23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been paying Sallie Mae for months now, last fall in XXXX ( XXXX  ) I turned on auto-pay to automatically deduct the bill from my account so I wouldn't have to go out of my way to pay the loan. The following month came around and I began receiving dozens of automated calls at all hours of the day each and every week. The calls were followed by emails and physical mail exclaiming to me that my loans were overdue and had late penalties attached and required immediate attention. Sallie Mae was then called directly to " square '' away the matter. They said to me that they would remove the late fee as the bill was on auto-pay. Literally every single month since this has been exactly the same. They claim that my auto-pay set up is somehow late each and every month and late fees get tacked on every single time despite the bill being AUTOMATICALLY PAID each and every month. They do nothing but harass me on a daily basis about the matters and I'm sick of this and their inability to resolve their own issue. The power they wield affects my credit and I'm sick of them abusing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Consumer and natural person am a victim of identity theft. Experian, has used and furnished my consumer report without my consent or written instruction. Experian has neglected my rights as a consumer by allowing companies to share my non public personal information without my consent. Experian has also used this information to furnish an invalid consumer report. XXXX makes it clear that as a consumer i have a high to privacy. This credit reporting agency which is also considered a financial institution has violated my federally protected rights as a consumer and has benefited off of this action.As a consumer I have rights to privacy and Experian has violated my rights by failing to meet the needs of XXXX by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information. Experian is in direct violation of XXXX XXXX XXXX ( b ) by furnishing a consumer report on my behalf and failing to assure MAXIMUM possible accuracy of the information concerning the individual about whom the report relates. Experian is in direct violation of XXXX XXXX XXXX in which I have not authorized, consented or given any direct written instruction for Experian to report these inaccurate accounts on my consumer report leading to identity theft. Their Wilfull noncompliance which is a direct violation of XXXX XXXX XXXX has caused me actual damages and severe XXXX. The FCRA was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the consumer rights to privacy. Experian is in direct violation of the FCRA law XXXX by not holding up to its responsibility when furnishing consumer reports. Experian is in violation of multiple laws under the FCRA and is also in direct violation of the XXXX XXXX XXXX XXXX of 1999.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax information on two negative items on my credit file that is inaccurate. The two items were Bankruptcy. They sent me a new credit file stating that the info was verified through XXXX. I had disputed these online on the Equifax website with them before and they said it was verified. The information I sent Equifax was a copy of my credit file I got from them and a copy of my documents from the pacer system online. I highlighted the errors for them. Once I got a response from them stating the info was verified again, I called them. On the phone, the rep stated that because the documents do not have the court seal, they can not verify the info. I told him that the info on my credit file that Equifax got from XXXX had no court seal either. I also sent a letter stating that according to the Fair Credit Act that inaccuracies found must be deleted when asked. The rep kept asking what was the inaccurate info and I kept telling him it is all in the info I sent to Equifax, in the letter. Since there were multiple things wrong I gave him one and that was the address. He then stated that they do not report an address under the Bankruptcy on my report. He tried to twist the info like I was talking about an old address that I used to live at but I corrected him on that. I told him that I have an old report from XXXX and a new one from XX/XX/2023 and they both have addresses under the bankruptcy for the court it was held at, and the info was wrong. He wanted to go around in circles but I just politely told him that I was getting off the call and I would contact outside sources for help with this matter. It's sad that my XXXX # was in the data breach that they had now I have to fight them on this.
Product: Payday loan, title loan, or personal loan

I went to speedy cash after XXXX filled an application I had statements they requested they copied them I was denied a title loan and title was with me and I was denied because of im XXXX and have a payee. My mother cant walk XXXX XXXX XXXX
Product: Vehicle loan or lease

XX/XX/year> Requested payment deference and was denied XX/XX/year> Requested to be mailed payment options as solicitor kept calling asking for payment, at the same time disabling my ability to make an online payment. 

