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

The money taken out of my checking account ending in XXXX on XXXX XXXX is fraudulent. This check XXXX was originally made for XXXX dollars to XXXX XXXX XXXX  for a credit card bill. This was mailed from XXXX XXXX XXXXn XXXX XXXX, than sometime after that, the check was stolen, whitewashed and deposited by mobile device on XX/XX/2021 for the amount of {$4500.00}, resulting in the money being taken out of my account on XXXX XXXX, the bank never notified me, I found out when I was overdrawn through email. To this day SunTrust has never initiated a conversation with me or called me about this matter unless I do the initiation. This should have never been taken out, not my handwriting, talked to Suntrust, filed a case, and also filed a police report with local and federal, since it was deposited over a mobile device. SunTrust ( Truist ) has lied to me said I would have my money back in 15 days, I still do not have it back, and they have cost me a move to XXXX XXXX for a job, loss of employment, destroying my credit, can not pay bills and have late charges. They also took my XXXX Social Security check when they said they would deposit the check into my new account, because I did not have time to change the account with Social Security. They lied again, it was setup, went to the bank, the representative called fraud department and they said they did not know how to transfer my check into new account, right. I am livid, they have lied, took my livelihood and have devastated me completely, I am going to be made Whole again, not only do I want my money back plus fees, they are going to pay for losing my job in XXXX XXXX, my move that did not happen and taking my Social Security check, not to mention destroying my credit and all the late fee, I am going to sue them for {$5000.00}. This has been emotionally, mentally and physically devastating to me and with my history I have sued before but this time I will.
Product: Checking or savings account

j p morgan ( chase bank ) close my account for no specific reason
Product: Payday loan, title loan, or personal loan

XX/XX/2018 I was contacted by a debt collection company by phone stating that I would be going to jail for check fraud unless I paid $ XXXX, for a loan I was given by ACE CASH EXPRESS approximately 10-15 years ago. I am currently on SSI/Disability and I told that to the person on the line " whom I later learned was named XXXX ''. And I explained to him that I didn't have that kind of money and was struggling to make ends meet. However I did tell him that I could make an arrangement to pay something each month until it was paid off and he asked " how much '' and because of my current financial struggle I stated that I could pay at least $ XXXX- {$25.00} per month and at times maybe more until it was paid off. Well XXXX then stated that he couldn't accept that low of an amount and asked if I could ask my friends and family members and come up with {$1700.00} that day and take care of this. I again told him that I was unable to come up with that amount so he said he could lower that to {$700.00}, and I told him that I have no friends or family members that would loan me that kind of money. He then drop it down to {$500.00} ... ..and once again I stated that I just was unable to come up with that amount. He then said " well can you ask your friends and family members for {$170.00} today, to keep me from sending somebody out to pick you up today XXXX meaning arresting me and taking me to jail ). Frustrated and afraid of being arrested, I told him that I would make a few calls to someone and see what I could do. Unfortunately I was unable to come up with any money, and when I tried calling back several times I kept getting a busy signal. " Please Help Me ''? The Docket # XXXX
Product: Vehicle loan or lease

Case Number XXXX was closed simply because the company responded. However the company did respond, yet they were false in their promises just as they were in my initial complaint against the company. I received a response from a Ms XXXX XXXX, who stated that if I needed a payment date change to contact XXXX XXXX. On XX/XX/2019 I contacted Mr XXXX to do just that, with no response back, so on XX/XX/XXXX I emailed Ms XXXX in Regards to Mr XXXX not calling me back and Finally he did on XX/XX/2019 stating that he would change my payment date from the XX/XX/XXXX to the XX/XX/2019. To this day of XX/XX/2019 My date has not been changed. I have reached out to Mr XXXX a total of two times Friday XX/XX/XXXX and today XX/XX/XXXX to resolve this matter as well as Ms XXXX who is on vacation until the XX/XX/XXXX. On that conversation with Mr XXXX I informed him that I would not be able to make the XX/XX/XXXX payment until XX/XX/XXXX. He said that would be fine as I am changing the due date to the XXXX of each Month. The company is shamming me, and now I will have another late payment on my report due to their lies!!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I obtained a copy of my consumer report on the date of that is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit, but it has made me loose hope and trust within the banking system. I have been denied for credit cards and home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. 

