23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The collection department of Suntrust Bank Mortgage has contacted me over the telephone several times the past month, yesterday, and today XX/XX/2018 alleging that my mortgage payment is due and delinquent, when it is not. Their collector uses intimidating warning language and false facts ( ... this call is being recorded for debt collection puposes, your mortgage is due as of the first ... or someting like that ). They bought my loan recently, and as a result one of my payments went to the old mortgage company, which I guess put me on their bad list. I corrected the mistake as soon as I could, but they have blacklisted me and therefore the baseles, harassing and bulling calls started. The calls are harassing and demeaning ( one of their agents demeaned me by mocking my accent and pretending to speak mocking XXXX  ). I tried requesting them on the telephone to stop, with no avail.
Product: Mortgage

The company continues to take advantage of me. They know that I can not afford an attorney to fight this issue. I did not have access to my account information online and I was not getting paper statements until XX/XX/XXXX. I requested information to help me understand where things went wrong. After they sued me and I went to court, they have been penalizing me for this. Once I found out that the breakdown was that my payments were not being applied properly, all of a sudden they justify it by saying that it was because they were paying for home insurance on my behalf. I have been carrying my own home insurance because they told me that I did not qualify for them to cover it. I have had my car & home insurance with XXXX XXXX up until XX/XX/XXXX and then I had it with XXXX XXXX to this day. I never consented for them to open an insurance policy for me. Why would I carry XXXX insurances? They never discussed this with me. I never gave them consent to do this. I just learned about this insurance when I received a letter dated XX/XX/XXXX from XXXX saying that insurance is to renew on XX/XX/XXXX. Please help me get this resolved and have my account adjusted appropriately.
Product: Credit reporting or other personal consumer reports

My account with ( XXXXXXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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. 


( XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute in to Transunion and I received an illegal correspondence back stating if Im working with a credit repair company when Im clearly working on my own repairing my credit. This is considered a stall tactic letter from this CRA and this is a violation of my consumer rights. Do they not know I am very well capable of repairing my own credit.
Product: Vehicle loan or lease

Due to covid pandemic my job closed down and i was out of work and unable topay he car loan and pa uneployment was on a stand still for me and i called the bank because asking can all my payments go o the end of my loan and i was told they help me already and that my car been charge off /written off but make a paymeny of XXXX and it doesn't mean it won't get repossessed, I am a person who was very XXXX with XXXX  my son XXXX years old and myself, i just was asking for a little help in spike of the issue i had from day with this car and all the problems i suffer from it .I feel like i wasn't bein help i contact the CEO of pnc and his secetary calle dme back and said she tried to help me .but its to late .Its not my fault i had covid and my job closed down permanent becaus eof covid 19
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX, XXXX XXXX TRANSUNION Have violated my rights. 

on XX/XX/2023 I have submitted A identity theft FTC report through CFPB & United States postal service to XXXX, TRANSUNION & XXXX for the XXXX XXXX XXXX XXXX  ACOUNT ENDING IN # XXXX! I asked XXXX, TRANSUNION XXXX XXXX to do their investigation and remove the fraudulent account from my consumer reports. ON XX/XX/XXXX I received a letter from XXXX with my updated consumer report & the Fraudulent account with XXXX XXXX XXXX XXXX ENDING IN # XXXX Was removed from my XXXX consumer report & I also got the update with the removal on XX/XX/2023. 

On XX/XX/XXXX I received a letter from TRANSUNION with my updated consumer report & the Fraudulent account with XXXX XXXX XXXX XXXX ENDING IN # XXXX Was updated as " Verified and accurate '' On XX/XX/XXXX I received a letter from XXXX with my updated consumer report & the Fraudulent account with XXXX XXXX XXXX XXXX ENDING IN # XXXX Was updated as " Closed '' but still reporting fraudulent late payments. 

TRANSUNION & XXXX Stated that the account was properly investigated but how is that possible if XXXX REMOVED THE FRAUDULENT ACCOUNT, TRANSUNION STATES ITS VERIFIED AS ACCURATE AND XXXX MARKED THE ACCOUNT AS CLOSED WITH LATE PAYMENTS. This is unfair to me as a consumer because the FAIR CREDIT REPORTING ACT and the banking system is dependent on fair and accurate credit reporting. 15 usc 1681 states The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

TRANSUNION & XXXX ARE falsely claiming that this account is mine and are inaccurately reporting this account, THIS IS GROUNDS FOR REMOVAL. 

