23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My house went foreclosure in 2009, had XXXX mortgages, XXXX mortgage said they served me letter to court which l never got, but later went to the count, it indicated that they had served my daughter who was XXXXyears then who were being watched by my mom who did not know english and it also showed that the house was sold already, and according to what l asked them when l was getting the loan they had said if am not able to pay they were to take the house and not garnish my wages.IT seems they passed it over to the creditors who are garnishing me, and yet when l talked to XXXX they said the loan was written off because they got bail out besides house was sold, and even the credit bureau states that it was deleted by the court and it is written off. so now is there any way l can get help, or should go ahead and file for bankruptcy, please help with better option, am single mom with XXXX kids struggling to make ends meet, and working really hard but this is killing me l need better solution than bankruptcy, because that means l can never get the cheap house for the kids in the next XXXX years, struggle is really and this is really for me please give me quick solution before plan for bankruptcy, Thanks, God bless America, please help.
Product: Credit reporting or other personal consumer reports

I saw a credit pull on my credit report from Arvest Mortgage. My mortgage was with XXXX and they transferred it to Arvest. 

I did authorize XXXX for credit pull and it decreased my credit score few months ago due to that pull. 

Arvest has no right to do second credit pull when XXXX transferred my mortgage to them because I did not authorize it. This reduced my credit score further and is a clear violation and it not only needs to be corrected and I also seek compensation for this mischief of Arvest.

My Arvest Loan Account number is XXXX
Product: Credit reporting or other personal consumer reports

I am sending my complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. 
These are the following items that needs to be remove in my credit file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX I sent an email to XXXX they stated minor son had a credit file. I sent all of the information they requested via mail and they never the file. Ive followed up 4 times.
Product: Credit card or prepaid card

I have placed an order on Amazon.com and used my reward points from the amazon store card which were XXXX dollars for that order on XX/XX/2021 order number XXXX and then I cancelled the order few minutes after, but until today XX/XX/2021 I did NOT get the reward points back which are the XXXX dollars. I called amazon and I called the amazon card at synchrony bank but everyone gave me a different answer. I was told I would get the rewards points back within 48hours and somebody else said 72 hours and the representative at synchrony bank amazon card said 3-5 business days but I still have NOT received the money back. Its like the money was lost and never refunded back to me and today I asked for an account manager and he was very rude and unprofessional and loud and said I have to wait for 2 months until end of XXXX to get my rewards money back and he said it in a very angry loud voice. Very poor quality customer service and very poor quality management. I want my XXXX dollars rewards money back so I can use them to place a new order on Amazon.com. Amazon store card can not hold my money for 2 months like that rude manager screamed in my face. Very rude and unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau never did a proper investigation according to the FCRA.

The term investigative consumer report means a consumer report or portion

thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. The did not do this. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everythin
g has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal,

They also violated the law because according to 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 instructions I did not give anybody written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Contributor : SUNTRUST BANK Contribution Ref # ending in : XXXX Incident Date : XX/XX/2017 Principal Loss : {$0.00} Contribution Reason : Checking Account Fraud The issue concerns the fact that SunTrust bank has incorrectly classified my account as fraud. I have not committed fraud in any manner. I have not submitted bad checks or performed any other type of activity that would constitute checking account fraud. I have contacted the EWS agency and they have viewed the information. However, I have not received any response. The incident date is incorrect because the incident never occurred. 



Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX store card closed a fraud account that was in my name. I still have them reporting on my credit report and still paid down the balance that I didnt use. They keep reporting derogatory remarks and statements on my credit report messing up my FICO Score. I have been through with them on this issue. I dont receive no bill or statements. XXXX XXXX  store card closed my account due to fraud. So why are they still reporting on my credit report? Why am i not getting a bill? Why am i not receiving any statements? I paid more than the remaining balance on a fraud account. Help me please!! I had to sign up so i can see the statements.
Product: Credit card or prepaid card

I applied for multiple American Express credit cards today XX/XX/2020 and was denied for all credit cards My credit score XXXX, annual income {$200000.00}, and employment 3+ years with same company. 

I believe American Express has placed me on a blacklist due to a delinquent account that was closed more than 10 years ago. It's unjust to hold someone responsible for a credit mistake for their entire life for something that can't be resolved. 

