23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this with the XXXX but I don't seem to be getting anywhere. Here is an overview of what is going on ... 
XX/XX/XXXX loans were taken out with Sallie Mae. Graduated XX/XX/XXXX. Was making payments on the loans. My mom ( who was the co-signer ) passed away in XX/XX/XXXX. I called and spoke with a representative to let them know she had passed away. They informed me that loan amount owed would be taken from estate. Sent the death certificate and they told me that she would not be removed right away because she had to remain on the account in order for her to be shown as being indebted to Sallie Mae. Nothing happened. They finally removed her from the loan XX/XX/XXXX. I made payment arrangements with them. Navient takes over and they begin to report inaccurate information and seem to have no knowledge of anything. They claimed that I stopped making consistent payments so they charged the loan off XX/XX/XXXX. But from the documentation that I will attach its clear to see that I was still making payments well into XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The current items are errors on my credit report. 

The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX XXXX The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, a collection agency ran a hard pull on my credit without my authorization. 
They are a collection agency. XXXX let them do that. It is my understanding they can't do that. It's not for a job. It's not for credit. It's not for insurance. An apartment. 

How can they have such disregard for credit laws?
Product: Mortgage

After receiving a request for payment of an additional amount to my regular payment I made a request for an explanation I was told it was due to an increase in property tax and insurance. I contacted both the town and my insurer and was told by the Town Clerks office my payments included late charges. I will pay both insurance and property taxes as of this date. I simply requested before any additional funds were paid that they provide the following : 1.An accounting of all late charges paid ( insurance and Taxes ) since they acquired the mortgage. ( I don't have any late payments ) 2. Removal and accounting of all mortgage, taxes and insurance as of the call date.

3. The New monthly payment reflecting the removal of property taxes and insurance.

4. Statement reflecting the status during mortgage company acquisition of my mortgage.

5.Immediate removal of late charges and negative credit report due to the new unexplained charges.

Whatever the difference I will pay immediately it they are accurate however I am still waiting for the explanation and just received a collections letter from them.

Thank you
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against MERCHANTS AND PROF. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Account name XXXX XXXXXXXX XXXX XXXX  and Account Number XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Product: Credit reporting or other personal consumer reports

I have disputed multiple inaccurate entries on my TransUnion credit report, but TransUnion has failed to resolve these issues or provide verifiable documentation to support the continued reporting of these negative items. Despite several dispute attempts and requests for documentation, TransUnion has not fulfilled its obligations under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681i and 1681s-2 ( b ). 

The following issues remain unresolved : Inaccurate Charge-Off Balances Several accounts are reported with balances that should not be present for charged-off statuses. TransUnion has failed to verify these balances or update the accounts to reflect a {$0.00} balance as required by law. 

Incorrect Late Payment Reporting My report shows inconsistent late payments compared to other credit bureaus, including multiple instances of late payment entries that do not align with my payment history. TransUnion has not provided proof of these late payments despite multiple disputes. 

Multiple Charge-Off Entries For some accounts, TransUnion has reported charge-offs repeatedly for several months, which constitutes multiple entries for a single charge-off event. This practice is misleading and violates FCRA guidelines for accurate reporting. 

Dates and Actions : First Dispute Submitted : XX/XX/XXXX Follow-Up Disputes Submitted : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX Most Recent Dispute Submission : XX/XX/XXXX I am also submitting a formal complaint to the CFPB, as TransUnions lack of compliance has caused financial harm and continued frustration. I request that TransUnion : Provide verifiable documentation for each disputed item or immediately delete the items if no documentation can be produced. 
Correct all inaccurate balances and update the accounts to reflect {$0.00} where appropriate. 
Remove all duplicated charge-off entries. 
Requested Resolution : Please ensure that TransUnion adheres to FCRA guidelines by updating my credit report to reflect accurate and verified information only. If TransUnion can not provide proof of these reported items, I request their immediate deletion.
Product: Checking or savings account

