23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, I visited my local Suntrust bank branch to cash an insurance check for damages to my home. Suntrust was listed as a co signer on the check for {$22000.00} as I currently have a home equity line of credit with them. They have now had held this check going on four weeks with the exception of a small payment of {$5000.00} being released just this past week. Three weeks after the check was sent in and not even a XXXX of the total amount of the check. I was just notified today that it will be another XXXX days before any more funds are released to complete my repairs on said property. They sent someone out to my home today to do the physical inspection to ensure the work is being done to code and being completed. This individual had no physical ID, credentials to identify who he was and he was not even an employee of Suntrust bank but a sub contractor. He only took photos and left.

In addition, Suntrust is refusing to release the last of the funds until project is complete. I can not complete the project until they release the funds so I can pay for the materials that will be required for completion. 
Lastly, the lack of response from the XXXX XXXX XXXX department is unacceptable. As a customer, I was not given a direct number to this department, an email address or any other avenue to communicate with this department directly. The response time for this process should be no later than 48 hours from initial contact. I find the protocols for this criminal. Suntrust has held my money way too long and if it continues the way it has been it will be a two month process or longer. I am forced to self fund this project because Suntrust will not release the funds and has no sense of urgency to do so. Withholding the funds for this long should be against the law. It is not Suntrusts money to keep and they are holding money XXXX for their benefit.
Product: Debt collection

Account paid in full XX/XX/2020 with the medical provider. Wakefield showed up on my credit report in XX/XX/2020 and I have been trying to obtain information and show them that my account was in full. They tell me they haven't heard from the medical provider and the medical provider tells me they have contacted them to tell them my account is paid in full and nothing is owed. I even emailed them numerous times with proof of payment and XXXX  balance with no response. I call them and they just tell me they can't help me and to wait until they hear back from the medical provider.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of violations of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681n and 15 U.S. Code 1681a ( w ), by your credit reporting agency. I demand immediate correction of the inaccurate information and compensation for damages as stipulated by law.
Product: Checking or savings account

I had an account at Wells Fargo, all my money was not distributed to me. Made a complaint and nothing was handled
Product: Credit card or prepaid card

Capitol One, I closed my account aprox, XX/XX/XXXX i had gotten a credit to the account after closing it in the amount {$150.00}, XX/XX/XXXX, capitol one says my account is resricted and can not tell me when i will be receiving the funds due me, called on XX/XX/XXXX, they would not give me a date on when i would be receiving the funds i spoke to XXXX i.d. # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with XXXX, due to an incorrect payment status with Carrington Mortgage Company ; however the dispute was completed and the status still reflects " At Least 120 days or more than four payments past due '', which is still not correct. The mortgage was included in an active Chapter XXXX bankruptcy, and the house was sold in XX/XX/2018 & the mortgage was paid-off. The credit reports for XXXX   & XXXX correctly reflect the status of the mortgage.
Product: Debt collection

I have been getting repeated phone calls from MetCredit for a medical bill to XXXX. I called XXXX it turned out there was some confusion between them and my insurance company, which I resolved. ( XXXX had my XXXX  Copay listed at {$30.00}, which is what it said on my insurance card, but the provider had, unbeknownst to any of us, raised the copay to {$45.00}. I had visited twice, paying {$30.00} each time. For some reason XXXX was sending the bills to a very old address rather than the address they confirmed they had, which was correct ). I got a confirmation number to confirm that I didn't owe any money. When Met Credit called again I attempted to give them that number, and they refused to accept it, telling me it was up to me to fix it, and then hanging up on me. I don't know what more I can do to fix this, The bill was for {$30.00}. The most recent call was at XXXX XXXX on Friday, XX/XX/2021. 

The confirmation number given me by XXXX is XXXX confirmation # XXXX
Product: Mortgage

To Whom it may concern : Please take a look at the attachments below. XXXX has created a monster of a mess with my mortgage loan. Attached are several documents showing additions, reversals and funds misapplied to my suspense account. My credit has been ruined because of XXXX 's errors current and past. Please see the extent of the documents which were received from XXXX, it is frustrating, distrusting, disappointing, and discouraging to have received a demand for payment and could possibly go into foreclosure, which none of this is my fault. I have worked on this file since XXXX and now have bad credit, unsatisfied answers, money owed to me, and no one to accept responsibility or understand misapplied payments to my account. This mess has caused me to see my regular doctor for irritability, anxiousness, unable to sleep, and frustration etc. XXXX has caused a great deal of unnecessary stress to me and my family, it has affected my work performance and everyday living.
Product: Bank account or service

