23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear CFPB : This matter is INCREDIBLY time sensitive. SunTrust Mortgage is preventing my wife and I from attaining a home loan. They have misreported our credit in XXXX major ways, which is creating a hard-stop from us putting an offer on the home of our dreams. They have been largely unresponsive, have lost documents, refused to cooperate, been outride rude, indolent, slow-moving, and incredibly difficult to reason with. 

Overview of Situation : We obtained a loan from SunTrust Mortgage in XXXX of XXXX. SunTrust thinks we were foreclosed on, when in actuality we completed a successful short sale with them on XXXX XXXX, XXXX. They erroneously reported this transaction to the credit bureaus as a foreclosure and will not remove it. In addition, they reported to the credit bureaus that we have a 90 day late on a mortgage as of XXXX XXXX. This is absurd. We did n't even have a mortgage with them in XXXX. Everything was complete via a short sale in XXXX. We have been renters since XXXX. 

We have provided SunTrust with the information that clearly shows they were in error so that we could obtain a pre-approval letter from our lender and purchase a home to raise our son in. All that we asked for from SunTrust was : 1 ) a letter stating that they did not foreclose on us ; it was a short sale completed with settled deb and that we were never late in XXXX, as we had already sold the home and were renting 2 ) Contact the credit bureaus and re-report this information. 

The below documentation was provided to SunTrust 's loss mitigation department and Mortgage Escalation Group : The HUD-1The short sale settlement and acceptance letter sent to us by SunTrust Mortgage in XXXXThe Grant Died that shows when then transaction was completed and the final dispersement from title that shows the money paid in full to all parties. 
The Closing Statement from escrow that outlines the entire transaction. 

Our credit report that shows the 90 day late that SunTrust reported to the credit bureaus in XXXX of XXXX, when we did not even own a home. 

After countless hours invested in trying to reason with SunTrust 's loss mitigation department and providing them all of the documentation they need to prove that we executed a short sale with them in XXXX, we received a letter in the mail on XXXX XXXX stating that SunTrust had completed its investigation and they are correct ; we are wrong. The matter was even turn over to SunTrust 's " Escalation Group '' to no avail. XXXX in the escalation group conceded that they only had XXXX staff members and were behind. I begged him to look at our case because of the timing issue of putting an offer in on the house. My begging accomplished nothing. 

The lack of information and sensitivity to a very time sensitive home purchase, as a result of SunTrust 's egregious servicing practices, has directly and solely impeded our ability to buy a house. They are like talking to a wall. They have hung us out to dry and we have zero recourse. 

Sincerely and Regretfully, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian lists an account XXXX XXXX that is riddled with inaccuracies. My name is incorrect, the balance history is erroneous and 2 late payments are wrong. I have submitted dispute letters to Experian several times including correspondence with the creditor that states that I was not late as listed on the report. I would like all inaccurate information deleted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - Please delete this item immediately. 

XXXX XXXX XXXXXXXX - Please delete this item immediately. 

XXXX XXXX XXXXXXXX - Please delete this item immediately. 

XXXX - XXXX - Please delete this item immediately. 

XXXX XXXX XXXXXXXX - Please delete this item immediately. 

XXXX XXXX, Experian, and XXXX have 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 or 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 data is inaccurate.
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts and late payments off my credit file from XXXX, XXXX, and TransUnion immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX  XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$110.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$6800.00} I FILE A FTC REPORT AND NOTIFY TRANSUNION XXXX XXXX ABOUT THE FRAUD ACCOUNT LISTED ON MY REPORT. IT TOOK LONG THAN 30 DAYS AND STILL NO RESPONSE ARE REMOVER OF ACCOUNT.
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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I have a credit card from capital one bank for many years they restrict my account because of a " fraud issue '' I waste my time going to the bank branch and the manager call custome service directly after sent all the information they said will take upto 3 days has been more than XXXX months and capital one is reporting as negative in my credit report. Every time I speak at the customer service they make me send my personal information again and it 's not resolve yet!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

