23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Truist Bank ( email : XXXX ) RE : Loan Modification Agreement # XXXX for XXXX XXXX XXXX, XXXX, Connecticut XXXX XXXX XXXX and XXXX XXXX XXXX On XXXX XXXX XXXX I informed the Truist Bank that I, XXXX XXXX XXXX, who is co-owner of the property XXXX XXXX XXXX, XXXX, Connecticut XXXX, I could not and would not sign for a Loan Modification Agreement XXXX XXXX had applied for without my prior knowledge until the Friday of that following Monday when the documents were due to be submitted. I personally called Truist Bank and informed them but to my surprise I just learned these past few days that XXXX XXXX admitted to having my forged my name and found an notary public who fraudulently witnessed and notarized the loan modification agreement which XXXX XXXX then submitted loan modification agreement to Truist Bank Mortgage Department. I believe the notary public is from the XXXX of Connecticut. I am making a complaint against Truist Bank, the XXXX XXXX Connecticut XXXX XXXX XXXX Department. This is criminal act, and we can not have individuals conducting criminal acts against individuals.
Product: Credit reporting or other personal consumer reports

Mountain America is reporting a few things on credit that are giving me issues. I enrolled into a debt consolidation program and the settled a {$6000.00} loan I had through XXXX however, there is still a balance on my file. 
The other issue is there are XXXX collections on my file for your company through XXXX XXXX. You are double reporting a debt of XXXX  and reporting a debt of XXXX that I do not recognize and do not believe to be mine.
Product: Checking or savings account

PNC purchased BBVA and converted all accounts as of XX/XX/XXXX. I have three business accounts and one personal account which all had automatic payments set up and transfers between accounts. First, we had no access to our accounts or money from XXXX PM on XX/XX/XXXX until XXXX AM on XX/XX/XXXX. After two more weeks I finally got access to all my business accounts online and via app but Im still not able to get any access on my personal account. I submitted a signed request form with the bank and nothing was done. The second time I went in to check on it they told me I had to have two signatures and they didnt have a form for that. I also have a loan through them that they can not seem to find now either. I am incurring return payment fees for automatic drafts set up through vendors. Was told that old account numbers would be honored until the end of XXXX but they are not. Told me they can not reimburse any fees at the local branch. Now they want appointments only when I go visit the bank. This entire conversion was a complete mess and they need to own up to the problem. I wish I could sue!
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately 2 months ago I went online to attempt to make a payment and got locked out of the account. the system stated that I placed the wrong password in. When I called to try to make the payment over the phone the system asked me to put in my information and then routed me to a que for which I spent hours waiting day after day. One day I finally got an individual who advised me that because my wife is the primary on the account they needed to speak to her to get the account unlocked and make a payment. I explained to him that Due to covid restrictions my wife is international until the borders of XXXX were opened. He advised ( to which i understood ). We have tried to three-way calls and due to the long wait times and international calls it has been incurring large costs to us, we have also had calls dropped. As a result we have not been allowed to make a payment even though we attempted numerous times. It was not until XXXX I called in, put in the credentials requested and i was advised that this is an attempt to collect a debt and was routed to an automatic payment system at which point i made a payment. We have never had a late payment of this kind on our record and it was through no fault of our own that this was not completed. We have attempted several times and incurred high phone bills trying to solve this. Today we are seeing a 30 day late payment record on two credit bureaus which is unfair to us. Kindly assist with removing these negative reporting on our credit report of the primary which is my wife.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Account number XXXX ) is a XXXX XXXX that my daughter had and that has been placed on my files. I never signed an agreement for this XXXX XXXX. 

My daughter had me added as a person able to use the XXXX XXXX. PERIOD. I contacted XXXX XXXX and spoke to a representative. XXXX has no information on me other than my name. No address ... no phone number ... not my social or identifying information. This proves that I did not sign up for any liability on this debt. I explained the situation to the representative and asked her to provide a copy of any document I signed that would make me liable for this debt. She hung the phone up on me. 

