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

Dera Sir /Madam A couple of weeks ago, I signed up for driving at XXXX and consented to a back ground check trough Check r the time frame to produce this background report is way due, they continuously keep denying the results of this report with generic messages apologizing for taking too long, this is affecting my ability to attain gainful employment, can you please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 we entered into a legally binding agreement with Suntrust to begin a Trial Period plan which was required before completing formal loan modification. Suntrust provided us with very specific instructions to make three trial payments on specific dates. We were advised we were not to deviate from the plan or the loan modification would be denied. 

The trial period began on XX/XX/2019 where we paid {$4100.00}, with subsequent payments of the same amount on XX/XX/XXXX and XX/XX/XXXX for a total paid of {$12000.00}. We followed their directions exactly as outlined to us and completed the Loan Modification in XX/XX/2019. 

After applying for a new mortgage recently we were denied because Suntrust reported that we were 120 days late for five consecutive months ( XXXX XX/XX/2019 ). We feel that this is a violation of the Fair Credit Reporting act as we were under a formal agreement with Suntrust during those months and were following detailed instructions which included making trial payments. In addition Suntrust reported different information to XXXX  than they did to XXXX  & XXXX. They reported that payments were made to XXXX  for XXXX & XX/XX/2019 and reported NR or no report to XXXX  and XXXX. 

I have attached a copy of the trial payment agreement as well as a copy of a court case ruling. 

After doing research on our situation it became clear that many others had the same scenario happen to them. I found one case where a judge with the US Court of Appeals ruled in favor of the borrower that the lender violated the Fair Credit Reporting Act. 

The 6th Circuit rejected the servicers argument that the Home Affordable Modification Program guidelines encouraged, but did not require that they report a TPP. The court acknowledged this distinction but noted that [ r ] eporting that [ a borrower ] was delinquent on his loan payments without reporting the TPP implies a much greater degree of financial irresponsibility than was present here. 

https : XXXX
Product: Payday loan, title loan, or personal loan

i purchased a car from a dealership on XX/XX/2019 for {$33000.00}. Paid {$7000.00} cash and {$3200.00} for a trade in. I financed {$25000.00} at the dealership through XXXX  XXXX  XXXX. I have the finance paperwork and bill of sale. 
On XX/XX/2019 I received a title in the mail showing the car had 2 liens listed. I contacted the dealership right away and they stated this would be taken care of. After several weeks I continued to contact the dealership and DMV for updates. In XXXX I went to the dealership and was told they could not help me and the dealership was no longer in business and has different owners. I have since tried contacting DMV, Bank of America, and XXXX XXXX. Please see response from XXXX consumer complaints and the dealership stating this. I need the lien released from Bank of America and a clear title. 
I was able to find the name of the previous title owner who was also the owner of the dealership. I need this resolved and the lien released. The dealership can not sell a car and register the car until there is a lien release. Im not sure how this happened.
Product: Credit reporting or other personal consumer reports

I reach out to XXXX to investigate the XXXX account and why is it in my account when I have no knowledge of this account and I never open this account and they told me to reach out to the XXXX company which I have and they have no information about that account and they arent able to send me a letter due to having no account open that is XXXX under my name and Im so confused why is it taking so long to get it off my credit? I called several numbers and no help at all. So please help this is hurting my credit and I need to have it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Recently I viewed a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that TransUnion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

there is incorrect info on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX keeps holding me accountable for an account that was opened in my name. I told them that this isn't my loan and someone stole my information to be approved for this vehicle and to get this vehicle. I never attempted to get a vehicle nor made a payment to these people or this account. If there was an arrangement of a payment it was done by the employees trying to force me to pay something on this fraudulent account. they keep insisting I opened this account. I have not. This is illegal. Please provide me with video footage or audio that I, XXXX XXXX came and opened this account. I didn't and it is unfair when I actually want to get a vehicle in my name and get certain things and this account is fraudulent. Every company have insurance when a person defaults on a payment. I am not the person responsible for this account. Yes it was open in my name but I still didn't know about it nor did I open it. Please erase this from my account or I will pursue other actions. I am XXXX and am on fixed income and can not work and refuse to be accountable because someone hacked my information and stole my identity.
Product: Mortgage

