23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Recently the company ( Suntrust Mortgage ) changed the format of the web site that I use to manage my mortgage payments to them. The explanation that was provided to me for the change was that Suntrust Mortgage was converting to being a bank. From my standpoint the modification of the website to facilitate this change led me to make several calls to customer service for help in accessing the site to make my payment on line.While talking to the customer service reps one of them revealed that she was in the XXXX serving as a customer service rep for Suntrust Bank.This is very troubling to me in that every time you speak with one of these people they request ID verification Name, address, Soc Sec #, and responses to security questions regarding my past employment history and past addresses.I have been the victim of several thefts of my identity from data bases of companies and govt agencies that claimed they were hacked into by foreign operatives.So how secure is my personal data with Suntrust Bank 's customer service reps in the XXXX.Why does our govt allow american business 's to do this.This is my complaint : Suntrust Bank is putting me at great financial risk by putting my ID information in the hands of non-citizens that aren't even located in this country
Product: Credit reporting, credit repair services, or other personal consumer reports

The I am frustrated to see that the Experian and XXXX Credit Bureaus had done nothing to correct my Credit File despite the multiple written letters and complaints addressed to them. The Experian and XXXX Credit Bureaus ignored my written appeals and neglected to comply with the Fair Credit Reporting Act Section 605b. Once again, I was a victim of Identity theft and the accounts I am disputing were the results of such crime and I never received any benefits resulting from the theft of my identity. The last letter I sent to the Credit Bureaus was XX/XX/2022 appealing to them to remove the fraudulent items from my Credit File. Upon checking my updated Credit Report dated XX/XX/2022, the disputed accounts are still reporting. It has been drawn out into the open that the Credit Bureaus are not doing their job and became negligent of the Federal Law. I am tempted to take legal action against the Credit Reporting Agencies because of their laziness but I am giving Experian and XXXX Credit Bureaus to correct their wrong doing and completely eradicate the fraudulent items from my Credit File. The accounts : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date OpenedXXXX Balance : {$15000.00} ; and XXXX XXXX XXXX XXXX Date OpenedXXXX Balance : {$0.00} were incurred due to fraudulent activity and I am urging the Credit Bureaus to delete these accounts from reporting on my Credit report. If Experian and XXXX Credit Bureaus Fails me once more, it leaves me no choice to pursue legal action and sue the Credit Bureaus.
Product: Prepaid card

Received AMEX gift card from company. Doesn't work anywhere. Can not purchase anything with this card. Useless. I have tried 20 times. AMEX customer service doesn't pick up or sticks me in a robot loop. AMEX site does not display every transaction attempted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been contesting credit report fraud ITEMS. The items are neither in dispute nor removed from my report. The credit bureaus appear to be ignoring the pattern and allowing these false items to harm my credit score. I have demanded that an investigation be launched and that verifiable proof be supplied if the things claim to be mine. ENOUGH IS ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMEONE TO DO SOMETHING? CHECK OUT THE ATTACHMENTS! THIS IS NOT ROCKET TECHNOLOGY! You requested documentation, and I provided it. AND AGAIN! AND AGAIN! This is my final choice before I consult with my attorneys and file a lawsuit for full compensation and damages. Please remove. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$4400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To Whom It May Concern, The reason for my dispute is ERC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ERC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ERC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation ERC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where ERC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Checking or savings account

Referencing CFPB complaint : XXXX In PNC 's response, XXXX XXXX XXXX and states that the branch that refused service was not able to verify my information. XXXX XXXX and others at that branch ( XXXX FM XXXX, XXXX, TX XXXX ) were all able to verify my information to the same extent as the Main Street branch ( XXXX XXXX XXXX, XXXX, TX XXXX ).
Product: Credit reporting or other personal consumer reports

reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report XXXX XXXX XXXX. Along with Experian XXXX and XXXX are reporting these unauthorized inaccurate accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted Experian, XXXX, XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Credit card or prepaid card

A company that has an F with the XXXX  and hundreds of complaints for stealing peoples money charged me {$190.00} in XXXX for pillows. I never received the pillows. I disputed the claim with chase. This pillow company sent chase the bill tat I paid, but never sent Chase the tracking number and never claimed they shipped my order. Chase ruled in favor of this fraudulent company. Chase is a big bank with no soul that sided with crooks over their long time customer.
Product: Checking or savings account

