23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX Account Ending in XXXX Balance : {$0.00} Date open : XX/XX/XXXX This is a formal complaint against Equifax, XXXX, and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

I have disputed this account since the last year of XXXX and I keep getting the same response from the creditors and credit bureaus telling me that the reporting of this account is accurate. Well I say that their claim is disputed and denied, I received a letter from the creditor stating the exact date that this account was opened and it was on XX/XX/XXXX. However, it is reporting inconsistently in XXXX and Equifax, it reporting XX/XX/XXXX, in these two bureaus. I have attached the letter from the creditor for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to show XXXX XXXX, an authorized user account that was already paid in full and closed by my husband 2 months ago, affecting my credit score. XXXX is not showing this account anymore after I made a complaint, Equifax refused to do so and still reporting this account as an open account.
Product: Debt collection

They called me claiming to be collecting a debt, which is non-existent, to Wells Fargo. She threatened to file suit if I didn't pay $ XXXX right then. XXXX at XXXX was her name. She contacted my estranged sister, a previous employer, said they mailed me documents 45 days prior. Threatened criminal charges and liens against my car, repossession of my car, and garnishment of my wages. She was vicious and aggressive. Claimed to be with XXXX XXXX XXXX XXXX. XXXX XXXX was who XXXX XXXX is with. She gave me a case number. Her number is XXXX. It's a scam!!! No legal action is pending against me. Vulnerable people might fall for it. She said they had hired a detective to follow me. She knew my social, phone, address, birth date, email, employers, relatives.
Product: Debt collection

Velocity investment located in NJ, has been collecting on XXXX prior debts, XXXX of them has been paid in full, the second is in monthly payments. No letters or communications have been sent to me to remove the first account from my credit report, I was promised emails to confirm the payoff, nothing was received. Now I have other so called debt collectors contacting me about some obscure debts. I do not know if Velocity has shared my information, or what has happened. I am considering asking my bank to recuperate the funds I have paid.
Product: Mortgage

I made my XXXX payment of XXXX to M and T Bank. My bank accidentally keyed the payment in at XXXX but soon corrrected it to XXXX ; my account was definitely debited. This week I received a statement claimimg that the XXXX payment was not made. I reported this problem to M and T bank and gave their corporate counsel a copy of the canceled check. They have been " researching '' the problem for several days. I am very concerned as they have a bad reputation
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 XXXX. 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX 2016 I was offered a job position, and they had to do a credit check that i had to pay XXXX for. I was denied the job because during my check it came back that my social security number belonged to someone else. After finally getting in touch with someone from XXXX they explained that possibly one of the credit agencies entered my social security number in wrong. I recieved my free reports from each agency, and there was an incorrect address on my equifax report for someone in Ohio. After sending in identification to prove that i am me, equifax told me the error is corrected. So i disputed this with the company that was checking my credit background for the job and once again i was denied the job because it said my social security number belongs to someone else
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX DOB XX/XX/XXXX SSN XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX Last reported XX/XX/XXXX {$5800.00} Reported balance XXXX XXXX XXXX Last reported XX/XX/XXXX {$3100.00} Reported balance XXXX XXXX DOB XX/XX/XXXX SSN XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, student loan account opened at DEPT OF EDXXXX on XX/XX/XXXX under the account number XXXX,, a student loan account opened at DEPT OF EDXXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XXXX XXXX account number XXXX,, a personal loan account opened at XXXX XXXX on XXXX the account number XXXX XXXX XXXX credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a bankruptcy account opened at XXXX XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under reference account number XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB Complaint regarding the removal of the fraudulent accounts and information that the Credit Bureaus report on my Credit File . It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. My information has been exposed in the XXXX data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. If the Credit Bureaus choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Once again, I need the Credit Bureaus to remove the following accounts and information completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Tried to book a flight with XXXX XXXX, upon booking I received a notification if I sign up for an XXXX promotion Credit Card, I would be entitled to a {$200.00} discount. Thinking this would be acceptable due to the promotion ad, I signed up. Upon notification I was approved, the discount was never applied therefore I paid full price. In addition, I was supposedly expected to click a travel number to access although this was not clear nor present when applying. When my wife called, she was explained that since this option was n't clicked, we must wait for it in the mail and ca n't be given over the phone which is completely ridiculous since they can verify the information I just provided. 

