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

I submitted disputes to XXXX, Equifax, and XXXX regarding incorrect information listed on my credit report. I provided a detailed list of the accounts and outlined the violations affecting my consumer report. Over 30 days have passed, and there has been no response. Enclosed are copies of the letters sent.

The company is in breach of FCRA 623 ( a ) ( b ) for failing to mark the disputed account as such.

They have also violated FCRA 605 ( c ) by inaccurately reporting the date of last activity, which should show the last payment date.

Furthermore, the company has not validated this collection account, which constitutes a violation of FDCPA 809 ( b ), as interpreted by the FTC.
Product: Credit card or prepaid card

XXXX  card XX/XX/2022 XXXX card was having known technical issues to their system. I made one {$50.00} top up ( bank transfer addition to card balance ) at XXXX XXXX that was completed successfully and added to my balance. The same day at XXXX I made another {$50.00} top up that displayed completed in the XXXX app but never added to my balance. Because this top up was necessary for me to make a purchase in the retail store, I had to immediately attempt another {$50.00} top up that was completed and added to my balance. I waited for the XXXX top up to appear in my balance but it never arrived. I contacted XXXX repeatedly asking for all receipts for top ups made on XX/XX/XXXX, the customer service reps provided 2 XX/XX/XXXX receipts and an already completed XX/XX/XXXX top up as evidence of the completed transactions. I acquired my bank statement that clearly showed the 3 {$50.00} transfers to XXXX bank on XX/XX/XXXX. XXXX refused to acknowledge that their system applied one of my XX/XX/XXXX transfers to a past completed transaction. I have evidence from my bank that all 3 {$50.00} transfers to XXXX were completed and taken by XXXX. I have been dismissed and ignored by XXXX customer service with no one willing to help. 
I requested XXXX provide me the receipts and as stated only 2 {$50.00} transfers appear in their documents all times correspond to my bank statement with the one {$50.00} transfer stolen by the XXXX system. Please Help
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these Items ( A ). It is not permissible to fail to validate these reporting Items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX
Product: Credit card

Synchrony Bank offers XXXX XXXX lines of credit. They are charging {$1.00} for paper statements. Consumers have the right to receive their statements via mail and should not be charged for this.
Product: Debt collection

On XX/XX/2018 I received a phone call from this debt collector at XXXX XXXX  PDT from their telephone number XXXX. In addition she did not even know who she was calling and said the wrong name at first.
Product: Credit reporting or other personal consumer reports

I noticed some unauthorized inquires on my report and in accordance with the FCRA i would like to have them remove immediately.
Product: Mortgage

I 've have been trying to complete a loan modification since XXXX XXXX 2013 because. I 've been submitting all required documentation to SPS financial and have not seen any results. I 'm currently working with a realtor to help me complete my loan medication because it 's been very overwhelming for me to complete this on my own. At this point, the lender continues to request new information and I 'm scared to lose my home to foreclosure.
Product: Debt collection

Im XXXX XXXX XXXX, and they contacted my mother out of state and told her what I owe and the full amount I owe.
Product: Bank account or service

On XXXX XXXX, my debit card and pin was compromised and I had {$300.00} withdrawn from my account without my knowledge and I was also charged {$170.00} in overdraft fees ( {$35.00} x 5 over the course of 24 hours ). I have reason to believe that it was compromised at a TD Bank ATM. On XXXX XXXX, money was taken out from a TD Bank location in XXXX less than an hour after I made a withdraw in XXXX. TD had flagged the account for fraud activity but never contacted me in any way. The card used also did not have a security chip while the XXXX issues to me did. After a 2 week investigation, TD Bank refunded the {$300.00} that was withdrawn and {$70.00} in overdraft fees. But because they had posted the overdraft fees before the fraud transactions, they are giving me a hard time returning the other {$100.00} that they charged me for this fraud transaction. They have promised me to return the money the following day twice but I have yet to receive any kind of credit for it. They are holding my money hostage, but still charging me monthly fees all because of their practice of placing some transactions before others rather than in the order in which they occurred in order to charge overdraft fees and collect money. This has been a nightmare and I am forced to be on hold for XXXX60 min anytime I call customer service. I even went to the branch manager and he brushed me off and told me I would have it tomorrow but nothing ever came. TD Bank should be barred from pursuing this practice against consumers! Transactions should be placed in the correct order that they were made, not how TD feels whats best for them. As of now, I was charged {$100.00} in overdraft fees on an account that had over {$100.00}.
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit reporting act this creditor has violated my rights, under 15 Usc 1681 section 602 states I have the right to privacy! 15 usc section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions! Under 15 usc 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

American Express is misleading consumers during credit card signup. Specifically around balance transfers. American Express has an internal limit on balance transfer amounts, but this is not disclosed in the terms of service, offer terms, or any other material during the account signup process. Additionally, American Expresses customer service line, prior to signing up for a new card, states to review the terms of service and offer terms for all requirements and restrictions related to balance transfers. Theyre mislesading consumers.
Product: Vehicle loan or lease