They also violated 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written consent. I have never gave this account written permission to furnish this account on my consumer reports.

I have attached my waterfall and my bank statement along with my ID so do not send me a STALLING LETTER!
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/PPC ( PayPal ) reported someone else 's account information to the credit bureaus under my name for an address I have never lived at. The account was opened on XX/XX/XXXX. My account was opened in XXXX and is in good standing. The other account from XX/XX/XXXX that I did not open up is not in good standing and has dropped my credit score over 100 points. I sent SYNCB/PPC a letter on XX/XX/XXXX and have not heard anything yet. I sent the letter so that they would have to sign for it and send a green card back to me, which I have received. It was signed for on XX/XX/XXXX. I just don't know how and when they plan on notifying me to let me know this has been corrected. XXXX  said there is nothing they can do until PayPal reports the correct information to them. The XX/XX/XXXX account that is not mine was opened on XXXX, reported on XXXX, High Credit of {$900.00}, Past Due Amount of {$180.00}, Account Type : Credit Card, 120 days past due, account closed by credit grantor. I got my credit reports the end of XX/XX/XXXX so of course none of this was on them, nonetheless this is not my PayPal account information. Also concerning the address in MS , linked to this account, how could I be living in 2 places at the same time. Not only have I not lived at that address, I have never given that as an address to PayPal.
Product: Checking or savings account

While using my atm debit card in XXXX, I noted that the currency conversion was not taking place. I contacted chase and they began to close my account. I have filed a case with the FDIC and OCC and have not recieved a proper response from Chase nor recieved the access to my funds.
Product: Debt collection

Someone named XXXX XXXX Diaz and Associates have contacted multiple people within my family telling them that I need to call them back because I missed several payments and need to make a payment.
Product: Credit card

Credit Card Company XXXX rewards card failed to post my payments on time. They closed my account due to the fact that my payments got reversed it says my payments has been posted but on their statements my payments didnt show up until XXXX weeks later. I called the customer rep and talk about the problem as Im getting late payments on my credit report. I provided them with my bank account for the automatic payments and still the same problem occurs. I keep getting charge late fees which they wave off but the derogatory marks in my report is what Im worried about. They deleted all my statements on my account I do not know how much I really owe them.
Product: Debt collection

On XX/XX/2023, I was the victim of identity theft. I learned that someone had opened a BestBuy credit card through CitiBank in my name without my authorization. This person made a single purchase at BestBuy with this new card. As soon as I learned of the purchase, I called BestBuy to report the fraud and close the account. I then called CitiBank to make the same report. I opened a fraud claim and created a PIN. I also created a fraud alert with the credit reporting agencies. I also filed an identity theft claim with the FTC, reference # XXXX. 

On XX/XX/XXXX, I again called BestBuy because I was still receiving emails from BestBuy about my account. I spoke with a customer care agent, and the agent " successfully sent an account closing request. '' On XX/XX/, I initiated a chat with BestBuy because I was still receiving bills and account statements. The person I chatted with assured me that the card had been cancelled and would not be sent to collections. However, I continued to receive bills from CitiBank. 

However, I continued to receive bills and calls from CitiBank about this debt. Whenever I answered the call, I was informed that the person calling about the debt could not access or do anything about the fraud claim. So on XXXX XXXX XXXX, I called CitiBank consumer protection. I spoke with someone named XXXX. She told me that this account showed a " confirmed active fraud claim '' and assured me that I would receive a letter in the mail to that effect. I was also told that it would not be sent to collections. 