I would never have chosen Delta without that discount as I have a family emergency to attend to and at this point I thought I would be able to resolve with the XXXX customer service. After 7 calls between my wife and I to cancel the card since it was moot, we were passed around and hung up on each time besides the last, which the department I needed already closed. The customer service department repeatedly asked us to explain the situation, which took about 3 minutes, then said we could n't help you and new accounts would. If the situation was handled properly we would have been able to communicate our concerns with new accounts prior to there closing. After 7 phone calls, the situation was so frustrating we asked for a Manager to speak to. We were given XXXX, who was quite unhelpful and disrespectful. I advised the associate on the spelling of my name, XXXX, several times but she decided to call me XXXX XXXX which after I corrected her, she still continued to call me by that name. This transacation clearly violates UDAAP and validates XXXX is predatory, stating they can do one thing while they clearly could not. 

All I wanted tonight was to cancel my credit card and ensure it did n't affect my credit since I we did this under false pretenses and within 20 minutes of the application. After delaying this request through transferring and hanging up, it surely was a tactic to ensure that my credit and their fee would be affected. 

They recorded each call of mine, therefore should there be a dispute of this. XXXX, the " supervisor '' of " customer service '' stated they ca n't review the calls. A decent debt collection/customer service company should have a quality assurance/compliance dept. that examines this but above exemplifies they do not value this aspect of business or their customers.
Product: Checking or savings account

My Bank of America checking was hacked. 

Victim of the Bank of America, XXXX scam Over {$1000.00} was taken from my checking account even though supplement E says bank will refund any money taken with this scam
Product: Credit reporting or other personal consumer reports

Experian has failed to properly investigate or show proof that they verified this account and that it is accurate and complete. The first credit cooperation account on my credit report XXXX is reporting in accurately and clearly violates FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX  XXXX XXXX Balance Owed : {$190.00} ; XXXX  XXXX  XXXX Balance Owed : {$170.00} ; XXXX/XXXX  XXXX Balance Owed : {$630.00} ; XXXX  XXXX XXXX Balance Owed : {$95.00} ; XXXX  XXXX XXXX Balance Owed : {$21000.00}
Product: Mortgage

In XXXX my mortgage servicing was sold to US Bank from XXXX XXXX XXXX. All 3 servicers paid taxes and insurance and they hit me for escorw shortage. They reimbursed me for property taxes but no one knew what happended to insurance. US Bank treated me like someone that did not pay the mortgage and made me apply for a modification. The law form for US Bank gave me 3 days to pay shortage. I got legal council at this point. US Bank sent me an addendum, two sheets, and stated they had " Found Funds '' and they never clarified what those funds were. This sum was XXXX. My mortgage was XXXX and now the mortgage was up to XXXX. The addendum was never returned signed by US Bank. It was never recorded with the Circuit Courts.  I received unsigned addendums from US Bank when I requested a copy of the executed addendum. The one I received was one that was clearly a cut and paste. I requested it again and received a copy singed by US Bank dated XXXX. This is not the one I had signed although same language from XXXX and no itemize for the " Found Funds ''. In XXXX US Bank sold my mortgage and addendum showed up with a copy of addendum recorded in XXXX but my legal council was not able to find it in XXXX. 
I belive US Bank owes me a credit for XXXX.
Product: Debt collection

On XX/XX/XXXX my mother told me a debt collector was calling her and my siblings in order to collect a debt. I called them immediately and they said I took out a loan a few years ago with XXXX XXXX XXXXe ( I dont remember taking out this loan ). They legal claim department said the company was going to recover my license if I didnt pay to settle. They sent me a docu sign and I paid them {$1100.00}. They sent me a document saying the debt was paid in full. They called my family today XX/XX/XXXX claiming I had another debt with XXXX and that I needed to pay the underwriters. I refused and told them to take my familys phone numbers off and that I had already paid that debt. They eventually relented which led me to believe I was scammed.
Product: Mortgage

