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

Back story to this deposit. My home was XXXX XXXX on XX/XX/XXXX. This check was from our insurance adjuster who first accidentally put the Mortgage Company as an endorser. Not until three days after I made the first deposit of that check did, I go into a Truist branch to ask why the check was being hold. I was then told its bc the mortgage company would have to endorse the check. I left your branch and contacted the mortgage company to start the process of sending the check to them. They asked for details of my claim and then advised me that they do not endorse checks for insurance/personal belongings in the home and that I would have to ask the insurance company to re-issue a new check leaving them off. I did so but they had to first put a stop payment on the original check and wait for that to clear. You can see proof of this in your system and see the check was good. They then overnighted me a check on Friday XXXX I received it Monday XX/XX/XXXX and immediately deposited it at noon. From then I have spoken with countless people to try and plead my case with releasing this hold. Some told me the check would have to " clear first '' with XXXX XXXX who wrote the check. I have confirmed this has happened by the insurance company and XXXX XXXX. Now I am hearing it's a bank decision and " IF I know someone who works at the bank, they can take the risk and release the funds for me ''. So, the OPTION Is out there but the problem is, I do not know anyone who works for the bank and why would I? I never go into the branch as my payroll is direct deposit. Only when I opened my daughter 's account with Truist bc once you merged from BB & T you closed her money account without notice or warning, so I had to go in to open a new one. Again, I would think it's a good thing that I do not know anyone personally in your branch as that would mean I would of had to go in for probably not being satisfied with service, like I'm encountering now. Since XX/XX/XXXX when our home was broken into, our life has been completely upside down. As if that isn't hard enough to deal with, now at XXXX, we are dealing with a bank choosing to hold onto our money. I have reached out over 20 times since Monday XXXX NOONE will help and each person gives a different reason as to why.
Product: Credit reporting or other personal consumer reports

I discovered multiple violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws concerning how my credit information has been handled. Specifically : Willful Noncompliance ( FCRA Section 616 ; 15 U.S. Code 1681n ) : My credit information was accepted and reported without proper verification, which constitutes willful noncompliance punishable by civil liability.

Failure to Disclose Opt-Out Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : I was not informed of my right to opt out of sharing my personal information, which is a clear violation of my rights as a consumer.

Furnishing Inaccurate Information ( FCRA Section 623 ( a ) ( 3 ) ) : Inquiries and accounts were reported inaccurately without proper validation, violating Generally Accepted Accounting Principles ( GAAP ) and the FCRA. 

Unfair Debt Collection Practices ( Debt Collection Practices Act ; 15 U.S. Code 1692g ) : Unverified debts were reported, leading to harassment and distress from creditors contacting me without proper authorization or consent.

Improper Disclosure of Debt Information ( 15 U.S. Code 1692b ) : Debt collectors disclosed my debt information to third parties, violating regulations that protect my privacy. 

Deceptive Reporting of Late Payments : Late payments were reported inaccurately without clearly defining what qualifies as a late payment, creating a misleading and unfair representation of my creditworthiness. 

Errors in Finance Charge Determination : There were inaccuracies in how finance charges were calculated and reported, which is the responsibility of the credit reporting agency.

Reporting Without Consent ( FCRA Permissible Purposes ; 15 U.S. Code 1681b ) : Information was included in my credit report without obtaining my written consent, breaching the permissible purposes outlined in the FCRA. 

In light of these violations, I have requested the deletion of specific incorrect personal information and unauthorized or unverified accounts from my credit report. These include accounts associated with entities like XXXX XXXX, DPT Treasury, XXXX, XXXX XXXX XXXX. If these issues are not resolved promptly, I intend to pursue legal remedies as provided under the law.
Product: Debt collection

On XX/XX/2107 I received and alert stating that XXXX has added a new collection to my XXXX credit report. This is inaccurate information because i paid this debt to Alliance One on XX/XX/2017. A pay to delete letter was submitted to Alliance One on XX/XX/2017 along with a cashier 's check for {$100.00} which stated that upon cashing the check Alliance One would be in agreement of accepting the payment as paid in full for debt and removed this collection from all XXXX bureaus within 15 days of cashing. Alliance One cashed my check on XX/XX/2017 and mailed me a letter on XX/XX/2017 stating that they no longer own the collection and that i should contact XXXX.Alliance One cashed my check then sold this account to another collection company by the name of XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Georgia Laws Dear CAPITAL ONE, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws as they apply in the state of Georgia. 

It has unequivocally come to my attention that ( Company Name ) has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

Additionally, Georgia state law under the Fair Business Practices Act ( FBPA ) and the Georgia Identity Theft Act emphasizes the necessity of consumer consent for credit reporting and highlights the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for ( Company Name ) to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that ( Company Name ) immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Sectio
n 1681b ( a ) ( 2 ) of the FCRA and the relevant provisions of Georgia law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud statutes.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Georgia state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that ( Company Name ) will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith. 

