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

In XXXX, I filed for Chapter XXXX Bankruptcy and Discharged on XX/XX/XXXX. The main reason to filed for Chapter XXXX Bankruptcy was due to XXXX  XXXX XXXX refusal to Modify my Home Mortgage. 

During the initial Chapter XXXX Bankruptcy procedures all payments stopped. The court and/or XXXX XXXX XXXX assigned XXXX XXXX XXXX to serve my mortgage Loan Mortgage Number : XXXX. 

According to the 3 major credit bureaus, my credit reports indicate MORE than 120 days late payments. Of course affecting my FICO Scores tremendously. I am dealing with this issue since XXXX to present. 

- I have explained my concerns and offered my criteria to XXXX. XXXX, did not believe it and declined my claims. 

- Also, I have disputed online, in writing and by phone the 120 days late payments report to the 3 major credit bureaus. The replies and/or explanation are difficult to understand and seems they are not personalized. NO CHANGES. 

- Personally, I have contacted by phone many times XXXX XXXX XXXX in XXXX XXXX, Florida. No changes in their belief system and procedures. 

- I am currently paying " XXXX XXXX '' a monthly and expensive fee to help me clearing the 120 days late payments and any other " delinquencies '' as legally possible. After few tries, no success with XXXX and either the 3 credit bureaus. 

Although, that Chapter XXXX Bankruptcy was officially Discharged on XX/XX/XXXX, still the " delinquencies '' that motivated the bankruptcy are reported and present in my 3 credit reports. 

My numerous requests to clear and update my credit reports have been disregarded. 

Please advise. 

Thank you very much. XXXX.
Product: Checking or savings account

I deposited a check into this bank. They took several weeks to verify it. They made all of the funds available to me for about three days and then they restricted my use of the check again. The lie or excuse that they are using to keep my money away from me is that they need more time to further verify the check. They told me that they need at least another week to verify the check. I told them to call the issuing bank ( XXXX XXXX ) right now while I was on the phone to verify the check and they refused. XXXX XXXX XXXX helped me to receive this very same check from XXXX XXXX about a month or two months ago. I deposited this check in BECU and after taking 2 weeks to clear the check, after making all of the funds available to me for about 3 days, they are pretending that the check didnt successfully and completely clear in order to keep me from using my own money. They are non-profit credit Union, and I hate to to think that they use tactics such as this to make money or steal money from their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I applied with Veterans United Mortgage for a VA Home Loan, FHA Home Loan, USDA home Loan, and a XXXX Home Loan. XXXX XXXX at ext. XXXX was the Mortgage Specialist I received email contact from and spoke with a XXXX XXXX XXXX. XXXX in the Client Advocacy Division, this criminal was very combative and XXXX, BOTH of these criminal refused to discuss my Option ( s ) for my Earned XXXX VA Mortgage Loan, they thought the non-communication GAME would trump, Not on my Watch, I'm a Pit-Bull, I Fight Back. To-date I've Not gotten any correspondence from anyone within the Veterans United camp, Compliance, General Counsel and the President of Veterans United hasn't taken my call for the " STATUS '' of my Loan ( s ) request, VA, FHA, USDA, and or a XXXX Home Loan as a XXXX Veteran and XXXX Strong & Powerful Consumer Demanding a HOME Loan. I've reached out to HUD, and I've advised HUD of my instructions for non-delays, let me explain, just like I file XXXX XXXX Congressional Inquires, I advised HUD, that I will reach out to Congressman XXXX XXXX XXXX office and Senator XXXX XXXX XXXX office to instruct this governmental Agency, HUD of their XXXX duties. Systemic XXXX XXXX acts will Not prevail
Product: Debt collection

I have wrote a letter to the XXXX XXXX XXXX Law firm concerning a debt from 2008. I was paying XXXX XXXX XXXX XXXX. Paying XXXX for past few year prior to that is was another company. I do n't believe I still owe after all these years. I wrote a letter asking for a clear a statement showing all the money that has been applied. They have not responded 30 days ago. I pulled my credit fnot long ago it show that the was close in 2008 an still shows I owe XXXX. Which tells me this debt is not clearing up the balance on my report. Please help get this resolved.
Product: Debt collection

