23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I was shocked to see unauthorized inquiries on my credit report this morning without any explanation. I checked my report like I always do, but this time there were unexpected discrepancies. Refreshing the browser didnt helptheyre still there. Please review the documents I provided thoroughly so that I can feel confident this will be resolved permanently.
Product: Mortgage

I have had to file two previous complaints against this company due to inaccurate information being reported on credit report. As of XX/XX/XXXX, when myself and a representative from XXXX XXXX called in on a three way phone call, due me attempting to refinance my mortgage once again, the representative had two simple questions : Payment History Date of Discharge of Bankruptcy Payment history was reported accurately but the representative from their bankruptcy department, XXXX, ID # XXXX reported that my discharge was in XX/XX/XXXX, not the actual date of XX/XX/XXXX. I even went so far as to ask the Wells Fargo rep did he not want to contact Ms. XXXX XXXX to ensure accuracy and he reported that XX/XX/XXXX was the correct date as per Ms. XXXX 's documentation. The representative then went on to read verbatim from Ms. XXXX XXXX 's notes that a work order had been submitted to the credit reporting department to go in and retroactively report my credit, even though Ms. XXXX had reported to both myself and her response to CFPB that they had been doing this all along, except for the period of XX/XX/XXXX thru XX/XX/XXXX. Also in one of the multiple letters I received from Wells Fargo, it was reported to me that as of XX/XX/XXXX, they would start the process of actively reporting. On XX/XX/XXXX it was reported to the three major credit bureaus that my account was closed and paid in full. I had to call in and ask for this to be addressed but at this point Ms. XXXX reports that Wells Fargo did not report that, I am to believe that the three major credit reporting agencies just randomly chose Wells Fargo and chose to list my account as closed and paid in full. Please find attached an active copy of a report pulled on XX/XX/XXXX, which clearly shows the last activity from Wells Fargo as being reported closed and then reopened again on XX/XX/XXXX. Also on this you will see that Wells Fargo has me listed in two different types of bankruptcies-a chapter XXXX and a chapter XXXX. The process of reporting my account paid in full and closed, then opening it back up and placing the balance has affected my credit score tremendously and has caused three of my credit cards, to lower my credit limits. Also please notein the Additional dates area of this same document, it clearly states, Bankruptcy XX/XX/XXXX, Closed date XX/XX/XXXX. I would like sanctions brought against this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed there were several inquires from XXXX XXXX XXXX XXXX, and XXXX XXXX on my report that I did not recognize nor did I request anything from these companies. I contacted Transunion and told them I did not apply for anything from this Us small Bus and requested that it be deleted and they refused. I want this deleted ASAP.
Product: Debt collection

They have called several times from local numbers but are out of XXXX sc. They called about a debt from XXXX yrs ago that has since been taken care of, threatening to put a refusal to pay on my credit report. I googled their name and found thousands of complaints, about how they tried to scam thousands of others. Please shut them down before I become XXXX of them.
Product: Credit reporting or other personal consumer reports

I paid off an automobile loan in XX/XX/2023 and it is still on my credit report. I have called them numerous times and every time they would say they would take care of it and it should be off in about 5 days. Today they told me they dont do that. I have to contact them myself. I have the receipts and a letter saying its paid off but still on my credit report. Still affecting my XXXX XXXX and causing me to delay getting a house.
Product: Credit reporting or other personal consumer reports

Based on the Privacy Act of 1974, my personal information stored in records to supply openly has been compromised. 

Transunion is reporting bankruptcies on my credit report and I did not provide consent on any level or medium for them to report my personal and private information. 
I filed a dispute online and it came back within XXXX hours as verified. This information was Transunion is in violation of 15 U.S. Code 1681 - Permissible purposes of consumer reports I have submitted a formal complaint to the U.S. Department of Justice to further investigate XXXX regarding this matter. Next step is to sue! 

I am asking, how is this verified and which neighbor, associate or family member was contacted within XXXX hours to confirm this information as verified? 
I need to attach this information to my file with the Department of Justice as soon as possible.
Product: Debt collection

VALIDATION AND CEASE AND DESIST LVNV FUNDING LLC O/R Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX, SC. XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I have submitted a prior complaint concerning an inaccurate collection report on My credit. 

