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

From XX/XX/XXXX to XX/XX/XXXX, I submitted several disputes to Equifax asking them to correct my name and mailing address, and to delete other name ( s ) and home addresses that are inaccurate. To date, that has not happened as there are always stall tactics ( responses ) to delay changing or removing inaccurate information from my credit report. I have provided proof such as a driver 's licenses, my Social Security Card, and marriage certificate on many occasions, only to receive numerous bogus responses without action.
Product: Money transfer, virtual currency, or money service

My XXXX XXXX XXXX son ( XXXX XXXX ) was XXXX in action on XX/XX/23 while fighting with the XXXX XXXX in XXXX. My wife and I have maintained contact with several of my son 's fellow soldiers who are still in XXXX fighting on the front lines. 
One of the soldiers mentioned that they were doing a collection within the unit to purchase a badly needed drone since their unit was never issued one by the XXXX military. 
I asked how much the drone costs and was informed that a quality drone with thermal imaging runs about {$5500.00} ( USD ). I told the soldier that my wife and I would be happy to purchase the drone for them since they are so important and save lives on the battlefield. Needless to say, they were very appreciative. 
I sent {$5500.00} through Paypal, only to discover Paypal was holding the funds and not releasing them. The soldier ( an American ) refunded the money and so I decided to send a couple of smaller payments. The soldier receiving the funds managed to get the funds released except for {$1700.00} which Paypal put on hold. When the soldier contacted Paypal they informed him that the funds were being frozen for 180 days and that his Paypal account was permanently frozen and banned. When he asked why, the contact person refused to give him an answer. 
Paypal is notorious for pulling shady stunts like this with no explanation. I tried calling Paypal myself to see what I could do to get the funds released and was told there was nothing they could do since it was not my account that was frozen. 
I did file a dispute with my credit card company, but I doubt it will resolve this problem.
Product: Checking or savings account

XXXX unauthorized transactions were reported to chime for XXXX and XXXX. Dates were XX/XX/XXXX XX/XX/XXXX and the company did nothing about it. The company is Chime
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, CFPB I have a problem and believe that my personal and business info may be stolen and I want to get protected 1 ) Today someone tried to change login information and my phone numbers in the online banking with banks : XXXX XXXX, XXXX, Discover and maybe others They have changed my email and phone number to their ( fraud ) My email XXXX Name XXXX XXXX My company : XXXX XXXX XXXX EIN : XXXX We have fixed the login information, but I afraid they have access to my personal info and SSN and need your help. 

2 ) Today I have checked my credit reports XXXX  and XXXX   and have found Hard inquiries that I never gave permissions and I afraid that this info may be stolen as well Here is details : XXXX  report : Date : XX/XX/2020 - XXXX  XXXX Date : XX/XX/2020 - XXXX XXXX XXXX  report : Date : XX/XX/2020 - XXXXXXXX XXXX Date : XX/XX/2020 - XXXX  XXXX  XXXX I need your help to fix that 3 ) Also, under my business XXXX XXXX XXXX ( EIN XXXX ) https : XXXX.do I have 7 opened loans but in fact I have just 1 with XXXX currently I want to remove others
Product: Credit card or prepaid card

Back in XXXX of XXXX I contacted Wells Fargo to see if I could lower my APR for my credit card. After being on the phone for over an hour I spoke with an Executive Leader to  negotiate a lower APR. At the end of the call, I was denied. I will ultimately have to close this credit card and open another one with a different bank if I can not renegotiate a better rate. In any case, my reason for writing this is due to the advice that I was given by an Executive Leader on the call. After I shared my excellent credit score rating ( monitored via FICO score by Wells Fargo ) and my history of paying on time since I opened up my credit card with Wells Fargo back in XXXX, I was advised to allow my credit card account to go delinquent due to failure of payment, let the Wells Fargo sell my account to a collections company and then negotiate paying 75 % -50 % of what is due. I was horrified and deeply offended that this was advice that a customer service representative was giving me. Especially since they have access to my credit score and my payment history with them and after clearly stating that paying on time and maintaining my high credit score were important to me. It was upsetting to hear this because most people in low-income households lack financial literacy. If this advice were given to them, they would have actually followed through with this terrible advice and had their credit score and history deeply affected by this. I called the next day after this happened to report this and was told that I would receive a call back to further discuss this matter. I also reached out to them in XXXX to discuss the same. I have not been given documentation of the original call or my complaints.
Product: Debt collection

The company SANTANDER continued to request payment for the Acura they had in their possession. They took the car and charged collection as though I still owned it. This is theft. Please advise.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

XXXX ) Date notices sent and due date too close, always notified of late payment. 

