23daVinci/CFPB_Complaints huggingface dataset:
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 willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX Balance : {$12000.00} ; XXXX  XXXX Balance : {$1500.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

I closed my checking account 1.5 YEARS ago, they said they were sending me a cashiers check for the remaining balance which is about {$1500.00} but nothing, since then I have called numerous times for 1.5 years now. every time I call them, they put me on hold at least 2 hours, transferring me to different departments and at the end they tell me either they will send me a replacement check or the department handles this doesn't take calls and they will call me back and I never received the check or any calls from them and I am out of my patience. I have spent AT LEAST 50 hours waiting on hold and being jerked around. I just want my hard earned money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA, facially false data being included on consumer reports in violation of section 607 ( b ). Bryant v. TRW, Inc Section 607 ( b ) of the FCRA provides that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. his company continues to make bad faith and erroneous reporting LATE PAYMENT HISTORY ON THE FOLLOWING ACCOUNTS XXXX XXXX XXXX WAS NEVER LATE XXXX XXXX XXXX  ACCT- ACCOUNT WAS NEVER LATE XXXX XXXXXXXX - ACCOUNT WAS NEVER LATE
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has deleted '' XXXX XXXX XXXX '' due to it's innacuracy and it not being my account. '' XXXX XXXX   XXXX XXXX XXXX XXXX '' is a different name same account number as '' XXXX XXXX XXXX '' both accounts have the account number XXXX. One has been deleted due to wrong innacurate and fraudulent reporting that would be '' XXXX XXXX XXXX ''. But " XXXX XXXX XXXX XXXX XXXX '' is another name and has the same account and account number and has not been been deleted. I have written both Equifax and " XXXX XXXX  XXXX XXXX XXXX ''. About this issue and neither one has deleted this fraudulent irroneous account that does not belong to me.
Product: Credit card

TRUIST BANK denied XXXX XXXX XXXX XXXX XXXX  their credit and credit card on XX/XX/2023 unlawful. We email TRUIST BANK to Forward to XXXX XXXX XXXX, CFO of TRUIST BANK email sent. 
Requested Return receipt when XXXX XXXX XXXX receives email and Correspond through email. 
Never received a response from TRUIST BANK or XXXX XXXX XXXX
Product: Debt collection

My credit score was decreased by XXXX due to a medical bill collection being added to my credit in the amount of XXXX which is a dead I do not believe I owe company did not verify it haven't been to any emergency rooms in XXXX Texas
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had so many issues with EQUIFAX that I have sued in court and I have a court date on XXXX concerning the myriad of issues. I am now complaing how EQUIFAX reports my information to potential loan creditors. I recently applied to XXXX for a loan. Despite having a score of XXXX. I was turned down EQUIFAX reported that I have delinquencies and inquiries. The inquiries in question are for myself shopping around for a mortgage refinance. Therefore this should not have been reported as such. Inquiries such as this are viewed as 1 inquiry. In addition on my EQUIFAX report they have some of the same inquiries twice. 
They have reported that I have delinquencies. I have none. 
EQUIFAX has people who work for them who are changing information in peoples credit reports for retaliation. They are Doing this at the behest of persons in different lodges and communities. They are letting people sabotage peoples lives by tampering with the report. EQUIFAX employees has changed the birthdate on reports or added delinquent accounts back on after they have been deleted. My Birthdate was changed, after no issues in my entire life with EQUIFAX. They refused to change it until I got help from the CFPB. There is no way that someone birthdate should be changed after many years unless it is foul play. 
EQUIFAX continuously causes me to be turned down for credit despite the fact that my score is XXXX and I was recently approved for a XXXX car loan by XXXX XXXX XXXX XXXX. I cant even get a XXXX $ loan because EQUIFAX reports severe delinquency even though this is not true. 
I am asking again to investigate why this us happens
Product: Student loan