There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that your company ASSUMED this VITAL role pursuant too 15 USC 1681 ( a ) ( 3 ). Also, your company failed to be fair and respect my right to privacy according too 15 USC 1681 ( a ) ( 4 ).

I am requesting valid proof and documentation that these negative items where investigated fairly and properly. Also please provide me with the system and details your company uses to determine if transactions took place or not. Your company is in violation of several federal laws including the responsibility you have to protect my privacy.

I am giving your company the opportunity to make this matter right by way of the following REMOVE ACCOUNTS REMOVE LATE PAYMENTS REMOVE INQUIRIES
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting

Hello, mortgage : XXXX # XXXXdates in dispute : XXXX XXXX and XXXX XXXX (? ) Equifax response XXXX XXXX XXXX I contacted Equifax to dispute delinquent payments on my credit report. I had sent my mortgage company a copy of my USPS postal tracking # It was mailed as a 2 day priority. Per XXXX, no late pays are showing on my account. 
In XXXX XXXX I contacted my mortgage company a second time ( after the dispute with XXXX ) and was advised XXXX XXXX payment is showing current in their system and there are no late pays going back over 5 years. 
Today XXXX XXXX, XXXX, I checked both XXXX and XXXX XXXX, both STILL show XXXX delinquent pays on the credit reports. Per Equifax, the incorrect information had been removed and my credit score adjusted accordingly. Last month, I checked ALL XXXX free credit report sources in XXXX and ALL XXXX had me at a XXXX score or higher. Today, BOTH Equifax accts ( XXXX and XXXX ) have the exact same score XXXX and both have the same XXXX LATE PAYS. This is in spite of the fact that Equifax contacted me with # XXXX which is now expired, advising all payment information had been corrected. To make matters worse, my computer crashed last month, and the document where I copied that information is on my old system. At this time I can not access the document where I copied their complete response. 
I stand by my statement below, because I do have a copy advising the errors had been removed and saw the new, updated scores last month, but did not think to screen print them. Who would imagine that it was all a hoax? 
Since my score from XXXX is XXXX and shows both accounts, it is obvious that Equifax has not corrected my information, or they corrected it in XXXX, then put the incorrect information back on my credit report in XXXX. For them to force a lower score on me is questionable and unethical. It still appears that they are using " late pays '' as a means to force people to purchase their credit products. 
I also want to add that my son 's name is on the mortgage and his score has been over XXXX for several months. How is that possible when we have XXXX accounts that are the same? His name is XXXX XXXX XXXX and he is he co-signer on the mortgage. I am a cosigner on his car. Same debts, yet different scores. Seems a bit bogus to me. I have attached the screen prints from XXXX ( XXXX ) for your review. As you will see, they have corrected and updated my score.They also show XXXX open accounts. That was disputed and corrected with CFPB Case number : XXXX. Thanks for your time. Have a great day!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a {$32000.00} on my Experian report that was submitted by XXXX XXXX. Experian did not investigate properly and concluded that item should remain on my report. I have no business with XXXX XXXX. I understand they bought the debt from a bank in XXXX. This bank XXXX XXXX XXXX has provided a fictitious amount. Also before now this bank has harassed and threatened my though phone and email. I did not incur such debt XXXX XXXX  stole my information and send a fictitious amount to experian from a foreign company and they put in my account without investigation. I had written to XXXX XXXX  and disputed this debt and they said nothing for over 1 years and came back to post this on my report in experian
Product: Checking or savings account

On XX/XX/XXXX I filed a dispute with Wells Fargo Bank stating that a transaction was not as described and they said they would look into it and it would take 10 days. On XX/XX/XXXX I was awarded a provisional credit of XXXX which was the amount I was disputing. 10 days passed by and I received no communication from Wells Fargo by mail or email so I assumed the case was closed and dealt with. Today XX/XX/XXXX I received in the mail a document that stated my transaction was not in error and the provisional claim would be deducted XX/XX/XXXX. I was confused because Wells Fargo stated they would follow up in 10 days and went radio silent for over XXXX months. The transaction was authorized by me, but the service was not as described and the place I made the transaction was being difficult when dealing with a refund so I followed up with Wells Fargo hoping they would be helpful about the situation and instead did absolutely nothing but give me a credit not speak to me for months and then randomly decide to take the money back with no explanation about why they went silent. This worries me because I am disputing a current charge as well that is a much larger amount and that service that I paid for almost caused physical danger to me so I do not want a notice coming in the mail months from now again trying to take the money back from me after radio silence.
Product: Mortgage

