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

TRANSUNION AND XXXX FAILED TO SEND AN UPDATE AFTER MORE THAN 30 DAYS. I SENT LETTERS ON XX/XX/22 INFORMING THEM OF UNAUTHORIZED INQUIRIES AND THEY IGNORED MY LETTERS AND CONTINUED TO REPORT THE INQUIRIES. I HAVE FILED A FTC COMPLAINT BECAUSE THESE WERE NOT AUTHORIZED BY ME. I WILL ATTACH THE LETTER AND FTC COMPLAINT. DELETE THE INQUIRIES THAT ARE LISTED IN THE LETTER FOR INACCURATE REPORTING AND BECAUSE YOU HAVE FAILED TO REPLY IN THE TIME ALOTTED. THE LETTERS WILL BE DATED AND TIME STAMPED FOR YOUR REFERENCE.
Product: Bank account or service

I stopped in the branch to check on auto loan options for my son. While I was there, I paid the debit balance in my BB & T checking account which had been closed. At the recommendation of the personal banker, I opened a money account based on the fact it did not have check writing and I could not go below XXXX. 
I told her this was the account I was going to pay my mortgage modification loan. She printed out a sheet with the routing number and account number to give to XXXX Mortgage. I made deposits to cover the amount of the loan and called XXXX around mid month to make the first payment. 
Everything seemed to work properly, unfortunately a letter came almost 7 business days later telling me the payment was not accepted because I provided incorrect bank information. 
During this time I also noticed other quarks, such as not be able to fill up at the pump without going in and having the attendant process my request. 

I went back to BB & T, showed them the letter from XXXX. I had XXXX people confirm the account information and there should be no other problems. I went home on XXXX XXXX and called XXXX to make the payment. Again, no red flags, until the letter from XXXX arrived stating the information was invalid, I did not make the payment on time, and they rescinded my modification offer. 

I went back to the BB & T branch with the XXXX letter. It took several phone calls to find out this money account does n't recognize XXXX party ACH payments even if the money is XXXX XXXX in the branch knew about this restriction. I had the personal banker write a letter to XXXX on BB & T letterhead stating I was not aware of this feature. 

I called XXXX and submitted letter from BB & T for consideration of extending the modification offer. They said they did n't care. The money was not paid is all they were concerned about. Then they fast tracked the foreclosure of my home. 

Just yesterday I found out another feature of this account not told to me, I can only deposit cash or another BB & T check into this money account. Again, something I could have been pointed out to me.
Product: Debt collection

XXXX XXXX XXXX claims I owe the amount of XXXX to XXXX, this policy was supposed to be canceled on the date specified, several months ago, via a phone rep,. It appears that rep did not cancel as per my request and coverage remained. This is not my error and refuse to pay. Please advise CCS to cease collection efforts and remove account from credit file, if reported. I attempted to resolve this directly with CCS, reps referred me to XXXX and or requested payment which they will not see.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted them several times concerning this matter and they keep stating that they have updated the information but they only keep changing the dates on my credit file. i have requested the public records bankruptcy be removed. the credit reporting agency has not removed this incorrect information reporting on my credit report.
Product: Credit reporting or other personal consumer reports

I have paid off all my creditors but there are 3 items that are inaccurately on my report that needs to be taken off. I have never had a Title Loan and I have asked repeatedly to show me the Original Loan Agreement with my signature and they could not. They told me they would take it off and still have not. There is a Doctor visit bill for XXXX XXXX I know nothing about either. I have asked for the Original Bill with signature and still showing inaccurate information effecting my credit score. There is a Citi Bank Freud as well that they will not let me take off even though it is not mine due to their policy of Freud. I have asked for Original Bill with my signature and they do not respond. My Credit Report needs to be corrected. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I had opened an Wells Fargo secured credit card and I had issues financially to pay this account down and they closed my account for no reason and had this debt on my credit for several years I called Wells Fargo to settle this account and however the representative used a communication tactic to settle the debt stating that I was going to pay 60 percent of the balance and he stated that he will forgive 60 percent off the balance and each and every representative I spoke with treated in an unacceptable manner and stated that I lied and that it was noted that I will pay that amount
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute regarding a bankruptcy reported on my credit to Transunion and asked them to show me were it is verified. they have written me a letter stating that they investigated it and it has been verified as accurate but they have failed to provide me with any sources of verification. I have attached the letter that I sent to them in regards to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