I believe this information is being used to deny me credit and American Express denies the existence of such a black list.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX took an incredibly long time to send me my final bill, at a new address after I moved. The balance ( {$85.00} ) was sent into collections. Upon finding this out, I immediately contacted XXXX to pay the balance. I was assured that it would be removed from my credit report within 30-45 days, since the balance was paid in full. That was approximately 24 months ago. I have contacted Experian as well as XXXX, who have been extremely unhelpful and told me " you should have paid your bill, this won't fall off until 2024 ''. I have excellent payment history without a single missed or late payment on ALL of my accounts. This derogatory entry on my credit report is keeping my score under 700, and causing me the inability to secure financing much needed for my small business. At a time like this when so many are unemployed and my business needs all the help it can get, I am unable to secure a loan because of this. I would greatly appreciate any help in removing this from my credit report!! Thank you so much!
Product: Checking or savings account

On XX/XX/22, I opened a 24 month Bump Up IRA CD, with Synchrony Bank. On XX/XX/22, I advised the Bank that I wanted to exercise the bump up option. Since then, I have had numerous telephone calls and emails, regarding this matter. They have not addressed my instructions, or responded to my attempts to resolve this matter. When calling the required phone number, you are subjected to long hold times. Promised phone calls, to discuss this matter, have not been forthcoming. 

Anything you can do, to assist in resolving this matter, will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters on XX/XX/2022 to XXXX, XXXX and TransUnion about unrecognized negative items on my credit report and have not received any information back. It has been over 30 days. These companies are not complying with their own policies in a timely manner. 
I sent a second letter XX/XX/2022 asking the companies listed to comply but received no response.
Product: Checking or savings account

On XX/XX/year> I received a text message from Wells Fargo stating there might be fraud on my account. I then received a phone call. From XXXX stating that they were Wells Fargo and wanted to go over some fraud activities on my account the gentleman on the phone verified both of my account numbers and the last three activities that were on my account the gentleman then said that we were going to close your old account and give you new account numbers, and have you move the money from the old account to the new account via wire transfer. Once the transfer were complete the gentleman on the phone said thank you have a good day. That is when I found out that it was a scam. I contacted Wells Fargo on XXXX XXXX and got a claim started. On XX/XX/year> I got claim letter in the mail saying because I transferred the money are not able to reimburse me and they considered they inquiry closed. The claim numbers are XXXX and XXXXThere were three transactions totaling the amount of {$17000.00}. See Attached Information.
Product: Vehicle loan or lease

I lost my job 3 months ago so i was behind I informed Bridgecrest, Today XX/XX/year> Bridgecrest illegally And violating Laws 15usc 1692F a Judge did not give Bridgecrest aka XXXX and right to illegally steal my car and then say I must pay the balance of the Loan payment which includes the towing fees. This is a predatory company taking advantage of working people with not much money.
Product: Debt collection

I contacted LendingClub on XX/XX/2019 to communicate to them that due to extended unemployment I was unable to make the XXXX payment in the amount of {$720.00}. They said the best they could do was move the payment to XX/XX/2019. They confirmed that autopay ( bank debit ) was stopped and advised me to call back to have the payment date further extended. I called back on XX/XX/2019. They said the best they could do was stop the autopayment. They confirmed the autopayment was suspended. On XX/XX/2019 they debited my bank account anyway.
Product: Credit reporting or other personal consumer reports

While going through a modification process, the amounts I paid for XXXX XXXX XX/XX/XXXX was placed in a holding account. 

Another department from XXXX  XXXX XXXX reported payments as missed payments. I was informed that once the modification period was over, everything would be accurately reported. I resumed regular payments on XX/XX/XXXX. 

As of today, my reports still show that I have 4 missed payments. This has caused my scores to decrease by more than XXXX points. 

Additionally, I purchased my home in XXXX and XXXX  XXXX XXXX has me paying on this loan for another XXXX plus years. I am XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Flagship credit acceptance ( company ) I paid everything.