On XX/XX/XXXX I began the Income Driven Repayment Plan application. I was placed on Forbearance for this, via a notification from Mohela on the same day. On XX/XX/XXXX, I received a bill for interest and fees, the letter that I received in via their app was dated XX/XX/XXXX, also this was despite Federal legislation that was passed not requiring the borrower to pay anything until XX/XX/XXXX due to XXXX and also that this type of Forbearance does not require the borrower to pay interest. 
Then on XXXXXX/XX/XXXX, I received a letter in the Mohela app dated XX/XX/XXXX telling me I had been placed on Administrative ForbearanceXXXX XXXX days later on XX/XX/XXXX I was informed of a " Correspondence Processing Delay '' and told no action is required on my part ( this was received in my Mohela app inbox on XXXX  ). 
On XX/XX/XXXX and XX/XX/XXXX I was sent back to back notifications once again telling me there was a " Correspondence Processing Delay '' with the same information as the first letter. 
On XX/XX/XXXX a statement showing I owed {$0.00} was sent to my Mohela app inbox. ON XX/XX/XXXX I was sent another letter letting me know they received my PSLF application and it would be about 30 days to process. 
On XX/XX/XXXX I was sent a " student loan interest '' bill stating I owed {$0.00}. On XX/XX/XXXX I received the first update on PSLF. 
On XX/XX/XXXX ( XXXX days after my XXXX dollar bill ), I received a bill for {$560.00}. 
On XX/XX/XXXX I was informed that I was being placed on Forbearance during processing AGAIN, despite I was never taken off. 
On XX/XX/XXXX I was sent a notification that I was approved for the XXXX plan and my bill would be {$200.00} starting.- I am still on Forbearance for Consolidation application. 
On XX/XX/XXXX I was sent the confirmation that interest would not be capitalized. 
On XX/XX/XXXX I was sent a bill for {$760.00}, including a passed due balance of {$560.00}? 
I reached out to Mohela on XX/XX/XXXX and relayed all of this information. Being I was on XXXX, my last XXXX said I owed {$0.00} etc I did not hear back. I did however recieve past due reminders. 
On XX/XX/XXXX I received a bill for $ XXXX I contacted them again. No one has responded. 
I am incredibly concerned that this will ruin my credit. I was just taken off of Forbearance after my Consolidation application was approved about 10 days ago. I shouldn't have a bill more than the {$200.00} due XXXX month from being taken off of XXXX. No one will answer me. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter via postal mail disputing a few inaccuarte accounts i found on my credit report after reviewing it. XXXX replied that it was a fraud dispute. I am not going back and forth with XXXX about MY CREDIT. It has been almost two months. I feel they 're LAZY and do n't want to do their job. Same goes for the other credit report agencies. I have also personally disputed these accounts with the collection agencies no response. 
1. XXXX XXXX # XXXX I have never done business with this company nor have i been contacted by this company. Please remove. 
2. XXXX XXXX XXXX XXXX XXXX I have NEVER done business with this company. 

Also XXXX XXXX is reporting late payments and I 'm sure i was NEVER late the months being reported. 

I also see a few medical bills. I am embarrassed that a collection agency has access to MY medical information. How is this even legal? Do they have a medical release form? The following accounts needs to be removed ASAP. I am not asking for a dispute but demanding removal. 
1. XXXX XXXX # XXXX 2. XXXX XXXX # XXXX 3. XXXX XXXX # XXXX 4. XXXX XXXX # XXXX CFPB I 'M SURE YOU CAN AGREE WITH ME THAT THESE COMPANIES HAVE HAD MORE THAN ENOUGH TIME TO INVESTIGATE THESE DISPUTES SO THERE SHOULD BE NO REASON FOR A " WE NEED MORE TIME RESPONSE ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was compromised via data breech. Someone got a hold of my information and tried to apply for an auto Loan. Car loan and credit cards. These inquiries are due to Fraud. I have spoke to XXXX XXXX   and Transunion about this issue but they refuse to fix it. I should not be held liable for identity thief information. I am seeking your assistance in having the credit bureaus remove these information. 
XXXX XXXX Ran XX/XX/2018 XXXX Ran XX/XX/2018 XXXX XXXX XXXX Ran XX/XX/2018 XXXX XXXX Ran XX/XX/2018 XXXX Ran XX/XX/2018 2018
Product: Money transfer, virtual currency, or money service

I have a paypal account and now they limited me for 180 days, time in which I can not withdraw money or close the account and after that time they are going to close my account and to withdraw the money I have to do it to an account in the US, I do not have an account in the US because I am a resident of another country. On the other hand, the company tells me that the problem is that they are reviewing my sales and I have never been sold by paypal. If they are going to close my account because they do not let me take out the money and that's it?
Product: Checking or savings account

Direct deposit was sent Wednesday by my company and I have yet to receive. Only are told we are working to resolve technical problems and expect services to be restored through Friday. 

It Friday XX/XX/year> at XXXX est and I have yet to see any funds.

If this is a technical issue you can provide an accurate eta, even if your milking our deposits for additional interest. Just tell us when we will have our deposits with an exact date and time. Stop dancing around the issue, youve lost this customer indefinitely.
Product: Credit card

There Is Fraud On My Credit Report. Things Ive Never Done In My Life. Ive Never Applied For More Than One Credit Card.
Product: Debt collection

XXXX XXXX XXXX called my job requesting payment on a bill I do not even owe. The company keeps changing their number and calls my job and cell phone constantly. I do not owe the debt they are trying to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I had mail stolen and the suspect attempted to open an account with XXXX XXXX  on XX/XX/XXXX. I contacted XXXX XXXX and they immediately closed the application and said the inquiry would be removed from my Transunion credit report. I contacted them again in XXXX when the inquiry was still on my report and they said it will be taken care of within 30 days. It remains on my credit report to this day. 