Connot verify bank account with financing company of link bank account to XXXX payroll service via XXXX.
Product: Debt collection

Ok midland credit management has been contacted multiple times on my behalf to provide the original contract on the debt they say I owe i am going to say this for the last time if credit management doesnt provide me with the original certificate of indebtedness and the contract with my and their signature I will take further action I am right now putting midland credit management on notice
Product: Mortgage

We had a usda loan dating originally in XXXX only in my husbands name. Louisiana is a community property state. He died in XXXX I continued making the payments until XXXX. I got behind and requested a loan transfer to my name. Denied bc of XXXX XXXX  debt WITH CHASE. I was given 90 days to pay or get out. I lost my home. The company should have to pay me what I paid for the mortgage covering XXXX years bc they knew they would never allow me to refinance
Product: Checking or savings account

I have complaints against Wells Fargo with the FDIC ( Consumer Response Unit ), Office of Comptroller of the Currency, and the Consumer Finance Protection Bureau. Relevant to the mismanagement of my funds by allowing fraudulent activity to take place in my accounts after they were deactivated and disabled. And I have received no help from Wells Fargo, as they are not a Customer Friendly Institution. However this complaint will focus on one specific issue, which has been addressed with Wells Fargo many times. For several months, I have requested the following : 1 ) a hard copy ( as I have no access to my accounts since the identity thief or thieves have taken it over ) of all activity within my Retirement Savings, Checking Account which I opened and also the one opened in my name by someone other than myself -- and without my authorization. And also all activity within my newly received Wells Fargo Charge card which had XXXX balance, and had {$1300.00} plus fraudulent charges placed on it. 
I am requesting the above items mailed to me at : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to XXXX through CFPB and the company responded that they are still working on the issue. I'm complaining that they should work quickly to remove my file and delete the erroneous information from their systems. I am complaining and noting that XXXX should know that there is no time to resolve this issue. They could be arrested, in jail or subpoenaed within 60 days if they don't act immediately. Normally within 15 days. It is illegal to place an individual 's information in XXXX or any other credit report file, randomly for no cause. XXXX deals with bounce checks and bank fees, and direct misuse of accounts, not " suspected ''. Possible alcohol and substance abuse is nationwide known factor in wrongful suspicion, along with other factors as well. XXXX has had 4 years to work on this issue and should have declined the bank 's faulty objection in 2017. They are supposed to have knowledgeable personnel who won't make these kind of errors. I am complaining about this. I am complaining that there is no more time.
Product: Mortgage

I applied for mortgage assistance/loan modification on XX/XX/XXXX Through Carrington Mortgage Services LLC. Each time I was told that I was missing paperwork or that my loan was in underwriting. I was also told not to make any mortgage payments or my mortgage assistance/loan modification would not qualify for help. I contacted the mortgage company weekly to biweekly for a follow up. not only for my modification but also for the insurance checks that I sent to be signed to pay the contactors who completed work on my house from Hurricane Harvey. Each time I called to see when the checks would be sent I was told that I was missing paperwork for the contractors o myself. Each time I sent the same documents. Now we are in the month of XX/XX/XXXX in which I called yet again to see if my modification was complete. I was told yes that I was denied because I have a low interstate. I never received a letter saying I was denied then on Saturday XX/XX/XXXX I received a letter from XXXX XXXX XXXX saying that my house is going to be foreclosed in the next 30 days if I did not make a payment in full. Then I asked about the insurance checks to pay the contractors and I was told that I would not receive those until XX/XX/XXXX in in three 25 % increments.
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 : DPT EDXXXX Account Name : XXXX Account Name : DPT EDXXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : DPT ED/XXXX  Account Name : XXXX Account Name : DPT EDXXXX Account Name : XXXX Account Name : DPT EDXXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : DPT EDXXXX Account Name : XXXX Account Name : DPT EDXXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX Account Name : XXXX has violated my rights. Or list of inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has my information mismatching with Someone else and so does XXXX  it says I have a XXXX  but I dont even have a car to my name, I tried applying for a car loan and was denied the credit bureau isnt helping me at all and I feel stuck please help me my number is XXXX and email is XXXX I can further discuss more on the phone
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

