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

Suncoast has my accounts frozen. They are refusing checks and reaking havoc on me and my business. No one has reached to help. No emails. No phone calls. Bo correspondence at all. Iv spoken with some one in risk management who advised me it is under investigation and will take 90 DAYS! That's absurd! I went to the bank responsible for the initial negligence and they promptly admitted wrong doing. I did the work for them and submitted the info along with the proper contact info of the people i spoke with to clear this issue up. It has to be illegal to deny me access to my banking info so I can see why checks are being reversed. I honestly feel like all of this happening because I refused to pay them the negative balance wrongly put on my account and the numerous complaints iv filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Took out a loan in XX/XX/XXXX for my XXXX XXXX XXXX XXXX When the loan documents were received, it was for XXXX XXXX XXXX XXXX XXXX Regular on time payments were made to XXXX XXXX who reported to all 3 credit bureaus ( XXXX, Transunion, XXXX ). Received a notification in XX/XX/XXXX that my account had been closed, yet a balance is still owed. 

Reached out to XXXX XXXX, who stated that XXXX XXXX XXXX took over the loan. In speaking with XXXX, they mentioned of only reporting to Transunion at that time. However there was no communication given from XXXX XXXX or XXXX XXXX XXXX that my account was going to be transferred along with only bureau reporting. 

In reviewing my most recent statements, they are coming from XXXX XXXX still. 

Reviewed my credit report in detail on XX/XX/XXXX for all three bureaus and XXXX XXXX XXXX XXXX is no longer reporting to any bureaus at all.
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 sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XXXX XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX  DC XXXX Subject : Complaint Against TransUnion for Inaccurate Reporting Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against TransUnion for their continued inaccurate reporting of my account with XXXX XXXX XXXX. Despite having settled this account on XX/XX/XXXX, TransUnion continues to report it as a charge-off on the XXXX XXXX XXXXXXXX  website. 

This account has been in good standing, and there have been no late payments. Under the Fair Credit Reporting Act, a charge-off should occur only when an account is XXXX days overdue, which is not applicable in my case. I have supporting documents that validate my claim that this account is inaccurately reported and should not be classified as a charge-off. 

I request that the CFPB take appropriate action to ensure this account is removed from my credit report due to the inaccurate reporting by TransUnion. 

Thank you for your attention to this matter. I look forward to your prompt response regarding the actions taken to address this issue. 

Sincerely,
Product: Mortgage

My loan was transferred or sold to another mortgage company and it shows on my credit as a collection account, paid status not reported by all bureaus. Due to this my credit score is lower and I received a higher interest rate when I refinanced.
Product: Credit card or prepaid card

Although I paid my account in a timely manner and have never been late, Comenity Bank closed my XXXX XXXX store account with less than two weeks notice and with no reason at the end of XXXX 2017. It also subsequently negatively reported it to the credit bureaus as 'closed by creditor '. As a result, my credit score was adversely impacted with nearly a 40 point drop through no fault of my own.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, Amount : {$7000.00}, company is reporting inaccurate information to my credit report. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 ( a ) States I have the right to privacy.

15 U.S.C 1681 Section 604 ( a ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692 Section 805 ( a ) States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S.C 1692 Section 805 ( a ) Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 U.S.C 1692 ( g ) section 809 states a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

15 U.S.C 1681 ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1666 ( b ) states billing error.
Product: Debt collection

I haven't supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presumethat no proof of the allege debt, nor therefore any XXXX such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX am a consumer of the United States. CAPITAL ONE ( partial account # XXXX and partial account # XXXX ) is willfully and knowingly harming my consumer reputation and worthiness pursuant 15 USC 1681 ( a ) ( 2 ) reporting late payments on my consumer report with out any consent making it impossible for me to purchase a home for me and my children. Attached to this complaint labeled as exhibit A is proof of two violations of CAPITAL ONE harming my consumer report along with late payments on the dates of XX/XX/2017 and XX/XX/2017. I have repeatedly requested these late payments to be reported positive on all my consumer reports but CAPITAL ONE insists on violating my federally protected consumer rights under title 15 chapter 41.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and i noticed inquires on my credit report that die snot need to be on my credit report. I don't recognize the inquires and I never gave permission for anyone to preview or check my report on Transunion. These inquires are unauthorized and according to the FCRA these inquires should not be on my credit profile if i did not give consent and I never gave consent ( 15 U.S.C 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) ) These inquires do not have my permission to be on my report ( 15 U.S.C. 1681b ( a ) ( 2 ) ) and my rights to privacy has been VIOLATED ....
Product: Credit reporting, credit repair services, or other personal consumer reports