On XX/XX/year> we deposited in our business account, at the XXXX XXXX, California branch of Bank of America. There were XXXX documents on XXXX deposit slips. After they processed the deposits, there were XXXX money orders lost that were never processed. There were XXXX money orders that were processed twice. These money orders were rent from tenants. We spent multiple trips to the bank, hours on the phone with tenants, the bank, and money order vendors, trying to figure out what happened. We asked for help from our local branch and from the higher levels of the Bank of America. They literally resent copies of the transactions processed, stating that they found no errors, even though the copies sent by them showed the errors again, and all levels kept insisting they did not know what to do. We requested copy of video footage of only our transaction, but were told we would need a subpoena. Our courthouse does not know how to let me get a subpoena unless I hire an attorney, but because my company is an LLC, and I am not allowed to file my own case. We believe this could have been personal because we have had problems with that branch manager in the past from a service standpoint. I am not sure how to get all the information you need, because I have a lot of hardcopies of the back-and-forth process, but it needs to be mailed.
Product: Credit card

On XX/XX/2016, I submitted a written dispute which included an affidavit of unauthorized opening of accoutn in my name. I have been payinng on the bill since then because it has DRASTICALLY effected my credit score and I am trying to buy a home. However, I have received no response to my valid dispute. I beleive they have not responded because I have been making payments. I am just trying to not let this effect me any more than it already has.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not respond within 30 days. according to USC 1681i ( 1 ) ( A ) ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I made my original complaints # XXXX on XX/XX/XXXX and XX/XX/XXXX to Equifax. they never responded by mail or other wise. I gave them 11 extra days and sill no response. 

I made another compliant # XXXX about the non compliance to USC 1681i ( 1 ) ( A ) ( 5 ) on XX/XX/XXXX. 

Equifax finally responded to me on XX/XX/XXXX. Equifax responded that I didn't provide enough verification of my identity. However I sent them a certified letter ( # XXXX ) on XX/XX/XXXX that had 2 pieces of ID, 2 pieces of address verification and a copy of the complaint that I filed. 

It is damaging to me as a consumer because I am trying to clean up my credit so I can buy a home. I can't do that until I fix my credit. I am doing everything I can to improve my credit scores and the bureaus need to follow the the laws just like I do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am part of the breech of Equifax. I can not get anywhere with them. I went to their website and they said they will e mail me instructions, I receive nothing from them. I tried to call their phone number and surprise, some one did answer the phone, but he just blew me off saying I will receive an e mail the next day. Surprise, surprise, no e mail. I then contacted the Ohio attorney general 's office, and they gave me step by step instructions on how to contact Equifax, I followed the instructions and still have not heard from them. Can you help? As far as i 'm concerned, I wish they would just erase all my data and I 'd be done with Equifax. Thank You
Product: Credit reporting, credit repair services, 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 Bankruptcy Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX has violated my rights. Or 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 reporting, credit repair services, or other personal consumer reports

I am unaware of the accounts that are listed on my credit report. I 've contacted my lawyer to investigate the issue and come to find out that the accounts are n't mine. You ca n't continue to accuse me or force me to accept the accounts. If I know for sure that these are n't mine please stop accusing me please seriously. Now I 'm asking how did these accounts end up on my credit report without my consent, what process did you guys use to verify that these accounts are for me? I would like to know the steps you took to inaccurately and improperly placed it on my report? You are actually accusing me, breaking the laws in such ways without my consent there is no way anyone can add an account or inquiry on my credit. No one has contacted me nor did I attempt to open any accounts for more than 20 years. So we have a problem. I am an elderly citizen and I am going to make sure who ever is in on this pays the consequences including you guys. I 'm not someone who uses credit at no point I 'd rather use my own cash. I am going to contact the Police Department, FTC, BBB, and file a lawsuit because it seems to be a problem now days. If it 's not removed I will take legal actions against each creditor. Please contact all three bureaus to fix this issue. I 'm not taking another bogus computer generated code that reads verify. If you ca n't tell me your verification process and the steps you took to accurately accuse me of the account please do yourself a favor and remove it. If you read the law it states that in section XXXX please re read carefully if an account does n't go through steps of accurately verifying an account it must be removed immediately. If you ca n't show or prove any verification process. If you do n't have any original documents then it 's another reason why you ca n't continue to allow an account to remain
Product: Credit reporting or other personal consumer reports

XXXX Hard inquiries XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1666b - Timing of payments U.S. Code Notes prev | next ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit card or prepaid card

On XX/XX/2022, I applied for a Discover card and was approved with a {$2000.00} limit. 
On XX/XX/2022, Discover sent me a strange email requesting a copy of my tax returns. 
I called Discover and asked why they need my tax returns for a credit card with only a {$2000.00} line of credit - I asked if this was a standard procedure with all applicants and the Discover agent said it was a standard procedure. 
I do not believe Discover requested my tax returns as part of a standard procedure they do with all applicants. I believe Discover asked for my tax returns for either discriminating reasons or to Obtain more personal information on me which they turn around and sell to data collections companies for more profit. 
I believe anyone reading this will agree with me that it is NOT a standard procedure for Discover to request an individual 's tax returns days AFTER they have been approved for a line of credit. 

