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

I am a veteran and currently have a VA loan with XXXX XXXX. On or about XX/XX/2019, I attempted to make a mortgage payment in the amount of {$2600.00}, using their website. My payment came back as returned. I was immediately notified on XX/XX/2019. 
As a result, I made another payment in the same amount on XX/XX/2019, in efforts to avoid any " 30 Day '' lates on my credit report. My payment was successful and posted on XX/XX/2019. 
I sent several emails to XXXX XXXX explaining the problem but they have ignored me thus far. Additionally, all three credit reporting agencies are now reporting that I was " 30 Days '' late for the month of XX/XX/2019, when my payment for XXXX has a 14 day grace period ( it has only been 9 days ), before considered two weeks late. 

I have called several times and spoke to atleast two reps asking them to remove the negative remarks from my credit report. Thus far they have ignored my request. 

Notice from all of my attachments I made my mortgage payment on XX/XX/2019. Also look at page 3 of 4 XXXX XXXX   statement in the amount of {$2600.00}, my payment cleared.
Product: Debt collection

Portfolio recovery, a debt collector keeps calling me multiple times a day every single day, when I block a number they call me from they call me from a different number. This has been going on for YEARS now. The debt started with XXXX XXXX, which I DID NOT take those credit cards out, my ex boyfriend did and ran them up {$4000.00} on each card. I contacted XXXX XXXX and explained it was fraud and they told me that there is nothing they can do I'm responsible for paying it, long story short they cut the debt in half, I paid around 55 % of the debt and I told them I am NOT paying anymore because I should of had to give them a cent in the first place. Now portfolio recovery will NOT stop harassing me! Something needs to be done or I will take legal action. Please help me.
Product: Credit reporting or other personal consumer reports

According to the IRS, an unpaid charge off is income. According to the FCRA, income can not be reported on a credit report. I have received a 1099-C for the accounts listed here : ( Account numbers XXXX, XXXX, XXXX, and XXXX ). After checking a copy of my most recent report, it seems that these accounts are still being reported. ( According to law ), these accounts can't be reported on my credit report. Not even to mention violation of 15 US Code 1601b. I demand these accounts to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I had an account with XXXX loan servicing and unknown to me they gave my loan to a company called Mohela. I never got any mail, email or phone call letting me know. I keep getting calls from an unknown number and I wouldnt answer because the number was unfamiliar to me and I get alot of spam calls. One day because they called my phone soooooo much I answered. Thats how I found out about Mohela. I set up a payment plan but I also found out they put my loan into default because they said thru couldnt reach me which they reported to my credit report and my credit has went down. They said XXXX didnt give them my correct address. This is crazy. Ive gotten so much mail from XXXX I cant believe they are telling the truth. They are playing with peoples lives just like XXXX with the same legal problems.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I filed a police report with law enforcement to report that I found accounts on my credit report that were not mine. XX/XX/XXXX I sent in a dispute by mail to Equifax credit reporters showing the exact accounts that do not belong to me. I requested for those accounts to be removed and if they are not that they send me the assignment contract and the information that was used to conduct the investigation.
Product: Credit reporting

This is my second compliant. I keep getting stall tactics & alternate methods of not being held accountable. I have sent the credit bureau all the information from my direct dispute with the data furnisher and the CRA has ignored my request to remove items which are being reporting inaccurately, are unverifiable, are incomplete or are untimely. I 've sent them correspondence through CFPB & via certified mail & still they 're claiming they dont have enough information to remove the inaccurate information. I 'm resubmitting my request to have these items removed from my report based on the FCRA. I 'm including everything which demonstrates my timely response & methods used to verify the accounts which they claim to have verified ... The following accounts have not been able to provide me with any information these accounts belong to me nor have I received anything reflected they are reporting correctly : XXXX XXXX XXXX .... / XXXX XXXX - being reported with any validation of verification ENHANCED RECOVERY CORPORATION XXXX - being reported with any validation of verification XXXX XXXX - being reported with any validation of verification XXXX XXXX XXXX XXXX XXXX .... / XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX .... / XXXX XXXX XXXX .... / XXXX XXXX XXXX .... 
I would like them removed immediately!!
Product: Checking or savings account

My problem : Truist Bank has not yet reimbursed me my money that was stolen by fraudulent transaction at Truist Bank. 