I purchased my home in XX/XX/XXXX. I was let go from the company I was working for then I found another job but was making less money. I was still making my mortgage payments until I was laid off from that job. I was collecting unemployment then I contacted an organization called XXXX XXXX to assist me with getting the my mortgage lowered. The person I was working with was XXXX XXXX at XXXX XXXX in XXXX, Indiana. My mortgage is with MiMutual ( Michigan Mutual ) and they had XXXX XXXX constantly having me to complete paperwork which I did. MiMutual would contact me to complete paperwork and I would complete it and send it back. All of this was done and still no lowered payment. I was forced to file a chapter XXXX so that I wouldn't lose my house. I have XXXX degrees and I knew I would find another job which I did. I had several jobs working as a XXXX employee through XXXX XXXX, XXXX and XXXX XXXX. I was making less money but I was consistently employed. I filed a chapter XXXX with XXXX XXXX. I wasn't making enough money to catch up on the past due amounts owed to MiMutual. I knew that there was a program that was through XXXX XXXX that MiMutual was one of the banks on the list of various banks that participated. The program would allow {$30000.00} to the homeowner for past due as well as future payments. I thought great this will help plus get the mortgage reduced at least by half and I would be able to be current. In XXXX there was still no resolution in lowering the payment. I hired a real estate Attorney ( XXXX XXXX ) to help me communicate with MiMutual. Even my bankruptcy attorney that why is it taking them so long to lower my mortgage payment because I filed the Chapter XXXX in XXXX. I am not forced to file a Chapter XXXX BUT I want to KEEP my house. Here we are in XXXX and MiMutual has not lowered the payment. I feel as if they are purposely doing this. It has been extremely stressful. I have XXXX daily and because of that XXXX I developed XXXX. My physician said it could be from an XXXX  XXXX XXXX which I do not have or XXXX. Which is something I have been experiencing since XXXX. I am XXXX  on a daily basis and XXXX daily trying to get MiMutual to lower my mortgage payment. I can make the payments but not the payments I was making when I first purchased my home. I had a reduction in income and I just need it lowered to what I can afford. I do not want to move, sell or have my home foreclosed on. I am still working with my attorney at XXXX XXXX but I am filing this complaint because I need resolution. I even went back to college to obtain a XXXX degree in XXXX. I have about year to go and I will not ever have to worry about not making my payments plus I am employed. I just need MiMutual to cooperate in lowering my mortgage payments to what I can afford. I have kept my home in great condition. The basement flooded and I got that fixed, the humidifer started to leak and I got that fixed and the garage door wire snapped and I paid to get that fixed. I just want to keep my home for myself and my daughter. I just need them to cooperate with my attorney.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IDENTITY THEFT / FRAUD XXXX XXXX XXXX XXXX XXXX XXXX I AM, The Victim Of Identity Theft Fraud ; As, All Proof Of Documents Enclosed. As, I AM Responsible For Any And All Documents Submitted To Local, State, And Federal Law Enforcement Agencies ; As, The Following Documentation Is Included : FTC ; Police Report : Proof Of Law Enforcement Emails ; Identification. According To 15 US Code 1681, inaccurate data and information must be removed and deleted immediately ; and, in accordance of US Code 1681 1602p " UNAUTHORIZED USE OF CREDIT CARD " ; as, I DID NOT provide any lawful nor legal consent to establish accounts. Therefore, according to Federal Consumer Law, the enclosed accounts must be deleted immediately. Also, A Certified Notary Was Assigned To Verify My True Identity ... ...,
Product: Mortgage