I am writing to dispute the presence of a {$1900.00} debt that I have been recently notified about on my consumer report. According to my report, there is an account listed under Assoc Credit Services for which I am allegedly responsible. I want to emphasize that I have no knowledge of this debt, and I did not have the opportunity to dispute it before it appeared on my consumer report.
Product: Debt collection

I have received muliple solicitation type mailings from multiple companies about " possibly '' being sued then this company called me and used threatening tone and verbage about pending litigation. I checked with my county of residence and learned there is nothing filed so the rep was not being truthful.
Product: Bank account or service

I was formerly a Scottrade customer and part time Scottrade intern at the XXXX XXXX campus - and I can not say I am surprised that this happened. 

Scottrade 's customer support has always been horrendous with managers placing emphasis on an unwritten policy to not deal with any dispute if it requires significant resources. Managers have cut the Scottrade support staff to a minimum and instructed employees that if a customer is not satisfied - " force them to use arbitration ''. The corporate culture is all about profit - not a minute is dedicated towards customer satisfaction. 

In terms of cybersecurity, Scottrade is at best below par, at worst, utterly incompetent. I have now moved to the Cybersecurity business and have analyzed complaints against Scottrade as well as their statements in an effort to research the industry and found some very disturbing things. Like others has mentioned, it took Scottrade more than two years to discover the breach, they refuse to give details, and do not provide retroactive identity theft coverage - but there is much more. 

1. ) If you XXXX " scottrade muckrock '' you will see that a number of complaints submitted to the SEC and forwarded to Scottrade have directly reported the failed cybersecurity infrastructure and corporate ignorance. If you file FOIA requests with the SEC you can obtain more information. 
2. ) An associate of mine was a victim of an " account takeover '' in 2013. His Scottrade account was hacked and over XXXX dollars was stolen. Scottrade refused to acknowledge the fraud and claimed on numerous occasions that their cyber systems are " flawless ''. 
3. ) Also reading complaints about Scottrade and researching their computer networks, there are STILL security vulnerabilities in Scottrade 's systems that allow fraudulent ACH transfers, fake account, and market manipulation. 

To everybody that has decided to leave Scottrade - Good for you. 

To everybody that is decided whether to go elsewhere - There are numerous other options available, choose somebody that offers two factor authentication, that is generally an indicator that they at least have a half-way competent cybersecurity department. 

To everybody that is still doing business with Scottrade - If things go south, expect Scottrade to XXXX you in an efforts to protect their profits and avoid liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting un-verified accounts on my credit report.I have no knowledge of these alleged debts. I have disputed these debts with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. I've just reviewed my credit report and have noticed there are several inaccurate items on my report : XXXX XXXX XXXX late payments never been late on this account XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Charge-off not my account belongs to someone else XXXX XXXX Late payments never been late on this account XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Product: Vehicle loan or lease

Reported 30 day late in XXXX - check was mailed directly to company, mailed to the address provided by company. Company sent check back. 3 months reported unknown in XXXX. Have not reported payment since XX/XX/XXXX. Tried to speak with a representative who could not provide any information regarding issues stated above.
Product: Debt collection

I sent a certified letter with return receipt to this company which was received on XX/XX/XXXX at XXXXXXXX XXXX according to the USPS. Jefferson Capital System in XXXX, MN is reporting a debt of {$150.00} from XXXX from XXXX on my credit. I have no knowledge of this account. The account is marked as a financial product on one of my reports. It should only be marked as telecommunications or similar on credit reports. Also, I contacted XXXX who own XXXX and they could not validate the debt. XXXX was bought by XXXX in XXXX. This alleged debt is from XXXX according to Jefferson but the dates reported on my credit report are skeptical. The debt wasnt reported on my credit until recently this year. I have no knowledge of this debt and the Jefferson will not furnish any information to prove it is mine. I have filed a report for identity theft with the FTC and plan to with the local police.
Product: Debt collection