SEE ATTACHED LETTERS In accordance with the Fair Credit Reporting Act the following reporting Agencies : EQUIFAX Information Services, XXXX, XXXX and XXXX, XXXX have violated my rights. 

15 U.S.C. 1681 Section 602a States : ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : 15 U.S.C. 1681 Section 602a ( 4 ). There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 

15 U.S. Code 1681b 604- Permissible purposes of consumer reports.

15 U.S. Code 1681b 604 ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. 
Pertaining to the word Accuracy : the information being providing is inaccurate. 

Fairness and consumers right to privacy : EQUIFAX Information Services, LLC, XXXX and XXXX, XXXX are a For Profit Organization/Corporation/Agency that is providing private and inaccurate information that is tarnishing my reputation and is costing me opportunities. 

I did not give EQUIFAX Information Services, XXXX, XXXX and XXXX, XXXX or its affiliates written instructions to furnish private information. 

Both together and separately my consumer and privacy rights are being violated.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following inaccurate information on my credit report. Under 15 U.S. Code 1681e ( b ), collections must be 100 % accurate across all three credit bureaus. The information I am disputing is as follows : You have failed to respond to any of my disputes that were mailed out this year and I mean any of them. 

XXXX  - XXXX - As directed by the FCRA, I am expecting written notification of the outcomes of your investigation, inclusive of any removals or amendments to my report arising from this dispute as stipulated under 15 U.S.C. 1681i ( a ) ( 6 ) ( A ). I would also appreciate an updated copy of my report that reflects these changes, I kindly request the immediate removal of any erroneous or unsupported material from this page, as it gravely deviates from the expected standards and undermines the integrity of the information presented. 

XXXX - XXXX - As directed by the FCRA, I am expecting written notification of the outcomes of your investigation, inclusive of any removals or amendments to my report arising from this dispute as stipulated under 15 U.S.C. 1681i ( a ) ( 6 ) ( A ). I would also appreciate an updated copy of my report that reflects these changes, I kindly request the immediate removal of any erroneous or unsupported material from this page, as it gravely deviates from the expected standards and undermines the integrity of the information presented. 

XXXX XXXX - XXXX - As directed by the FCRA, I am expecting written notification of the outcomes of your investigation, inclusive of any removals or amendments to my report arising from this dispute as stipulated under 15 U.S.C. 1681i ( a ) ( 6 ) ( A ). I would also appreciate an updated copy of my report that reflects these changes, I kindly request the immediate removal of any erroneous or unsupported material from this page, as it gravely deviates from the expected standards and undermines the integrity of the information presented. - I have previously requested that you investigate this information, and you have failed to rectify the errors present in my credit report. This is not the appropriate time for an update ; I demand that you promptly DELETE this inaccurate information from my credit report. 

XXXX - XXXX - Please verify. - I do not recognize this at all - please remove this inaccuracy as I do not believe it even belongs to me I request validation of this debt under 15 U.S. Code 1692g - Validation of debts. If the information is not provided or the false reporting is not removed, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D. XXXX. XX/XX/XXXX ), you may be liable for willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