I disputed this with the credit bureaus and they left it on my file.
Product: Debt collection

Midland Funding put a collection account on my credit that does not belong to me. I disputed it with Midland several times and they won't respond to me. They never validated the account. The original credit card is not on my credit either because it's not my account Midland Funding Is not bonded nor licensed to collect in my state Midland Funding continue to report this account that is not mine on my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights toprivacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX reference number XXXX XXXX XXXX XXXX reference number : XXXX XXXXXXXX XXXX XXXXXXXX reference number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) y ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I called Trans Union to get an update on them removing XXXX inquiries thats all my credit report that is under identity fraud and they stated to me they was going to remove them within XXXX to XXXX hours and that made it has not been done This company has been very rude to me they hang up on you constantly they pass you around and state that theyre going to remove something and they dont do it.This is currently affecting me XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I called for a payoff to close my property on or aboutXX/XX/XXXXXX/XX/XXXX. The agent whom ordered it advised me that I didn't have to pay my mortgage because I was closing on my house and that the Corona Virus was protecting my non payment. Since I had the loan I have never had a problem. She also advised me that she would note the account so nothing would happen to me. I paid off the loan and closed and discovered now that my credit score dropped dramatically. I contacted the agency and they told me that they contacted XXXX XXXX and that their reporting was accurate when it was not. I had great credit until I trusted that agent who promised the " moon '' and for no reason because I could have paid the payments and XXXX XXXX
Product: Credit card or prepaid card

Complaint about  American Express  :  1.  Have formerly been a  XXXX   XXXX   XXXX   XXXX  with {$20000.00} credit limit for 15 years.   2. Applied for a  XXXX   XXXX   XXXX  gold card with an offer of  XXXX  fee miles.   3. Airport agent applied for card using my first and middle name rather than my first and last name.   4. Card arrived with wrong name.   5. I immediately called " Customer Care '' at Amex. Took  35  minutes trying to do name change over related to the new card over the phone and was not successful. Amex sent me an email link to submit drivers license on line. After successful submission on-line, I never received confirmation.   6. After a week elapsed I recalled customer service number on the back of the card. No record of submission of name change was found by another on-line representative. I continue to receive mail from  Amex  for the unusable credit card. In another  35  minute call  AmerEx  now claims the on-line name change does process does not actually work and that they will send name change by mail. No electronic confirmation of this mailing was received as promised.   7. Amex would not allow me to speak to a supervisor. There is no on-line information about how to file a complaint. I feel completely adrift, but have stayed with the name change process only to see how abysmal  Amex  has become as a company. Time for new corporate management.
Product: Debt collection

Good evening, I am writing this agency concerning an ongoing matter with a collection agency which has refused all communication on my behalf, seeking to verify and validate debts reported which are unknown and not mine. The company handling this information is Team Recovery, debt buyers. Their are numerous accounts being reported and because the company has not deigned to even respond to my disputes, has not once provided the documents requested from the original source, has not even bothered to provide any transparency, I am writing this agency to provide the oversight that is sorely needed here. 

In desperation to have these issues resolved I have even gone so far as to pay debts which I know are not mine to have them removed from my consumer files but it is disheartening and I did so before I knew of your agency. It is beyond unfair to not only be presented with collections I know are false but also to be made to pay them as a sort of blackmail in order to have my credit report be my own. 

Here i am asking for mediation and intervention on this agencies behalf, so that this can be resolved. I have been ill treated and given the run around, I am certain this agency will not be treated in the same shameful and shabby manner. Therefore I ask for assistance to resolve this matter and put an end to the fraudulent collection attempts by this agency.
Product: Vehicle loan or lease

The vehicle is inoperable due to extensive electrical/ electronic issues. Ive taken the vehicle to XXXX separate dealerships, and neither can repair. The last dealership did say they may be able to fix it, but its too expensive for me. Ive contacted Ally financial and they said previously I am not qualified for an extension or any payment assistance. I have decided to surrender the vehicle. Since XXXX, have called to set up the process and each time I speak to someone its like I didnt call the day before. Today, XXXX, I was hung up on. The amount of money Im paying for this vehicle I can not use, and the amount Ive spent for diagnostic has caused me to default on other responsibilities. I just want this car removed so I can rebuild. I believe the dealer, XXXX XXXX XXXX, knew of the issues, but sold this anyway. That will be with another complaint.
Product: Credit reporting or other personal consumer reports