I have asked Carrington Mortgage to stop calling me to sell me a refinance of an existing mortgage. They call every 10 days to 2 weeks. Last week ( XXXX or so ) I called customer service directly and asked them to stop with the calls or I would be filing a complaint. Here we are XXXX and I have a message on my machine " Update on my account '' with a phone number to call. I WANT THEM TO STOP CALLING ME! My loan is in good status and was sold to them.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 I was selling a telescope on XXXX XXXX. XXXX XXXX messaged me and said he would buy if I would ship and pay using XXXX. I never heard of XXXX, so I told him I would have to check if my bank offered it. My banks XXXX page says " First Merchants has partnered with XXXX to bring you fast, safe and easy way to send money to family and friends, even if they aren't a First Merchants Bank customer. They only need to have a XXXX, XXXX  account. '' Instructions said to logon with my phone app and select the " + '' a bottom of page to setup XXXX. There were no warnings or fine print that I needed to agree to. I assumed if the other person had a XXXX XXXX  account. they had to be a confirmed customer. XXXX said he was sending me {$1100.00}, but I then received a spoofed email from XXXX say I needed to upgrade to a business account with {$1500.00}. XXXX said he would send {$1500.00} if I would send {$400.00} back. In the process I sent {$400.00}, but never received the {$1500.00}. While waiting for my {$1500.00}, I researched online and found out I had been scammed. I contacted my bank within 10 hours and told them of the scam. Thay said I could not dispute it until it cleared. The next day it cleared and I disputed it and the bank said it would take 10 days. After they investigated it, they denied my claim saying it was my error and they are not responsible. I have emailed customer service back and forth, but they refuse to refund my {$400.00} even though it was fraud. They could have stop it while in process, even not Regulation E should cover such a fraud.
Product: Checking or savings account

It is known that Wells Fargo has a bad habit of re-organizing transactions that cause customers overdraft fees. I had the fees in my account on XXXX XXXX to cover transactions. I wake up this morning and those same transactions are all of a sudden pending just this morning at the same time that I have an incoming deposit coming in XXXX thats going to lower the amount of my deposit and because I remove the funds and put it in my savings now Im going to occur overdraft fees when I called Wells Fargo to get resolved I had the first representative escalated. I was still told that I could not have any withdrawals reversed because I already had it done in a XXXX month period and so I told them to escalate it again and now I have to wait XXXX days for them to review acknowledge and contact me not including today. You go on any public form any social media and when people start talking about transactions being dispersed incorrectly in their account people immediately know that its Wells Fargo.
Product: Checking or savings account

US Bank Im absolutely a Veteran. US Bank was charging me charges that were not supposed to occur on a military account. 
Then I had a contractor commit bank fraud on my account and they would not help me this happened between XXXX XXXX of 2022 Earlier in the year I had an unauthorized with being over charged by a hotel and they would not help me. 

Instead they continued to charge me overdraft charges, meanwhile they were overlooking BANK Fraud by construction contractors and others who I have reported. 

In 20 years I have never seen so much unethical practices and illegal activities in my entire career. 

So now US Bank shut my accounts down, the victim of bank fraud and they told me that I dont meet the requirements of being a military or veteran member.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX : XX/XX/year> ] [ XXXX : XXXX ] [ Experian ] [ XXXX XXXX XXXX ] [ XXXX, TX XXXX ] Subject : Dispute of Late Payments on Account - Demand for Late Payment Deletion To Whom It May Concern, I am writing to formally dispute the late payment ( s ) reported on my credit report for XXXX XXXX XXXX XXXX account number [ XXXX ]. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable federal laws, I request immediate investigation and verification of the accuracy and legality of the reported information. 