This is what I was told by my banker, XXXX XXXX, at the Truist Bank in XXXX : On XX/XX/2021 somebody, who presented himself as XXXX XXXX, using a fake FL Driver 's License came to the Truist Bank Branch in XXXX, PA. He gave the bank a XXXX XXXX  check written in my name and endorsed in my name. In exchange, he received {$3500.00} in cash. It seems he knew my checking account number. Several days later, when Truist tried to get the funds from XXXX, they found that the XXXX account was closed. 

It seems that Truist Bank assumed that I had deposited the check and sent me a letter with a copy of the check. In addition, they charged me {$12.00} penalty. 
I got this letter late on Friday, XX/XX/2021. During the weekend when I checked Truist 's automatic phone there was nothing about the transaction. 

On Monday, XX/XX/2021, I went to my Truist Bank Branch in XXXX and met with XXXX XXXX. It became clear that this was a case of fraud. She immediately froze my old account and opened a new one. I filled out and signed all the relevant forms and the case was transferred to the Truist Fraud Department. 
I was told initially that I would get the money ( $ XXXX ) refunded within several days. It is now more than XXXX months later and I have not received anything. 

We talked by phone with the Truist 's Fraud Department, but they would not commit to any date when I could get my money back. 

This is a clear case of fraud. Truist Bank is at fault. 

I ask that Truist Bank should reimburse me the full sum as soon as possible. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in XXXX, 2011 that has since been discharged by XXXX County. I have repeatedly asked Experian to remove this from my credit report as XXXX has. The law states that it can remain for 10 years. I understand this. However, why should I continually be punished when I have an otherwise excellent credit history. I believe Experian is being unduly harsh. I request help with this situation as I am trying to qualify for a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two bankruptcy accounts on my Equifax credit report that need to be deleted. There were expunged by the court and filled in error. Reference numbers XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Claimed chapter XXXX bankruptcy in XXXX of 2014 it has been discharged and still says open on report, also still on report doesnt chapter XXXX fall off after 5 years. I know a chapter XXXX takes 7-10 years to fall off.
Product: Debt collection

I recently disputed a claim on my credit report last month about a company called Accelerated Financial Solutions who had turned in a bad credit on my report. They had that the original creditor was a XXXX XXXX XXXX. for XXXX {$.00} I do not know who these people are and have never heard from them before. So the credit bureau was looking into this and undoubtedly contacted them. I get a letter today XX/XX/XXXX telling me that I owe these people this letter is from them so I called them and talked to a person which unfortunately I did not get her name but I called to tell them that I was disputing the claim and she asked me if my last XXXX social security # was XXXX and I said yes then she asked me if I had had an account with this certain bank in XX/XX/XXXX. I told her yes I thought I did at that time. She then preceded to tell me she was a debt collection company and that they were trying to collect a debt that I owed in XX/XX/XXXX from this XXXX XXXX. I told her I had never had an account with this company and that no deposit of XXXX dollars was made into an account on XXXX XXXX for me from a loan. I also told her that just because she had the name of a bank I had banked with and my social security number did not prove that I owed this money that you can get that information off of the internet on sites that you look up background information on. She then informed me that unless I send them my statements from the bank to PROVE to them with in 30 days the debt would stand and they would not take this off my credit report. I thought the law stated they are the ones who had to prove the debt was owed and also had to supply me with the original creditors. Then on top of everything else they actually have this on all XXXX credit reports listed XXXX times under XXXX different account numbers and after I got off the phone with them I called my bank told them what was going on and they have supplied me with those statements and no where on the statements does it show me having a deposit of XXXX $ It shows my XXXX check going through but that was a totally different amount. It also shows that before my XXXX check went through I was over drawn and when the deposit came through it showed the overdraft being taken care of it also does not show a amount being debited or credited for that amount on or around XXXX XXXX of XX/XX/XXXX
Product: Debt collection

I received a letter from Debt Recovery Solutions LLC ( XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX ) stated I owed over {$400.00} with creditor XXXX. I never opened an account with XXXX or apply for a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX closed my newly opened credit card in error. My Transunion scored dropped over 100 points. I submitted a dispute to Transunion. Transunion decided that even though XXXX XXXX XXXX  opened the account that was closed in error, they would still not remove the erroneous reported item nor did my score increase. Also, the same exact information is being reported on XXXX and Transunion, but Transunion has my score over 100 points lower than XXXX. I had perfect payment history before filing bankruptcy XXXX 2016 and Transunion has information to support excellent payment history. Please see that Transunion removes the information from XXXX XXXX XXXX and increase my score once information has been successfully removed.
Product: Credit reporting or other personal consumer reports