My personal information was sold to a third party without my knowledge and I gave no permission to obtain any of my personal information. I have received countless phone calls from this debt collection agency multiple times in a single day and also repeatedly day after day. They have contacted me during my work hours as well. I have no knowledge of this debt. Pursuant to 18 USC, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2. They also have no right to report anything using my personal information 15 USC 1681 4.
Product: Mortgage

Case number : XXXX Please be advised that this complaint has not been resolved. You have a history of the course of events surrounding my experience with Well Fargo, who established an escrow account because Wells Fargo violated my payment agreement with the XXXX Taxing Office and the XXXX Water board by paying my bill and establishing an escrow account and adding over $ XXXX/month to my mortgage payment.. Well many months have passed and finally, after I paid off the escrow and actually paid too much, a refund was due to me in the amount of {$920.00} as confirmed by XXXX XXXX in correspondence dated XXXX/XXXX/16. After several calls to XXXX XXXX, many of which were never returned, I have learned from her today, XXXX/XXXX/16 that the funds due me, {$920.00}, have in fact been sitting in a closed escrow account for almost XXXX months and should have been refunded to me almost two months ago. NO ONE followed up on my refund nor to XXXX XXXX, after closing the case, follow-up with the escrow department to ensure the refund to me was processed. XXXX XXXX promised to look into this after our conversation today and open another case to investigate as to why the funds were not sent to me. I find this to be deplorable business practices and wonder how XXXX XXXX can continue operate in such an irresponsible manner with no repercussions. Should n't I at least get interest on the funds held?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax sent me a letter ( attached ), stating that I, XXXX XXXX, requested a Fraud Alert be placed on my Credit Report ( s ). I DID NOT request any type of alert or block to be placed on my credit. Further, I did not ask Equifax to notify XXXX or XXXX of any such thing. This Alert/Block is damaging my ability to do things like get utilities in my name - I am a XXXX Veteran and this hinderance is actually life threatening for me. REMOVE all such Alerts/Blocks on my Credit IMMEDIATELY - thank you. I have sent this in written correspondence as well to all 3 Credit Agencies, along with Proof of my Identity and Address.
Product: Checking or savings account

I was debited {$2500.00} from my bank of america checking account. it is a fraud. XXXX XXXX XXXX is the company that took this money from my account.
Product: Vehicle loan or lease

Subject : Complaint Regarding Unfair Auto Repossession and Excessive Charges To Whom It May Concern, Due to financial difficulties, I was unable to continue making payments on my vehicle and made the decision to voluntarily surrender it. I contacted the lender multiple times ( approximately three to four times ) to inform them of my decision and offered to hand over the keys. However, without any notice or communication, the car was taken without my knowledge. No one knocked on my door, no paperwork or information was left, and I was not informed of the exact date it would be repossessed. 

After the vehicle was sold at auction, I was still charged an additional {$13000.00} which I believe is unfair and excessive. My concerns are : XXXX. I was not properly informed of when the vehicle would be repossessed. 
XXXX. The car was taken without any notification, despite my repeated attempts to coordinate a voluntary surrender. 
XXXX. No paperwork or documentation was provided at the time of repossession. 
XXXX. I was not informed of the sale price, and the remaining balance seems significantly higher than what should be owed after the auction. 