XXXX ) Also, interest rate WELL above reasonable ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has 2 addresses on my report that do not belong to me as well as 2 XXXX account that don't belong to me. The 2 addresses are : XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX, XXXX, TN XXXX I have never lived in Florida or Tennessee or used A XXXX card in any of those states. I have attached 2 of the XXXX accounts from my credit report. If you look at my credit report you will see I have good credit. There are 2 addresses and 2 accounts the have been on my report now since Covid and XXXX  has violated my Fair Credit rights over and over and they are getting away with putting what ever they want on consumer credit reports. I have asked for this to be removed 6 times now since XXXX and they keep sending a computerized report saying it belongs to me. I know for a fact they didn't do an investigation because I have never lived in either one of those states. They have not sent me any updated reports in the past 2 disputes. I have tried to file a police report about the accounts. It has been impossible and frustrating trying to get something done on the phone. I filed in 2013 because a man tried to open a bank account in my name. I have not been successful at filing a report because of Covid. We cant go to the station and they are not taking calls. I guess my issue is not that important. That left me to filing a complaint. It is already a challenge living in this Covid world but now it has given the credit bureaus more excuses to put inaccurate info on our reports and not correct it. This has caused me tremendous stress and has affected me from living my life because there is something on my report that doesn't belong to me. My chase credit cards were closed because of the 2 XXXX account and XXXX said I has 6 months to get it removed and they would restore my cards. Needless to say they have not removed them and it has cost me dearly. I worked hard to keep my credit in the high XXXX and I had that before the put those accounts on my file. I had my XXXX credit cards for years and because XXXX  didn't follow the federal law I have lost both my cards and they are ignoring that they can not connect me to either one of the XXXX accounts or addresses. I want these items removed from XXXX  and XXXX XXXX. XXXX  removed both accounts and Addresses after their investigation.
Product: Credit card

On XX/XX/XXXX of 2023, I went to the TJ Maxx Marshalls store and I purchased went to the counter to purchase some clothing and they told me my car did not work after looking and calling. They said that my account was closed. I did not receive any notice. No one told me anything I tried asking why they closed my account without any notice and they said that they they told me that the account was closed. My bill was paying on the monthly and then a month or two and then they started charging me saying that I was late on my payment and that I needed to catch up and I said well wait you guys close my account and cause me to be late and now youre charging me late fees so I thought that because of their lateness to notify me and no notice I dont feel that I owe this
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I contacted the Main company that allowed someone to apply for credit which cause XXXX XXXX XXXX XXXX CA to run my credit with over 20 different companies on XX/XX/XXXX. I spoke with the General Manager of XXXX XXXX XXXX XXXX CA dealership XXXX XXXX, and he did apologize and admits this was done in error, however these inquires remain on my report. I contacted each creditor and they were rude and not willing to take action in removing these inquires on my credit report that were all done on same day XX/XX/XXXX. In the result this has caused my credit score to drop and preventing me from having excellent credit. Below is a list of the companies that I have inquiries. 
XXXX XXXX Capital One Auto XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Please review and investigate Transunion for violating my civil rights, the truth in lending act, and me not being treated fair and equitable. I have been trying to receive at XXXX and www.transunion.com my reports on online. I have been intentionally denied without sufficient explanation or remedy. My last interaction was with XXXX, a mediation specialist. and XXXX consumer operations on XX/XX/2023 and they both said that i am restricted and blocked for both credit access websites mentioned above. 

I was told after insisting that there was suspicious activity and i am not allowed proper access to my credit accounts on these sites. They said that this matter is not disputable. I was told a supervisor would contact me at 72 hours. And it's been 30 days+. They have not verified or validate nor provide given sufficient reasoning and I don't feel it is acceptable to over-site agencies and definitely myself. I have been prevented from disputing any inaccurate information in a way that is convenient, timely. Not to mention Transunion blocking me violates my right to get online access every 7 days since COVID. I did ask that they validate or provide proof of alleged original application/suspicious activity bearing my signature and they have not been able to provide such proof. This is a violation of the Fair Credit Reporting Act and the disputed block should not therefore appear on my credit report if it cant be supported by evidence or proof. As a consequence, I have been denied for credit without recourse. 