XX/XX/year> Ally financial gave my personal information to a third party XX/XX/year> Vehicle Repossessed, damaged, personal property stolen valued above {$2000.00}. Decision made internally, no judgement by a court.
Product: Credit reporting or other personal consumer reports

Recently, on XX/XX/2023 I did another investigation on my credit report and realized that there were several inaccuracies, invalidated and unverifiable items that the credit bureau agency is reporting. 

Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of their reported claims. Their failure to remove these claims is a violation of my consumer rights and is unjust. 

The credit reporting agencies are either not responding or stating that these were investigated and verified. Again, they're several inaccuracies still showing on my credit report and in some cases have been removed and then reinserted causing me to lose housing opportunities and from obtaining credit. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S.C. 1681e ( b ) and 15 U.S.C 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My computer was hacked/ has been hacked for years. Ive only ever recently started taking action, ive started disputing stuff with XXXX XXXX but that takes too long. All of the hard inquires on my report are false.
Product: Vehicle loan or lease

My husband and i bought a car through XXXX XXXX and they went out of business. They sold the debt to another agency.Did have my permission to sell it. The abutration said that it cant be sold without my consent. Then that company sold the loan to a collection company. This debt is going from hand to hand.So from XXXX   XXXX to XXXX, to XXXX to some collection company. This has no rights to due business like this. Just keep passing all my information alone leaving it in anybody hands. I didnt know nothing about XXXX when they transferred. I did business with one company not 4.Violation of all our information
Product: Debt collection

AMSHER COLLECTION SERVICES HAS ALREADY ATTEMPTED TO PUT THIS ON MY CREDIT LAST YEAR, AND I REPORTED TO CFPB.THEY HAD IT REMOVED OFF MY CREDIT ONLY TO ILLEGALLY PUT IT ON MY CREDIT REPORT ONCE AGAIN HERE IS THE OLD STATEMENT AMSHER COLLECTION SERVICES HAS MY PARTNERS BUSINESS ACCOUNT ON MY CREDIT REPORT. ITS FOR HEAVENLY COVE. HOWEVER THEY HAVE PUT IT ON MY ACCOUNT. FURTHER SPEAKING TO THEM I ASKED FOR THE LAST STATEMENT. THEY SAID THAT XXXX OWNED THE DEBT STILL, HOWEVER AMSHER COLLECTION SERVICE IS ON MY CREDIT REPORT. SO I DONT KNOW OR TRUST THIS COMPANY. THEY ARE ILLEGALLY PLACING THINGS ON MY CREDIT REPORT. AFTER SPEAKING TO THEM THEY MADE ANOTHER OPEN ACCOUNT ON MY REPORT WHERE IT SHOW ACCOUNT {$83.00} CREDITOR NAME IS XXXX XXXX SO IM KINDA CONFUSED TO HOW THEY ARE LEGALLY ALLOWED TO DO SO.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX Balance : {$99.00} ; XXXX XXXX XXXX Balance : {$25000.00}.
Product: Mortgage

1 ) Incorrect Property Tax Payments : Since establishing my mortgage and escrow account with Fifth Third in XXXX, the bank has been erroneously paying property tax payments for a property that I do not own. This totals more than {$1500.00}. This discrepancy was confirmed by XXXX XXXX and I can provide evidence if requested by Fifth Third. Despite my attempts to address this issue, Fifth Third has failed to take appropriate action. 

2 ) Deeply unsatisfactory Customer Service : On XX/XX/XXXX, I called Fifth Third Escrow customer service ( XXXX ) to raise concerns about the incorrect property tax payments. I was met with dismissive and unhelpful responses. The representative asserted that the bank 's automated systems precluded the possibility of such errors. Subsequently, when I requested evidence to validate the property tax payments made by Fifth Third, I was informed that the escrow office that handles property tax does not entertain individual customer requests, which I found both baffling and unacceptable. 