My name is XXXX XXXX and I am in desperate need of help. XX/XX/XXXX I refinanced my home and the title company who completed the transaction never recorded the Discharge of Mortgage which paid off by the refinance. I also refinanced a few more times since then and no other back made mention of this. I am now in the process of selling my house and one week before closing this came up. I can not sell it without the discharge. The title company which handled this XX/XX/XXXX went out of business. The holder of the undischarged mortgage was XXXX XXXX XXXX which went out of business and was acquired by XXXX. XXXX also went out of business and was acquired by Chase. Basically, I 'm XXXX. Anyone who may have had documentation of this payoff no longer exists. I 'm now trying to work with Chase to get a discharge letter but am hitting roadblocks right and left. 
The sale of my home is critical. The proceeds from the sale were going to go to my daughter to pay for her wedding. That is now in serious jeopardy. I do n't know what I 'll do if I ca n't sell the house. My daughter is stressed out and crying for fear that her wedding may be in ruins. I 'm not in a position to rack up credit card debt. I need the cash from the sale. Furthermore, the family which is in the process of buying my house is now displaced due to this problem as they have already sold their home. The husband and wife and XXXX little girls are living separately with relatives until this gets resolved. 
Please help! I 've been victimized by the predatory lending practices and disregard for people 's personal well-being of XX/XX/XXXX. The sloppy work done by the lawyers back then is hurting me and my family today. Can you please intervene with Chase Bank and urge them to produce a discharge letter? I have a case number with Chase of XXXX. The phone number for the Chase Lien Release Department is XXXX. 
I appreciate anything you can do to help. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have no connection to the listed creditor, and I did not authorize this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX reviewing Identity analysis report I found the following information as to why my credit bureaus reports are all over the board. Under XXXX XXXX  web search XXXX XXXX, no knowledge of this person. States record created XX/XX/XXXX, with the date of birth of XX/XX/XXXX. It shows last XXXX social security number as XXXX, which is mine. From Texas zip code XXXX and last XXXX DL # XXXX. Says site ; XXXX, breach occurred in XXXX of XXXX. ID XXXX. Phone number XXXX, update, date XXXX @ XXXX. This is the proof I have been seeking for 2 months to figure out why my credit score keeps plummeting. This helps explain why so many duplicate inquiries. You can see from the searches that someone is trying to manipulate my credit report for their good. The only explanation as to why this name would appear anywhere in my credit report is FRAUD SUPPORTED BY XXXX, Equifax, XXXX AND FICO FOR THE BENEFIT OF INCREASING BIG BUSINESS INTERSTATE. There is no concern as to why a person out of the blue is shown up in my credit report information from XXXX.
Product: Credit card or prepaid card

On XX/XX/2014 I had automatic payment and the payment didn't process and was rejected. I did contact to discuss with the company and they said they will be fix and not going to report on my credit since was an system error and I never was notified on time.I been trying to deal with this for quite a few time, but this affecting me since I been trying to get a mortgage and I can't get approved because this. I can get approved because this marked as late and the company don't help me with this unfair situation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information in my consumer report, pursuant to my rights under FCRA 611 ( 15 U.S.C. 1681i ). This letter is in reference to my previous CFPB complaint [ XXXX submitted on XXXX ], in which I requested, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion block all of the accounts, collections, and hard inquiries identified in that complaint from my consumer credit file within 4 business days of receiving said complaint.

TransUnion failed to comply with my initial request and has not properly verified the claims made in my CFPB complaint. Therefore, I am invoking my rights under FCRA 611 to demand that TransUnion : Reinvestigate all items contested in my initial CFPB complaint.

Provide detailed information on the method of verification used in your initial response to my CFPB complaint, including the specific sources of information consulted. 
If unable to verify the contested items using reliable sources, delete all such items from my credit report. 
Please note that I have previously filed FTC Identity Theft Reports [ Numbers XXXX, XXXX, XXXX, XXXX ] related to these disputed items. It is my understanding that these reports were not properly considered in their initial investigation. 
Under FCRA 611 ( a ) ( 1 ) ( A ), TransUnion is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) requires TransUnion to provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information, if reasonably available.

If TransUnion is unable to verify the accuracy of the disputed information through this reinvestigation process, I demand that TransUnion promptly delete or modify that information in accordance with FCRA 611 ( a ) ( 5 ) ( A ).

TransUnion must be advised that failure to comply with this request may constitute willful noncompliance with the FCRA, potentially subjecting TransUnion to liability for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps adding old addresses to my report. I can not receive mail at these addresses by XXXX. According to FCRA these should be removed from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus refuse to remove unauthorized loan inquiries. Called several times to report that the inquiries were fraudulent and still no removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit limit increases via the Best Buy app, but DID NOT consent to a hard credit pull. They claimed that an increases could be honored immediately. Very misleading and no notice about the hard credit pull
Product: Mortgage

1 ). I am the object of collection activity arising from consumer debt.

2 ). Select Portfolio Servicing is a debt collector as defined by the FDCPA.

3 ). Select Portfolio Servicing has engaged in acts and omission prohibited by the FDCPA.

Specifically the fact originator XXXX XXXX XXXX was not incorporated nor licensed to do business within the State of Connecticut at loan origination in XXXX, thereby violates Section 1692e of the FDCPA by using " false, deceptive or misleading representation or means in connection with the collection of any debt ''.

Secondly, even if the debt were legitimate, the Statute of Limitations well expired on any collection efforts ( XXXX - late XXXX ). 