Today, the Consumer Financial Protection Bureau ( CFPB ) sued Experian, the nationwide consumer reporting agency, for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX/Experian/XXXX  after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there were Accounts : on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX XXXX XXXX : {$1700.00}
Product: Credit reporting or other personal consumer reports

My information was involved in a data breach with Equifax and Experian
Product: Credit card or prepaid card

A payment of XXXX was posted on XX/XX/2022 into my Wells Fargo credit card account ending in XXXX. This payment did not reflect on the statement. The last day of the statement period was XX/XX/2022. Another payment for XXXX posted normally on my account on XX/XX/2022. These payments totaled XXXX. This was more than the total amount due, per the statement. Despite this, Wells Fargo 's software did not recognize that I had fulfilled my minimum amount due. As a result the Wells Fargo system debited my checking account ending in XXXX automatically for another XXXX on XX/XX/2022. This software error resulted in an overdraft and XXXX charge to my bank account. Wells Fargo 's policy on automatic account payment ( clearly ) states that an auto debit will only occur if the total of the payments in the account are less than the minimum amount due. In my case, I had fulfilled more than the minimum amount due. Regardless of this, the Wells Fargo system software auto debited my account anyway on XX/XX/2022 without my knowledge or consent. The next day on XX/XX/2022 I talked to at least 4 representatives who were helpful and polite but were not able to offer an understandable explanation as to what happened. Finally I talked to a credit card account escalation representative named XXXX. She was great, as were all the reps I talked to. She agreed the above occurred. On XX/XX/2022 I also talked to XXXX at the Wells Fargo customer advocate department regarding this. Both individuals ( XXXX and XXXX  ) understood what happened and assured me the issue would be addressed and corrected. However I actually needed to make another call to get the XXXX charge reversed. Sorting this out took 8 calls over two days totaling 135 minutes ( 2 hours 15 minutes ) on the phone in order to have the XXXX charge reversed. I was told the Wells Fargo system would still have a record of a bank overdraft against my account that could not be reversed, at least by the reps that I talked to.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS MADE AWARE OF A FEW ACCOUNTS ON MY CREDIT REPORT THAT I NEVER OPENED ; I FOUND OUT TODAY XX/XX/2020 WHEN I WAS DENIED FROM LEASING A CAR AT XXXX DUE TO HAVING POOR CREDIT. I WAS CONFUSED WHEN THEY TOLD ME I DIDNT QUALIFY BECAUSE OF MY CREDIT SINCE I HAVE ALWAYS MAINTAINED A GOOD CREDIT REPUTATION. WHEN I LOOKED THROUGH MY REPORT, I IMMEDIATELY NOTICED THAT NONE OF THOSE ACCOUNTS WERE OPENED BY ME. AFTER DOING MORE RESEARCH, I FOUND OUT THAT THESE ACCOUNTS BELONG TO SOMEONE NAMED XXXX XXXX. I DON'T KNOW WHO THAT PERSON IS NOR DID I GIVE HIM/HER PERMISSION TO OPEN THESE ACCOUNTS IN MY NAME. I HAVE ALREADY FILED A POLICE REPORT REGARDING THESE UNAUTHORIZED ACCOUNTS. I DID NOT BENEFIT ANYTHING FROM THESE ACCOUNTS NOR DID I EVER MAKE ANY PAYMENTS OR TRANSACTIONS USING ANY OF THOSE ACCOUNTS.
Product: Money transfer, virtual currency, or money service

I lost access to an email I used to set up my first account on Coinbase. When I login using that email, I receive the SMS text message authorization, but the second step sends an email to the account I lost access to. So, I know the coinbase account is still active. They have guidelines for how to remedy this situation. I followed them by creating a new Coinbase account and uploading my driver 's license so they could verify I am the owner on both accounts. I have contacted them several times, but never get a response. 

