23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I had auto accident with rim damage in XXXX, XXXX, which was covered by XXXX -American Express card. Before dropping of the car on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asked for additional deposit of {$2000.00} on top of {$400.00} already paid. 
Upon return to XXXX on XX/XX/XXXX I filed claim with American Express card submitted my statement and related documents for them initiate the claim. 
Since XX/XX/XXXX till now Amex has been investigating the claim/investigation and i have submitted all documents they needed, now suddenly i see {$2400.00} charge reappear in my statement without explanation, upon calling Amex I was told because i did not provide my current car insurance details, which i had already done but I resent again. so the partially credited the account for {$1000.00}, still we have open balace of {$1400.00} plues late fees and interest of {$91.00} which is unfair since Amex has failed to honor their XXXX policy. 
Please see 3 Amex letters enclosed here XXXX letter dated XX/XX/XXXX that dispute will be resolved with a month, now it took 8 months 2nd letter dtd XX/XX/XXXX said {$2000.00} charge investigation claim closed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  charge claim closed. 

it does not give me any right to re- charge my amex for {$2400.00} after 8 months.
Product: Checking or savings account

Having issues linking checking account from TD Bank through third party apps on my phone to manage my accounts. ( XXXX, XXXX XXXX ) error received that TD Bank is blocking applications.

Called TD bank spoke to a rep and that stated that they cant help. That they are not blocking anything. However upon searching online I see similar occurances from other consumers. With similar investigation apps such as XXXX, transactions not getting posted, or issues verifying account information. 

Accessing TD Bank online works fine except when trying to link separate accounts. 

Issues have been going on for about two weeks on my end and I called and spoke to the bank rep on todays date X/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are not my accounts, nor did I authorize these companies to run my credit.
Product: Mortgage

This old Wells Fargo Bank account is causing me irreparable financial harm. I was issued a XXXX Cancellation of Debt years ago.
Product: Mortgage

I went through an illness, I have separated from my wife, but I was able to keep my children. I am well now and tried numerous times to work out something with Caliber Home loans to save my house. It has been difficult. 

I have had to file bankruptcy chapter XXXX to stop the sale. I was working on a part time job for many years and now they have decided to hire me full time. I make a good salary now and I am well physically and mentally. My children are all in school and doing well. 

I am willing to pay a good faith payment and trial payments to get an opportunity to save my house from foreclosure auction on XX/XX/ 2018.

I am willing to work with Caliber Home Loans if they will please give ma a chance to prove myself and keep my home I can afford to make the payments and maintain the property. 

Thank You Very Much!
Product: Debt collection

This company placed a debt from XXXX on my Credit Report on or around XXXX. The only way I knew it was placed there was through monitoring of my credit report. No mailings or phone calls were sent or received at all! I immediately phoned them to tell them that this was a XXXX claim involving an Attorney. I provided the name and number of the Attorney and requested the accounts be removed from all XXXX ( 3 ) credit reporting agencies immediately! It is now XXXX/XXXX/XXXX and they still have not removed XXXX of the accounts - XXXX. In calling this morning, XXXX/XXXX/XXXX, I was given to a Supervisor, XXXX. He was rude, and told me that they did n't have to remove anything. I asked XXXX who they report to, and he advised " No one! '' I asked to be transferred to someone else, so he transferred me to an empty line which hung up on me. In calling back, I asked to speak with a Supervisor, other than XXXX, so XXXX XXXX answered the phone. He advised that he was the General Manager and would process a XXXX form to the credit bureaus and send a copy to my email. I advised him that I 've been told before by his company that this would be taken care of and it still has not! I advised XXXX XXXX that this company is hindering me from moving forward, as my credit report is marked with something that is NOT my responsibility and legally can not and should not have been placed on my report. This needs to stop immediately! There are consumers out there that should be protected from companies such as this XXXX.
Product: Debt collection

Try to contact this company regarding a hard inquiry that was place on my credit report never have I ever apply for anything with this company so Ill ask to please remove this inquiry up on arrival of this letter thank you
Product: Checking or savings account

visited the bank to ask about status of {$100.00} checking promo.
Product: Debt collection

I contacted the GC servies, credit bureaus, and the BBB trying to get this collection agency to remove this debt from XXXX XXXX from my credit file. GC services continues to report / verify this debt even though there is not signed contract with either XXXX XXXX nor GC services. GC services continues to allege that billing statements verify this debt. GC services has yet to produce any document that displays my signature on it indicating a contract with either XXXX XXXX or GC services. I am not liable for this debt. I have no knowledge of this debt. I request that this debt be removed from my credit file in order to resolve this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts below : Account name : XXXX XXXX XXXX Account number : XXXX I dont have the full account number but this is the number reporting on my credit report. 

However stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

Paramount Residential Mortgage Group, notified the credit bureaus, that our loan payments were past due. When at the time, we had an agreement with PRMG, to skip XXXX and XXXX 's mortgage payment. Then pay the regular amount on, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The agreement is, if we make those XXXX payments on time, they would consider lowering our monthly payment. But almost immediately after agreeing to this offer, we were inundated with emails, phone calls and texts, saying our loan payments were past due. At no time have we ever missed a payment. All 's you have to do, is look at our payment history. We never missed any. So, according to the agreement that PRMG offered us, we didn't have to make a payment for XXXX or XXXX. Their agreement. So how in the world could we be past due. Notifying the credit bureaus was a mistake. All 's we're asking, is for them to notify the credit bureaus that we've never missed any payments and to give us our credit scores back.
Product: Credit reporting or other personal consumer reports

Inaccurate unverifiable information reported from all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

conducted by the Credit Bureaus. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and fraud. There were several personal and business ; credit cards and loans applied on my behalf from an businessman who said he was helping me find a house for purchase. Suspect name XXXX XXXX, he is in jail at XXXX County, for other fraud charges. He opened a corporation XXXX XXXX XXXX XXXX under my name in which I did not give consent. The accounts opened were : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Loan BBVA Compass : Credit Card XXXX XXXX : Auto Loan XXXX XXXX XXXX : Credit Card XXXX XXXX : Business Credit Card I do not know if there are other accounts opened under my name. I have checked my credit and has dropped significantly under 500 because delinquent accounts. I have several hard inquiries in which I did not give consent or had no knowledge. My wife, my sister and other family members are victims of XXXX XXXX identity theft and fraud. 
I do not speak English, only XXXX. My son is assisting me with translation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be deleted ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX TO Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have sent a police report, photo ID, social security number, and utility bill to Equifax a number of times. However, Equifax declined to put a seven-year extended alert on my credit a number of times. Due to Equifax 's data breach, the door was opened for the theft of my identity, yet they're telling me to prove the identity breach occurred ( XXXX XXXX, id XXXX )! Not only was that absurd, but this information is easily accessible to the entire world on the FTC site- Equifax Data Breach. 

XXXX and XXXX agreed to put a seven-year alert and security freeze on my credit, ( attached ). I am re-submitting all of the documents to CFPB, as I do not trust Equifax. I strongly suggest to ban this company, which can not even find/admit to their own data breach record, from doing business in the U.S.A. 

Note : Earlier CFPB complaint against Equifax : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting fraudulent trade lines on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX or XXXXXXXX XXXX XXXX, I received collection calls regarding an account, I thought it had to be incorrect so I ignored the calls. I pulled my credit reports in I XXXXXXXX XXXX XXXX and saw an account that had closed and gone to collections. I sent a dispute letter to all three Bureaus on XX/XX/2021. I received a letter stating " it was valid '', I sent a identity theft dispute through the FTC identity theft portal, then sent the confirmation number and another letter to all three Bureaus in XX/XX/2021, and received no response, I then sent another follow up letter with all the supporting information again XX/XX/2021, and I see notes on my credit report that I disputed this, however it is still reporting to the bureaus and I have yet to receive another response. They are in violation of my FCRA rights. I have no access to this alleged account, and have submitted what I was told to submit from the on line information.
Product: Payday loan, title loan, or personal loan

