23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX at XXXX ; XXXX pm called XXXX XXXX XXXX XXXX to pay off an outstanding charge off that continue to report 90 days late monthly to Transunion, XXXX XXXX XXXX. I was notified by the representative that this account can not be paid to XXXX because they no longer own the account. I asked when was the account sold and was told back in XXXX. My next question was should this account then be reporting a zero balance per FCRA 623 ( a ) 2 which requires prompt update of any reported information that is necessary to reflect its current accuracy. Therefore, XXXX is under obligation under section 623 ( a ) ( 2 ) to promptly update the current balance which will be XXXX. I was then transferred to a supervisor by the name of XXXX who confirmed that this account was sold to XXXX XXXX in XXXX after it was charged off. After concluding the called TransUnion and spoke to XXXX to initiate a dispute regarding this XXXX account. I stated that XXXX should be reporting a zero balance since this account was sold to XXXX XXXX. Next, I initiated a dispute with XXXX by speaking with XXXX at XXXX pm. Lastly, I initiated a dispute with XXXX at XXXX pm with a representative name XXXX. XX/XX/XXXX, I received a credit alert from XXXX that the XXXX XXXX XXXX was update from having a past due balance of XXXX to XXXX. The account was not updated to reflect a zero balance and sold or transferred to another lender it was. At XXXX pm I contacted XXXX XXXX XXXX XXXX again. I chatted with XXXX and tried to pay off this delinquent debt again. I was placed on a brief hold and XXXX explained to me that XXXX can not accept payment because they no longer own the debt and this account was sold to a collection agency named XXXX. The evidence shows that XXXX XXXX XXXX provided an inaccurate verification of the debt to the XXXX major credit reporting agencies.
Product: Mortgage

Trying to avoid foreclosure-Servicing rights transfered to Green Tree LLC byXXXX Bank. Not eligible for Harp or Hamp I am told- What would really help is '' Mortgage Debt Reduction '' with new 40 year terms and 2 % interest which couldmake modification payments reasonable and manageable.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was fraudulently used to change my address on my Sears master card. I have a fraud alert on my credit report and a statement to call me BEFORE ISSUING CREDIT. Sears changed my address on my credit card, mailed a new credit card to a Florida address, and THEN called to ask if I had changed it. By the time they called the thief/thieves had charged over seven thousand dollars on my card. Sears is not holding me responsible for that and said they would send me a new card with a new number. I got the new card yesterday and was unable to activate it, because the thief called Sears, reported the card lost, and UNBELIEVABLY Sears sent them a new card to a different Florida address WITHOUT CALLING ME TO VERIFY whether I had made the change. I found this out when I talked to customer service to activate the card they sent me. Sears has reported the first Florida address and the {$7400.00} plus to the credit bureau, even though they know it is fraudulent. I do not live in Florida. I closed my account with Sears yesterday.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  should not be reporting a collection/chargeoff in the amount of {$4200.00} the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. I have also attached a copy of my Drivers license and SSN for identification purposes. ) This account is well over ( 7 ) years old and should not be reporting at all on my credit report. This false reporting is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Debt collection

Portfolio recovery has contacted me several times a day on phone lines I 've told them there is no permission to contact me on for months. Each time I 've told them to submit everything in writing so i can verify who they are and possibly dispute the debt and each time in told they do n't need to. I 've told them to stop calling and I 'll receive another call right after on another line. There was a time they called every hour..
Product: Debt collection

I am a FEDERALLY PROTECTED CONSUMER I am making this complaint against MIDLAND CREDIT MANAGEMENT I reject your offer to contract I did not consent to any nonaffiliated third party MIDLAND CREDIT MANAGEMENT ACCT # XXXX to be in possession of my Nonpublic Person Information. I never gave any permission to MIDLAND CREDIT MANAGEMENT use any of my identifying information to commit mail fraud by contacting me about this ALLEDGED DEBT. This is notice to cease and desist all illegal activity and communications and DO NOT TRY furnish false credit information on my credit reports. I am not requesting validation of any alleged debt as obtaining as Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft 18 USC 1028A .After you sent a email STATING that XXXX SOLD MY NON PUBLIC PERSONAL INFORMATION TO XXXX XXXX, AND NOW MIDLAND CREDIT MANAGEMENT HAS IT ''. I now have reason to believe that you are all conspiring against me trying to collect on a extension of credit through unlawful extortionate means. There is no TRILATERAL CONTRACT BETWEEN US THAT STATES I HAVE THE LEGAL OBLIGATION TO PAY YOU. THE FAIR DEBT COLLECTION PRATICES ACT AND THE XXXX XXXX XXXX WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME I AM PREPARED TO SEEK JUSTICE AND DEMAND ALL MY FEDERAL RIGHTS BE PROTECTED AND RESPECTED. The collection of this extension of credit would be a VIOLATION OF THE FALSE CLAIMS ACT. AGAIN WE HAVE NO CONTRACT I HAVE NEVER HAD ANY BUSINESS DEALINGS WITH YOU NOR DESIRE TO.
Product: Credit reporting

