23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We purchased a property XX/XX/XXXX in XXXX, NC. Our mortgage was sold to SunTrust Mortgage. They accepted our flood insurance last year but this year for the renewal they will not pay the premiums out of our escrow. They stated that the insurance is not backed by National Flood Program. Our property is in a XXXX Resource Area and federal flood insurance is not available. We have asked several insurance companies, banks, homeowners association officers and no one has ever experienced this. In addition, we became aware of a NC state law ( Biggert-Waters Flood Insurance Reform Act of XX/XX/XXXX ), which basically states that our lender MUST accept the insurance we have through Sterling Surplus. Yet SunTrust still refuses to accept and pay. 
We want SunTrust Mortgage to pay the premiums out of our escrow and accept our insurance.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX The information listed below, that is currently listed on my credit report is a result of that XXXX Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Payday loan

I am seeing a debt on my credit report, I have no payday loan with any company for the last 10 years.
Product: Credit reporting or other personal consumer reports

Im submitting This without any influence and this isnt a third party.kickoff stated my account was properly investigated but how is that possible if the last payment date was XXXX but inaccurate the date last active is inaccurate and the date last reported is not accurate? This ground for removal, They also violated my rights under 15U.S.C 1681 section602A. States I have the right to privacy 15.U.S.C 1681 section 604 section 2.It also states a consumer reporting agency cant furnish an account without my written instructions.Per the FCRA as federal Protected Consumer, Im now opting out of Any an All authorization I the consumer may have given you written, unwritten, verbal, and non verbal per 15 U.S.C 6802. The Illegal late payments, that you are reporting concerning me are harming me personally, emotionally, and financially, and causing me damage .Please see attached, document with proof inaccurate information my consumer report. I request that you promptly delete all late payment.
Product: Checking or savings account

I was charged over draft fees and account closed due to fraudulent charges and was denied my claim I believe it was an unfair practice by navy federal and should be reimbursed and account reinstated when clearly these charges were made out of state and I also reported my bank card and personal information stolen and was still denied
Product: Vehicle loan or lease

XX/XX/2023 My car was repossesed. My auto loan is with WellsFargo. I was told that my loan was charged off and I could not reinstate. I am not aware of all the fees that were applied to my account. I was told that I had a deferment of 3 months and WellsFargo changed it to 2 months without my approval. I was not aware that my loan was in status of becoming defaulted. I have filed XXXX and WellsFargo still insist to deny me.They are currently in a class action lawsuit for this very reason.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach that has resulted in unauthorized accounts and inquiries appearing on my credit file. Under XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ), I request that all accounts listed below be blocked and deleted from my credit report : Fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I tried about 5 years ago to get a modification on my mortgage through a company called XXXX and it turned out to be a major scam. They charged me almost {$4000.00} and disappeared. Well XXXX lawyers later and approx. {$20000.00} later the bank Wells Fargo is still denying me a modification and has broken all laws pertaining to the modification. The last lawyer I had XXXX XXXX charged me {$3000.00} to try to get the mod and he said he believed he could get it and he could n't and now he wants to charge me {$1300.00} a month to file the lawsuit with no guarantees at the end. He is also charging me just to talk on the phone. I need direction and an attorney that can work with me to sue Wells Fargo and try to save my home. 

I would like the mortgage and escrow to be lowered to an affordable amount and the interest and lawyer fees to be reimbursed since the only thing that was done was paperwork. I am tired of being ripped off by attorneys who charge too much money to get no results.
Product: Student loan

last XXXX I was enrolled in the XXXX program. my payment was around XXXX dollars a month. I missed a document explaining what program I was in and called Aidvantage to find out. I was given the bad advice of re enrolling as a way to determine my program. I did that and my new payment was calculated at over XXXX a month. I have called back several times and each time told it is impossible to roll it back. Finally I was helped by an employee who was able to get my new calculated payment down to the mid XXXX. advantage appears to be refusing to process this. every time I call back, about 4 times now. they claim it is in process and will be updated but I am forced to get a forbearance as my total owed doesn't change. I believe they are purposely not process it to allow the interest to accumulate on my forbearance.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending letters over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I request your assistance in resolving this matter.
Product: Checking or savings account

On today while speaking with a customer service representative. She first advised me that this was a recorded call. Which is odd because usually its stated by their automatic system. However she would not allow me to make any changes or have proper access to my account. Then she began to mumble over her words and became a XXXX XXXX XXXX. They became very despondent when I disagreed with online mobile banking. And afterwards stating that she had to transfer me to another department in which never happened. And they has individuals from third world countries who doesnt know how to fully perform the required simple tasks and its wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX hard inquiries I don't recognized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute was filed with XXXX informing them they are furnishing inaccurate an incorrect information on my consumer report and that the reporting of the inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes, and the reporting of this inaccurate information has damaged my livelihood. The IRS clearly defines a charge off as Gross or Ordinary income. Income does not get reported on the consumer report which in fact makes the reporting of the information to my account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge Off ( Certificate of Indebtness ) is Income. Reporting this account as a debt is inaccurate. 15 U.S.C. 1681 section 602 A states that I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 reads that a consumer reporting agency can not furnish an account without my written instructions. 

The charge off accounts on my report are as follows : XXXX XXXX  XXXX XXXX XXXX 'S XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Since XXXX, I have attempted to get the title in my name. The original title was in the name of my deceased sister. This would involve a state to state title change. I live in Illinois, my sister lived in Wisconsin. 