After applying for XXXX XXXX, I was told I would go through a background check. The company that issued the background check was HireRight. One of the employers I listed was XXXX XXXX. I listed that I worked there from XX/XX/XXXX to XX/XX/XXXX. I also listed that I went by my maiden name while working there and that the company is also known as XXXX XXXX because XXXX XXXX was bought out by XXXX  XXXX. Well instead of HireRight looking up XXXX XXXX first, the background specialist looked up XXXX  XXXX and didnt find anything. They reached out to me regarding the situation and I wrote emails and called several times to explain the two different names. HireRight never ran a verification for XXXX XXXX with my maiden name and date or birth.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX ...., XXXX  XXXX XXXX ....
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX Reported a Derogatory 90 day late on Parent Plus Loan. 
My Phone Number changed - there was NO confirmation of email from me until today XXXX when i spoke with XXXX and then her supervisor XXXX and advised them of email and correct phone number. I never received a XXXX postal letter to advise me payment was missing. XXXX XXXX  waits XXXX days to report to the Credit repositories and reduced my credit fico score by XXXX Points. i ONLY found out of this issue from XXXX XXXX on last XXXX when i received an email at XXXX pm stating my Credit score had changed. 
i am a XXXX XXXX and have XXXX XXXX Payments with a XXXX Fico ( i have excessive usage of credit this month and will reduce my debt to lift my score back into the XXXX range as it has been for the previous XXXX XXXX XXXX years. My Daughter is a XXXX XXXX XXXX XXXX XXXX and i was advised the loan was forgiven due to her service to the Community. 
i would have reached out to XXXX XXXX XXXX XXXX XXXXn had i Felt anything Different. 
i would NEVER risk my LIVELYHOOD as a XXXX XXXX. Please advise the removal of Derogatory & late fees and i will provide the full {$5800.00} via bank account upon your response. PLEASE understand this action will cause me to lose my Business. Your response and attention to correcting this unfortunate act are Sincerely Appreciated.. 
I have a copy of the XXXX with NO Phone Number- this is unfair had XXXX XXXX reported as a 30 day late i would have received the notice from my other Creditors advising a change in my XXXX Score and would of had the Fair Ability to correct the Perception that i allowed a debt to remain XXXX days in Arrears WITHOUT ANY ACTION on my behalf.. I Have additional documentation supporting NO Yearly Addendum was Provided and No communication or Action was EVER Reciprocated on my behalf. although my home phone number and home Address were correct and provided in XXXX XXXX File .. i also advised the supervisor " XXXX XXXX at XXXX XXXX i would make FULL PAYMENT IMMEDIENTLY with removal of the Derogatory LATE payment reporting .. his response was he did everything " RIGHT '' and could NOT remove the LATE REPORTING because it WAS CORRECT when it was reported. EVEN When i told him the Phone number being called was Not in Service. the loan was consummated XXXX .. as a professional i would have been aware the loan was in arrears after XXXX days with proper reporting XXXX a XXXX DAY report. 
ALL MY VERY BEST, XXXX XXXX XXXX XXXX
Product: Student loan

I have been paying thru garnishment of wages for a loan that had a amount due on {$18000.00} as of XXXX XXXX 2012 based on a order to withhold from earnings. The payments have been going to Performant Recovery as of today my employer approached me and gave me a summary of payment showing they have paid {$18000.00}. upon calling performant they are saying I still owe {$4000.00} and this will accrue interest of {$65.00} per month. 

I employer said it has been paid, please help performant will no negotiate I tried offer a settlement payment they would not accept.
Product: Credit card or prepaid card

Have 3 accounts with capital one 2 since XXXX ,1 since XXXX.2 are currently paid off 1 has balance of {$1400.00}. I called today XXXX to inquire on reason variable apr rates had never been lowered. I have excellent payment records. I spoke to a representative and manager.  The information was rates were not able to be changed indefinitely. I could call back periodically and see what could be done but I had no dates or anything. I was told it was because of quarterly prime rates issued by the government. So I guess I call everyday to see if it has changed. How will I ever get interestschanged
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a credit repair letter to Transunion on XX/XX/2022. The letter stated that Transunion went against my rights and I put inside the letter that they would send me this exact letter about me using a credit reporting agency, in fact, no law states that I am not able to use a credit reporting agency I provided TransUnion with the following statement below in my letters and they sent me back the attached mail. This is no excuse not to process my documents and I demand they dispute the items that I listed within 30 days or immediately take the disputed items off my credit report. 

" I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened the following credit card accounts XXXX XXXX, XXXX card in XXXX. XXXX credit card in XXXX, consolidation capital in XXXX all without my knowledge. I have called these banks several times but they did nothing about it. 