Grounds for My Dispute : 1. 15 U.S.C. 1681 ( a ) ( 2 ) : The term consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. Any reported payment history must comply strictly with the legal definitions provided by this section.

2. 15 U.S.C. 1666b : A creditor may not treat a payment as late unless reasonable procedures are in place to ensure that each periodic statement, including the information required under 15 U.S.C. 1637 ( b ), is mailed or delivered at least 21 days before the payment due date.

I demand proof, such as a tracking number or proof of delivery, showing that such notice was mailed or delivered to me in compliance with this statute. Additionally, provide a copy of the notice itself.

3. 15 U.S.C. 1681e ( b ) : The FCRA mandates that consumer reporting agencies ensure the maximum possible accuracy of the information in credit reports. In the absence of evidence verifying the accuracy of this late payment report, it must be deleted immediately to comply with the law.
Product: Debt collection

Ive changed my number several times, they still call. On every phone call since requesting them to send me a letter showing the original contract with them and not with another company, they never provided information. Ive constantly told them to not contact me unless they can provide original contract. They havent done so and still call and harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not owe the Minnesota Department Child Support Division of XXXX County. 
I spoke with the Child Support Officer : XXXX XXXX at lenghth. Also, she gave me proof of ths that the case is closed and there are no arrears. My child mother also got a copy and supported the decsion as well. This is not accurate, therefore this should be remove. Please honor the Fereral Trade Commission guildlines.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Incorrect Please remove it from my credit report
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX CREDENCE RESOURCE MANA XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDENCE RESOURCE MANA XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Debt or credit management

I am in an settlement CASE NUMBER i applied in XXXX XXXX of this year XXXX XX/XX/XXXX now i get a letter from XXXX XXXX XXXX number XXXX on XX/XX/XXXX XXXX post dated XX/XX/XXXX stating that I had a verixon account from cell co partnbership and a balance due 610.79 i would have paid with the settlemtn and any additonal money owed to me from the settlemnt findings. 

I contacted XXXX and XXXX CO and they refuse to amidt that i was removed from the listing and the settlemnt to dispute and repay monies due. 

I am also in two bankruptcies XXXX XXXX XXXX XXXX XXXX VA case XXXX XX/XX/XXXX page # id XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX case XXXX XX/XX/XXXX
Product: Checking or savings account

Cash app, my purchase was paid for XX/XX/2023 and cash app took {$100.00} from my account today XX/XX/2023 saying it was a glitch in XXXX. I was never informed, my merchant states I paid, cash app transactions showed it paid, now they are saying 60+ days later it is correct now! I think they have stole my funds
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A . State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Product: Credit reporting or other personal consumer reports

I got Access to my credit report and saw fraudulent accounts and inquiry 's reporting on my credit report Please help me resolve this issue this is destroying me financially in my life please help me request written permission with consent and signature of the full disclosure of these account being open from the creditors and credit bureaus. this is a violation of FCRA LAW CODE : 15 USC 1681B Subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
In accordance with the written instructions of the consumer to whom it relates. 
To a person which it has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or intends to use the information for employment purposes ; or intends to use the information in connection with the underwriting of insurance involving the consumer ; or intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or otherwise has a legitimate business need for the information in connection with a business transaction that is initiated by the consumer ; or to review an account to determine whether the consumer continues to meet the terms of the account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE HELP ME RESOLVE THIS ISSUE AND REMOVEDELETE THESE ITEMS : Collection XXXX OPen XXXX Balance : {$1300.00} Collection XXXX Open XXXX Balance : {$800.00} XXXX XXXX Open Date : XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX  Balance : {$1900.00} THESE ARE INQUIRIES : 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

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Reference # XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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
Product: Mortgage

I am trying to work with my bank to modify the loan. They refuse to give me any help. They do not have to work with me, is what they said!