And, finally, I have very good reason to believe the prior servicer, XXXX XXXX XXXX, received payment in full on said instrument. If this proves to be true then " [ t ] he false representation of the character, amount, or legal status of any debt, '' and " [ t ] he threat to take any action that can not legally be taken or that is not intended to be taken ', has been violated. 15 USC Section 1692e ( 2 ) ( A ). 

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

I have disputed the late payment XXXX XXXX for months. XXXX   and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello ive disputed a collection with Transunion and they removed it and reinserted it back without notifying me XXXX business days after and certifying that the items was validated properly XXXXat is a violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). Reinsertion Of previously deleted Inaccurate/invalidated items.
Product: Credit reporting or other personal consumer reports

I am writing to formally request verification of the following accounts that appear on my credit report, as allowed under Section 609 of the Fair Credit Reporting Act ( FCRA ). The information below appears to be inaccurate, and I am requesting proof of verification to support its continued presence on my credit report : As per FCRA 609, I am requesting copies of any contracts or agreements that you have on file that demonstrate my responsibility for these debts. If you are unable to provide the necessary verification documents, I request that these items be deleted from my credit report immediately.

15 USC 1602 ( g ) ( 2 ), There was no evidence of indebtedness there was only the agreement provided. It is my understanding that because I was unable to make an uninformed decision, the agreement is void. DELETE
Product: Credit reporting or other personal consumer reports

I have the same student loan listed twice on my credit report. The duplicate account may have been a result of a glitch during the transfer of account that took place. I need the duplicate account removed from my credit report so I can refinance my home. The accounts on the credit report are as follows : XXXX XXXX XXXX  {$360000.00} XXXX Department of Ed {$360000.00} These are the same loan but are listed twice.
Product: Checking or savings account

Chime suspended my account over a month ago without even telling me. I had about XXXX in there. I been emailing them and calling them, no answers. They asked me for documents, I sent them over a month ago.
Product: Debt collection

I have reached out to Hunter Warfield in regards to a debt collection from XXXX. In XXXX my fianc paid this account in full. I have attached his bank statements from XXXX XXXX showing the account pay off amounts of {$1200.00} and {$500.00}, as they amounts were removed from his accounts. My fianc was listed as an occupant on this lease and had rights to paid this debt on my behalf. I have counted Hunter Warfield several times via email and phone to resolve this matter and they are not obliging or providing an efforts to resolve this matter. They will not respond to my emails and when I call they place me on long hold and tell me that they are investigating this matter and will return my call. Per the records below I have been contacting them for over a year now with no avail. I have disputed this records with the credit bureau 's and have gotten no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a balance but target sold my debt to a 3rd party debt collection company and i paid off the account with 3rd party, im asking target to update balance to XXXX balance Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed that there are unauthorized credit inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that XXXX, XXXX and TransUnion credit bureaus initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unauthorized inquiries as soon as possible : 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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXXXXXX XXXX XXXXXXXX
Product: Checking or savings account

Ive contacted Chase today because I wanted to reopen a checking account with them after what had happened last year admist COVID19. Last year, there was a bad/fradulent check deposited into my account and Chase decided to end their relationship with me permanently even after Ive explained to them that I was a victim of fraud. I was a very loyal customer and I really need to bank with Chase again, and I am hoping to ask for a reconsideration on my case because the incident was not my fault.
Product: Student loan

I applied for consolidation in XX/XX/scrub> 2024. However, I had already decided against doing it by the time I was approved. I declined by phone with the FSA well within the time frame I was given to do so ( 10 business days ). 

Several weeks later I received emails from XXXX, my loan servicer, that my loans had been consolidated by Mohela despite my declination of the consolidation. I called the FSA, which confirmed that they had my refusal on file, and sometime thereafter I saw that my loans were once again showing on the XXXX account. I thought the matter was at an end until I received a bill from Mohela in XXXX. 

I called Mohela and was told that they claim to still own XXXX of my loans. I asked why all my other loans had reverted and these XXXX were not and they would tell me was that they were 'different ' in some way they refused to elaborate on. 

In the months I have been trying to figure out how they could possibly retain ownership of XXXX of my loans when they were never supposed to own any of them at all not one person at either the FSA, XXXX, or Mohela mentioned that the XXXX loans Mohela is claiming are the actual consolidation loans that should have never existed. Also, the fact that my actual loans were returned to XXXX should have negated the existence of any consolidation loans even if they were legitimate. Between these three entities I had to be the one to figure out what appears to be either a clerical error or an issue between XXXX and Mohela regarding the transfer of funds regarding my loans. I have informed the FSA of my discovery. 

Now my student debt is reading on the FSA website as double what it actually is ; from ~ {$41000.00} to ~ {$82000.00}. These consolidation loans are fraudulent and were created against my express wishes. I applied for consolidation in good faith in the understanding that I could refuse even if approved. I did my due diligence and declined well within my time frame to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently an account that was previously listed on my credit report that had been deleted reappeared without proper notification.This account appeared on XX/XX/XXXX on my XXXX credit report in the amount of {$1500.00}, and also on my Equifax credit report on XX/XX/XXXX. I was not properly notified which is supposed to be mandated according to the FCRA. Also the information was not certified to be correct.