I have a loan with BMW FINANCIAL SERVIC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and BMW FINANCIAL SERVIC were successful resolution. XXXX and XXXX  wonly reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX2017
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent out a 609 letter to all three bureaus addressing accounts that I saw a sufficient amount of errors asking them to validate and correct all errors. On XX/XX/2022, I sent out XXXX demand to comply letters, asking them to comply with their rules, seeing that I had not heard back from non of the bureaus. It is now XX/XX/2022, I'm yet to hear back with any results. I have exhausted all my options and according to what I read on the laws pertaining to this situation, lodging a complaint with your department seems like my only option if I decide I want to go to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today due to my complaints # XXXX, XXXX, and XXXX was closed last XX/XX/XXXX when I reviewed it. I would like to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I received a Cares Act Grant for {$5000.00} which was mailed directly to SPS Mortgage in Utah by XXXX XXXX XXXX in Florida with my name and account number on the check. This was mailed XXXX and would have covered 2 home payments. I have sent copies of the award letter and the paid receipt the date it was mailed to SPS. I still have not seen the payments posted on my mortgage for XXXX and XX/XX/XXXX. I have called three times and the customer service staff will not put me into a cue to talk to someone who has the ability to search by my name or amount of the check being deposited in a holding account. They refuse to do the research until I provide more details, which have been requested on XX/XX/XXXX with XXXX XXXXXXXX XXXX office in Florida. There is a escalation in process to provide details, but in the meantime SPS should do their part and look for the check also. Thank you, XXXX XXXX XXXX SPSXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Phone XXXX Loan # XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for debt consolidation with Freedom Debt Relief in 2017. After 3 years of paying increments of {$130.00} plus their fees, I decided to pay the rest of what I owed as a lump sum since it is advertised on their website and from speaking to different agents on their chat system and phone, they said it would be the quickest way to " graduate '' from this program. Since XX/XX/XXXX, when the deposit went through, I have been contacting them and every time I have I have been told different things. First I was told it would take up to 10 days, then I was told 2 weeks, then I was told anywhere up to 30 days. I finally demanded something be done because I've been told the same thing over and over, that the creditors need to review my account and then negotiate the lump sum amount, so an agent said they would " look deeper '' into my account. He then told me that because I don't have an extra {$45.00} in my dedicated account that the system wasn't automatically starting the graduation process. I have asked them many times to see if they can manually do something and was told it is all automatic and all I can do is to check from time to time. He told me he was personally going to talk to his leadership to start the process and it still has not started. I chatted with someone today and am being told the same thing again. During this period they continue to charge me their service fee and continue to withdraw money out of my checking account. I am never able to speak to someone higher up or the creditors myself. I would have been able to pay off my credit card debt on my own with the funds I have but was told I could lose the resolution amount if I do it on my own so now my funds are sitting in an account while my credit score and report continues to negatively affect my life. Thank you for reading my long statement, I hope you are able to help me and other who are in similar circumstances.
Product: Mortgage

I worked with a HUD certified counseling agency ( XXXX of XXXX, CA ) to submit a complete loan modification application with supporting documents to the servicer of my mortgage, Caliber. But they went ahead and did a foreclosure sale anyway without ever giving me an answer about the modification. 

I was told by Caliber representative XXXX XXXX that there was time to stop the foreclosure sale if I got my information to them to apply for a modification. I did get the information in. I spent a lot of money on faxes to the counseling agency ( XXXX ) and on faxes directly to Caliber. 

Caliber confirmed to XXXX that my application was received. I tried to also follow up on the phone but I could n't get any information. I called at least three times just to check on the status of my application, but the person assigned to my case, XXXX XXXX, was never available. Caliber reps I spoke to said they would give a message to her, but I never got a call back. 

Caliber never told me or the XXXX counselor assisting me that anything more was needed. But they foreclosed on XXXX XXXX, 2016. 

Then AFTER the foreclosure I got a letter saying there were missing documents. That letter was dated XXXX XXXX, 2016 but the date from the postage meter stamp says XXXX XXXX and the postmark says XXXX XXXX. 

I am also concerned that Caliber representative XXXX XXXX discouraged me from using the HUD certified counseling agency that I was then working with and encouraged me to just work directly with her instead. Later on a different phone call I mentioned XXXX to a different Caliber representative. That representative responded by saying Caliber does not deal with third parties. 

Finally, I believe FHA mortgages I was supposed to be given a chance to have an in person meeting to work out a modification or payment plan or avoid foreclosure some other way. It was extremely difficult to work with all the different banks and servicers involved, so an in person meeting would have helped a lot. But I did not have that chance. 

After I lost my wife and fell behind on the mortgage, I heard about the Making Home Affordable program and I tried for a modification with XXXX XXXX XXXX. They kept telling me they got all my documents and were waiting for the underwriters to make a decision. Finally they told me that there was still no decision, but it had been so long waiting for the underwriters that my documents were too old. So I had to start all over with filling out an application and sending new documents. I did that at least three times and never got any decision about a modification. 

