23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am in an active bankruptcy, a senior citizen, XXXX, and lost three out of four jobs to COVID. I have help to pay my payments by a school and/or XXXX XXXX, but need a W-9 form filled out by my mortgage Company for me to turn in with my applications. I called on XX/XX/2020 and got hung up on several times with no resolution. I finally talked with an oversees representative who assured me that he would automatically send it to my e-mail immediately, as well as send me copy in the postage mail. I tried to contact them all day on XX/XX/2020, getting hung up on several times and told that there phone service is not working. No resolve on that date! Today, XX/XX/XXXX, I was told multiple times that they would check, placed on hold ( if I was not disconnected immediately upon calling ), then disconnected and multiple times just hung up on. I asked for supervisors, given a female at XXXX Extension # XXXX and XXXX at the same # Extension # XXXX. I was promised not to be disconnected by both, and a promise of a call back ( which did not happen by the first ). I was told that they would take another XXXX days in which they would decide if they were going to send it, it had to go through a review process first. This information is time sensitive as my help will disappear if I do not provide this W-9. I was told on the XXXX that it was sent E-mail, now told that they did not, and might not send it at all. I have checked with an attorney, who stated that it is illegal to withhold this W-9 as the IRS states this. I need this help, but can not get resolve, as they keep moving the date to a longer hold and outright refusing it. I have called 23 times in the last two days, gotten hung up on, disconnected and refused this paper. I need some help to obtain this!
Product: Debt collection

On XX/XX/XXXX, I filed a complaint here with CFPB because XXXX XXXX XXXX  ignored my notification by certified mail regarding the account they're reporting on my credit files. This account DOES NOT belong to me and I am a victim of identity theft. The company was provided my identification, FTC report, Police report number and more. The company has responded to my CFPB complaint that the " complaint doesn't belong to them. '' I am submitting another complaint with my credit profile information showing the name of this company, making their statement false. 

This company is not taking responsibility for the account, but their name is clearly on all three major credit bureau reports causing me financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year ( XXXX ), my income was temporarily affected by the COVID-19 pandemic. I immediately contacted ( by phone ) all of my creditors, including XXXX XXXX. XXXX  XXXX like the others gave me an additional period of time to recovery ( 60 days ), and ensured me that no negative references would be reported to the credit bureaus. I missed two payments in XXXX and XXXX ( as I did with all my other creditors ) and they reported me ( none of my other creditors reported me late, with the exception of XXXX XXXX ) and my score dropped 100 points. I immediately wrote them to protest their action, but to no effect. They deny their promise to me that was made and refuse to delete the negative reference on my credit report. 

I have not gone over 30 days on a payment to a creditor since XXXX. I have three mortgages and seven credit cards and take personal credit rating very seriously. Specifically with XXXX XXXX, i have had the account since XXXX, have a credit limit f {$20000.00} and and never gone over 30 days. 

When the COVID-19 pandemic first began and I contacted them, I was assured over the phone by one of their representatives that this would not happen and it did. 
I respectfully ask for your assistance to make an inquiry to XXXX XXXX on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently reviewed my credit report and saw an unknown issue. It appears to me that XXXX XXXX XXXX, a company we rented a cello for my daughter from a few years ago, has been charging me for cello rental even though the cello was returned in XX/XX/2016 and I have not once received a bill or been contacted regarding this since the cello was returned. Clearly, they sold this made up debt to a collection agency who has also never contacted me, yet it’s on my credit report as delinquent since XX/XX/2016. The response from XXXX has just been a photo of the months of the year with red dots indicating that I didn’t pay. I have not been able to reach anyone there as when i call I’m on eternal hold and eventually disconnected. The cello was picked up from XXXX XXXX XXXX XXXX from the receptionist. I will attach her email confirmation with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Tuesday, XXXX XXXX, XXXX, I attempted to put a freeze on my credit reports as urgently recommended by nearly everyone after the hacking of the XXXX. I was able to accomplish this easily in a few minutes online with XXXX and XXXX. 

TransUnion was a different story. An hour on their website was utterly useless. The process kept freezing up in the middle, and often it would not accept entries that met their criteria for those entries. I tried calling, filling out pages of confidential information repeatedly to have the line cut off as soon as I complete all the entered data. 

I can find not way to contact this company except that they say I can request a freeze by mail. But the site gives only an address to do that and no information what is required to do it or how long it will take. 