My XXXX credit report has not updated on credit karma since I believe in XXXX. I have reach out previously and the issue has not been resolved. I get alerts from the app saying that things have changed but when I go to the app it will not update.
Product: Consumer Loan

I called Wells Fargo to report a lost credit card. The credit card had a limit of XXXX and a balance of {$0.00}. While on the call I mentioned that I needed about {$5000.00} for a very short time and planned to use the cash to get me through a rough spot financially for me. I did not want to tap into my investment account worth almost XXXX due to tax consequences. I was receiving retirement and social security amounting to about {$52000.00} a year. I just paid an XXXX tax bill and was waiting to sell a house I owed that carried no mortgage. This information was all given to the loan officer I dealt with over the phone. 
The banker aggressively sold me the loan and then they told me I did n't qualify because of my FICO score and short banking history with them. I 've had my Wells Fargo accounts for over 20 years and in the last year moved over {$270000.00} through my checking account not including the XXXXXXXX deposit made from the sale of my second home on XXXX XXXX, 2015. 
There is no logical reason I was denied credit unless they were discriminating or only using part of my financial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer sent TransUnion a removal letter through certified mail. The dispute letter was sent on XX/XX/XXXX, asking to have several accounts reporting about alleged debts removed from my consumer report. Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. '' I also sent the letter with a green return receipt and an agent signed saying they received it. Under federal law, this corporation has violated me as a consumer. TransUnion 's agents have all infringed on my rights to privacy since they are signing for letters that I did not send to them directly. I have disputed the items on my report many times with little to no response from this company. Their previous responses state that the disputes can not be removed because they have been validated, which is false. Pursuant to 15 USC 1692g a corporation can not validate an alleged debt. Due to TransUnion 's noncompliance, I have not been able to relocate my family to a safer environment. I have been embarrassed due to denials. This company has caused me and my family many hardships due to the alleged debt being reported on my consumer reports. Pursuant to federal law, only factual information can be on a consumer report. This is identity theft and there is no statute of limitations on fraud. They have infringed on my rights to privacy and defamed my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX opened on XX/XX/XXXX incorrectly shows {$440.00} was written off. On XX/XX/XXXX - {$440.00} I paid " XXXX  XXXX ''. Please see attached bank statement. ( bottom of page 1 ) Please update the account as PAID in full, with nothing written off or delete the account in it's entirety. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX currently known as XXXX has reported a hard inquiry by me this is not my inquiry I have had the same account for over 30 years I do not live in XXXX it is not my inquiry needs to be removed
Product: Debt collection

My credit card account on XXXX web browser doesn't match the Chase App. It says Interest Savings Balance is " Not Available '' but the app gives me a number. I got several emails with different numbers coming in. I have received several pieces of mail delivered to my house with different Chase Bank addresses. The Chase branches don't want me to pay them. They said to call the number on my card. 

When I called the number on the card the menu was strange. It did not give me an option 1 or 2. It said " Press 3 to speak to a customer care representative. Press 4 to speak to a customer care representative. Press 5 to repeat the menu. '' I call and I ask what I owe and every representative tells me a different number from what I owe! Even when I'm on the same call and they send me to the next representative. NONE of their numbers match up. They range from {$170.00}, {$270.00}, {$300.00}, {$400.00}, {$640.00}, {$840.00}, {$870.00}, {$3100.00}, {$4600.00}, They want me to pay a random number some guy with just a first name tells me after I tell them my full social security number. They don't know who their boss is. The people I talk to think they are top of the ladder. They don't know who their CEO is. Not even the supervisors. They said I never paid them a few times when I clearly did and I can see it on my bank statements. 

It appears that I have 2 different minimums for the month of XXXX. I spoke to a man named XXXX on XX/XX/XXXX and he said it was {$3300.00} but my Statements on email after the call has been {$4600.00}. 