Then I started getting mail from Caliber, and I thought it was junk mail. I called XXXX XXXX XXXX and I was told they no longer serviced my loan. I had never been notified by XXXX XXXX XXXX or anyone else about a change in the owner or servicer.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or 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
Product: Credit reporting or other personal consumer reports

**Complaint Summary for the Consumer Financial Protection Bureau ( CFPB ) ** **Consumer Information** **Name** : XXXX XXXX **Correct Address** : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Subject** : Unauthorized Reporting and Selling of Personal Information **Details of the Complaint** : I am filing this complaint against the following companies for the unauthorized sale and reporting of my personal information without my consent : 1. **Credit Reporting Agencies Involved** : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These companies have collected and sold my personal information, violating my consumer rights under **15 USC 6802** ( regarding the privacy of consumer financial information ) and **15 USC 1681** ( Fair Credit Reporting Act ). I did not grant permission for any of these companies to sell, report, or share my personal information. 

**Demands for Action** : I demand the immediate removal of all information listed below from my credit report, as it has been reported without my consent and contains inaccuracies : 2. **Incorrect Name** : - The name XXXX XXXX is incorrectly listed on my credit report. My correct name is XXXX XXXX . Remove all references to XXXX XXXX from my profile immediately. 

3. **Incorrect Addresses** : - The addresses XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are incorrectly associated with my profile. Remove these incorrect addresses immediately. My correct address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 

4. XXXX XXXX XXXX XXXX : - **Account Number** : XXXX - **Date Opened** : XX/XX/XXXX - **Term** : 54 months - **Balance** : {$18000.00} - **Original Balance** : {$20000.00} - This account is inaccurately reporting late payments in XXXX and XXXX and XXXX of XXXX, along with a repossession in XXXX and XXXX of XXXX, and a charge-off reminder for the remainder of XXXX. It also shows a charge-off for XXXX, with a written-off balance of {$18000.00} past due as of XX/XX/XXXX. This account must be investigated and corrected, and any unauthorized reporting must cease immediately. 

5. XXXX XXXX XXXX XXXX  : - **Account Number** : XXXX - **Balance** : {$1800.00} - **Original Balance** : {$1500.00} - **Date Opened** : XX/XX/XXXX - The information listed for this account is incorrect and violates consumer rights under **15 USC 1682** ( Fair Credit Reporting Act ). This account must also be removed from my report. 

All inaccuracies and accounts reporting information without my consent must be removed from my credit profile immediately. These actions violate my rights under federal laws concerning credit reporting, including **15 USC 6802**, **15 USC 1681**, and **15 USC 1681i**, which requires credit reporting agencies to conduct reasonable investigations of disputes. 

I request the CFPB to investigate these violations and take appropriate action against the involved parties to ensure my consumer rights are upheld. 


Thank you for your attention to this matter. 

XXXX XXXX
Product: Student loan

I received XXXX hard copy letters from Navient offering a reduction settlement up to 70 % of the balance ( see attached ) but when I called I was pressured and bullied into {$600.00} payments, no reduction and told I " was n't eligible '' for that letter ... .no matter that the letter had MY NAME and MY ACCOUNT NUMBER. My Mom is XXXX yrs old & a cosigner on some of the Navient, they called her XXXX15 times day ... .I felt no options existed for me ... give Navient what they want or watch my Mom so imperiled by the harassment ... ... {$600.00} is well over 25 % of my monthly take home and after XXXX it will be 40 % of my income monthly. I believe those letters were a dishonest ruse, a bait-and-switch ... .jsut to get consumers to call them ... .the letters were a LIE but I also believe that Navient put the reduction offer in writing and therefore should be held to it. I am contacting your office, the AZ XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to have this fraudulent account removed from my credit report. I have no knowledge of ever having a credit card with this company.
Product: Credit reporting or other personal consumer reports

Do not recognize these credit inquiries, and I have asked for them to be removed and the bureaus did not do as you asked, I am providing and identity theft report, which you will attach to this and you are requesting them to be removed because they are inaccurate and not yours.
Product: Vehicle loan or lease

To whom it may concern : I Bought my XXXX XXXX from you guys back in XXXX of XXXX. I took it to a auto care business, because the engine kept on running on Hot. So I took it in to get it looked at. What it came down to that the tranny is going out of the XXXX that I bought from you guys. Your company can either fix the issue on my XXXX other was I will be sueing for fraud, whitch I have an appointment with a attorney on Tuesday an he is extremely interested in taking my case. You guys have til Tuesday the XXXX XXXX before XXXXXXXX XXXX to fix this issue or Im handling this over to my attorney. 

Now it has happened again, XXXX XXXX of XXXX IL.
Product: Payday loan, title loan, or personal loan

In late XXXX of 2017 I paid a Principal Payment to my Line of Credit account at my former bank Santander in the sum of $ XXXX.I then received a letter from the bank that I was forced to pay a late fee of {$69.00} for not making the regular payment. For more than 6 months up till XXXX XXXX of 2017 I paid my bill in Principal.I was angry and infuriated at Santander and their predatory practices not only I paid them {$70.00} I paid an additional {$21.00} to cover the fine which made no sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. Being that they have gone past 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that i have disputed. Please resolve this manner as soon as possible. Thank you
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. 
Account name : XXXX XXXX, has violated my rights. 

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.