I called into transunion in XXXX and spoke with a supervisor about XXXX XXXX accounts that I had that where due to come off my report. I told him that the open date and the date of first delinquency was wrong and according to my records, it was time for them to come off my report. The supervisor told me that if I called back in XXXX of 2016 and requested a supervisor to look at the accounts, they would remove them immediately. I was ok with this because it was only a few months. I called back today and requested a supervisor. I told him what I was told in XXXX and that I wanted them removed. He looked at the accounts and told me that because of the dates they have reported, it would be XXXX of this year before they would be removed. That is not what I was told and the dates of the accounts being opened are not the same as what they where when I called in XXXX. I think that is the reason why this supervisor said they wouldnt be removed for another 10 months now. There is also a collection associated with XXXX of these accounts that should be removed as well because of the dates of first delinquency. The accounts are XXXX with account number XXXX, XXXX with account number XXXX, XXXX with account number XXXX, and XXXX XXXX with account number XXXX. All XXXX XXXX accounts where opened on the same date and the last payment was made at the same time. This was over 7 years ago which means they should be removed according to the FCRA. I just want the accounts removed like they said they would do since it is past the time they should be reported. I do not want them disputed as I did that already and I think that is what caused the dates to moved and now I am having problems getting them removed. Transunion needs to honor what they say and remove all XXXX accounts since again, they are past the time that they should be reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX XX/XX/1983. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the XXXX, the XXXX, and the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving the complaint. This fraudulent, inaccurate, and false information consist of cars loans : XXXX account XXXX XXXXXXXX, XXXX account XXXX XXXXXXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXX with all credit agencies that's showing inaccurate information. These accounts have resulted in several fraudulent hard inquires and several fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of hard inquires in question as well. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. all of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquires of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a completely different name that is on my background check information.I don't know a XXXX. I have no idea who this person even is. I don't know who that person is that is pretending to be me. They have tried numerous times to access my information.
Product: Credit reporting or other personal consumer reports

I called on XX/XX/XXXX and talked to a rep at Kohls customer service for capital one. Explained the situation, in detail. Expressed my concern about the error made by them. I was told the account balance was XXXX and that my credit available was {$1000.00}. I expressed again that there was a report made to my credit dropping my score XXXX points. I let them know that this was disturbing to me and that I would like to see if they could resolve the situation again I was only told the same information about the balance. I did not owe anything. I asked the rep to look back into my account information for XXXX. They did this it showed I did not pay on the date the payment was due, but that I did pay that month, inside of the month of XXXX. I was informed that I had a late fee added to the amount that I paid. That was also paid. There was no reason there should be any kind of reporting to my credit. That is what they told me. I asked again if they could help me by telling me how to resolve this. They told me I had to take it up with the credit bureau. This is all that was done.
Product: Checking or savings account

I have been trying to get stop payment and a new cashiers check reissued to me. US Bank has made this process VERY difficult and time consuming. The check issued was damaged due to one of THEIR bankers negligence and discrimination towards me and no bank or check cashing institution will honor it now. I called US Bank and was informed to wait 15 calendar days before I can get a new one.The check was issued XXXX XXXX  and I called XXXX XXXX. And of course each representative I spoke with has no clue on how to process a stop payment and send me a declaration of loss form. I have called multiple times and each time my problem is not being resolved and I'm being told, " I'll call you back after I speak with my manager. '' and each time I was never called back. The lack of regard for consumer funds is astonishing with this company. This bank has caused me so much turmoil & now my personal day to day expenses are being impacted. Bills are being late, I'm having issues paying things on time I feel so helpless. How can you tell the consumer to call and report the problem but no one is capable of fixing it and has to call other people?
Product: Credit reporting or other personal consumer reports

Hello, I am contacting you today because all three companies XXXX, XXXX and Experian have violated my rights over a time period and broken the law 15 u.s.c. 1681 a ( 2 ) ( a ) ( ii ) states that experiences and transactions late payments charge offs credit, utilization, inquiries, and other judgments and etc. should not be reported due to the fact that these companies have broken the law, I would like to have automatic deletions and removed from my credit report from all three companies. As a reminder willful noncompliance is also against the law says 15 u.s.c 1681 ( N )
Product: Debt collection

