23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received via US Postal Mail, a letter from SunTrust dated XX/XX/XXXX. I objected to the response for the following reasons : A. I sent, an email, a full loss mitigation application to SunTrust on or at XX/XX/XXXX and XX/XX/XXXX. To date, SunTrust hasnt decisioned, replied to, acknowledged, or processed that loss mitigation application.

B. The loss mitigation application submitted again to SunTrust on XX/XX/XXXX via email has similar treatment by SunTrust-It hasn't been acknowledged by or processed by SunTrust. 

C. The XX/XX/XXXX from SunTrust letter seeks to reply to both a QWR/NOE/RFI to SunTrust AND request that I submit a new loss mitigation application without replying to or decisioning the XX/XX/XXXX application as deficient, declined, adjusted, modified, or any activity of the same. 

D. SunTrust. on XX/XX/XXXX, notes that my documents submitted for loss mitigation are over 90 days old BUT SunTrust doesnt provide a reason why it hasnt processed the loss mitigation application timely or acknowledged receipt or anything. SunTrust is defiant of and not complying with CFPB rules for processing loss mitiation and defied the XX/XX/XXXX CFPB rules on processign loss mitition applications. 

E. Since SunTrust has determined that I do not have to pay Mortgage Insurancde Premium, ( MIP ), I wish to know if the desk review noted by your lawyers that asserted that the loan isn't like to be approved for loss mitigation options, included the deletion of MIP as part of the payment declaration. Secondly, since I asserted as part of the QWR, that that item should have been deleted as far back as XXXX, will SunTrust recover such amounts and adjust the escrow and payment matters.

F. SunTrust denied and would not delete negative credit information from credit agencies and is in direct opposition of the CARES Act and Presidential Executive Order as well as Executive Order of the Mayor of DC. 

G SunTrust hasnt addressed all of the items noted in my QWR/RFI/NOE and the same is attached for your review together with documens and declarations to the same of your review. Please comply with the QWR duly submitted.

H. SunTrust asked its lawyers, contrary to a representation to the Superior Court of DC, that they would remove my loan from loss mitigation contrary to CPFB rules, and inferred that they would start foreclsoure proceedings in defiance of an order not to do so by the Mayor of DC.
Product: Debt collection

Enhanced Recovery Corp. has bought a debt from XXXX XXXX. XXXX has reviewed my ID Theft Report and has seen I was a victim of Identity theft. XXXX XXXX. removed the account from my credit. Enhanced Recovery continues to report the account as mine
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card was missing, plus I moved to my XXXX house in XXXX, and XXXX I have paid it off, and credit repair but it is on there preventing me to own a home XXXX card wasnt remove after I paid them. 
I have no idea about XXXX clinic I already paid them. 
I dont owe no one of these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

1. The status is incorrect for the following account XXXXXXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I checked my personal credit report, which I acquired from your organization and I noticed that this unauthorized inquiry had been made : 1. XXXX Date of inquiry : XX/XX/2021 2. XXXX Date of inquiry : XX/XX/2021 I contacted those who placed the inquiry and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date, there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at the address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank You, XXXX XXXX
Product: Credit card

Debt on card was settled and paid as agreed over a month ago on XXXX XXXX, 2015. To date Capital One has not reported my correct debt status of {$0.00} to the major credit reporting agencies and have not provided verification of payment in full as agreed. They are continuing to report a balance due to all XXXX credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously reported that I am a victim of identity theft and requested the company SoFi to close my loan that had been initiated in my name around XXXX of XXXX. 

I first became aware of the loan around XXXX of XXXX, when I had arrived home from a 5 month trip to XXXX XXXX, and had found 3 or more withdrawals ( of approximately {$1400.00} each ) from my checking account for a SoFi loan. I logged into my XXXX XXXX and found a {$75000.00} loan from SoFi reporting on my credit. This loan was opened in my name and address using fraudulent contact information including a unregistered phone number and an old inactive email ( that I presume was used to communicate with the company ). 

I immediately placed a freeze on my credit report and, further, sent a letter to the company dated XX/XX/XXXX containing a copy of my FTC Identity Theft Report, proof of identity, dispute letter of the account in question and a notice of furnishers of information. 

On XX/XX/XXXX, I received a " fraud package '' mailing from Sofi requesting additional documentation in regards to my report. This called for a notorized affidavit, copy of government ID and a police report. 

I was able to submit all but the police report and sent the documents back to Sofi on XX/XX/XXXX. There had been a delay with the police report as I had just filed with the XXXX County Sheriffs Department and the process typically takes a couple weeks for the report to be indexed into records. I followed up with an email on XX/XX/XXXX providing a copy of the police report to Sofi. 

By XX/XX/XXXX, after an " investigation '' by Sofi, fraud was not " determined '' and I'm held liable for the balance. 