This is an urgent issue in light the hacking, and I am quit upset that a company for which I have no is allowed to hold my information without even permitting me to contact them for a freeze.
Product: Checking or savings account

I have a checking account with SOFI Technologies. My checking account and credit card was hacked and charges were made to both of these accounts that I did not authorize. SOFI is working on my credit card charges but they denied my claim on my checking ( debit ) account. I got XXXX dollars taken out of my checking account. The reason for these withdrawals was XXXX XXXX XXXX XXXX. I sent then my XXXX XXXX statement for the past year showing there was no activity in my account. This is proof that I wasn't responsible for my funds being taken. I repeatedly tried to contact SOFI regarding my claim but get no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has just recently completed a dispute for me and just what I thought would happen did. I am disputing the accounts for XXXX XXXX as they are reporting incorrect information. I DO NOT owe the amount that is being reported. I stated this in my dispute and I included my court documents as proof that the amount being reported is not correct. Experian wrote back and stated " This item was not changed as a result of our processing of your dispute. Please review your report for the details. It goes on to say under the two XXXX XXXX accounts Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). This item remained unchanged from our processing of your dispute in XX/XX/XXXX. How is that possible when there is a court document that I continue to forward to the company that states that I only owe {$1100.00} plus {$74.00}? What other documents does XXXX XXXX supply that would override the judgement of the courts? This also seems to be saying that Experian will no longer continue to look into the matter even though they have the PROOF that they requested to show that the information being reported is WRONG. This is my last attempt to fix this issue directly with Experian and if the XXXX XXXX accounts are not removed, I have already sought legal counsel with XXXX XXXX XXXX XXXX, my representative 's name is XXXX XXXX, her contact number is XXXX and her email is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX. XXXX, XXXX, USBANK add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : # DEPT OF ED/XXXX  Account number XXXX Account name : DEPT OF ED/XXXX  Account number : XXXX Account name DEPT OF ED/XXXX  Account number XXXX Account name DEPT OF ED/XXXX Account number XXXX Account name DEPT OF ED/XXXX  Account number XXXX Account name XXXX  XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 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

I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies. I was victim of Identity Theft, somebody stole my personal information to open credit cards. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Product: Debt collection

XXXX XXXX I responded to an email attempting to collect a debt from credit corp solutions. I requested more information on the debt. XXXX XXXX I still received nothing and requested the information again. XXXX XXXX still no response. I emailed stating if they did not respond by XXXX XXXX they were forfeiting the debt as I had asked numerous times for more information. XXXX XXXX they emailed again stating they were suing me. I did an online chat with the company and they sent me a link that did not answer all of my requested info, I informed them the info I requested wasnt on what they sent me, she stated I had to email XXXX XXXX XXXX  and ask again. I did so on XXXX XXXX and again no response.
Product: Credit reporting or other personal consumer reports

I have disputed an account through Transunion and they said they have investigated with the company, but this can not be correct, because this is not my account. I can not submit further evidence because I have no evidence since I never had this account. It appears to be an account transferred by XXXX which I think is security or doorbells. I have never had either of these products.
Product: Debt collection

SPRINGOAKCAP - XXXX - Failed to adhere to 12 CFR 1006.30 Other Prohibited Practices
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a negative report on multiple consumer credit files in regards to my payment history. I want my payment history to be removed from the consumer reports you have furnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is in response to your recent claim that that the below acccounts has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my Affidavit of Truth multiple times. Transunion has failed to respond. 

A Un-rebutted Affidavit STANDS AS TRUTH IN COURT. 

TRANSUNION has committed aggravated identity theft. TRANSUNION has committed fraud and has also committed more than 1000 violations under the FCRA. TRANSUNION is in violation of 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681i ( 5 ) ( A ) ( i ), 15 U.S. Code 1681n ( a ) ( 1 ) ( A ), 15 U.S. Code 1681o ( a ) ( 1 ), and 15 U.S. Code 1681n ( a ) ( 2 ) PROOF is attached TRANSUNION is now in default and agrees with the FACTS. 

I am XXXX XXXX and I am submitting this complaint myself AS THE CONSUMER NATURAL PERSON.
Product: Credit reporting, credit repair services, or other personal consumer reports

You as a credit reporting agency continually keep returning my disputes back as verified. How is this possible if by design they never actually conduct an adequate investigation? It is public knowledge that they simply verify the disputed items by using the XXXX system. According to the FCRA this is in no way an adequate for an investigation. I have over the course of three rounds of letters have sent demands of validation and verification to the creditors and collection companies. Since there has not been an investigation into these accounts I am DEMANDING an investigation into these accounts. I am aware of your business model you are in no way responsible for the wellbeing of the public nor do you care. You are simply a data collection company that conducts only b2b business, for the sole purpose of selling data to the highest bidder, and the integrity of that data be damned. There is no actual verifiable proof that these items are in fact mine. Under the UCC have you researched or attempted to compile any contract between me and the alleged creditor, I can give resound NO YOU HAVE NOT! I therefore DEMAND that you do a thorough investigation into these accounts as required by law.

Please Delete the following accounts.