When   XXXX   XXXX   contact me about my debt from my hospital visit I set up a payment plan with them. I paid in full and a few month later I noticed a collection from Plus  Four  Collections for  XXXX . I called  XXXX   XXXX  and was told I had a  XXXX  balance after the repayment. On  XXXX / XXXX / XXXX  and  XXXX  passed it on to investigation. I called back on  XXXX / XXXX / XXXX  and  XXXX  and I was told the investigation would be completed  XXXX / XXXX / XXXX . I did not hear back from anyone until I pulled my credit to buy a home and I still see the Plus  Four  Collection.     I called both companies and spoke with  XXXX   XXXX  on  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  and on both times I was told that there was a  XXXX  balance and the reporting could be corrected with an investigation. I finally got to a supervisor where I was told there was a different account under the same account number that posted later that was not collected, that amount was  XXXX . Yes a later account for  XXXX  that was part of the same account number. I have since canceled the purchase of my dream home as the estimated interest rate difference was  XXXX  to  XXXX  because of the low credit  score  from the  XXXX  collection that was re-reported on  XXXX . The supervisor told me I was called in  XXXX   XXXX  to be notified of the " new '' collection. I was and that is why I called in and spoke to  2  different people in  XXXX .
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

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 or other personal consumer reports

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation
Product: Credit card

XXXXXXXX XXXX closed my account without my permission acct no. XXXX ..... 

acct no. XXXX ..... 

i need the XXXX form for these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to you today to inform you tha I am a victim of identity theft. I researched on how to remove the fraudulent accounts and information 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 any accounts and information 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. Here is the list of accounts which do not belong to me or were opened without my permission : 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 XX/XX/2022. 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 identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company listing below unlawfully disclosed private, personal, confidential information to Consumer Reporting Agency. violate the FCRA privacy Company : XXXX XXXX XXXX Account XXXX XXXX Reporting date : XX/XX/2019 violated the XXXX U.S.C 1681 share my personal information without my consent An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice, is guilty of a misdemeanor and subject to a fine of up to {$5000.00}, if the official acts willfully.

" Any person who knowingly and willfully requests or obtains any record concerning an individual from an agency under false pretenses shall be guilty of a misdemeanor and fined not more than {$5000.00}. 5 U.S.C. 552a ( i )
( 3 ).
Product: Student loan

I've been TRYING to question for several years how my student loan that started around XXXX  XXXX to XXXX  XXXX is now XXXX times more!!! 

Even with employment layoffs, deferments, should never be this high! 

I've attempted to pay down multiple times and high-ass interests is increasing loan more- & -more monthly If I live to XXXX, I'll still be paying off this XXXX loan! 

Need student loan accounts looked at with more respectable payoff Thanks
Product: Mortgage

Sadly my complaint has expanded fifteen years and every time I apply for refinancing and am denied I get to relive the humiliation resulting from the bullying practices of XXXX XXXX XXXX/American Home Mortgage. 
XX/XX/XXXX : " I am pleased to advise you that your request for a loan modification has been approved ... '' Really? After bullying us into a modification with threats of losing our home it took 3 months of not allowing us to pay on our mortgage you approve us for 11.25 % and a higher monthly payment! When I phoned to express my grave concerns, '' Mam, you really don't have any other options ... '' XXXX : Again, due to financial hardship we were left with no other option but to modify again at an outrageous rate. Again, getting nowhere with the company I reached out to the Attorney General. 
XX/XX/XXXX- sent a letter to XXXX XXXX-CT Attorney General- he responded to no avail. Got the run around and told mortgage companies were allowed charge those interest rates ... etc ... .but does that make it right? They threaten to take away your home unless you modify! That is bullying!!!! 
XXXX Sent another letter of disgust hoping for some retribution-no luck with the organizations referred to. 
XXXX Sent a letter to XXXX-CT Attorney General and was referred to Making Homes Affordable program but we did not qualify. 
XXXX Trying to refinance only to yet again be told we don't qualify and that we have been paying thousands of dollars per month to barely move forward on our loan amount that is {$100000.00} more than we paid for it in XXXX!!!!!! We work hard to provide for our family, we have never asked for a handout yet mortgage companies are allowed to take advantage and the consumer literally has not protection against these bullies. 
Thank you for taking the time to hear my complaint and I'm not anticipating any outcome in my favor but I feel if I don't continue to express my disgust with the whole process then I remain the victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. Transunion does not have permissible purpose to furnish these inquiries on my consumer report pursuant to 15 USC 1681b ( a ) ( 1-2 ) only a judge/federal grand jury or from me the consumer in writing anything else is fraud. I ALSO DID NOT RECEIVE ANY SERVICES. This is fraud pursuant to 18 U.S.C 1028 ( a ) ( 1-8 ) and can be punished not more than 15 years in jail or a fine.18 U.S.C 1028 ( b ) ( 1 ) ( A ) ( I-ii ).
Product: Mortgage

XXXX XXXX, XXXX. as Trustee for the benefit of XXXX XXXX XXXX XXXX XXXX XXXX wrongfully retained {$25000.00} of surplus proceeds arising from the foreclosure sale of my homestead property. 