Contacted them on the below dates : XX/XX/XXXX ( # XXXX ) XX/XX/XXXX ( # XXXX ) XX/XX/XXXX ( # XXXX ) XX/XX/XXXX ( # XXXX ) I have included snapshots of the emails with the case numbers created at the bottom of each. I purchased XXXX bitcoin in XX/XX/XXXX for {$95.00} and is now worth over {$1500.00}.
Product: Checking or savings account

I opened an Advance Checking account with HSBC in XX/XX/XXXX and closed it in XX/XX/XXXX. 

Since I earned more than {$10.00} interest from the account in XXXX, I was waiting for my 1099-INT. However, it has not been delivered to me, yet. 

I tried to log into online banking system to see if my 1099-INT would have been available there, but I was not able to log into online banking system. 

I was told later by an HSBC representative that I would not be allowed to log into HSBC online banking system since I did not have any active account with them. 

So, I asked two different HSBC representatives to mail my 1099-INT to me two different occasions around XX/XX/XXXX. 

Both of them insisted that HSBC 's practice would be to mail 1099-INT by XX/XX/XXXX of each year, which seemed odd to me because I believe banks are required to mail 1099-INT by XX/XX/XXXX of each year by law. 

They might have intentionally lied to me to avoid their responsibility or HSBC 's general practice may be in fact out of compliance. 

Anyway, they also insisted I should have waited few more days after XX/XX/XXXX. So, I did, but I haven't received my 1099-INT from HSBC, yet. 

I couldn't filed my tax return only because of the missing 1099-INT from HSBC.
Product: Checking or savings account

On XXXX XXXX I went to XXXX to bash a refund XXXX check from XXXX XXXX for a {$1000.00} it turns out the cashier gives me a slip saying they can't cash it. And that I need to contact certegu payment solution..never heard of them so I did I was required to irder what was on my file report. .it arrived in the mail and it reads that I was on the fraud list?? And so as I'm reviewing my file report they have me down fir. Cashing fraud checksXXXX  well it turns out I dont have a bank institution that I deal with I have a avid prepaid debit card that I use only to get my dmsisial security benefits each monthXXXX  so the infonation that certegy has is an error the checking account number that they have. Is fir my avid prepaid card to take out money from the atm I need to use checking and not sa vings to get money out. Of the atm... so yes iv been humiliated and would like to sue!!
Product: Credit reporting or other personal consumer reports

I have noticed some incorrectly reported late payments on my credit report which I have always maintained on time payments. consumer reporting agencies have to report accurate information and this information is not accurate. I've made on time payments and have made large payments to pay off and close this account early which has happened all on time. I urge you to provide evidence of these being late and if you can not I want these late payments reversed promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing XXXX XXXX for a cosign on my ex husband 's vehicle from 4 plus years ago and now they have updated my payments on a closed account that has been resolved they got the car back voluntary return and they sold the vehicle at auction in XX/XX/XXXX for XXXX XXXX. They say I owe XXXX which is not true now then doing that XX/XX/XXXX lowered my score 97 points .. I have disputed this numerous times and it was supposed to be taken care of along time ago
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to XXXX and Experian regarding deleting these inaccurate addresses and inquiries from my credit file I have attached the documents you guys asked for now please delete the inaccurate information. 

Inquiries from XXXX / XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX addresses from Experian/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX  XXXX
Product: Credit reporting or other personal consumer reports

THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT. 

1. Account Name : XXXX XXXX Account number : XXXX Date opened : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has inaccurate ONLINE information which reflects a negative on my report such as my Student Loans and Car Loan Information. I spoke with an Employee of XXXX and they state they can not correct the online information which keeps my credit score low.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my right.

Company that being reported : Capital One 15 USC 1681 Section 602 states I have right to privacy.

15 USC 1681. 604 A Section 2 states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I've informed XXXX, XXXX, XXXX, XXXX, XXXX, LexisNexis, XXXX and XXXX about these errors. And haven't seen no update. Due to this matter. It is against the law to propagate false information or to use unauthorized consent of a person Name and information. Could we please diffuse this matter