I am requesting a full breakdown of the sale price, the remaining balance, and any fees added. If proper repossession procedures were not followed, I would like this matter to be reviewed for fairness. Please advise on how this issue can be resolved.
Product: Debt collection

Portfolio Recovery Assosciates, LLC This is XXXX XXXX, I'm reporting Portfolio Recovery Assosciates several different laws broken against me in result to collect a debt. XXXX XXXX I sent a debt validation letter to Portfolio Recovery Assosciates them to validate a debt allegedly owed, I asked them to send me the following information to verify the alleged debt belongs to me. I asked them to send me the following information : 1. State the money they said I owed. 2. How did they come to determine that amount. 3. Provide copies of agreements bearing my signature stating that I agreed to pay what they said I owe. 4. Show proof that the statue of limitations have not expired. 5. Provide proof that they are licensed to collect in my state ; provide license number. 6. A valid, legible copy of the agreement stating the debt and interest charges. In result, Portfolio Recovery Assosciates DID NOT provide proof that the statue of limitations did not expire, Portfolio Recovery Assosciates NOT provide proof that they are licensed to collect in my state, Portfolio Recovery Assosciates NOT provide information about how they determined the alleged amount owed. Portfolio Recovery Assosciates broken SEVERAL LAWS AGAINST ME!!!! The following consumer laws have also been broken, 15USC 1692 ( J ), 15 USC 1692 ( B ) ( 2 ), and 15 USC 1692 ( E ) ( 10 ), 15USC 1681 section 604 ( A ) ( 2 ) 15USC 1681 ( C ) ( A ) ( 5 ) 15USC 1681 ( A ) ( 1 ).
Product: Checking or savings account

This is second time I am filling complaint against Synovus bank and their overdraft charges. 
XXXX time it happened last year. 
When I checked my balance before I spent my money I have enough to cover charges. When I looked on my statement my balance was {$6.00} when I was charged {$36.00} overdraft fee. I was told that there I was another charge that I can not see that cost me overdraft fee. That charge had not posted until 2 days later ... and on the statement even one printed at the bank I never was negative This time I was in overdraft {$3.00}. I got charged {$36.00} overdraft fee on that. Again I checked my balance before I made another charge ... I had money to cover it because my direct deposit was done next day. That happened over the weekend. Overdraw happened on XX/XX/23 on XX/XX/23 I had {$50.00} deposited to my account then I spent {$35.00} and some small charges not to exceed my balance. 
On XX/XX/23 when I looked at my account I was in negative balance of {$140.00}. That equals XXXX overdraft fees. I didn't understand since I was only {$4.00} in negative. I was even more upset when they charged me {$35.00} overdraft collection fee. 
I contacted customer support today. I took my time... I was too upset to call. 
Today representative told me that policy changed. Before XXXX XXXX {$5.00} would not cause overdraft there must be something else. Again all charges causing more overdraft fees did not posted until XX/XX/23. I was told there were XXXX other charges pending in their other system. Those pending charges never showed on my statement or account pending... 
Since they process courtesy refund in XXXX for first incident and that only happened after I filed complaint, there is nothing they can do this time. 
The worst part new policy changes starting XX/XX/23 you must be negative {$50.00} before overdraft fee is charged and there is no collection fee. 
I guess I am out of luck. I am only one working in family I don't have money to cover. Overdraft fees... I have been with this bank for over XXXX years... 
They are hiding pending charges. No other bank does this. I don't understand how they get away with it. 
On top of everything else I was told if I don't cover overdraft charges my account will close and will be charged off...
Product: Credit card or prepaid card

I filed two disputes with XXXX. One was for {$100.00} on or about XXXX XXXX, 2023. I noticed the charge on my account and asked them to investigate it. I signed into my XXXX and noticed that it was on my XXXX as well and reached out to XXXX for further assistance. I have a representative on a recording stating that I won the claim and do not owe them. However, Chase keeps stating that I owe them when I do not. I have sent in my XXXX statement showing that I did not make the purchase and stated that my account was compromised but they refuse to listen. I want my money back because it is not legal or ethical to hold me liable for a purchase I did not make! Also, I filed a dispute with Enterprise rent a car showing my car insurance company paid them over {$300.00} for the rental while my vehicle was in the shop. I paid enterprise a refundable security deposit. I was denied my money back by both XXXX and Enterprise. This is THEFT and I want my money returned to me! This has caused so much XXXX XXXX when I am already battling so many troubling things. I want my cases opened and evaluated by someone higher up who can help!