On XX/XX/XXXX, I contacted Fifth Third customer services in the Fifth Third App to submit a formal complaints. I encountered further obstacles. A representative named XXXX assured me that my complaint was being addressed, only to abruptly terminate our conversation without resolution. Subsequently, I sought assistance from another representative, XXXX, who informed me that she could not locate any record of my previous complaint and insisted that complaints could only be submitted via phone calls. This contradictory information not only undermines the reliability of XXXX 's assurances but also casts doubt on the integrity of Fifth Third 's customer service practices. Attached are the screenshots of my interactions with all the representatives I talked to on XX/XX/XXXX.
Product: Vehicle loan or lease

I paid off my auto loan with US Bank on XX/XX/2017. US Bank never released the lien with the CA DMV. 

In XXXX when trying to transfer the title while trying to sell the car I discovered that US Bank was still on the title as a lien holder. I am selling the car because I'm moving out of state and can not transport the car myself. On XX/XX/XXXX I requested a lien release letter from US Bank so that I could take care of this with the DMV and assumed that they would electronically communicate with the DMV to release the lien. Upon requesting the letter US Bank informed me that the lien release process would take 3 business days plus delivery time. I then called after 3 business days to make sure the letter had been sent. It had not, at which time they told me it was delayed and expected it would take 7 business days. At 7 business days I called back to check again at which point I was told it was now taking 15 business days. I called back several times after this to see if it could be expedited, but to no avail. On XX/XX/XXXX I scheduled an appointment with a US Bank branch representative XXXX in XXXX CA, who called the office in charge of lien release who relayed the message that the lien release had been sitting around but that they would get to it within 10 business days. 

Because of the almost 4 year delay from US Bank I now have to pay for car transport from California to Texas because I'm unable sell the car which has a lien on the title even though it is paid off in full. I also have the letter from US Bank stating that it is paid off in full.
Product: Mortgage

Since XXXX we have paid our mortgage that includes an escrow account for property taxes and home owner insurance. In XXXX XXXX sold the home loan to Penny Mac and they continued to pay the home owner insurance policy that is until XXXX. Our home owner insurance company closed the policy for non payment with no call or email to notify of the situation. Furthermore we paid in XXXX XXXX a escrow differential to cover an increase on the policy supposedly. XXXX XXXX company would not reinstate the policy and when I call Penny Mac they blame us and we asked them where is the money we pay every month towards the escrow, they say " oh, it 's sitting there. This is clearly a case of mortgagee error. Penny Mac has to admit error and apologize and do whatever it takes to reinstate my home owner insurance at no additional cost to us.
Product: Mortgage

My mortgage was recently sold to NewRez. In XXXX of XXXX, without my knowledge or approval they began withdrawing an extra amount from my checking account. Since I only keep enough in my account to cover the bills, I was charged at least one overdraft fee. I did not realize that I was being billed the extra amount until XXXX of XXXX when I finally received a statement. I did not receive a call, an email, or a message on the mortgage website. I contacted them on their site on XX/XX/XXXX, over the phone on XX/XX/XXXX, and again on their website through the mortgage account sign in on XX/XX/XXXX. I have also reached out to them today XX/XX/XXXX through the website. I have not heard back from them after contacting them through the website. When I spoke to XXXX over the phone on XX/XX/XXXX, he was initially polite. He stated that they had sent me letters saying that I did not have insurance so they were providing me with home insurance and billing me escrow. I did not receive any such communication. I always pay my insurance myself and do not escrow anything. I asked for my money to be returned. He essentially said tough luck because they had already paid it out. When I asked about the contact info to provide proof of insurance, he then chose to give me the wrong contact information. He also said that this would not be resolved for several weeks so that they would continue to withdraw the extra funds from my account. I also mentioned to XXXX that the profile they had for me had the wrong information. I was listed as having a landline in California with an address also in CA. He mentioned something like " Oh we just did a trace and got that number, but we do not have a CA address for you. '' Isn't that illegal? I am now concerned about identity theft because of this shady practice. Please help me. It is not fair that such a horrible mortgage company is being abusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