1. XXXX XXXX XXXX credit record ( # XXXX ) 2. XXXX XXXX XXXX   credit record ( # XXXX ) 3. XXXX XXXX XXXX credit record ( # XXXX ) 4. XXXX XXXX XXXX credit record ( # XXXX ) 5. XXXX XXXX XXXX ) credit record ( # XXXX ) 6.  XXXX XXXX credit record ( # XXXX ) 7. XXXX XXXX XXXX account ( #  XXXX ) 8. XXXX account ( # XXXX ) 9.  XXXX XXXX credit record ( # XXXX )
Product: Mortgage

I received notice that I was going to be transferred to a new lender. At that point the lender told me I had 60 days to pay my mortgage. I received the information after calling about who the lender was what my new account number would be. The new lender acquired the loan after XX/XX/2016 although they told me my payment was due XX/XX/2016. I would like you to assist me with this matter. They say the mailed me my papers on XX/XX/2016, I have n't received them yet. They have n't contacted me and I have made contact with this company which the operator asked me before I could explain to her what was going on. Would I like to make a payment. I told her I want to see some paperwork before I give you anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify. if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX  XXXX {$670.00} XXXX/XXXX  XXXX {$810.00} XXXX   XXXX {$10000.00} XXXX/XXXX  XXXX {$610.00} XXXX  XXXX {$16000.00} XXXX  XXXX XXXX {$0.00} XXXX/XXXX  XXXX {$1500.00} XXXX XXXX {$890.00} XXXX XXXX  XXXX {$770.00} XXXX/XXXX XXXX {$1300.00} XXXX  XXXX  XXXX {$960.00} XXXX/XXXX  XXXX XXXX  XXXX {$1400.00} XXXX/XXXX  XXXX {$4000.00} XXXX/XXXX   XXXX {$2000.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. 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 USC Code 1681eb. 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 in to be removed.

They are not in compliance with the following law. 15 USC 1666b 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!

15 USC 1666b ( a ) Time to make payments A creditor may 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

To Whom it May Concern : My wife wrote a check to me for {$2000.00} ona starter check. I deposited the check via mobile banking. The funds were withdrawn from my wife 's account on XXXX/XXXX/XXXX. I received notification that a hold was placed on the deposit. Today, XXXX/XXXX/XXXX I called to find out the status of the deposit. XXXX at Bank of America, ID XXXX, told me, " There is only your name on the check, and an amount. We need to verify this check. We need to make sure its not going to come back for any reason. '' I asked, " You also have the payor 's name, my endorsement, the routing number, and account number. What needs to be verified? '' " The maker 's information. '' " You already took the money 5 days ago. You have the financial institutions name and numbers, what action can be taken to verify? '' " We will just wait until it clears by itself. Expect the funds on XXXX/XXXX/XXXX at XXXX. '' " No action can be taken, you basically gave yourself a loan for {$2000.00} for 10 days. '' " I will put in a request, but I ca n't guarantee that any action will be taken. '' This is totally unacceptable.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX XXXX XXXX regarding the inaccurate reporting on my credit report and the failure of the company to respond to my dispute attempts. 

Inaccurate Reporting : XXXX XXXX XXXX has reported my account as being 60 days late in XXXX XXXX 90 days late in XX/XX/year>, and 90 days late again in XX/XX/year>. This information is entirely false. I have consistently made all payments on time, and there is no legitimate basis for this late payment history to be on my report. 

Account Balance : Additionally, the account is showing a balance of {$6.00}, which is also incorrect. The account should reflect a {$0.00} balance, and I do not owe any outstanding amount to XXXX XXXX XXXX. 

Failure to Respond : I have made multiple attempts to contact XXXX XXXX XXXX by sending dispute letters to the address listed on my credit report, only for the letters to be returned as undeliverable or ignored without any response. The companys failure to address my dispute is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit card

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I received a call that showed up on my caller ID as USAA. 
( XXXX ). This wasnt USAA. This was somebody who spoofed their number making me believe it was USAA. I ended up losing XXXX dollars.
Product: Credit card

I am a victim of identity theft. Someone tried to open a credit card at US Bank. It was denied but a hard inquiry was made to my credit report. When I spoke with US Bank about the fraud, I asked them to please remove the hard inquiry from the credit bureau but they denied that request.
Product: Checking or savings account

This complaint is against Navy Federal and XXXX Resolutions. 
On XX/XX/2019 account was charged {$500.00} to pay for a service that I never received. It was authorized based on me receiving the service. However, I never received the service and the individual resigned the position as the director. Our company paid out the funds through XXXX which was tied to Navy Federal business account. The person got away of the amount of {$500.00} and when I made attempts to explain this to navy federal that we were out of {$500.00} without the service nor the funds they did not back nor support our company, XXXX of the XXXX XXXX, XXXX and refused to assist with a refund from XXXX XXXX who based on contract did not perform the duties of a director and not only that realized her incompetencies and resigned the position leaving us in a bind and he had to hire another individual to fulfill the role of the director,
Product: Checking or savings account

Valley National Banks XXXX, New Jersey branch violated my right to privacy on XX/XX/2919 when the balance in my overdraft account was announced in public with other people present! This was embarrassing!