I have been engaged in discussio ns with Conn 's  since  XXXX   XXXX  about the interest rate they incorrectly added to my account when I received an installment loan for furniture in  XXXX   XXXX . Conns ' contact has been very sporadic and they 've been caught in multiple lies. This business is operating unethically and I plan to address with the Texas Attorney General.     I am attaching a copy of an email from  XXXX   XXXX , dated  XXXX   XXXX ,  XXXX , which specifically states " We are in the process of adding the " cash-option '' to  XXXX   XXXX  's account.  XXXX   XXXX  has paid the account balance in full and will received a refund of any interest  she paid on the account. '' The bottom-line up front is, 1 ) it is not hard to calculate the amount of interest paid ( I estimate {$1200.00} ) ; 2 ) it 's been almost a month and Conn 's has yet to come through on their word. Conn 's continues to retaliate against me for filing a complaint with the Texas OCCC.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of a bankruptcy entry on my credit report, ( XXXX XXXX XXXX  XXXX  XXXX XXXX ) which I believe to be in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and related regulations. The bankruptcy entry adversely affects my credit profile and financial standing, and I am seeking its immediate removal. I am invoking my rights under 15 U.S.C. 1681 et seq. to dispute this entry based on several violations, including Permissible Purpose, Right to Privacy, and a Investigative Consumer Report. Specifically, I believe that the reporting of this bankruptcy entry constitutes violations of 15 U.S.C. 1681a ( 2 ), ( 4 ), 15 U.S.C. 1681 ( a ), ( e ), and ( d ). Considering the violations and the lack of validation, I insist that you immediately delete the disputed bankruptcy entry from my credit report. This action is necessary to correct the inaccuracies in my credit profile and to restore my financial reputation. I am confident that the aforementioned violations have occurred, and I kindly ask for the immediate removal of the disputed bankruptcy entry from my credit report. Furthermore, I expect your timely response and resolution in line with the FCRA regulations. Please be advised that I am aware of my rights and remedies under the FCRA, and I am prepared to take appropriate legal action should these violations persist. I expect a prompt response within 30 days as per FCRA guidelines. Thank you for your attention to this matter. I trust that you will conduct a thorough investigation and take the necessary steps to rectify this issue promptly
Product: Debt collection

XXXX called me several times asking me to pay a debt from 5 years ago when I told her no Im not paying she said I hope u dont have kids because youre a bum, and then proceeded to call me back and said let me rephrase that your a XXXX XXXX XXXXXXXX!!!
Product: Vehicle loan or lease

To whom it may catch their attention, on the end of the month of XXXX I started disputing and allege Account with Santander Consumer USA XXXX And XXXX XXXX XXXX in the city of XXXX CA, I have noticed Several illegal activities on the contract. I addressed this with the dealership and with santander consumer USA. I have asked for verification on the contract of the vehicle, I have also noticed that I am making payment to Santander Consumer USA. on the contract that I signed With XXXX XXXX XXXX Shows My signature. But not Santander Consumer USA. In order for a contract to be valid both parties Signature Needs to be in that contract. to me, this is considered fraud I would like to continue making my payments. as requested by santander, consumer USA. If Santander. Could provide me with a signed invoice I will be happy to pay it. But if Santander Consumer USA. Can not provide me? With that sign invoice I am considering this account as discharge and regarding XXXX XXXX XXXX. The {$5000.00} given for the down payment of the Vehicle which I Was not required to pay. Needs to be returned to the consumer Also, to my knowledge, Santander Consumer USA XXXX TENDER OF PAYMENT. 
If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorse or accommodation party having a right of recourse with respect to the obligation to which the tender relates. If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument. Also, my understandings are the following.

Obligation to my knowledge the term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank. 
currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.
Product: Credit reporting, credit repair services, or other personal consumer reports

NEVER APPLIED FOR THESE
Product: Debt collection

In the third phone call I have received by the company within 24 hours, I was threatened to be taken to court, the representative XXXX XXXX exclaimed that " as a XXXX, I should pay my bills. '' She proceeded to tell me that I would have someone come to my job and or home to collect the debt from me. The first representative I spoke to said they were not trying to resolve anything, they were simply taking me to court, which I have yet to receive a summons for. The issue I continued to address with the parties is that the debt is not on my credit report and I have no one of validating the debt beyond what they were saying.
Product: Mortgage

I'm having trouble getting my name added as successor in interest on documents mortgage.I was deeded property before death by my grandmother..but there's a mortgage my name is XXXX XXXX XXXX XXXX There's also an escrow amount for taxes and insurance I pay the taxes and property insurance on sed real estate so why am I charged {$310.00}. XXXX a month making my total payment {$1300.00} I don't understand when I pay these privately. That {$310.00} needs off my mortgage please.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX My only employer is : XXXX XXXX My only telephone number is : XXXX Please remove all other names associated with my report, since they are inaccurate. 

Please remove all the other addresses from my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent XXXX, Transunion and XXXX dispute letter and an Identity Theft Victim 's Complaint and Affidavit pertaining to a XXXX XXXX XXXX XXXX account and XXXX XXXX XXXX XXXX XXXX inquiries dated XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX responded by deleting all three items from my report. I never received remedy for the damages.