Please investigate this matter and correct the inaccurate information at the earliest. I have attached copies of my credit report with the disputed items highlighted for your reference. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, Texas XXXX XXXX : XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I have a XXXX XXXX recently issued by Comenity Bank ( it was previously issued by XXXX XXXX XXXXXXXX and I never had an issue with it ). I sent them a scheduled payment in the amount of {$86.00} on XX/XX/2023. I was notified at a later date ( the XXXX XXXX XXXXXXXX ) that I had not made my payment and I contacted them on XXXX occasions to let them know I had sent the check. I was asked to wait a few more days and see if it cleared. When it didn't, I contacted them again and said I would make the following month 's payment, due in XXXX, to include what had been due in XXXX. I was told that the late fee would be waived, and I proceeded to cancel the check with my bank ( at a cost of {$30.00} ) that appeared to be lost. I then sent the bill I received for the amount due in XXXX ( they didn't waive the late fee for XXXX, they left it in the bill ) in the amount of XXXX via certified mail to make sure it arrived. On the same date I mailed my IRS due payment and my XXXX card payment. Both of those have since cleared my account. Not the Comenity payment, however. I have proof from the US Postal Service that it was delivered on Monday, the XXXX XXXX XXXXXXXX at their XXXX XXXX XXXX XXXX, TX. I called XXXX yesterday, the XXXX, and they said it hasn't posted and they would file a dispute. I want this resolved so that I can close my account with them and cut up the credit card. I have a credit rating of XXXX and several credit cards that I have been paying in full, on time, for many years. I don't know what Comenity 's problem is, but I don't want my credit effected.
Product: Mortgage

I am a resident of the state of Alabama. When the hurricane hit my state, I along with my husband experienced severe losses that will take time to recapture from insurance and hurricane relief. We can not make mortgage payments on one of our properties until it is 100 % repaired and livable. Therefore, we with to make our bank aware of this situation, and for them to send to our home by mail, as well as to our email address a complete modification package. Me and my husband should have our affairs in order no later than XX/XX/2019. There may be additional relief from the Government, that will take time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM of ID theft I have several fraudulent addresses on my file that are not mine please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following phone numbers are not mine please delete the following : ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) 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: Mortgage

Filed on : XX/XX/XXXX Filed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX Filed against : Mr. Cooper XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Complaint Description : ***XXXX XXXX   account # XXXX, acquired my mortgage on XX/XX/XXXX. Mr. Cooper Mortgage account # XXXX, acquired my mortgage on XX/XX/XXXX. Less than thirty ( 30 ) days notice from either party. *** Mr. Cooper acquired my mortgage on XX/XX/XXXX. They are expecting the payment for XX/XX/XXXX which was made to my previous lender. Mr. Cooper ( XXXX XXXX XXXX, XXXX TX XXXX ) acquired my mortgage on XX/XX/XXXX from XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX TX XXXX ). Mr. Cooper is expecting payment for XX/XX/XXXX which was made to my previous lender ( XXXX  ), payment via US mail on XX/XX/XXXX. Mr. Cooper has made at least eight ( 8 ) emails, a dozen ( 12 ) calls to my cell phone, and today called my employer 's Human Resource Department. I spoke to Mr. Cooper today after they called my employer. Mr. Cooper said that I have a sixty ( 60 ) day grace period for payments made to the previous lender to be transferred. Yet I am being harassed. These are illegal collection calls. I want the collection calls to cease and my credit report to not reflect any late payments. Mr. Cooper is not due a true payment from me until XX/XX/XXXX as payment was made to XXXX for XX/XX/XXXX.
Product: Bank account or service

A check from the XXXX XXXX XXXX XXXX through JPMorgan Chase Bank out of XXXX New York cashed a check payable to me that was stolen. I 've contacted the bank but was given the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is illegally on my credit report I have not supplied proof under the doctrine of estopped by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists
Product: Debt collection

I received a notice that I allegedly owe {$1000.00} in credit card debt to Navy Federal Credit Union. I messaged the company stating that I am the original creditor and will and do not own any alleged debt. I told the company I will not pay towards a positive balance they claim I owe. The company responded that my account will be closing on XX/XX/XXXX as a result of monthly XXXX soft inquiries and that I " no longer meet the requirements '' to keep my account open due to the inquiries from XXXX. I have not provided Navy federal with any written or verbal permission to share information with anyone pertaining to any of my information. According to XXXX, XXXX, XXXX, and XXXX, Navy Federal Credit Union has shared my personal information will all of them. The debt is not validated. 