I am writing to follow up on my previous requests for the reinvestigation of several accounts that I believe to be inaccurately reported on my credit file. As per the regulations, I understand that your company is required to complete these investigations within 30 days of receipt. However, despite my repeated attempts to contact the listed companies, most of them have no record of me. Therefore, I strongly question how they can claim a permissible business purpose for accessing my credit if they lack knowledge of my identity. I urge you to adhere to the Fair Credit Reporting Act and conduct a comprehensive investigation into the following accounts : XXXX XXXX XXXX XXXX. Please remove this fraudulent account in my credit ASAP.
Product: Checking or savings account

I sent disputes to SoFi. They didnt list all my disputes then send a letter they were not issuing credit for my charges because I had relationships with the vendors that I didnt have. 
Merchant Name : XXXX XXXX XXXX XXXX Transaction Date : XX/XX/XXXX Transaction Amount : {$10.00} Transaction Id : XXXX Claim Amount : {$10.00} Claim Date : XX/XX/XXXX XX/XX/XXXX Merchant Name : XXXX Transaction Date : XX/XX/XXXX Transaction Amount : {$4.00} Transaction Id : XXXX Claim Amount : {$4.00} Claim Date : XX/XX/XXXX Dear XXXX, This letter serves to inform you that we have reached a final decision regarding the claim mentioned above.

After conducting a thorough investigation, we have determined that no unauthorized activity has occurred, and as a result, your claim has been denied. Our investigation involved a review of the information provided during the claim submission, as well as an examination of internal account records. Additionally, we collaborated with the merchant, other financial institutions, and our card processing networks as necessary. This claim is now closed.

If you would like to obtain copies of the documents used in reaching this final decision or if you have any further inquiries, please contact us using our help center. 
XXXX
Product: Checking or savings account

Spoke with customer service rep XXXX XXXX as well as Fraud Supervisor XXXX XXXX on XX/XX/XXXX in reference to the release of my XXXX deposit made in XX/XX/XXXX. Went into XXXX branch location early XX/XX/XXXX spoke with branch manager who contacted fraud unit for release of funds who stated funds would be released as of XX/XX/XXXX that investigation of funds reclaim would be finalized and that if no party put claim on funds by that time they would be released. As of XX/XX/XXXX I have yet to receive my XXXX i was told today by XXXX XXXX that my i can call back XX/XX/XXXX to check status of investigation. My issue is they ( SunTrust ) has held my funds for over a year and still refuse to release my funds pending some bull investigation which they've had a year to complete. My account was in my name the checks deposited although multiply checks for same amount was from same company was also in my name, SunTrust even conversed with issuing company who also verified checks were issued to me and that they would not be reclaiming funds. So as of now and then SunTrust has illegally held onto my funds and refuse to release under the only valid reason is theyre waiting to see if my funds are reclaimed by Another party. Please help my hands are tied I have no other options available to get assistance in receiving help to get my funds released.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian forwarded your company information in the complaint number XXXX that is not true or correct at all. Experian, you state that you opened a " reinvestigation '' in XX/XX/XXXXwhen I have continually asked for my bankruptcy information to be updated for nearly 2 years now from your company. I simply stated in my requests to you that if you were unable to update the information accurately then please delete it. I am in no way accepting your falsehoods as accuracy. I have contacted each company listed in my original complaint and verified that they have my account updated as discharged in chapter XXXX bankruptcy. THIS WAS DONE AFTER XX/XX/2017 AND BEFORE XX/XX/2017. In other words this was verified PRIOR to my contacting your company. I have sent every item of documentation you have requested. The only thing I have not done to date is sue your company. If you are stating on record these data furnishers are purposely supplying you with false information then I should have been promoted to take legal action against them. However in this case the data furnishers are assuring me that it is in fact EXPERIAN who is supplying false data. I no longer have any active accounts with any of these creditors. Updating my information accurately has nothing to do with signature slips as you noted in your CFPB response. It is simply updating information accurately which YOU ARE IN FACT OBLIGED TO DO by LAW, FCRA SPECIFICALLY. You are blatantly refusing to update my information and have caused me severe hardship by doing this. Therefore you have left no further choice but lawsuit. To date I have sent you discharge papers, bankruptcy schedules, creditor letters, and CFPB complaints. I will seek every damage and remedy afforded to me under the law and am more than confident I will prevail. I have every piece of documentation including your recent blatant regard for the federal laws that protect us both. Thank you
Product: Mortgage