Here are the balances : XXXX XXXX - {$1700.00} XXXX {$4600.00} XXXX- {$480.00} XXXX XXXX- {$500.00} I reached out to these banks and all the credit reporting agencies several times to delete these accounts but they did nothing about them
Product: Vehicle loan or lease

I have reached out to US Auto sales numerous times in regards to my car extended warranty that was apart of the car note. They have directed me to another company and the company shares they will not be completing any warranties. There is no resolution about the money that is tied into the loan, no refund nothing. I purchased the vehicle on behalf of having a warranty when something goes wrong with the car. Now I cant get the car serviced without the warranty that I am paying for every month, but cant use.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022 I WENT TO THE DEALERSHIP TO INQUIRE ABOUT GETTING A NEW CAR. I WAS APPROVED THROUGH XXXX  XXXX XXXX FOR MY NEW CAR. I WENT HOME AND VIEWED MY CREDIT REPORT AND NOTICED SEVERAL HARD INQUIRIES FROM COMPANIES I DID NOT BENEFIT FROM. I ACTUALLY REACHED OUT TO THE COMPANIES ONE IN PARTICULAR NAMED GM FINANCIAL AND TOLD THEM TO REMOVE THE INQUIRY BECAUSE I DID NOT BENEFIT FROM THEIR COMPANY AND THAT I HAD ALREADY GOTTEN A CAR LOAN THROUGH ANOTHER FINANCIAL INSTITUTION. GM FINANCIAL REPLIED THAT THEY WERE NOT REMOVING THE HARD INQUIRY FROM REPORT.
Product: Credit card or prepaid card

Capital one card was opened in my name fraudulently in XXXX. I emailed capital one a police report in XXXX and XXXX. I am still being billed even though I have a completely different address and live in another state
Product: Debt collection

I am aware that according to article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with The CBE Group ) and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. 
As of XXXX XX/XX/2023, I have not received any documentary evidence such as a trilateral contract giving The CBE Group any right to collect on this alleged debt. I have never received any documentation requesting validation from The CBE Group before they committed multiple violations under the FCRA & the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 USC 1692 ( d ) ( 4 ) which the FTC defines as debt parking.

If The CBE Group can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until The CBE Group can provide me with sufficient documentary evidence that I have any legal obligation to pay them. 
If this documentary evidence can not be produced and The CBE Group continues its collection efforts, I will file for litigation for actual damages caused and The CBE Group will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud.

Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. 
Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXXXXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had turned in my lease early to XXXX in XX/XX/2019. The initial bill I received after turning over the vehicle was in mid XX/XX/2019. Over the next few weeks I was in direct contact with KIA Motor Finance and we came to a settlement agreement that I could XXXX and the rep on the phone as well as the settlement paperwork stated I had till a certain date to Pay. The rep also reassured it would not affect my credit if I made the payment by then. I upheld my end of the agreement making the payment in the agreed amount The very next day they reported to the credit reporting agencies that I was 30 days late and then again a few days of weeks later they reported I was 60 days past due all after I had made my payment. I called numerous times requesting they remove it and wrote letters asking they update my credit report to show I was not past due qe had an agreement in place and they have not. Recently I reached out to XXXX and requested the record to paid as agreed and removed the XXXX 60 days late which they agreed they only updated the paid as agreed status still not Removing that I was XXXX to 60 days past due. The credit reporting agencies I reached out to all of them did not resolve My dispute.
Product: Checking or savings account

Deposited XXXX into my chase checking account at the ATM and next day tried to take it out and received a technical error and cash deposit still showed as pending. Next day samething and this time my debt card was suspended, called fraud department and customer service verified my information and they took the restriction off card and said everything should work fine. Went to do a transfer through chases XXXX pay app and it locked my account and my access to online banking. Was told couldn't be done over phone would have to come to branch. 
Twice in one day for trying to take my money out is very frustrating especially when it's needed.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : TXXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

XXXX XXXX XXXXXXXX filed a collection. I had filed police report and froze my social security number. Also filed filed with Federal Trade Commission and it was removed couple of years ago but XXXX put it back on my report. This is fraud as someone used my social security number. I had to unfreeze it because I lost my home in hurricane Ida and I had recently retired. This account is not mine and someone stole my information.
Product: Credit card or prepaid card

Someone is trying to open a credit card with a line of credit for XXXX With citizen world Fraudulent