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

I have not owned the property that this mortgage was attached to in XXXX of 2019. The property with the mortgage in question was sold at a judicial tax sale. The tax sale was held and administered by the XXXX XXXX XXXX XXXX XXXX. Once the property sold at the tax sale, the lienholder continued to pursue me for the debt. 

I have spoken with them countless times on this matter. I have made no progress. They have continued to report negatively to the major credit bureaus. I do not know what else to do. 

The Mortgage company is XXXX XXXX XXXX.
Product: Mortgage

I sold XXXX rental homes, on XXXX/XXXX/2016, I believe, and part of the proceeds went to payoff all loans. I was owed escrow money and principal back from XXXX and XXXX mortgages. I received all of that in a timely manner from XXXX or the XXXX carriers. However, a company called Ditech is trying to steal escrow money from me. They owe approx {$1700.00} to me. They said their original check went to the wrong address even though I never requested it be changed. They, after a long delay, they said they mailed a new check on XXXX/XXXX/2016. It 's still not here. I do n't know if they a liars are just amazingly incompetent, but I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian have not removed a reported Maryland state tax lien from my credit report. The lien itself does not contain my full social security number or date of birth, therefore, they can not report it on my file.
Product: Mortgage

On XX/XX/2017 I paid my XX/XX/XXXX property tax payment directly and faxed my receipt that day to Amerihome. On XX/XX/XXXX I called and they confirmed they had received the receipt and that within 2-3 weeks the escrow account would be reviewed and any excess amount would be returned to me. It's been over 3 1/2 months and I not received a check. They claim on XX/XX/XXXX ( why so long?? ) they sent me a check for {$2900.00}. I called on XX/XX/XXXX and said it did not arrive and they claimed to have issued and sent another check but it has not arrived and they want me to wait another week and a half per customer service today. I asked for an overnight check and she said they can't do that, I asked for a supervisor and was hung up on. Altogether I have called 6-7 or more times since XX/XX/XXXX.

They have not treated me with basic decency and I believe they are purposefully keeping my money.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

An incorrect address is listed on my credit report and I want it removed immediately. That address is XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX. 
I want this address deleted from my credit report immediately.
Product: Mortgage

I had called Carrington Mortgage on or around XX/XX/2020. Asked they why they have not reported my loan to credit bureau. Because I had disputed done complaint with CFPB ( XXXX ). They advised me they are not going to report mortgage from date claim for 120 days. I asked when will report he told me that did not know. 

When I go to credit karma looks they have charged off the my mortgage. Something is not correct. I tried calling trans union there office are reduced hours because of the covid. The hours they open I am working. When Carrington reports to the credit bureau my credit score does not update. I need everything report correctly from XX/XX/2020 to current. 
I have included screen shots. If notice the home loan has a black dot just like the auto loan that is paid in full.
Product: Vehicle loan or lease

This company falsely repossessed my vehicle after Ive made my payments timely. They racked p additional charges and late fees and despite me making a payment to bring my account current within less than 30 days of delinquency they repossessed my vehicle. In order to get the vehicle back I had to pay over {$1200.00} in tow fees and processing fees. My husband lost his employment due to COVID and we are down to only 20 % of our normal income. We explained this to Westlake several times and yet they refused to work with us. The greed and inhuman acts of this company should close their doors for good so they cant take advantage of consumers. They are inflating interest, penaltys and fees to gain more profit and that is just simply wrong during these hard times. At this time I would like a full refund for vehicle. The damages caused by the tow company broke the alignment and caused additional damage to vehicle that we can not afford to fix. I would like a full refund of {$9600.00} for the amount Ive paid for the vehicle, plus repossession fees of {$1100.00} and additional penaltys of {$20000.00} In damages.
Product: Debt collection

CREDENCE RESOURCE MANAGE This company was added as the debt collector after XXXX XXXX XXXX never made reasonable attempts to notify me of the pending debt. XXXX XXXX XXXX not only allowed the federal government to illegally wiretap me when they had no reason to believe I had ever committed a crime, they allowed them to live listen to my calls, monitor XXXX XXXX activity and allow third party - non-U.S. government contractors with ties to foreign governments- to do the same with impunity. 

XXXX XXXX XXXX  The only entities that benefited from my relationship with them was XXXX XXXX XXXX and the federal government. I was never given the opportunity to settle or ask XXXX XXXX XXXX to investigate these substantiated claims that even XXXX XXXX acknowledged the federal government broke their own policies to illegally view my bank account activity without a warrant or reason to believe a crime was being committed. XXXX XXXX XXXX is allowing the government to use them and their creditor as a weapon and intimidation tactic to dissuade people who dont fit a certain background / race to work for the federal government. 