REVIEW THE LETTER I SENT REGARDING THE INQUIRIES, LATES AND CHARGEOFF ACCOUNT. I'VE BEEN SENDING YOU MULTIPLE LETTERS AND YOU SAID YOU DIDN'T RECEIVED IT OR THERE WAS AN ERROR ON MY FTC OR MY DOCUMENT IS BLURRY. STOP MAKING EXCUSES. WHEN I SENT YOU DOCUMENTS WITH LETTERS AND FTC I MAKE SURE IT IS CLEAR.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter toExperian made a follow up call late XX/XX/XXXX and was told by representative the investigation would be complete by first week of XX/XX/XXXX. I called in XX/XX/XXXXand another representative said it would be complete by the following week in XX/XX/XXXX. I received letter stating this account was investigated XX/XX/XXXX. Which means the cbureau did not vother to reinvestigate the matter since XX/XX/XXXX  month ago. 30 days past. By law this account is to be removed immediately and permaneantly deleted. IN addition to this I have sent multiple letters to have this account validated. I have no such account for said amount and there has been no paperwork sent to me for the said account verifying accuracy of details or amount. I am simply asking for this account to be deleted permanently due to the dispute being over 30 days and unverified data after multiple letters asking to remit said detailed account.
Product: Mortgage

I received a notice that my payment would increase substantially due to an escrow shortage. After a lot of research I found a payment made from escrow for insurance in XX/XX/2020. The amount was more than double what my insurance premium is, and my premium was also paid. After hours on the phone with BB & T they found that they had paid a policy for the previous owners with XXXX. After contacting XXXX, BB & T told me they'd received a bill from them in the previous owners name and it was paid when it should not have been. XXXX had refunded that amount to the previous owners, who then cashed the check. They said they would look in to it, try to obtain reimbursement from XXXX and I should be refunded at an unknown time, at which I could request re-evaluation of my escrow account to lower my monthly payment to normal amount again. I let them know this is not acceptable. This was not my mistake and had nothing to do with me, that they paid someone else with my account and that I expected an immediate refund. They said they would have management call me in 24 hours. I waited 72 and received no call. I called back then, once again stating that I expected an immediate refund. BB & T once again informed me there's nothing they can do and I will just have to wait as long as it takes. I requested to be transferred to someone in management, at which point the line was disconnected.
Product: Credit reporting or other personal consumer reports

I noticed two " Hard '' Inquires on my Experian i did NOT authorize nor permit these one from XXXX XXXX on from XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to investigate my disputes regarding inaccuracies in my credit report properly. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U. S. C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I requested that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : * XXXX XXXX XXXX ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX * XXXX XXXX XXXX  ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX XXXX XXXX XXXX XXXX ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX * XXXX ; Under the Account Number : XXXX ; XXXX On : XX/XX/XXXX XXXX XXXX XXXX XXXX  ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX * XXXX XXXX XXXX  ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX * XXXX XXXX  ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX * XXXX XXXX XXXX Under the Account Number : XXXX ; Opened On : XX/XX/XXXX * XXXX  ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX * XXXX XXXX ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX * XXXX XXXX ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX * XXXX XXXX XXXX ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX * XXXX XXXX ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX XXXX XXXX XXXX ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID ( Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft Report
Product: Credit reporting, credit repair services, or other personal consumer reports

Paragon revenue group inaccurate account I asked for a debt verification letter never received one.
Product: Money transfer, virtual currency, or money service

I was contacted by a person representing themselves as Citi Bank via text and phone. They stated someone was trying to wire money from my account. The number they called from was the actual city bank customer service number which I have learned is called spoofing. They were able to access my account and wire transfer {$3200.00} from my account. They gained my personal info from the banks wire transfer service
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Everything has to be 100 % accurate on my report The Credit Bureaus stated my account was properly investigated and verified. 
These INQUIRYS are fraudulently on my credit report. 
Please send me verification I authorized these : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX This is ground for removal they violated my rights. 15 U.S.C.1681 section 604 A.

Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

Also the Credit Bureaus took more 30 days to complete my investigations.