My complaint is as follows ; 1 ) The company takes an extremely long time, nearly two months, to acknowledge receiving my documents. 
2 ) Continued harassment by phone calls and emails for payment despite the questioned account is under review. 
3 ) Concludes a 24/48 hour investigation without even contacting me for questions or additional information. They completely overlooked the fact that I had not even been in the country during the time the loan was initiated. 
4 ) My request for additional information as to the origins of the loan from the company on XX/XX/XXXX has yet to be provided 8 days later, indicating to me that they did not do proper due-diligence when it came to their prior investigation. Surely if they had documentation against my case it should be easily accessible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, Great American Finance Co Acct # XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists XXXXaccount # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX '' XXXX '' account # XXXX all XXXX XXXX XXXX account # XXXX are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, XXXX, XXXX XXXX XXXX " XXXX '', XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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 ) ( 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

Consumer Portfolio Services ( auto financing ) was included in my chapter XXXX bankruptcy filing. They were paid in full ( 100 % ) by my trustee employed by The Ohio XXXX District ( XXXX Ohio ) Federal Bankruptcy Court. 
The Chapter XXXX Bankruptcy has been successfully discharged. They continue to report on my XXXX credit report as this account being " open '' after attempts by myself thru the online dispute option. I have plenty of documentation showing they were my auto finance company, they were paid in full thru the Ohio Federal Bankruptcy Court, and that they were notified and informed of the completion and closure of the case by the courts.
Product: Debt collection

Found out on XX/XX/2021 that LJ Ross Association had added a two debts to my credit file in the amount of XXXX and XXXX. The debt is originally from XXXX but I have no record of it and I have two insurance companies which have not been billed.
Product: Credit reporting or other personal consumer reports

I have repeated request and reported this information to be inaccurate, it's simply them taking there word over mine. No one will send the request information I tried directly from NCS then the credit bureaus themselves! XXXX XXXX  LIED! I have reported the litigation between that company and myself submitted PROOF, AND not mention it's Public Record. The judgement reads {$0.00} ... ..although I was long gone before that took place, if I owed you, why I received Nothing! If i owed you why not ask for that respective amount in court!! These businesses are out here ruining and sabotaging people as retaliation! There roof fell on my head, the insurance company and there investigators admitted fault. A is public record and NCS AND THE CREDIT BUREAUS CONTINUE TO INGORE MY PLEAS AND REQUEST TO MAKE THIS RIGHT
Product: Vehicle loan or lease

On XX/XX/XXXX at XXXX XXXX I contacted the corporate offices of Santander Consumer USA. I was about to pay off my vehicle but due to poor health and mismanagement accrued nearly {$1900.00} in late fees. I asked for any amount to be waived. The board of directors was gracious enough to waive {$500.00} within a few days. I called numerous times to thank them and even emailed them. I called and asked On numerous occasions during the month of XX/XX/XXXX is I had to pay the late fees and what would happen. 

All of the representatives I spoke stated that there was no regular payment required, I could pay them at a later time and that all that would happen would be is that they would keep my title until the late fees were paid. I also used the contact feature on their webpage to tell them not to charge me a late fee on a late fee. Santander was still showing that I had my regular car payment due even though I had paid all principal and interest. 

XX/XX/XXXX we received a bill for {$.00} which we paid. On XX/XX/XXXX I began to receive notices from XXXX XXXX that Santander was placing 30 day late notices on my credit report. I thought for sure it was an error because the car was paid off so I just disputed it. My credit rating dropped 70 points almost disqualifying me from a business loan I am trying to take out for a veteran owned business. A new 30 day late was posted on my credit. I called Santander and emailed and sent messages through XXXX wondering what they were doing. For days they strung me along saying they would get back to me. 

On XX/XX/XXXX at XXXX I was contacted by XXXX XXXX who began angling the conversation to the point that I was not told by the agents that I didn't have to keep paying my late fees like my regular payments ( which I was ), that it was my fault this was happening ( yes the late fees but not the hit on my credit ). XXXX brow beat me by asking the same questions over and over like the detectives I used to work with, trying to get a confession. I gave up and stated to her that I was getting a lawyer for Santander ruining my credit. 

I was sent an acceleration letter for {$0.00}. The letter stated that if I did not give them {$0.00}, they would accelerate my loan or repo my car. Now My XXXX  score dropped 124 points in one day because they closed the account unexpectedly with a balance instead on reaching out. I took the money to pay them out of my life saving so they wouldn't continue to harm my credit.
Product: Mortgage

I applied for a mortgage loan with Homestar Financial in XX/XX/2023. At first everything seemed easy but as time went on I was asked to submit things I did not have. I did everything I was told to do and pay only to end up without a home.
Product: Money transfer, virtual currency, or money service

I set up a cash app account and its supposed to come with a cash app card. When I try to order the card on the account I get an " unexpected error '' screen within the app. 

When I chat with customer service within the app ( and this has been going on for quite a few months. with me, and other people ) but when I tell them about the error and ask them about how I can go about remedying the problem so that I can get a cash card to be able to spend my money FREELY WHEREVER I CHOOSE they simply tell me : " you can't have a card, and we won't give you any more information '' and they RUDELY, AND VERY DISRESPECTFULLY shut down any further communication. ( IT IS VERY BAD ) I'm afraid that if I keep pressing the issue then they will make me close my account and not have access to the things that my friends and family have, within being able to utilize that service, while at the same time keeping me feeling like a second class citizen who is undeserving to have all of the offerings that they have available for other people. 