I have suffered emotional, financial stress. I have also suffer loss of opportunities as result of this. More recently, I was denied for 2 car loans and can not get reconsideration because I don't have any access to these websites. I have suffered higher interest, higher premiums
Product: Mortgage

I have had a Mortgage Account with Suntrust Bank ( later Truist ) since XXXX. I have made timely payments since the initiation of mortgage. I have had automatic payments to my mortgage and credit card accounts since XXXX. Since the merger of BB & T and Suntrust, I have faced hardship on managing my accounts and payments including XXXX even though sufficient funds are available. Multiple calls to the bank authorities, have fallen on deaf ears. On or about XX/XX/XXXX, I was informed by XXXX that the credit card payment was denied. I called up Truist Bank to inquire and was informed that my account has been locked for security reasons and will have to go personally to a branch. I also received a separate message from Truist that the mortgage payment was denied. I paid a visit to Truist Bank - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX on XX/XX/XXXX and met XXXX XXXX XXXX Branch Manager. He was unable to explain why my account was locked. After struggling with the bank departmental authorities for almost 2 hrs, I was informed by him that the problem was fixed and informed me that automatic deductions/payments were reinstated. A mortgage payment was again made automatically in XXXX, XXXX. However in XXXX - XXXX no payments were made as there was a technical glitch at the bank. Subsequently, I was notified by mail and charged a late fee {$630.00}. I contacted the bank authorities and lodged a complaint on XX/XX/XXXX - Docket # XXXX and XX/XX/XXXX Docket # XXXX not only to fix the problem but also refund the late fee charge XXXX. The bank has refused to take responsibility for the technical glitch and refund the amount as well as to inform the credit reporting agencies regarding the problem so as not to tarnish my credit rating.
Product: Debt collection

I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. I do not recall any of these accounts. I need this problem fixed asap. I demand these accounts to be deleted immediately or I file litigation due to the stress you caused me. Section XXXX ( a ) it is plainly stated a failure to investigate these items XXXX days gives a reason to immediately remove those items from my credit report. I have a attached a cease and desist demanding them the items needed to validate till then those items have been brought about I will need this account to be deleted immediately.
Product: Credit reporting or other personal consumer reports

These accounts are no longer open, and their presence is affecting my credit profile negatively. Despite being in good standing, they remain on my report, and I have been unable to get Experian to delete them after several attempts. 

Below are the details of the accounts I am requesting to be removed : XXXX XXXX XXXX XXXX  XXXX opened : XX/XX/year>, Status : Paid, Closed/Never late. 
XXXX XXXX XXXX Date opened : XX/XX/year>, Status : Paid, Closed/Never late. 
XXXX XXXX XXXX XXXX  Date opened : XX/XX/year>, Status : Paid, Closed/Never late. 
XXXX XXXX Date opened XXXX XX/XX/year>, Status : Paid, Closed/Never late. 

Although these accounts were in good standing and fully paid, their continued presence on my credit report as closed accounts is unjustified and is adversely affecting my credit score. I kindly request your intervention to have Experian remove these closed accounts from my credit report to ensure accuracy and fairness in my credit profile.

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Mortgage

On XXXX XXXX I applied for a mortgage loan with Rocket Mortgage also known as quicken loans. Spoke with the loan officer the same night who told us ( myself and my partner ) that he didnt think wed qualify based on the information we submitted. Which was not much. He hadnt run credit yet or anything. I told him to take a second look because I had been previously pre qualified by another company. He then says ok please upload tax forms, w-2s etc. and Ill take a look. So we agreed. The next afternoon I went to upload documents and saw that there was ALREADY a denial in my files. He did not call or anything to tell us at all. The denial said was based off credit scores, which mine was in the XXXX and partners was XXXX. Which are not bad scores at all. And also stated excessive debt and we have NO debt. So I really feel he just didnt want to do the work at all. I explained to someone else from the company who reached out to us to follow up for some reason, the whole story of what happened and he could not apologize enough for the whole situation. Said hed take a look into it and see what happened. I received at least 3 calls a day from them after that about how we actually could qualify. But by that time I was insulted and done with the company. I have supporting documentation to include.
Product: Credit reporting or other personal consumer reports

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2021, and XX/XX/2021. There was an error on their part. I was never 30 days late twice.
Product: Debt collection

On XXXX XXXX I noticed an amount of {$320.00} that was garnished from my paychecks. Regarding an Earnings withholding order from XXXX XXXX. I was unaware of this credit card being opened under my name.
Product: Credit card or prepaid card