Paid my total balance of {$210.00}. The date in my check book is XX/XX/XXXX but I mailed it on the XX/XX/XXXX according to XXXX XXXX. They said they received it on the XX/XX/XXXX. As far as I'm concerned I've paid the debt but they have called me countless times and continue to send me bills and increasing the charges. Thank You, XXXX XXXX
Product: Checking or savings account

I tried to open a savings account with Ally Bank and was denied because I am not a citizen of United States and only had an ITIN number. I was sent a claim for for the class action lawsuit to receive compensation of {$250.00} which included a W9 form. I sent both in XX/XX/XXXX claim # XXXX. XX/XX/XXXX still hadn't received any compensation I emailed allybanksettlement and sent my claim number at least 5 times. I just heard back this week XX/XX/XXXX that my W9 wasn't completed and they should have sent me an email so I could complete and send back. They confirmed that email was never sent to me and still are denying my claim. This is wrong and unfair they made a mistake and won't take accountability for their error. 2 emails sent by Ally same day : On XX/XX/XXXX at XXXX XXXX XXXX XXXX wrote : Thank you for contacting the Ally Bank Settlement Administrator. 
The form was not fully executed as it was missing information. As you were informed in the notice and claim form, you could be asked to provide official documentation to receive a cash payment from the settlement. As such, we sent notice to request such documentation from you, however we did not receive requested documentation. 
The final deadline to respond to Denial Notices expired. All deadlines and opportunities to cure deficiencies and/or dispute Denial Notices have passed. We are no longer accepting deficiency responses or disputes. 
For more information, please visit www.ABBankSettlement.com. 
Regards, Ally Bank Settlement Administrator www.ABBankSettlement.com - On XX/XX/XXXX, at XXXX, Administrator XXXX wrote : Thank you for contacting the Ally Bank Settlement XXXX. 
Our apologies, it appears we did not send a notice requesting additional information. Both parties reviewed your claim and agreed to deny your claim due to missing W9 Form. For more information, please visit www.ABBankSettlement.com. 
Regards, Ally Bank Settlement Administrator www.ABBankSettlement.com
Product: Payday loan, title loan, or personal loan

I the federal protected consumer or natural person pursuant to 15 USC 1602 ( g ) submitted a loan application for a {$100000.00} consumer loan and was denied based on credit which is violation of 15 USC 1691c. USAA Federal Savings Bank is in violation of 15 USC Code 1642, USC 1681 and 12 cfr 1002 because I, the consumer made an application in good faith, but funds were not issued.
Product: Checking or savings account

I opened a Checking account with SunTrust Bank on XX/XX/XXXX online. I was told I would need to go to the branch office to make a deposit and get my account number, etc. On XX/XX/XXXX I went to SunTrust -XXXX Branch in XXXX , Tennessee and deposited {$500.00} cash. They gave me a card with their routing number and my account number. 
When I got home, I went online to set up my Bill Pays. I set up 5 and they were all successful and paid. I also ordered checks online for {$23.00} or so. 
On Tuesday, XX/XX/XXXX I tried to logon to my account and it said, access denied. I called Customer Service and was told that my account had been closed. I asked, why and I was told it was because of Rules and Regulations. I asked what that meant, but no one could tell me. 
I called XXXX, Assistant Vice President at the XXXX Branch and told her what was happening. She said there was nothing she could do. She did not know why they closed my Checking Account. 
During the following days I continued to contact Customer Service to see if they could tell me anything. Somewhere during my phone calls, I was transferred to the Fraud Department and spoke with a representative and once again told my account was closed due to Rules and Regulations on page 23 which says they can close my account. I asked to speak to a supervisor and then spoke with XXXX. She too gave me the same answer. She said I would receive a letter within 10 days advising of the closure. I asked her if the letter would give me the reason ; she said no. 
I asked her when I would get my money back from the account. She said around 20-25 days. 
After hours of talking with many representatives of SunTrust, I was getting nowhere. I explained to them that if fraud was involved, I needed to know asap since I had my identity stolen in XX/XX/XXXX, have been affected by the XX/XX/XXXX XXXX   Data Breach and I needed to straighten out the information. I finally called the Account Security and Claims at SunTrust on XX/XX/XXXX and they gave my information to the investigators and gave me a Case # ( XXXX ). The investigator was to call me that afternoon or this morning, XX/XX/XXXX. I have heard from no oneonce again. 
In the meantime, I have received my debit card, emails with promotions as if Im still a customer. 
Since this has happened, my credit scores have gone from over 600 to now at all 3 bureaus to XXXX, XXXX and XXXX. And this is just in a week. Does this have anything to do with SunTrust? I dont know. I have had over 17 inquiries from companies I dont know. 
So why, SunTrust did you close my account. I believe I am entitled to know.
Product: Credit reporting or other personal consumer reports