Under Florida Law, surplus proceeds arising from a foreclosure sale belong to the owner of record as of the lis pendens date. However, instead of returning the overpayment to me ( as requested ), the Trust reported it to its investors as a 3.480 % " Gain '' realized from the liquidation of my loan. 

This constitutes civil theft in the State of Florida.
Product: Vehicle loan or lease

My brother XXXX XXXX stolen me and my wife XXXX XXXX identity and finance a car, credit cards and insurance with TD XXXX XXXX in my name, without my consent, I have tried numerous of time to fix this matter on my own, but TD XXXX XXXX investigate and come back verified, and I ask them how can something come back verified when I did not sign for it and they will say that they have documents with my signature and ID and when I ask them to furnish me the documents I never received them. My brother XXXX XXXX recently just came forward with this information exonerating me from any wrongdoing I faxed over these documents and have not heard back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days, and I haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

I disputed incorrect reporting on my credit report and did not receive a timely response. Please remove incorrect report on my report immediately.
Product: Student loan

The company has written the loan off as defaulted on my credit report. I received several calls from them during a time where I had no employment and was unable to make any payments toward the loan. The calls began in  XXXX  and ended in  XXXX . I now have another bad mark on my credit report becaus e Navient w ould not give me any options other than a : Pay full amount b : pay monthly payments c : pay a settlement amount.     Obviously I was unemployed so I was unable to fulfill any of these options. I was not given any options in regards to putting the loan into forbearance or income based options. As a matter of fact I was advised that the loan did not qualify even though it was a student loan.
Product: Credit reporting or other personal consumer reports

This situation has caused me considerable stress and sleepless nights. I have spent countless hours and days over the years on the phone, researching, and disputing these errors on my credit report a problem I didn't cause. The negative impact this has had on me, my children, and my ability to hold a steady job has been severe. I've even been on the verge of filing for bankruptcy. XXXX and its associated companies like XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have all played a part in disrupting my life. Their errors prevent me from securing housing or stable employment, despite this being completely out of my control.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX XXXX. 

# of Debts Enrolled : 7 Total Debt Enrolled : {$10000.00} Program Commitments : Monthly Draft Amount : {$250.00} First Draft Date : XX/XX/year> Estimated # of Payments : XXXX Email : support@usclarity.com usclarity.com
Product: Credit reporting or other personal consumer reports

In 2019, I was a victim of identity theft. The accounts are listed below and in the FTC report that I attached. XXXX. PNC Bank ( XX/XX/year> ) : {$54000.00}. This fraudulent account is on my XXXX Credit Report.
Product: Mortgage

We signed closing documents with Ally Bank while in XXXX  on a XXXX  condo. Days later we were informed by Ally that the closing was void because they failed to provide a lawyer at signing which is XXXX  law. We closed again several weeks later and continued paying both the original lender and then the new lender after the second, official closing. We then started getting bills from XXXX XXXX for the original failed closing. They insisted the original closing was valid and refused to help us. Ally also failed to help us. My credit score now has dropped by around 100 points due to XXXX XXXX showing late and missed payments on the fraudulent mortgage. This is the only negative thing ever on my credit report.
Product: Debt collection

i have a collection on my credit from advanced collection for {$24000.00} from   XXXX    XXXX . i have tried to contact both agencys and was told they could not provide me with any documentation where i authorized these charges or have any knowledge of being charged for this or what they are for
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
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: Debt collection

I recently discovered a judgment on the title to my house from a company called Advantage Assets for {$12000.00} in XX/XX/XXXX. I have not had any line of credit or credit card since XX/XX/XXXX so I do not know how or why it is there. I was never served papers or warned of this action to put a lien on the title to my house or garnish my bank account. I have not been notified at all for any request to pay this debt. I did n't know of any of this existed until funds from my bank accounts were garnished. I have never been informed of any judgements but they continue to garnish my account and I still have the lien on the title which I need to have removed. I want to settle this matter, but I feel these creditors have committed fraud. I would be grateful for any help resolving this issue.