Chase is reporting two accounts that are very old. I have requested payment history directly from the company and what they send is nothing more than a generic letter. I need the full history because the two accounts I believe to be past the statue of limitations. I need the full transaction history for both account number ending XXXX and XXXX
Product: Mortgage

XX/XX/XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Loan Number XXXX PHH Mortgage Services Escalations Department 1 Mortgage XXXX XXXX XXXX, NJ XXXX XXXX XXXX, XXXX XXXX XXXX, We are submitting a application for mortgage assistance per our instructions from the customer service representative. We applied for mortgage assistance last year and was granted a trial modification without any supporting information. After requesting not receiving supporting information PHH set an appointment for us to discuss the details with our escalations manager XXXX XXXX XXXX, which we were told upon scheduling the meeting XXXX would provide. We were left without the information we needed to move forward and we are still trying to receive the missing information. Although we scheduled time with XXXX she was not available and the representative that called instead of XXXX had absolutely no information to share with us. We have been fighting to maintain our property, we have carefully submitted the information requested by PHH in a timely manner. 
My hardship started during the banking collapse in XXXX I have struggled to gain adequate employment. My employment difficulties has place a huge burden on me and my family. I have secured my insurance license and agency with earn potential to meet my obligations as I once did prior to my misfortune. 
In closing, we are asking for mortgage assistance however that looks, after reading options from PHH we are 100 percent positive that given an opportunity we can meet our responsibilities moving forward, creating a winning solution for both parties. Time is of the essence there is a sale date of XX/XX/XXXX. We are asking that you work with us to salvage this damaged account. If there is any additional information needed please do not hesitate to contact us. 

Genuinely, XXXX & XXXX XXXX C.C. CFPB C.C. HUD
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX XXXX XXXX Bank ) for reporting inaccurate late payments on my credit report, with account number XXXX despite having applied my payments on time. This has severely impacted my XXXX XXXX and resulted in the wrongful closure of my account. 

Key Issues : Incorrect Late Payments Reported : XXXX XXXX falsely reported a XXXX late payment for XX/XX/XXXX and a XXXX late payment for XX/XX/XXXX to the credit bureaus. 
However, according to a letter I received from XXXX Bank ( dated XX/XX/XXXX ), my payments were applied correctly and should not have been marked late. 
This directly contradicts the negative marks on my credit report. 
Violation of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty to Provide Accurate Information : Credit furnishers must not report inaccurate information to credit bureaus. 
XXXX Banks own letter confirms that my payments were made and applied correctly, yet they still reported late payments. 
15 U.S.C. 1681s-2 ( b ) Duty to Investigate Disputes : When I disputed the incorrect late payments, XXXX Bank XXXX XXXX properly investigate and correct my credit report. 
Their failure to update the bureaus despite confirming my payments violates federal law. 
15 U.S.C. 1681e ( b ) Duty of Credit Reporting Agencies to Ensure Accuracy : XXXX, XXXX, and TransUnion have continued to report the false late payments even after I submitted proof that they were incorrect. 
Unjustified Account XXXX : As a result of these inaccurate late payments, my account was closed by XXXX XXXX, further damaging my credit profile. 
This was an unfair and punitive action that would not have occurred had they reported my payments correctly. 

Evidence Supporting This Complaint Letter from XXXX Bank ( XX/XX/XXXX ), confirming that my payments were applied correctly and should not have been marked late. 
My Experian credit report ( XX/XX/XXXX ), which still shows the incorrect XXXX and XXXX late payments. 
Payment history records proving that my payments were made on time. 
XXXX Banks own documentation confirms my payments were properly applied, yet they continue to report false late payments to the credit bureaus, directly violating the FCRA. 

Legal Precedent Supporting This Complaint XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX Mich. XXXX ) The court ruled that failing to correct false late payments after receiving evidence of timely payments constitutes an FCRA violation. 
XXXX Bank is liable for the same failure in this case. 
XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Credit bureaus must take steps to verify and correct errors when a consumer disputes incorrect information. 
XXXX, XXXX, and TransUnion have failed to meet this obligation. 
XXXX XXXX XXXX Banking XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) A creditors failure to investigate and update disputed information can result in liability for damages. 
XXXX Bank failed to correct the late payments despite acknowledging the payments were received.
Product: Credit card or prepaid card

Synchrony bank care credit opened an investigation on a card opened fraudulently in my name. During this time I was hospitalized over an extended period of time. Their investigation proved that was a fraudulent application. I produce proof to synchrony bank, XXXX  and XXXX. It has still not been removed