The Accout NAME : XXXX XXXX XXXX XXXX XXXXXXXX Below is a picture of the cancelation of the debt from the original creditor.
Product: Credit card or prepaid card

I have been a customer of Kohl 's and have had a credit card with them for close to 10 years now. I recently noticed on my statement that the XXXX had changed from 23.99 % to 24.99 % without getting any notice from Kohl 's on the increase in the interest rate. I called and asked them to explain to me how they were able to increase the rate without informing me, and they stated the letter " must be lost in the mail ''. Now, they do have my email address, and phone number so I would say there would have been other ways for them to contact me especially considering I am a loyal customer. This is what I currently have on my statement : Purchases 24.99 % ( V ) {$1200.00} - interest charged for the month - {$25.00} PROTECTED BALANCE 23.99 % ( V ) {$580.00} - interest charged for the month - {$11.00} They also told me the Protected balance is purchases I have
made prior to the increase in the XXXX, but again I was never informed or agreed to the new terms.
Product: Checking or savings account

I received an individualized email solicitation from SanTrust Bank offering {$200.00} Bonus for opening a SunTrust business checking account conditioned on making {$1500.00} or more in cumulative qualifying deposits within 30 days. I accepted SunTrust 's offer and opened SunTrust business checking account ending in XXXX on XX/XX/21 and made a required opening deposit. Imagine my astonishment and disappointment to find that SanTrust has decided to close my account on XX/XX/21 after accepting my opening deposit. SanTrust has informed me that my account has a XXXX  balance for 60 consecutive days. At all pertinent times, my account have a balance exceeding required balance of {$1500.00}. I contacted the bank and received another letter informing that SunTrust bank is unable to verify company registration with the Secretary of States Office. I am an XXXX and I do not require registration with the Secretary of States Office to XXXX XXXX and XXXX XXXX in my state. 
Acceptance of bank 's offer on XX/XX/21 represents a unilateral contract for breach of which law provides a remedy. I completed all the requirements necessary to qualify for the opening bonus but I was unable to receive the {$200.00} bonus because SunTrust breached the contract by terminating my account without lawful justification or excuse. The SunTrust 's action of closing my account is a breach of contract and law affords remedy or a legal cause of action when a binding agreement ( or bargained-for exchange of consideration ) is not honored. I would not have opened account with SanTrust Bank and kept over {$1500.00} interest free, but not for SunTrust 's promise to pay me {$200.00} opening bonus.
Product: Mortgage

Caliber Home Loans entered into short sale negotiations in XX/XX/XXXX ( all the while sending a foreclosure notice for XX/XX/XXXX sale date : 60 days ). We provided documentation as the home sold and entered into a Purchase Agreement on XX/XX/2016. The Realtor, XXXX XXXX uploaded necessary docs requested via the servicer 's portal. XXXX on XX/XX/2016. She experienced issues with the uploads and called Caliber. They notified us on XX/XX/XXXX that they needed this done by Monday XX/XX/XXXX or the " 37 day rule '' would bar them from proceeding and they would go to foreclosure sale and cease short sale processing. I subsequently XXXX the same documents to them. They refuse to deal with us. I called their legal counsel with no return call 10 days ago. This property is in imminent danger of a foreclosure due to their portal issues.
Product: Checking or savings account

Claim Reference Number : XXXX I called XXXX bank to file a couple of unauthorized transactions and I didnt recognize those transactions, and spoke and explained everything to the representative that I was traveled and lost my belongings are phone, wallet, purse. I kept calling them to ask about the update of my claims since I am very concerned about it. Those are my hard work money and really upset and sad if I lose it. However, 10 days later my claims got denied and they said : I responded Yes to the link texted that they sent me. I was lost, I didnt respond to anything, didnt receive anything since I didnt have a phone. It was lost.
Product: Credit reporting or other personal consumer reports

Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c- 2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant of inaccurate late payments I reviewed my Consumer Reports and noticed that I had a late payment on an account that I was never late for. 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 have never been late on payments for the account : ( XXXX XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand this payment be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Mortgage