This debt was recently added on XX/XX/XXXX - just days after I applied for jobs with the federal government and it is calculated ( provable ) attempt to deter me from pursuit of jobs within the government because of my own political beliefs and XXXX of my skin. They have gone after companies I work for recently as well as associates and should be investigated in the same fashion they investigated me and treated me like a criminal with no probable cause.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - XXXX Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

We have done an ACH wire ( {$30000.00} ) on XX/XX/2018 from XXXX XXXX   to Wells Fargo. Unfortunately, Wells Fargo bank account was incorrect. ( someone hacked the emails of our vendor email server and sent us official notice of bank account changed ) Since ACH was initiated by us, XXXX refused to act as a fraudulent activity and Wells Fargo though confirmed ( by local bank manager ) they see this exact amount sitting in this account, but refusing to release fund back to us ( XXXX ) saying they need some sort of legal complain/ notice to do that. We went to local law and enforcement and file an official complain but after few weeks they found our money transferred from one account to another within Wells Fargo but eventually withdrawn the money by saying Loss Prevention Closing Entry ( screenshot attached ). It seems money is still with Wells Fargo and need your immediate assistance to release these funds back to us ( originator ). I would appreciate your attention to this matter. Thanks XXXX
Product: Mortgage

BB & T Servicing is not sending any mortgage statements. Their online portal also does not contain any mortgage statements. I emailed them through their portal to demand that they issue me my mortgage statements and they have not done so.
Product: Mortgage

RE : Case number : XXXX I am now filing an additional complaint in this matter concerning my escrow account and my demand that the account be dissolved and all funds remitted to me. Citizens has engaged in stalling tactics throughout this process and now has requested an additional 60 days! They have no documentation to support their claim of a " fee '' that should be imposed on me for the dissolution of the account. They have continuously tried to placate me by asking for an additional number of days to " research the issue ''. It is time for them to close the account, as they have already agreed to do, and turn over all funds to me. 
The attached documents show a pattern on the part of Citizens to continually stall the customer and delay any resolution.
Product: Debt collection

FCO  has been filing to credit bureaus, since XXXX, claiming that I owe them {$8300.00} from XXXX to XXXX. I advised that the charges were erroneous and that XXXX XXXX XXXX  did an illegal eviction on XX/XX/XXXX. They claimed that I had an unauthorized person living in my apartment. I immediately called the management office and insisted that they inspect the apartment. They advised me that someone would inspect the apartment. However, they never inspected the apartment instead they sent vacate letters and lease termination letters multiple times. They locked my tenant account and was basically forced to leave. I had no choice but to vacate with my XXXXXXXX XXXX XXXX  children. I am unable to secure an apartment and was left homeless due to this issue for over 7 years. 

They continue to file with the credit bureaus affecting my credit. I continue to get denied my birth right to have a place of residence. I have worked diligently with the credit bureaus to improve my credit and disputed the charges. But FCO  continues to file with credit bureaus and reset the clock. The statue of limitations in the state of NJ is 6 years. Please help me to resolve this matter so that I can have a place to live. XXXX XXXX is notorious for retaining initial deposits, adding erroneous charges and illegal evictions. They need to be stopped as they have monopolized the entire XXXX XXXX region.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX 2017 I thought this was resolved I paid this balance off
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report. 
The following account XXXX XXXX XXXX ( Account XXXX ), Original creditor : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX. XXXX {$680.00}. XXXX XXXX ( Account Number : XXXX ), ( Date Opened : XX/XX/XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), ( Date Opened : XX/XX/XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ), ( Date Opened : XX/XX/XXXX ), XXXX BANK XXXX ( Account Number : XXXX ), ( Date Opened : XX/XX/XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), ( Date Opened : XX/XX/XXXX ) .I have never had an account with any of these companies. Cease the reporting of the fraudulent item being reporting immediately. ( Please see attachments )
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 2 months my credit score has not been updated correctly. Typically your credit score reflects whether it has increased or decrease in points. Mine has done neither. Someone is illegally trying to sabotage my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checkr Inc. reported about my background as a criminal record to XXXX XXXX company. XXXX XXXX company reached on negative decision about my candidacy to partner with them as an independent contractor. I have no court orders or decisions about my me but I have an ignition lock and interlock driver license which doesnt prevent me to work with any company. To my understanding ignition lock is a safety lock that helps me to drive safely. USA federal law or state law do not prevent me to be hired or partnered with legally operated companies. This kind of un proofed report is interfering my existence. Please help me to stay in life and support my family!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$26000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.