On XX/XX/XXXX, Hyundai Motor Finance requested Wisconsin send them the title so they could do the name change. I spoke with the WISCONSIN DMV and they said they fulfilled the request on XX/XX/XXXX. Hyundai said they never received. I continued to follow up with XXXX on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX, I called the Wisconsin DMV and they said they couldnt do anything since there was a lien on the vehicle. They suggested I payoff the vehicle and Wisconsin could issue me the title once Hyundai removed the lien. 

On XXXX, I sent Hyundai the payoff amount due via priority mail. On XXXX, the payoff amount was credited to my account. On XXXX, I received an email from Hyundai ( XXXX ) saying they are working to release the lien on the vehicles title. I have patiently waited since it appeared that it could take up to 20 days for the title to be released. As of today, XX/XX/XXXX, the state of Wisconsin still reflects a lien on the vehicle. 

I am unable to register or sell the vehicle. This is my second complaint as it pertains to Hyundai and this vehicle.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. All these accounts listed above. Has violated my rights. 
15 U.S.C 1681 section 602 A. States i have the rights 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.
Product: Checking or savings account

I have unauthorized transactions on my Chase business account. Chase never investigated the claims and closed the dispute in less than 3 days. Chase refused to provide documents on what they used to determine those charges were valid. I was told they dont have any because none were used. Under federal law an account review isnt an investigation. They were supposed to submit documents to the business and request evidence that can be used to investigate the claim. My card was stolen. I was out of the country when these transactions took place. No way I couldve been in two places at once. XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX Lemonade XXXX
Product: Debt collection

My husband had medical debts that went to collections. The collection agency went after me and reported these debts on my credit report only. I objected to them reporting it on my credit. I objected to to the fact that the collection bills come only in my name. We do not live in a community property state. The collection agency insists that the debt is my legal responsibility and that I have no recourse in this matter. This has damaged my credit score making me unable to buy another vehicle at a decent rate.
Product: Consumer Loan

I fell behind on an auto loan with Reliable Credit Association. The loan officer offered me a settlement that if I brought the vehicle back they would settle the account and not charge me the balance after auction sale. however, they report an unpaid balance of over XXXX on my credit report. this is contrary to our agreement, the account should reflect a zero balance.
Product: Debt collection

This is the 4th time that XXXX had tried to put a collection on my credit report. You have made them take out off 3v times before. I have a government phone, I've had it for XXXX. I've never used XXXX for any thing ever and they know it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to log into Equifax site with KNOWN good login information. Attempts to log into were frozen after three attempts. Called customer support. Customer support asked questions pertaining to my credit history that did not have correct answers given my credit history ( asked for a singular answer about a student loan, for which I have several ... ..refused to clarify the question ). Representative refused to acknowledge the nebulous nature of the question itself and refused to acknowledge the inherent difficulty. Supervisor likewise refused to acknowledge the " no-win '' nature of the questioning and offered to unlock my account ONLY after requiring that I send PII documents via regular mail. It is my opinion that Equifax is not conducting their business in an honest or ethical nature, and very much needs additional attention from a regulatory agency.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX was stolen in XXXX and part of XXXX 's report. XXXX refused to acknowledge card was stolen. Currently the Credit Report reflects XXXX Card account as term Current / Terms Met or ND ( No data for this period ) for XXXX and XXXX. This is incorrect. I assume this is a game by XXXX to keep on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Bureaus keeps disrespecting the laws. 

I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) - the credit bureaus have to modify or delete accounts that not reporting accurately.

According to USC 1681b ( 1 ) - the credit bureaus don't have no written permission. XXXX has not. According to 15 USC 1681- I have the right to privacy.

According to 15 USC 1681s-2 - 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.

According to 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( B ) Reporting information after notice and confirmation or errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on. 

The Credit Bureaus have no respect for the laws. Someone needs to hold them accountable for this. I added two attach letters I have sent to Transunion and XXXX over 45 days ago. I have even added the USPS conformation receipt as proof I have mailed out these two letters. I will be filing a lawsuit with my attorney XXXX XXXX XXXX. I sue before and won my case.
Product: Debt collection

Midland c redit management is trying to collect on a debt they bought from  XXXX . I h ave sent 2 certified letters to midland asking them to provide proof that this debt is valid proof being a c ontract bearing my signature ( which does not exist ) each and every time midland sends me a letter stating the debt is valid which it is not as  you recall Midland h as previously been found to be illegally collecting on debt that the consumer does not owe on. This again is the case here. Perhaps if they spent more time investigating these items instead of looking for instant profits they would do themselves a great service. As of today I have not been provided me with a contract bearing my signature which is the only form of validation acceptable under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit bureau refuses to delete information on my credit report that occurred as a result of fraud. I sent them my FTC identity theft report along with a copy of the police report.
Product: Credit reporting or other personal consumer reports

Request to Block Fraudulent Information on My Credit Report Under 15 U.S.C. 1681c- 2 ( a ) I am writing to request the removal of fraudulent accounts from my credit report under 15 U.S.C . 1681c-2 ( a ). I am a victimf of identity theft ( ftc # XXXX ), which I believe is connected to the data breach at Equifax. As a result, my personal information was compromised and has been used without my consent to open accounts idn my name. 
The accounts that do not belong to me are listed : XXXX acct # : XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX
Product: Debt collection

Message they continue to leave on my voicemail : " Hello we have a message from ERC. This is a call from a debt collector. Please call XXXX and provide the following reference number XXXX. '' This has nothing to do with us.
Product: Credit reporting or other personal consumer reports

I have made multiple efforts to resolve the issue of false, incorrect, and deceptive information on my consumer report, but the problem persists. These erroneous entries have severely affected my life, causing considerable distress. I must emphasize that I never authorized the inclusion of this information under my name, as I have been a victim of identity theft.