Select Portfolio Servicing and the Investors of my Mortgage Loan # XXXX denied modification or repayment plan in XXXX. At XXXX mediation on XX/XX/XXXX Their Attorney told me the decision was based on " outdated income ''. I appealed the decision and submitted correct income documents and their reply completely ignored the documentation and they refused to change their decision. As a result, since that date I have spent every waking moment searching for a way to resolve the matter and avoid having my home taken away from us. Meanwhile the arrears continue to accrue, my home is in need of repairs that only a home -OWNER would invest in and my family lives in unrest and uncertainty. 
When XXXX  finally became imminent in XXXX after exhausting every resource on earth to avoid it, Select Portfolio Servicing contacted me and informed me that my account had suddenly changed from " ineligible for assistance '' to eligible to apply for modification. I applied and was almost instantly offered the repayment plan I had been begging for since XXXX. I completed the plan in XX/XX/XXXX, at which time I was again invited to apply for a modification. The modification was denied but I was offered another XXXX repayment plan, this time with a BALLOON payment of {$120000.00} due in full on XX/XX/XXXX. The reason given for the balloon was that " Reinstatement amount was more than XXXX  times my contracted payment amount '' ... XXXX! Hence the reason they should have offered me this plan XXXX YEARS AGO and had absolutely NO REASON to DENY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX  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 or other personal consumer reports

Name : XXXX XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/year> This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections XXXX on my consumer XXXX 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 # XXXX as proof from the XXXX 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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 12 student loans from fed loans account and one from XXXX that keep appearing and that i am no longer liable for on my credit report Open dates for fed loan XXXX XXXX, XXXX ( 13 yrs, 11 mos ) XXXX XXXX, XXXX ( 13 yrs, 2 mos )  XXXX XXXX, XXXX ( 12 yrs, 1 mo ) XXXX XXXX, XXXX ( 12 yrs, 5 mos  ) XXXX XXXX, XXXX ( 6 yrs, 8 mos ) XXXX XXXX, XXXX ( 7 yrs, 4 mos  ) XXXX XXXX, XXXX ( 6 yrs, 8 mos ) XXXX XXXX, XXXX ( 7 yrs, 4 mos  ) XXXX XXXX, XXXX ( 6 yrs, 8 mos ) XXXX XXXX, XXXX ( 6 yrs ) XXXX XXXX, XXXX ( 6 yrs ) XXXX XXXX, XXXX ( 5 yrs, 4 mos ) Open dates for XXXX XXXX XXXX, XXXX ( 11 yrs, 2 mos )
Product: Bank account or service

I am a XXXX on limited funds. On XXXX XXXX, I deposited my payroll check into the ATM prior to going on a XXXX trip on a Friday. I used my bank card for expenses while on the trip over the weekend. I did n't realize that my deposit showed {$0.00}, vs the over {$410.00}. SunTrust then reshuffled my transactions and my put my deposit on the end and charged an NSF fee for all transactions the next business day. By the time all Fee 's were assessed, the total fees are {$430.00}, ON TOP OF THE TRANSACTION 'S I made. Over the weekend ( XXXX XXXX ), I deposited a XXXX payroll check for {$110.00}. With all XXXX payroll checks deposited and the transactions, my account is now in the negative over {$300.00}. Again, as a XXXX trying to save money to return to school in XXXX, this is a MAJOR setback! I am thoroughly disappointed in how Suntrust has refused to refund the NSF charges due to them not adding my payroll checks. This will take me WEEKS to recoup this money and unfortunately, I do n't have this kind of time as books need to be purchased in a few weeks. I am BEGGING for some assistance with this matter.
Product: Debt collection

On XX/XX/year>, a {$16000.00} debt appeared on my credit report without explanation. I have never lived in the community or apartment associated with this debt. I have reported this incident as fraud multiple times, but the issue remains unresolved. I did not sign a lease and have no knowledge of this account.
Product: Credit card or prepaid card

I went in to XXXX to purchase a XXXX time use vanilla visa gift card on XX/XX/2023. Upon paying for the gift card and opening it, there were multiple numbers scratched off the card including the security code on the back. The magnetic stripe was also XXXX. I paid for a {$420.00} card as well as a {$5.00} fee to load it. Upon informing the store they told me they can not do anything and I am out {$420.00}. I have called vanilla visa aka incomm who will not help me. I have contacted XXXX corporate office as well as the local store where it was purchased. They will not refund me nor will they exchange it for a working card. It seems as if an employee tampered with the package and waited for it to be loaded to have the numbers to use for themselves. They employee who sold it to me explained he has never seen anything like that before and the card was useless even though I spent {$420.00} and that XXXX has stolen my money or the person who tampered with it has the funds now