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

Transaction ID : XXXX This purchase was made with a company XXXX  therefore I was entitled to a PROVISIONAL CREDIT WITHIN 10 DAYS WHICH as you can see from the uploads they are wanting me to wait until XXXX.
Product: Credit card

Recently my available credit limit was {$400.00}. Due to the recent heat wave, I was waiting until the weekend for a sale to purchase an air conditioner for my elderly mother whose central air conditioner has ceased working. As I was in route to Home Depot, I contacted the credit department to ask for an increase since I may have needed additional funding to cover the purchase. I felt extremely confident in this request since previously Home Depot credit department has constantly harassed me with numerous phone calls even when I made payment arrangements to make payments that were financially impossible to do, I made them anyway. During the phone call I was told that my available credit was decreased and that I would be receiving a letter in the mail shortly explaining that it was due to my credit score and not with making my payments as I was told to. This situation was unwarranted since I made my payments when Home Depot requested and I thought that that was the reason why I had {$400.00} available credit.
Product: Debt collection

I signed on for automatic payments of my mortgage from my bank account, a practice active for many months. 
Then 3 weeks ago my XXXX account was the target of fraud. On the advise of XXXX, we ended that account and created a new one. I immediately notified Sterling National and updated my account info on their website. 
I was told the update was done. Today I received a letter of delinquency from Sterling and was presented with two choices after waiting on the phone for 45 mins ; either use XXXX XXXX and incur more fees, or have my credit score hurt by a non payment in the era of corona virus. 
I was told the bank had decided an update in payment info would take 1-2 months and I had no choice in the matter no matter what i did and when. 
I find that to be an outrageous abuse of my rights. What would you think in my place?
Product: Checking or savings account

When I went to make a check card purchase on XX/XX/XXXX at XXXX XXXX my debit card was declined even thought I had adequate money in my checking account with Suntrust.   After calling Suntrust I was made aware that my card was blocked and canceled in which I was issued a new card due to a dispute I made with Suntrust on a particular charge.  I wish they would have made a better effort to let me know this but nonetheless no issue I waited on my new card.  I started calling all of my auto draft accounts that were linked to the old card that was blocked and canceled to change payment method...  I only came to find out that on XX/XX/XXXX and XX/XX/XXXX they processed all of these transactions even though the only access to my checking account was thru my bank debit card which was blocked and canceled.  Now some of my auto drafts did not get processed but the ones that did cause a massive overdraft situation with a total of $XXXX in overdraft with 15 overdraft charges.  I called my branch on XXXX XXXX XXXX in XXXX and she said even though my card was blocked they still had access to my checking account...  This makes absolutely no sense since these merchants did not have my routing number or account number and only had my debit card numbers which if I would try to use would be declined.  I am looking for relief from the ridiculous $XXXX of overdraft charges to be credited back to my account.
Product: Credit reporting or other personal consumer reports

Different companies reporting fraudulent inaccurate information on my credit report Ive requested they provide the purchase agreements to show full ownership of such account that belongs to me
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). I am a victim of a data breach, and unauthorized activity has appeared on my credit report. 
The fraudulent accounts and inquiries I request to be removed are as follows : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

On or around XX/XX/2021, I noticed an account was opened at XXXX under my name and identity. The account was open fraudulently. I went to XXXX and notified them, did a police report, filed an FTC Identity Theft complaint, and placed a fraud alert on each of the 3 credit bureaus. Ever since XX/XX/2021, I have been going to XXXX and letting them know of the issue, asking for their help in resolving the problem. On XX/XX/XXXX, I sent a formal letter to XXXX on the matter, and provided copies of my SS, Driver 's License, FTC Complaint. As of today, nothing has been resolved, and the account still shows up under my name and in my credit files. XXXX has never contacted me back on the matter.
Product: Mortgage

I have been forced into foreclosure due to unwillingness of my lender, Ocwen Financial to modify my loan. I was only two months behind on my rent and was not allowed to make payments due that everything had to go through a relationship counselor by appointment only. The past due amount kept getting pushed higher and higher, and in spite of my attempts to catch up and communication with anyone in customer service ( XXXX % of whom are non-english or broken english speakers ) communication was EXTREMELY difficult. Each person disseminated different information. I was bombarded with paper work that i could n't understand. I am now 11 months overdue and am selling my house to resolve the matter! All this could have been avoided if there was willingness to work together and communicate. Even though I was laid off 6 years ago from my job and have been working XXXX-XXXX jobs to make up the income -- there was NO willingness from them to modify AT ALL. I have XXXX kids to feed and provide for -- I 'm done fighting for my home and not sure what the future holds for us!!!
Product: Credit reporting or other personal consumer reports

RE : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. 