I asked discover this question on XX/XX/2022 complaint # XXXX and their response did NOT answer my question instead they provided the following vague response.. Discover card conducts regular reviews to evaluate our customers accounts. As such, your account is currently involved in a regular review. Our records confirm that an email was sent to your email address of record on XX/XX/2022, advising of this process, and the email provided you with the next steps to complete the verification. 

Let me get as specific as I possibly can : Does Discover ALWAYS conduct a regular review on all individual applicants just days after they have been approved? 
Does Discover Demand an approved applicant to provide them with their tax returns on lines of credit under {$3000.00} every time or most of the time? 
Does Discover have information on me which provides them with my XXXX or XXXX of my skin? 

Discovers actions have harmed my credit by adding account closed by grantor by the inquiry they placed on my credit report and by takig away my line of credit
Product: Bank account or service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Tel : XXXX XXXX XXXX Account XXXX XXXX Bank of America Account XXXX XXXX Bank of America They close my account with out tell me and I have done nothing wrong with it.
Product: Mortgage

Please open attachment XXXX for narratives for STEPS THREE, FOUR, & FIVE. 
Please open attachment SUPPLEMENTAL_EVIDENCE.pdf for documents that provide evidence to support the narrative. 
Please refer to the Cover Page, Page 01 of the Supplemental_Evidence.pdf to provide titles and page numbers for the supporting evidence.
Product: Student loan

Ive been paying on my student loan since XX/XX/2014. Im enrolled in the PSLF, Recently my loan servicer switched to MOHELA, and a consolidation was recommended ( which I did ). Since the consolidation I have XXXX payments listed toward the PSFL. When Im fact I should be getting close to 100 payments Ive called and every time they give a different excuse - the most recent from today is my employment certification hasnt been applied to the payment count, Last month they were just behind the month before that it was because of the consolidation. Ive sent a complaint to the XXXX with no reply. I dont know what to do next.
Product: Credit card or prepaid card

My husband was a XXXX XXXX XXXX at a XXXX in the XXXX   XXXX in XXXX XXXX, LA. On XX/XX/XXXX he was terminated from his job due to COVID-19. He is waiting now for unemployment assistance to begin but has not yet received any funding from unemployment. 
I have called all of out debitors and made arrangements to defer payments of credit debt with a good deal of success and cooperation from everyone except Citibank. 
I have 2 accounts with Citibank, one account is closed and I am paying off the balance. I closed the account after the bank bailout in XXXX when Citibank wanted to increase my interest rate to more than double what it was. I have been in excellent standing making payments on this account for over 12 years. Including prior to the bailout and closing my account, right up until my XX/XX/XXXX payment. I also have a Home Depot credit card that is backed by Citibank, also in excellent standing with payment history. 
I have made numerous calls and spoken with their customer service about deferment of my monthly payments due to hardship since my husband lost his job, but they continue to tell me they have nothing in place.
Product: Credit reporting or other personal consumer reports

I AM The Victim Of Identity Theft ; Whereas, FRAUD ACCOUNTS -AND - CREDIT INQUIRES Appear Per My Credit Report. With That Said, A Designated Police Report ; Proof Of Law Enforcement Correspondence ; And, Proof Of True Identity Forwarded As Such : FRAUD ACCOUNTS : 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 XX/XX/2022 TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 TransUnion ; XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion ; XXXX XXXXXXXX XXXX XXXX XX/XX/2022 TransUnion ; XXXX XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion
Product: Mortgage

My mortgage was " sold '' to another lender in XXXX. I 've asked on numerous occasions to please provide a copy of the deed, note, and other documentation ; however, they can not provide evidence or supporting documentation that they even own the property. They can not provide any supporting documentation and do not have any paperwork pertaining to my mortgage ( note, deed, etc. ). I need these documents for legal purposes, my final will and testament, and to prepare to sell my home ; however, the lender ca n't provide them to me.