Some rep won't give me their last name or employee number. They have been charging me even AFTER I pay them more than the minimum. They even charge me when I have autopay turned off! I asked them to STOP AUTOPAY and they said to call my XXXX XXXX I called XXXX XXXX  and they said to call Chase!
Product: Credit card or prepaid card

I was out to dinner, and was charged the incorrect amount on  XXXX / XXXX /2017, of {$62.00}. I called my creditor at the beginning of  XXXX , and they told me that they would refer me over to the dispute department. they did not do that. They sent it to the fraud department, and then about 1 week later, I called in, regarding a notice that I got sent that said that I was being held responsible for the charge, that it was valid. I called in and asked what they had found that had made the charge valid, and that was when they said that it went to the fraud department, not the dispute department. I asked them to show me how they figured that the charge was valid, and they did not have an answer. I checked my account, and the charge, has been put back on the account.
Product: Bank account or service

Suntrust Bank has continuously reorganized transactions that are on my account to ensure that they are able to get multiple ovedraft fees for transactions. They have even left CASH DEPOSITS pending and not posting to my accounts causing fees to happen. They will take transactions that have been pending for days ( with smaller balances ) and reorder them and process a newer larger pending transactions so that all the funds that are allocated and supposedly already being held for current pending transactions are used. So now there is an OD fee so when the funds that are held on pending transactions are freed, they are eaten up by the OD fee causing the ALREADY pending transactions that are ( Previously authorized for payment with funds taken from available balance ) to not be able to be paid and Overdraft. I was charged a {$36.00} OD fee for a {$94.00} charge because I only had {$94.00} available at the time. I was charged {$36.00} for a {$0.00} differential. This has happened before on my account. There was a {$20.00} cash deposit pending when this happened as well. So why was my deposit of CASH not processed? If my {$20.00} CASH deposit was processed I would have been able to cover the {$.00} as well as the subsequent {$15.00} Gas charge that I also received a {$36.00} OD fee for because it was not money there. Well I apologize the {$20.00} CASH deposit was and is still pending. So now my account is overdrawn {$69.00} which is {$72.00} ( XXXX OD fees ) +XXXX+XXXX+XXXX= XXXX - ( {$20.00} Cash Pending ). I have checked and honestly due to Overdraft fees for reorganizing drafts and transactions and holding deposits ( CASH DEPOSITS ) I have paid in excess of {$1000.00} in Overdraft fees to date. I have already paid these fees to keep from having to pay the extended fee but I truly feel like paying {$36.00} for {$0.00} makes me feel like I have been XXXX by the bank and no one cares. Why could this not be a courtesy reversal. I called and had absolutely no complaint about the {$15.00} charge and Overdraft fee. I know how unethical and unconcerned this bank is for it 's customer 's welfare. They are more concerned with the dollar amount. I would like to be refunded my {$36.00} for that {$0.00} differential as that is extremely excessive abuse of the OD fee penalty. This has happened previously with a OD fee for a charge less than {$.00} and they gave a credit so I am no longer eligible for any future credit according to XXXX the Rep and the branch. This is a horrible horrible bank and they are sharks at prey. If I make mistakes I NEVER complain but this is horrible.
Product: Mortgage

In XXXX 2016, my mortgage company, Benchmark, did not pay my homeowners insurance premium to XXXX XXXX XXXX from my escrow account. No one contacted me about the lack of payment, I just happened to notice that on my insurance app my policy was listed as " cancelled ''. When I called to figure out why my policy was cancelled, I spoke to XXXX representatives from the mortgage and insurance company and they said the situation was resolved. 
In XXXX 2016, my policy was still listed as cancelled. When I called, apparently the situation had not been resolved and my policy was cancelled.. Again, I got representatives on the phone who got in a XXXX way phone call with me to resolve any and all issues so that my policy could be reinstated. I payed {$450.00} in order for this to occur as a penalty. I also learned that my homeowner policy was cancelled for the last 6 weeks as a result of lack of payment. I was promised follow-up calls from each company in 10 working days to verify the situation had been resolved. 
XXXX 2016 - Still no payment had been made. Neither representative called to verify payment as set up previously. Spent a week on the phone with each company, and as off today XXXX/XXXX/16, no payment has been received. I am having to make the payment myself so the policy is not cancelled a second time.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT COLL Original creditor : XXXX XXXX  {$0.00} NO BALANCE!!!
Product: Debt collection

The debt collection company IC Systems has continued to call me every day at least 2-3 time per day even on Saturdays. I have kept track of the dates and number that they continue to call me from. The following are the dates, and numbers. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX The above dates are for 2021.