My credit score was reported delinquent on XXXX and XXXX. 
But I was up to date with my payments since XXXX and XXXX My score went down drastically because of it. 
I want it fix asap. 
We confirmed with Flagship that they made a mistake but my score remains low
Product: Credit reporting or other personal consumer reports

I came across the CFPB TransUnion lawsuit. 

I was negatively impacted by TRANS UNION hurting my chances at credit after receiving a response to my earlier disputes that the accounts were " verified ''. 

Come with the receipts, or be quick to delete.
Product: Money transfer, virtual currency, or money service

Money was sent to the wrong person and nothing was done to get the money back
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX, FAIR COLLECTIONS & OUT XXXX, XXXX XXXX  XXXX 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

The fake Military guy, XXXX XXXX, reached me through my XXXX, said he is an Orphan, parents died XXXX old and was adopted by a priest, half XXXX & XXXX, and was a loner. I am older than him so he asked to be my brother. I have XXXX for a long time because of my violent marriage & go through a divorce now so I thought I need a friend/brother, he said he had XXXX too so we help each other. Suddenly he said he need to send me an important package to family of his Military Certificates & rewards through a delivery company XXXX XXXX XXXX with a tracking number, the rewards included a lot money inside. He will pay me back the fees I help him pay. I promise I just take back the money I paid fees and keep his money save until he got home in a month. I was XXXX completely following all his directions plus an delivery agent contacting by emails and text messages. The fake package was a security box traveling XXXX XXXXXXXX to US going through so many stopped by the fake Airport Authorities. They requested huge payment to get through gates {$5000.00} for across the border, {$10000.00} for Duty Stamp, {$47000.00} for Non-Inspection certificate just to go pass the Inspection. I was XXXX using all of my savings I saved for years to help a brother I believed a soldier in XXXX who need familys help. After paying all of my savings, the package is 90 % reach me, then they said the delivery was stop by FBI. They scanned and see all the money inside for {$440000.00} something and requested for Anti-Drugs certificates & Anti-money laundering Certificates for {$240000.00} to pay in total or they will put me into jail I told them I dont have any money left and I am a victim here. My brother even pretended to ask his Superior to help contact with FBI but they still requested payment. I told them I am totally broke & XXXX losing all the money I had paid {$63000.00} total before. They still insist that I will be in jail for money laundering. 
Long-short story about my crazy stupid Military romance online. I hope and wish no-one got XXXX and scam like me. I am in so much pain & depressed now and dont know what to do
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and it seems that this will never end. I check my credit profile weekly and have signed up for numerous credit monitoring services in order to monitor my credit profile. I have submitted a dispute in reference to a fraudulent XXXX account and this account is still reporting on my credit file. i submitted the required documentation and this account is still reporting. I have also submitted a complaint to the XXXX and the CEO as this is not my account.
Product: Debt collection

Derogatory Account : CREDIT COLLECTION SERVIC XXXX Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report.

One here has not been given a chance to 3dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XX/XX/year> XXXX XXXX XX/XX/year>XX/XX/XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Kindly remove these inquiries. I am not aware of them, and they were conducted by the company without my permission.
Product: Debt collection

This number ( XXXX ) XXXX has called me at least 15 times within the last month about a debt my sister has. I told them that I do n't talk to her and to stop calling but they continue to call. I blocked their number but they still call using unknown number. They just recently called me today, X/X/18/, at XXXX XXXX
Product: Credit card

CitiAdvantage Platinium credit card is a predatory lending scam. They started me off with about a {$7200.00} limit. Never had been late and made multiple payments every month, way ahead of the due date. All of a sudden, without warning, a few months ago - they simply took about XXXX plus from my limit, which immediately pushed me over my new preset limit. I am not away of this supposed new preset limit is. 

Just as I was about to get a credit card/debt consolidation loan to pay off all of my credit cards, Citi pulled this stunt, which sent my FICO scores plummeting. 

Subsequently, I've been flooded with a mountain of junk fees and the interest rate now is about 50 % ( it seems ) or greater.
Product: Debt collection

XXXX the company began unlawfully furnishing my personal information, soon there after I asked for the company to show proof of permissible purpose, 15 U.S.C. 1681, showing my consent in writing to no success. Soon after asked them to cease communication to consumer reporting agencies in writing multiple occasions as recent as XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.