Dear CFPB and Equifax VIOLATION OF USC 1681 ( I ) FAILURE TO INVESTIGATE A VALID DISPUTE Charge off XXXX under the name of XXXX This is not a redundant complaint as this is repeated behavior by Equifax and each issue is on a separate complaint because Equifax is failing to read the valid complaints On XX/XX/XXXX, I requested that Equifax conduct a thorough investigation on my XXXX a medical debt charge off due to inaccuracies. It appeared that the investigation never took place because the inaccuracies were still there. I requested another investigation in XX/XX/XXXX but Equifax failed to investigate this as well. Additionally, in XXXX I request requested the removal account of the XXXX Bank based on its status of Medical Debt After an entire day was spent waiting on hold to get an appropriate agent and Equifax agent determined that no investigation has never been done on the XXXX XXXX and they were puzzled as to why the investigation team changed to name of the tradeline from XXXX to a bogus name of XXXX. They then asserted that they could not do an investigation because they didnt have the name of the account. This deceptive behavior prevented me from ever having an investigation. USC 1681 states that I am allowed an investigation within 30 days. Or it must be deleted. I have now made three request, and I am demanding that it be deleted Because my rights were violated under the Fair Credit Reporting Act.

A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
An honest agent with Equifax brought to my attention that no investigation had ever been done, and therefore my rights have been violated as it pertains to the XXXX XXXX medical debt account. This neglectful and deceptive behavior is getting very common with Equifax. 
Please notice that I have included my drivers license and Social Security number because Equifax constantly uses this as a bogus excuse to delay legitimate investigations Please see my screenshots for the correct spelling of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian is the company. There is no clear way to contact them to obtain my free credit report. 
Background : I attempted to use the annual free report site. I was able to get my report from XXXX and XXXX by entering my email address and my cell phone number. Both sent a code via text. 
When i attempted to get my Experian report through the annual site, Experian sent a link to my cell phone, instead of a code. When i attempted to open the link they sent, i got a message that said my phone 's browser settings had to be adjusted, including enabling XXXX, which is a security vulnerability. 
Second attempt : i went to their web site where they prompted me to enter my SSN last 4 and my cell phone. Expecting that i would get another unusable link, i called their toll-free number. Every time i asked to speak to an agent or specialist, i got stuck in a voice response loop that eventually hung up on me.

This is unacceptable. Experian appears to be making it very difficult to obtain the free credit report, when compared to the other two agencies.
Product: Vehicle loan or lease

On XX/XX/XXXX I called XXXX to inform them I will not be able to make a payment due to my office being closed as a result of the Covid-19 crisis. I asked to defer the payment & the agent informed me they are not able to do so. He stated for me to call after my account is delinquent for assistance. My payment was due on XX/XX/2020 and I did not make the payment. On XX/XX/2020 I received a call from the agency asking for the payment. I informed them I am still furloughed & again asked to defer the payment. Again I was denied. Today I received a call from their agent again asking for payment. I informed the agent I still have not returned to work & I am unsure of when I will be able to pay. The agent then asked me what is the status of my stimulus check. I did not have to but I informed her I received it but used it to pay my rent so my children & I could have a safe place to stay. The agent then responded by saying she guesses I do not need the car because it will be reposed due to none payment. 
The Covid-19 crisis is affecting the world and I am doing my best and I have tried my best to get the agency to assist me but they have not and now I am being threatened with my car being repossessed. I was under the impression that the banks/loaning agencies were supposed to work with us because of this crisis. Please assist me in resolving this issue. I do not want to get my car for free I just want the payment for XXXX and XXXX to be deferred for now.