The company has violated my consumer rights pursuant to 15 USC 1692c ( a ), I have not given the company to communicate with me in connection with any debt. Pursuant to 15 USC 1692c ( b ) the company violated my consumer right by communicating with XXXX, XXXX, XXXX, and has communicated with XXXX on a month basis since the account was opened in XXXX. The company has used criminal means to harm my reputation as a consumer pursuant to 15 USC 1692d ( 1 ). The company uses a false and misleading amount, the alleged debt is in a positive amount pursuant to 15 USC 1692e ( 2 ) ( A ). How can someone owe in a positive amount? The company is in violation of collecting any amount unless permitted by law pursuant to 15 USC 1692f ( 1 ). Pursuant to 15 USC 1692g ( c ) the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX i requested a method of verification with Transunion for the following inaccurate, unverifiable, obsolete account XXXX XXXX XXXX # XXXX they failed to verify it, this is a violation. I am extremely sad and stressed. XXXX XXXX XXXX of 1974 - XXXX XXXX XXXX section XXXX. This law applies to the access to, and disclosure of, records of individuals held by federal executive and regulatory agencies. It requires such agencies, with some exemptions, to limit disclosure, provide access to the individual, and to apply basic Fair Information Practice Principles to such records containing the personal information of individual U.S. citizens and legal alien residents. 
A prevailing plaintiff may recover the costs of the action plus the greater of ( 1 ) statutory damages of {$1000.00} for each act of unauthorized inspection or disclosure or ( 2 ) the sum of actual damages plus, in the case of a willful inspection or disclosure, or an inspection or disclosure resulting from gross negligence, punitive damages. I.R.C. 7431 ( c ). 
I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX  XXXX showing on your credit report. 
I therefore request that you remove immediately this XXXX from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Vehicle loan or lease

XX/XX/XXXX I was in a terrible accident and I could n't make my car note payment which is actually to high and I have repeatedly attempted to get SunTrust Bank to lower my payment in order to avoid any financial issues with the bank. I have called them in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX if I am not mistaken. Each time I have asked for a lower payment schedule only to be denied for several reasons. I am a XXXX XXXX XXXX with a limited income and at the time of the loan payment I was working at XXXX. However, I am no longer with XXXX and need to have my loan interest rate lowered, and the monthly payment as well to ensure that I can not only pay for the vehicle but not continue to have their debt collectors, and repossession office calling me leaving messages. My car payment stands at {$380.00} with an interest rate of 6.84 % which if could be lowered I would n't have any issues with keeping my payments current and up-to-date. Today,XX/XX/XXXX, I was speaking with one of their collectors XXXX he would n't give me his last name but his # id number is XXXX. I stated to him that I was in a hit/run accident and was just recovering from the entire situation and that I would be able to make a full payment this week Friday, XX/XX/XXXX and he because hostile, rude, disrespectful in nature, and completely unprofessional to understand my current situation and my desire to make a payment arrangement and told me that SunTrust was n't interested in my making a payment unless it was a complete payment of XXXX to bring the account current from the previous 3 months which was due to the accident and lost of income. I even offered to have them speak with my attorneys who are going to settlement with the lawsuit for the accident. XXXX, the SunTrust employee refused to listen, became even more aggressive and did n't think before he spoke. This is unacceptable behavior from a bank and I want SunTrust Bank to deal with my situation with professionalism and their employee with appropriate actions. The number I called was XXXX Debt Collection The number for the bank itself I called XXXX Thank you
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 1 XXXX XXXX Account Number : XXXX experian XXXX XXXX & XXXX Account number XXXX