XXXX XXXX XXXX XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XXXX XXXX XXXX XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XXXX XXXX XXXX XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported oXXXX XXXX XXXX XXXX XXXX  Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XXXX XXXX XXXX XXXX  Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XXXX XXXX XXXX XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Debt collection

XXXX. {$290.00}. Included in filing of Chapter XXXX Bankruptcy. Unsecured debt discharged XX/XX/2016.
Product: Mortgage

I am currently trying to complete the loan modification process with PennyMac Loan Services and upon submission of a completed packet on XX/XX/year>, I followed up with the company and was told that my loan modification was denied due to the upcoming foreclosure sale date and because my packet was incomplete ( which is not true ) I submitted every document required for a completed packet. I was placed on hold while the representative checked into my account and they came back and asked about my income. I informed them about an upcoming job that I was about to start and so I was told as the final answer to my denial was because my new job income wouldnt be enough to cover the payments or reinstate the loan. Moving to today, XX/XX/year> I called them again to follow up about the modification and was told that my modification was denied because of the sale date and packet but this representative did not say anything about my income being a reason for denial. So what I see is that I am receiving confusing information and getting the run around with this company with something that is very serious for myself and my family. I would greatly appreciate if this matter is looked into swiftly as I am under a short amount of time for the foreclose that is about to happen.
Product: Credit reporting or other personal consumer reports

In my dispute letter, I, XXXX XXXX, am addressing multiple violations of the Fair Credit Reporting Act ( FCRA ) that have occurred and requesting immediate action to resolve these issues. The violations include : FCRA XXXX XXXX - Civil Liability for Willful Noncompliance : I am alleging that the credit reporting agency failed to verify the accuracy of credit information before accepting it, which is a clear violation. Under this section, noncompliance can result in civil liability of up to {$1000.00} per violation. 

FCRA Section XXXX ( d ) ( XXXX ) ( A ) - XXXX of XXXX XXXX : The credit reporting agency failed to inform me of my right to opt out of sharing my personal information. This omission is misleading and violates my rights under the FCRA. 

FCRA XXXX XXXX ( a ) ( XXXX ) - Furnishing Inaccurate Information : The agency is accused of reporting inaccurate inquiries and accounts without proper validation, which violates Generally XXXX XXXX XXXX  ( GAAP ) and is deceptive. 

XXXX XXXX Practices XXXX Violations : Several debt XXXX are engaging in unfair practices by reporting inaccurate debts and accounts without my consent. This has caused unnecessary distress and harassment from creditors. 

Violation of Acquiring XXXX XXXX Regulations : Debt XXXX contacted third parties with my information, which is prohibited by regulations concerning the disclosure of debt information. 

Inaccurate Late Payments Reporting : The XXXX XXXX XXXX listed late payments on my report without clear definitions, making it deceptive and inaccurate. 

Failure to Determine Accurate Finance Charges : The agency has failed to accurately calculate finance charges, which is their responsibility. 

Unauthorized Reporting : My credit report contains information that was reported without my consent, violating the permissible purposes outlined in the FCRA. 

I am requesting the immediate removal of incorrect addresses, updates to late payments, and the validation of various debts, as required under XXXX XXXX XXXX XXXX. This includes providing proof of the debts, such as the original contract, notarized agreements, and evidence of permission to collect. If the debt XXXX can not validate these debts, I am demanding the removal of these items from my credit report. 

Additionally, I am requesting the removal of unauthorized hard inquiries as they were made without my consent, which is in violation of XXXX XXXX XXXX ( a ) ( XXXX ) and XXXX XXXX XXXX regarding the block of fraudulent information. 

I expect these violations to be corrected within the required timeframes, as outlined by the law, and will pursue further legal actions if they are not addressed promptly.
Product: Student loan

I want to help my son to be the first to go to college but I ca n't afford it. But with the encouragement of the representative/recruiter from the school, I was told I can take a Parent Plus Loan for my son not realizing the loan is solely on me. I was made to believe it will be on my son 's name. After graduating he had a difficult time finding a job so we requested to have a deferment. We have used all the deferment limit and now the loan is due. The loan was serviced by XXXX. The monthly due is over {$600.00}. I called XXXX to find a way to lower the monthly payment and I was given a website for NAVIENT and the company can consolidate my loans and lower the monthly. 
I called NAVIENT and was instructed to fill up the application on the NAVIENT website for the income driven loan. I did as instructed and the site required proof of income so I attached my 2015 XXXX. I got a response back but the monthly payment is higher than it is with XXXX. I called to confirm and I was told it 's because of my income and I have no dependents. I explained that for 2015, financial hardship forced me to take out my 401K and that is why it gross income is like that and I also made an error on the dependent information. 
I spoke to a representative named XXXX and he gave me a calculation that based on the information I gave him the monthly should be around {$300.00}, he told me to fax XXXX copies of my paystub. 
And he would update my files. I did as I was asked and days later I received a letter showing my monthly payment would be well over {$700.00} a month. 
I called again and I explained to the representative that the reason I applied with NAVIENT is the hope that I can lower my payments. He said there is nothing he can do to lower it. I told him to forget it and I will just deal with XXXX. He proceeded to say that the loan has been consolidated and XXXX has been paid and there is no way to undo it. 
I was livid and he said it helps me because now I can get a deferment again. This is outrageous!!! 
This is preying on people like me who wants to pay their obligation but the system they created only increases our debt. 
This puts me in a deeper hole because I certainly could not afford to make the minimum payments, this will ruin my credit and affect my future job opportunity. This puts me in more debt and in the verge of bankruptcy. And risk getting embarrassed at work when NAVIENT garnishes my check. 
I have been stressing out over this I hope something can be done. I have another son that will go to college in 2 years and I wo n't be able to help him pursue higher education because of this. 
Please help.
Product: Checking or savings account