Good morning, I have tried to work with Chase since XX/XX/XXXX to sell my home. The process has been a nightmare. I listed my home inXX/XX/XXXX and finally got an offer in XXXX for $ XXXX. We sent this information into Chase. Chase never sent anyone to do an interior bpo to see the property and relied on an exterior value of $ XXXX. They of course instead of doing their due diligence, just countered the buyer at the unrealistic value. The buyer walked of course in XXXX. I had to relist the home again. This time we got an offer inXX/XX/XXXXand once again sent it into Chase with the request to do an interior valuation as this offer was {$100000.00}. Once again Chase relied on the {$170000.00} valuation, so my agent sent in a dispute package XX/XX/XXXX. Chase shut down my file. We had to escalate the file and reopen my case with Chase and push to get a new valuation. Chase finally consented and a value of $ XXXX came in. We asked to review it. It was bogus. Completely inaccurate not accounting for ANY repairs on the property. On XX/XX/XXXX XXXX XXXX from the executive office sent a message to loss mitigation to re-review and open my case. On XX/XX/XXXX XXXX said they were reviewing appraisal and we needed a certified bid from contractor which we sent in on XX/XX/XXXX, but Chase refused to open the file and cancel the auction slated. I filed bankruptcy. My buyer has been patient and said they would wait until the bankruptcy was finalized. We resent in my file with request for Chase to do a NEW interior valuation and take into account the repairs necessary on my property this year. This has been a long and tough road. Everything was into Chase at the beginning of this year and now they are refusing to review the file. My buyer has patiently waited for Chase to do their job.
Product: Credit reporting or other personal consumer reports

I have sent multiple request to all thre bureuw i did credit freeze with ftc report and police report of iidentity theft they ddint remove anything pls help i am a banker with my job i cant progress in my career if i have identity theft harming my credit pls
Product: Student loan

I am in the process of getting my loans out of default. I initially called the XXXX to get a breakdown of all my Direct loans. I was informed by a representative of the XXXX that my loan is now being handled by GC Services. I was provided with the contact information ( XXXX ), and gave GC Services a call immediately. The agent handling my case provided me with amount of money owed for the Direct loans, and told me I was required to speak to her manager if I had specific questions on the defaulted Direct loans and options for repayment. I agreed, and was transferred to her manager who then proceeded to explain the option of the Rehabilitation Program. Once he finished explaining what the Rehabilitation Program is all about, he proceeded to ask me questions like, my most up to date address, phone number, and place of work. I explained to him that I did not feel comfortable providing that information until I considered all my options first, and by doing so I needed to know what the monthly payment would be if I considered the Rehabilitation Program. He proceeded to tell me that he will not give me that information until I told him I wanted to participate in the program. So, I told him if he did n't want to provide the information to me I would go along pretending I was going to participate in the program just so I can get an idea of what my monthly payments would be. Once he gave me the monthly payment amount, I proceeded in telling him that I will not be moving forward with the program until I know all of my options. He then threatened me with garnishing my wages if I did not participate. Although I am aware this is a possibility, under the Fair Debt Collections Act, it is prohibited to threaten any person in connection with the collection of a debt. This is a threat and should no be tolerated by anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regional XXXX has been reporting on my credit report without consent and Bill of Sale did not come from Regional XXXX.
Product: Debt collection

This fake debt collection company sent me a letter on XXXX/XXXX/2017 saying I owed {$200.00} to XXXX for account ending in XXXX. 

I am NOT the owner of the account. I called XXXX multiple times, and they confirmed they NEVER sent my account to collections. I have always paid by XXXX bill on time until I canceled my service. This fake company keeps calling me and harassing me to give personal information and telling me to pay. 

I immediately sent a letter on XXXX/XXXX/2017 demanding they validate their fake and fraudulent debt claims. They keep calling me everyday asking for my personal information. I ask what is this call about, and they say they can not tell me why they are calling.
Product: Mortgage

Bank of America, N.A., Fraudulent collection and foreclosure practices on secured property and perfected property of interest. Bank of America has no lawful interest and has submitted fraudulent XXXX forms to IRS etc..with consumers personal identifiable information illegally and without consent. Assigned Lawyers have also committed federal interstate commerce fraud and submitted fraudulent documentations and paperwork along with fraudulent and fake autographs passing them as original instruments. Bank of America illegally filed fraudulent documents with the State to pass off as valid and lawful negotiable instruments of which they do not have.