I contacted Transunion and disputed the inquiry and their investigation determined this was accurate and did not remove it. I filed a follow-up complaint Transunion never responded to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to deal with Experian going on 54 days where I have called MULTIPLE times and have been left holding for up to XXXX hours and XXXX mins and then the phone just hangs up or in situations where I am currently on hold as I am writing this complaint once I reach someone they say they are going to transfer me to the right department and then I am left on hold again. I am currently speaking to XXXX XXXX ID # ) who indicated : that they have the FTC complaints and police report, yet they do n't have the information from XXXX Bank and that she would try to get them on the phone. Now seeing as it took me almost 3 months to get them to provide the information correctly its not a surprise that capital bank now has no records of the form that was sent to me on their letterhead indicating that they were as a system error. So Experian is trying to make it seem as though they have done their job which they have n't The issue is that I have not only mailed, faxed and uploaded the documentation showing that the collection account on my report is fraudulent and should be deleted/removed but also there is a revolving credit account XXXX capital bank ) that has ( XXXX ) XXXX late indicators present that should based on documentation sent to their office. Yet after 30 days the information was not corrected, I resubmitted the documentation a total of 3 times and we are approaching 60 days more than double the required timeframe under the FCRA and yet my report still has the inaccurate information present. I have spoken to various reps and supervisors that have indicated the documentation I sent was being reviewed and that the accounts would be updated. Yet here we are and it still has n't been corrected. This will be the last attempt before I file suit against Experian for FCRA violations and seek damages, as I am currently suing XXXX for not only the security breach but the same issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been seeing on my credit report and account i have with  XXXX   XXXX   XXXX  has been showing negative. i did make a late payment for the first time since i had the card in  XXXX     2016  but never missed any payments since and have aleady paid  XXXX  bill and not due until the  XXXX .  XXXX   XXXX    XXXX   is blaming the credit transunion and transunion is blaming  XXXX   XXXX
Product: Checking or savings account

I had a checking account with Chase bank for many years. Without any given reason, Chase closed my checking account and refuses to return back to me my account balance of {$730.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Through Equifax 's negligence, I have reason to believe credit report data on myself was obtained by unauthorized entities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone tried to an open account on XX/XX/2022 and XX/XX/2022 with my personal information and it wasnt me. It was identity theft and fraud. Ive contacted the credit bureaus, and I put a freeze on my credit. Ive also contacted XXXX. My next step is to get a police report.
Product: Payday loan, title loan, or personal loan

Tower Loans keeps calling me. All phone calls are recorded on the government phone calls. Harassing phone calls at work everyday, on a federal government line. I can be contacted on my cell number at XXXX. Call received on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX. Threating with wage garnishments.
Product: Credit reporting, credit repair services, or other personal consumer reports

These 7 accounts ( attached ) were first opened in the XX/XX/1980's. I have been enrolled in several different payment plans and I have never once been late. ex : After I would complete a 12 month plan then I would receive information from so many different collection agencies instructing me that my account had been transferred and that I would be notified by mail whom the next collection agency would be. I always kept up my end of the bargain. Keep in mind I was always asking for deferment, constantly explaining my hardships. However, I completed every payment plan they set me up on and I believe it was a total of 3 - 5 maybe. I have been on a income based repayment plan for several years ( attached ) and I don't think its fair to continue to report this to the credit bureaus. I can not rent an apartment or even think about getting a job because this bad report keeps showing up on my credit. 
Furthermore ; these loans are from me attending several schools ; XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Product: Credit card

I applied for a credit card from Truist Bank and I was denied due to what I believe was clear discrimination against me the adverse action taken against me has cause me XXXX and XXXX XXXX I operated in good faith and was discriminated against as well as my federal protections under numerous federal laws were clealy violated
Product: Credit reporting or other personal consumer reports