I reported couple of unauthorized charges on my account ; XX/XX/XXXX XXXX TCF Free Checking ( XXXX ) {$32.00} XX/XX/XXXX XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$8.00} XX/XX/XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$7.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$40.00} XX/XX/XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$47.00} XX/XX/XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$11.00} XX/XX/XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$7.00} XX/XX/XXXX XXXX XXXX - XXXX TCF Free Checking ( XXXX ) {$5.00} XX/XX/XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$9.00} XX/XX/XXXX XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$24.00} XX/XX/XXXX XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$2000.00} XX/XX/XXXX XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$19.00} XX/XX/XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$32.00} and TCF rejected my unauthorized charge claim because they said that there were other charges on the card that were not disputed after the unauthorized charges. I don't understand I reported the card lost and the unauthorized charges as well.
Product: Debt collection

XX/XX/ received odd phone call from *restricted* number stating I had a pending court hearing with XXXX County on XX/XX/ @ XXXX and they were wondering why I hadn't responded to papers that I was attending the hearing. When I asked for information they provided only the agency who supposedly filed the dispute XXXX ( XXXX ) XXXX and a file number of XXXX. 

XX/XX/ I contacted XXXX  ( XXXX XXXX XXXX ) and spoke with XXXX XXXX at XXXX. XXXX. I requested verification of the debt along with the original account number. XXXX informed he was not required to provide any verification of the debt via mail or any other type of medium. He couldn't provide any additional information about debt but then generated a quick email about debt verification. He told me the original creditor and the agency that had the debt previously -- XXXX. The dollar amount of the debt was {$720.00}. I offered to settle the debt for {$500.00} on the spot and he countered with {$580.00}. I requested to talk to the original creditor and also XXXX to validate everything. He said ok and to give a call back. 

XX/XX/ I contacted original credit card vendor XXXX and they provided phone number for XXXX whom they sold the debt to. Contacted XXXX and spoke with XXXX. Told her about the phone calls and was seeking verification of the debt and next steps. She offered to take payment immediately on the phone of {$500.00} and to contact XXXX and pull the account back and mark as closed. I received a confirmation and approval email letter after submitting the {$500.00} payment. 

XX/XX/ received phone call from XXXX at XXXX. Told XXXX that the debt has been settled with XXXX. He was irate telling me I had no right to work with XXXX and then hung up on me. 

XX/XX/XXXX received second phone call from XXXX at XXXX. Message stated that " 2-3 weeks ago he mailed me documentation of the debt and verification but that I refused to sign for the documents or never responded '' he went on to say " if I refuse to contact him by XXXX on that he would presume I am refusing to cooperate and he would begin preliminary actions against ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score has been lowered from the XXXX 's to the XXXX 's due a reported debt of {$260.00} by Action Collection Service, XXXX XXXX XXXX XXXX XXXX, ID XXXX. This debt was reported to XXXX in XXXX of XXXX. I have spoken and written to the agency, letter dated XXXX/XXXX/XXXX, their case # XXXX, and have not received a reply. XXXX refuses to remove the negative report. 
Prior to learning about the lower credit score, I have never had any contact either written or oral with Action or the Company it represents. Why then has my credit been damaged?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are reporting incorrectly that I was late in XXXX, XXXX, XXXX, XXXX and XXXX, XXXX on the XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes. ) I was dealing with significant health issues and contacted XXXX XXXX  and spoke to an account manager and they agreed to lower my APR to 4 % and set-up my monthly payments on auto-pay. ( I have also attached statements for XXXX, XXXX and XXXX for reference. ) We negotiated this payment plan starting in XXXX. I had never missed any payments. I was told that with this payment agreement, no lates would be applied to my account. Unfortunately, XXXX XXXX  did not honor our agreement and continued to report this account late. This false reporting of lates is seriously harming my credit score and these line items need to be removed and/or updated to report no late payments. I have contacted XXXX XXXX  as well as the bureaus to fix my credit report however, I have not been successful.