My husband and I were separated in XX/XX/XXXX for almost one year. During this time, he did not have an income untilXX/XX/XXXX. XXXX  XXXX  XXXX allowed an unemployment forebearance at {$420.00} per month. XX/XX/XXXX was a difficult month, so I called and asked if we could pay XXXX and XXXX together. The CSR stated " yes, that should be fine. '' We paid for both those months in XXXX. In XXXX, we started the modification process. We did not hear anything in XXXX. I started calling and they would ask for another piece of paper. I have so many applications and documents completed over and over again and faxed in. Each week, I would call and they would need a different piece of paper. It is almost as if they are trying for us to lose our home. There are several issues here ; I am on the deed and one CSR told me my husband had to authorize me to talk with them and another stated he didn't. Initially, we were not educated on the forebearance and how the mortgage accumulates and then it has to be cured if a modification hasn't been reached. I have called them every week. We just got turned down for a modification. We submitted an appeal on XX/XX/XXXX. I am sure we will get denied for that as well. I feel that the customer service agents are not trained well, do not have the same information and are extremely lax on helping customers. We can now resume a mortgage payment due to my income. Flagstar has not been transparent and has given us the run around. I am complaining to you and will be calling HUD and FHA with complaints as well.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 Section 602 ( a ), consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for the consumers privacy. XXXX and XXXX are such agencies, and as a consumer, I am entitled to ensure my private information remains confidential. This is further supported by 15 USC 6801, which mandates financial institutions to respect customer privacy and secure their nonpublic personal information. The entity providing information to credit agencies is a financial institution under this statute.

Furthermore, 15 USC 1681 Section 604 ( a ) ( 2 ) specifies that a consumer report can only be furnished according to the written instructions of the consumer. XXXX, XXXX, and the information provider do not have my written consent to share my information. I revoke any previous consent, whether verbal, non-verbal, written, implied, or otherwise.

15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information to unaffiliated third parties unless the consumer is informed about how to opt out of such disclosures. The information provider never informed me of this right. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in reports if it dates back more than seven years, except for criminal convictions. This adverse account, reported without my permission, is illegal.

Under 15 USC 1681s2 ( A ) ( 1 ) ( A ), no person should furnish information to a consumer reporting agency if they know or suspect it is inaccurate. Moreover, 15 USC 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violating Section 1681c and to restrict the furnishing of consumer reports to authorized purposes. XXXX and XXXX are failing in this regard. 

Lastly, 12 CFR 1016.7 allows consumers to opt out at any time, and I am choosing to opt out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution, as well as protection from future attempts to steal my identity or lines of fraudulent credit in my name.
Product: Checking or savings account

I " lost '' both of my Chime debit cards and my ID on the weekend of XXXX. Come to find out the debit card associated with the " credit '' account ( really, its just my funds ) and I.D . that I thought I had lost XXXX were recently found in my 15 month old 's toy box. I had requested a new debit card from Chime on my " checking account '' and went to the Ohio XXXX for a new license. In the meantime, I issued myself a check from my checking account, knowing that it would come first and I could go cash it. I have history in banking and credit. I am a low income Mom for the first time in my life at XXXX XXXX XXXX, with no support. I just needed access to my {$260.00}. I received the check in the mail and went to cash it on XX/XX/XXXX. XXXX wouldn't even cash it. That's pitiful. So I redeposited it on XX/XX/XXXX, into my checking account. I called on that date and requested the funds be made available because it's a check from me, to me on the same account, and issued from their bank. They played phone tag and just transferred between each other before I finally gave up. Today, XX/XX/XXXX at XXXX XXXX. I received an email saying the check has been cashed. It's XXXX XXXX. and the funds still haven't been placed in the account. I understand they are affiliated with a larger bank. As an affiliation, that check being cashed by should be issued to the Chime receiving account at that moment. Why is this legal? Why is Chime getting away with holding funds? Especially when it was a check that I issued myself to myself, that no one wishes to cash. Obviously, it's a larger issue. I will be closing my accounts and returning to a physical bank. I have nothing holding me back from having an account with anyone and I've learned my lesson. Their data processing department should be able to see the check and deposit it. Ive working in those departments in banking and in prescriptions through pharmacies. It makes no sense to me. Chime is a joke.
Product: Credit card or prepaid card