I inherited my mothers house when she passed in  XXXX   XXXX . I have since been trying to assume the loan and the bank will not talk to me because I 'm not on the loan. I have submitted all the documents i.e. death certificate, will and probate papers from the court as well has the executor has contacted them also. I have been trying to deal with this for over a year..I have been living in the residence and paying the mortgage on this property since  XXXX  in  XXXX   XXXX  I was laid off from my job and called the bank to make payment arrangements but again the bank wo n't talk to me since i 'm not on the loan. They keep telling me they are reviewing my paperwork. Now they sent foreclosure papers and I am still trying to get resolution I contacted their attorney the beginning on  XXXX  and they gave me the number for the home preservation dept. and I am now going through the same hassle all over again. I never talk to the same person it 's always someone different and I have to explain the whole story every time its like the first time I talk to them every time. Since  XXXX   XXXX   XXXX  I have tal ked to 3 different depts and 6 different people I was told I have a representative to handle my situation but I can never talk to that person nor have they contacted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : DEPTEDXXXX XXXX XX/XX/2015 {$0.00}, XXXX XXXX XXXX XX/XX/2015 {$0.00}.
Product: Mortgage

Our mortgage was obtained by Green Tree LLC in good standing. On my first bill they immediately asserted that a payment already made to, and processed by, the previous servicer was late. I called them as soon as I received the bill to complain of the error and was told by a representative " not to worry '' and that " it was simply working it 's way through the slow computer system '' and he 'd " look into it. '' I called my pervious servicer and they readily sent me full documentation as prof that the payment in question had been made in full and transferred to Green Tree. However I continued receive late notices for the " missing '' payment and was then sent a notice of default by Green Tree that encouraged me to refinance. I called again and was told that now only a portion of the payment was missing and that " maybe my pervious servicer has simply forgotten to charge me for that portion '' ( again, I have documentation that the payment was made in full, and transferred in completely good standing ). 

I then sent a formal letter explaining that they had sent a notice of default in error and laid out the history of the account and it 's payments. I additionally sent the documentation from the former servicer that the payment in question had been paid and transferred in full. I contacted the first representative I had spoken with weeks ago to and got an address to send the letter to as well as a fax number. I sent that letter and documentation in hard copy to each Green Tree office that had been in contact with me. I sent it over their website with their internal messaging service. I faxed that letter along with the documentation from the former servicer and a statement from my bank showing the full deduction to a fax number given to me by the phone representative. 

For days I have called, left messages, and even had XXXX customer service rep send my account manager an email on my behalf, I have yet to reach or hear back from my account manager to acknowledge my formal complaint. 

I initially contacted Green Tree to orally notify them of their billing error 4 weeks ago, I was advised to do nothing. In that time they did not cease to seek payment ( they escalated to default ) and they clearly did not look into the very simple and well-documented case. With further investigation I found that the actions taken by Green Tree in regards to providing me with information on how to file a complaint, and in misrepresenting the charges to my account seem to be a common problem. Their actions seem to also be in direct violation of the court mandate in the case brought against Green Tree this year ( 2015 ) by the FTC and the CFPB ( Thinking of section XXXX. XXXX ). Green Tree 's handling of my account thus far demonstrates a continued negligence ( at best ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is listed on my Trans Union Credit Report under- SUPPLEMENTAL PUBLIC RECORDS AND RESIDENTIAL INFORMATION : SUPPLEMENTAL CONSUMER CREDIT INFORMATION ; referencing a Mortgage that was actually in my ex-husbands name/promissory note. They requested information XX/XX/XXXX and that house was foreclosed on and sold. My ex-husband filed bankruptcy after the fact. I have a copy of the promissory note he signed for the mortgage and I would like to have it removed from my credit report. XX/XX/XXXX was when I first came across this information and as of today it is still on my credit report.
Product: Debt collection

This was discharged in BK in XX/XX/XXXX. However, as of XXXX XXXX they are reporting late payments.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX XXXX and the joint account owner who was my caretaker informed me she was in communication with XXXX XXXX and that I had to make a payment or the truck would get repossessed. This was in XXXX of XXXX. I called them and made a monthly payment XX/XX/2022 for the usual amount of {$770.00}. The customer service representative verified this would stop the repossession which was very important to me. Well they took the truck anyway without my knowledge right after that and didnt even allow me to get the thousands of dollars worth of personal property I had in there as I was preparing to move residences. It has really bothered me that they were so dishonest so I got some legal advice and if this avenue doesn't produce results then a lawsuit is the next step which I would like to avoid because of the time it would take. They refuse to acknowledge my last payment date because then it would prove my case. That they basically repossessed my truck unlawfully but they refused to acknowledge that I had made any payments in XXXX. Well I finally have the proof of that payment which was the only thing my lawyer needed to move forward with full confidence. This affected me so much I went into inpatient treatment at the VA for almost a year following the repossession.