One month later, the calls and letters from CitiBank continue. One week ago, I received a letter in the mail indicating that the account would be sent to collections. Feeling out of options and dismayed by CitiBank 's inability to facilitate communications between its consumer protection unit and its collection unit, I have turned to the CFPB. I continue to suffer from CitiBank 's intransigence. On XX/XX/XXXX, my credit score was XXXX. Today, it still records a " late '' debt that was due to fraud and my credit score is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always made ontime payments and never been late yet XXXX XXXX reported me as being 90 days late. I have never paid late and am on a forbearance plan and though they apologized and promised to get it off my record, they still have not done so.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1600.00} XXXXXXXX XXXX  XXXX Balance : {$1800.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX  XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX Balance : {$730.00} XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX  XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XXXX : {$620.00} XXXX XXXX XXXX  XXXX XXXX XXXX : {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

Speedy cash said I owe {$970.00} on a loan I never took out. The company has no record of the loan and told me someone is using their name. I delete the emails but after a couple of months it comes back. The case number is XXXX. They want me to use this email to respond : mailto : XXXX. Email sent from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX.
Product: Checking or savings account

XX/XX/21 I deposited a check for {$3700.00} into a branch ATM of my banking institution after normal business hours. By the time I got home I had an email stating they were placing a hold on the check. 

XX/XX/21 I call the bank why there is a hard hold placed on the funds bc they can't prove funds from the funding bank the check is written on, there's nothing they can do, etc etc XXXX XXXX XXXX. Person who wrote me the check sends me a screenshot showing her bank account she wrote the check on showing the funds have been subtracted from her account. I spent approximately an hour arguing about could I just get the check back and rip it up and have her pay via XXXX. Every response was no and too bad just go away. This bank offered absolutely nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion abo ut 2 weeks a go because they had a glitch within their company that caused my inquiries to be deleted and then they were re-added without giving m e 5 no tice as is required by law. When I contacted them, I was told that they were not going to remove these inquiries. I am requesting that the following inquiries be deleted from my report, as this is causing an undue hardship and is damaging to my credit.      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   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX    XXXX   XXXX ,  XXXX  Please make Transunion stop victimizing me!!     Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$500.00} XXXX  XXXX Balance : {$190.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

Date XX/XX/2023 {$1500.00} actions : tried to contact Bank of Texas, BOKF, NA On mentioned date I did transaction of {$1500.00}, on that exchange rate was XXXX but on paper before wiring the amount they have pre fixed exchange rate XXXX and by loosing {$63.00} approximately over and above of transfer fees {$20.00}
Product: Credit reporting or other personal consumer reports

I am filing this complaint under the **Fair Credit Reporting Act ( FCRA ) ** to request the permanent removal of unauthorized inquiries from my EQUIFAX credit report. These inquiries were made without my consent, violating my rights under FCRA Sections 609 and 611, which guarantee my right to accurate reporting and the ability to dispute unauthorized or fraudulent entries. 

Unauthorized Inquiries : XXXX XXXXXXXX XXXX XXXX  on XX/XX/year>. XXXX XXXX XXXX on XX/XX/year>. XXXX XXXX on XX/XX/year>. XXXX XXXX XXXX on XX/XX/year>. XXXX XXXX XXXX on XX/XX/year>. XXXXXXXX XXXX XXXX XXXX on XX/XX/year>. 

I am requesting that the CFPB ensure EQUIFAX complies with the FCRA by investigating and permanently removing all unauthorized inquiries. 

Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I emailed a live agent a copy of my cease and desist letter, the agent confirmed the email was received and I should be contacted within two days ( 48hours ) from an agent from the billing department. I was never contacted, rather late payments were reported to my XXXX and XXXX consumer reports. I am not sure as to why these payments were reported late or even reported to my consumer report at all when the representative stated that the company does not report to credit bureaus. Further, the company continues to contact me even after receiving my cease and desist letter.
Product: Credit reporting or other personal consumer reports

I have noticed some unauthorized and fraudulent inquiries on my credit report. 


XXXX XXXX XXXX XX/XX/ 2022 The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of utmost concern regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that EQUIFAX conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

XXXX stated they would not release the lien on my title, they. were paid off by a trading dealership
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly notified equifax the information from XXXX XXXX XXXX is inaccurate. They have yet to show when the last payment on the account was made and keep changing the date to keep it on the report. I have explained I was imprisoned from XXXX until XXXX. The first time they moved the date was early XXXX when they changed the drop off date from XX/XX/XXXX to XX/XX/XXXX. In XXXX when it failed to drop off I filed another dispute and found out the date had been changed to XX/XX/XXXX. THe other 2 companies have already removed the fraudulent information.