I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The persistence of these fraudulent items is unacceptable and necessitates immediate, effective action. Each attempt has either been ignored or inadequately addressed, resulting in the continued presence of fraudulent items that undermine the integrity of the process. Therefore, I am pleased to ask for your assistance to remove immediately these fraud items in my credit file. The following items should be deleted as they are fraud in my credit file : XXXX  XXXX XXXX Balance Owed : {$2800.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$480.00} ; XXXX  XXXXBalance Owed : {$590.00} ; XXXX  XXXX XXXX Balance Owed : {$4100.00} ; XXXX  XXXX Balance Owed : {$1000.00} ; XXXX  XXXX Balance Owed : {$100.00} ; XXXX  XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXX Balance Owed : {$190.00} ; XXXX XXXX  XXXX Balance Owed : {$6000.00} ; XXXX  XX/XX/year> ; XXXX  XX/XX/year> ; XXXX XXXX  XX/XX/year> ; XXXX XXXX XXXX XXXX, TX ; XXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX  XXXX Balance Owed : {$2700.00} ; XXXX  XXXX Balance Owed : {$480.00} ; XXXX  XXXX XXXX Balance Owed : {$4100.00} ; XXXX  XXXX Balance Owed : {$1000.00} ; XXXX  XXXX XXXX XXXX Balance Owed : {$3100.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX  XXXX Balance Owed : {$960.00}.
Product: Credit reporting or other personal consumer reports

Ive filed many complaints whats the point? 
Ive sent experian all documents they asked for verification yet its still inquiries and negative things on my report All credit reports must match yet XXXX is the only one showing the right information ( nothing on my credit report )
Product: Debt collection

I, XXXX XXXX hereby files a complaint to clear my name with two creditors that need to take an identity theft matter seriously. I have attached to this complaint copies of my original complaints on both creditors. The responsible party for this identity theft was my own father. I should not be penalized for his actions, and for that matter I did request copies of all original creditor contracts that were fraudulently signed with my name. I never received any credit cards from either creditor, and I never knew the accounts existed until I was notified that these credit cards were in default after they were maxed out on credit limits. It does not matter to me if this identity theft is turned over to the proper legal authorities, as what is important is that the truth must be exposed. 
Accordingly, all fraudulent accounts must be deleted from my credit reports permanently. I did receive notice on one of the deletion pages from XXXX whereas State Farm stated that they reviewed the creditor documents, and that there was sufficient evidence showing that I was the signing party, and the person responsible for payment. This is a complete fabrication. Therefore, I have no choice but to file a complaint with XXXX as well as every credit reporting bureau that the investigation process mandated by the subscriber agreements signed by creditors is being ignored. Each creditor must comply under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act under the subscriber agreement upon. Therefore, I file this complaint with the Consumer Financial Protection Bureau to fulfill the agreements between creditors and credit bureaus. 
All the complaints must be taken seriously, and my rights must be protected. All accounts must be deleted permanently from my credit bureaus, and I must be given notice that my name and social security number have been purged to avoid future collection activities, either by the creditors directly or any associated collection agencies. 
I will obtain legal counsel if necessary as these violations on my rights have caused me great financial harm as well as mental and physical problems. These accounts must be deleted permanently, and my name and social security number must be purged immediately.
Product: Mortgage

My name is XXXX XXXX. I own a home at XXXX XXXX XXXX XXXX XXXX XXXX Texas this house was bequeathed to me by my grandmother our family has owned it for XXXX generations. 5 years ago my Husband, who is serving a XXXX in the texas prison system, filled out an application using my name and my credit and my home and received a XXXX line of credit under the rules of a home equity loan from XXXX XXXX XXXX. He closed on this loan without advising me anywhere along the way. I never signed the application, the approval, the closing documents, I never received the cash nor did I attend the closing. They were all forged. I was not aware of this until the loan was transferred from XXXX XXXX XXXX to XXXX mortgage servicing llc. When he did not make payments on the loan., I attempted to explain this to XXXX . They took a application for a loan modification and said they would look into it. 60 days ago, after stalling for 2 years, they sold the loan to BSI Financial Services XXXX XXXX XXXX, XXXX XXXX XXXX Texas XXXX. BSI stated they would never give a loan modification. I filed the paperwork to apply for a modification anyway and they processed it. Without sending any notification I writing to me, they started a foreclosure against my home with a sale date of XXXX XXXX, 2016. When I asked my case manager why he did this, he stated that they turned me down for a modification. When I asked for an appeal process he ignored it. I was not allowed to go through the process of appeal per the 30 day rule. I sent a new package int XXXX XXXX and while it was in process he stated that they were going to foreclose regardless, but they would look at the paperwork. Today I received a letter that even though they were in violation of the dual tracking rules. I told the case manager, XXXX XXXX, about the violation and they said they did not have to follow it, I mentioned that I never got a judge 's order recorded to allow the home to be foreclosed on and he stated that BSI stripped the mortgage and and did not need any permission to foreclose. 
this violated the Texas rules of civil procedure, the Home equity lending rules and the CFPB law about dual tracking. he would not even discuss the forgery. this complaint conerns the original application and forgery the settlement process of this loan without me signing or being present, the modification process and the foreclosure process.