I received a letter dated XX/XX/2022 from Macy 's stating suspicious activity from department store card fraud department. I contacted company. They stated someone got all my personal information and opened an account online on XX/XX/2022. They stated they would close the account and that I wouldn't be responsible for any charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding XXXX  XXXX Payment History The payment history that is reporting from XXXX XXXX Mortgage is incorrect. 

XXXX XXXX transferred the mortgage to XXXX in XXXX of XXXX. 

Prior to the transfer a forbearance/modification with XXXX XXXX was in place to correct the payment history and clear the matter. The agreement with XXXX XXXX was in effect beginning XX/XX/XXXX. 

The modification was initiated due to a National Disaster ( Louisiana XXXX Flood XXXX ). 

We contacted XXXX XXXX in XX/XX/XXXX to request relief due to the flood. XXXX  XXXX created a forbearance plan ( attached ), then they suggested we apply for a modification agreement to reduce payments and defer the payments missed during forebearance. We agreed and XXXX XXXX initiated the first Modification and said the history status would be cleared to show no late payments. We submitted the borrower assistance packet in XX/XX/XXXX, and months later XXXX XXXX denied the application. They kept calling telling us to refile the application, new rules were in place. So, we filed again and it took over a year to come to a conclusion of the agreement. The agreement was effective XX/XX/XXXX. The modification terms were finally set in place and the agreement was to make three modified payments for XXXX, XXXX and XXXX. They told us that even though the previous payments were reporting late, once the modification was completed, all of that would be cleared. 

The first two payments ( XXXX and XX/XX/XXXX ) were made by us as agreed, then the loan transferred to XXXX. We called XXXX XXXX and XXXX to find out what we should do and were told that in order to complete the agreement, to send the last payment to XXXX and they would comply with the agreement. So, we completed the agreement by paying the last payment ( XX/XX/XXXX ) to XXXX/XXXX. 

However, XXXX  XXXX did not hold up their end of the agreement. We contacted XXXX XXXX several times to clear the matter up, but we were told that all files were transferred and they did not have any record/evidence of the modification. 

This matter should be cleared up immediately and our history and payments corrected as promised by XXXX XXXX. 

Also, the status says 90 days late, but no payments were ever 90 days late. I have all of my bank statements with payment history. 

Please let me know if I can supply any further documentation. 

Our credit file history has been incorrectly tainted for well over a year, and as a result we have had to pay higher interest rates for loans obtained. 

Please provide a status update to me within 15 days.
Product: Student loan

This is after case XXXX. Navient responded and confirmed most of the problems I reported. However there has been no actions to fix or compensate the previous issues. 
Since then I have cancelled Auto-pay, changed the over payment option to Pay down the principle ( which is what I had ORIGINALLY chosen ), AND un-grouped the students loans for better visibility and tracking. 
I also paid off a large chunk of the loans including complete re-payment of one of the loans. At this point, there are currently 2 loans completely re-paid. 
After doing these changes, my minimum monthly payment went from XXXX {$400.00} a month to > {$710.00} a month. No explanation or reason provided. I only thing I could assume from this change is with the over payment choice. However my PRINCIPAL DID NOT CHANGE ; there is potential for missing funds. 
I called Navient last week about the situation. I was on hold for about 2 hours before being able to speak with someone. 
The representative looked at the situation and responded with " Hmmmm ... .that is not right. I don't know what is going on with this '' and " I will get it fixed for you ''. She reported submitting the situation to be fixed ; getting the minimum payment adjusted. The representative also shared that it would show up on my account within a few days. 
I have seen no changes to my account and there has been no further response.
Product: Debt collection

Upon reviewing my credit file I have noticed a company named Amsher Collection Services has been fraudulently reporting to my credit file. I have never done business with that company nor have they ever contacted me about this alleged debt. Please remove this from my credit file.