I did a search for this issue all over the internet and in forums and everything and I see and feel that this issue is being " handled manipulated and managed '' and whole discussions are being circumvented, with the confidence that there is no oversight. 

Even so much as to be bold enough to feel no obligation or responsibility to inform or explain to you why they are manipulating the way you spend your money through making you keep it in digital circulation.
Product: Debt collection

This company and their attorneys are threatening to sue me for a debt that does not belong to me.
Product: Mortgage

I have submitted several requests by phone and also by Shellpoint 's website for a copy of my statement ending XX/XX/year> since my account was transferred to them. I am now missing my XXXX statement. The website only shows me a total due and not the breakdown of how my finance charges were calculated for the HELOC. After numerous attempts I still have not received any statement. I would like detailed monthly statements mailed to me like before I was transferred to Shellpoint as the loan servicer.
Product: Credit reporting

I HAVE DISPUTED CERTAIN ITEMS ON MY CREDIT REPORT WITH EXPERIAN. I WAS TOLD THAT THEY HAVE THE RIGHT TO THEIR OWN DECISIONS AND WHAT MAKE MY WORD ANY GOOD. I ASK HOW DID THEY VERIFY THE VALDIATE OF THE BILL AND WAS TOLD THAT THEY DONT HAVE TO TELL ME NOTHING WHEN I ASK FOR A SUPERVISOR I WAS TOLD THAT THE ALL SUPERVISORS WERE IN A ALL DAY MEETING AND WILL CALL ME BACK WHICH THEY HAVENT. I ASK THE AGENT ON THE PHONE HIS NAME AND ID NUMBER SO I CAN REFER THIS CALL BACK TO HIM I WAS TOLD IT IS AGAINST THE LAW TO GIVE ME THAT INFORMATION. EVERY TIME I CALL THIS COMPANY I GET DIFFERENT DATES WHEN THIS DEBT IS TO FALL OFF OF MY CREDIT. THIS BILL IS OVER 10 YEARS OLD AND I TOLD EXPERIAN THAT THE COMPANY IS FALSIFYING THE DATES SO THEY CAN CONTINUE TO STAY ON MY CREDIT. I WAS TOLD THAT IT IS NOTHING THAT CAN BE DONE. i TOLD THEM THIS COMPANY XXXX IS A FRAUD AND THEY KEEP SELLING THIS BILL TO EACH OTHER.
Product: Credit reporting or other personal consumer reports

ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts on my credit reports that I have been disputing for sometime now, at least for almost a year. I have reached out to all consumer reporting agencies requesting verification of debt, how did they verify the debts well as why are my accounts being re-aged. Out of all of the disputes Ive sent, I have only received a response back from one bureau and it was only in the months of XXXX and XXXX and I have been disputing these accounts since XXXXXXXX XXXX XXXX 

XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : Only response was from XXXX. Experian and XXXX failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : Only response was from XXXX. Experian and XXXX failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 It is my right as a consumer to dispute inaccurate information from my credit reports and at my request, any consume reporting agency must respond and acknowledge my dispute request as well as complete a proper investigation. All three bureaus, XXXX, XXXX and Experian is in violation of the credit laws by ignoring my disputes and I am demanding that these inaccurate accounts are deleted from my reports due t their negligence on following proper consumer regulations.
Product: Checking or savings account

I was using online Marcus bank for long time. I have deposited multiple times from other bank to Marcus without any issues. Issue starts when I move my money out. All sudden they see error and needs to speak with phone number XXXX and speak with multiple people and they just informed that for some reason they could not verify my phone number and couldn't able to help and created case number to investigate and will reach me out within 3-7 business days. I requested to speak with Supervisor, her name is XXXX and she is even more stubborn to provide more information. 
I spend about 50 mins on phone and she finally hang up phone. I never see any supervisor at this reputed bank does this kind of act. I would love for someone to hear all conversation and report her to higher up. she denied to transfer anyone else at higher lever and stated she is the only person that I can speak. 
Neither she provided my case number and willing to accept any other information like my ss number, account number, savings amount. 

This is not acceptable, Now I have to wait for 7 more days for my own money to transfer to another account to pay my unforeseen bills which I have to pay ASAP. 

I would really appreciate if you can able to have them release my money ASAP. I would never recommend anyone MARCUS BANK. I will put this review in local network and social media to spread. 

I am urging you to take some strong steps to MARCUS BANK to avoid any customer fraud and taking customer 's money and illegally hold to not fulfill promise to transfer out when needed. Since I am not only one who has same experience with this bank for same purpose. I trust CFPB to act on behalf of me for many people like me.
Product: Credit reporting or other personal consumer reports

has fraudulently reported and sold my personal information to credit reporting agencies and to LVNV Funding LLC. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose