23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have been through it with this company. On XX/XX/XXXX I got an alert to my phone that advised fraudulent activity. On XXXX Bluebirds rep advised I would have my card within XXXX business days. WELP, here we are XX/XX/XXXX evening time and still no card. To add a few insults to injury, Ive talked to 12 reps and 1 supervisor " XXXX '' who is off shore and lacks empathy or customer service skills. These genius 's not only did not send me a card but messed up my address so my employer advised the direct deposit rejected. Not only until I called ( after many attempts and having to have my sister use her account info and call on XXXX way to get a rep ) they claimed there was an issue with my address being formatted and its been corrected... Still no debit card!! I have called every day 3-4 times a day since then. These reps tell me oh your card wasnt sent until the 12 then another says oh no no no it was mailed on the XXXX. The biggest slap in my face is 4 days ago a rep had the nerve to tell me they could only expedite my card if I FOOTED the {$25.00} bill to send it. After multiple reps overlooked that my address wasnt formatted ( Their verbiage ). Oh theres more! I get the so called supervisor XXXX from off shore who continued to talk over me, repeatedly advised My card was sent on XXXX then XX/XX/XXXX like the other reps. He not only gave misinformation but he submitted for me to get a withdrawl check by MAIL. I didnt ask for that!! Now Im calling to prevent them from issuing me a check because there is no way I trust these people with sending a check when Ive been waiting on a card for almost 21 days. They tell me to call today and get a stop payment on the check. The first guy says, after leaving me on hold for XXXX minutes, oh their systems are down you have to " call back in a few hours ''! The second guy says oh let me call that department, comes back to the phone saying oh we already sent the check itll be to you in XXXX business days. I STILL maintain my composure after he mutes me and I ask for a supervisor ( XXXX was his name ) Mutes for another XXXX seconds and sends me to another genious who is a supoosed supervisor who puts me on hold 3 times only to do like the last XXXX reps and tells me to call back Monday to make sure the check doesnt get mailed! WHAT! Are you kidding me! The first rep told me she put a stop pay on the check and to call back XX/XX/XXXX if its not posted back to my balance! Meanwhile, I still dont have a card! They keep lying saying they sent me a card and they havent! They have the card and my money! I have called so many times I have gotten the rep XXXX 3 times! The same guy! What are the odds of that in a call center. Just expedite the card and right your wrongs!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion twice today. I explained to the foreigner that I their customer service line would NOT allow me to order my report over the phone. He asked me for my SSN. Then he pointed me to a different website : XXXX Once he did that, I asked " Why are you sending me there, after you just asked for my SSN?! '' I informed him that I know I should be able to call and obtain it, Just Like the 2 other bureau 's!

I hung up, thinking it was not legitimate. I was scared!!! 
I can not retrieve my credit report from TransUnion. It demands that I pay $ XXXX/month. 
There is NO option on Transunion 's website to get my free report! 
They are horrible!
Product: Credit reporting or other personal consumer reports

I have informed TransUnion multiple times that my personal information is incorrect. While most addresses have been removed, one inaccurate address remains. Additionally, I have been a victim of identity theft, and a XXXX card has been fraudulently opened in my name.
Product: Vehicle loan or lease

GM Financial after receiving the XXXX affidavit, to claim the exemption of property tax as the vehicle owner, are trying to charge the client the tax improperly billed by the State to them as the vehicle owner. The affidavit needed by them to present the exemption application was sent since the first year of contracting the Lease. Proof of that are XXXX statements with no charge for property tax. 
The agents representing GM Financial by phone, while calling to dispute the charge, XXXX times confirmed receipt and were going to adjust, which has not been done. After the calls a letter claiming the tax was received, and answered pursuing Tax Code section 11.252 GM Financial either omits including the vehicle, in the list to claim exemptions for personal use, to the State, or was billed incorrectly, and must dispute the charge with the State of Texas. 
There is no responsibility for the client, since he is not the vehicle owner, to claim the exemption with the state, or dispute the charges. 
GM Financial must adjust the billing immediately instead of trying to neglect their own responsibility for omission, negligence or being billed improperly by the State.
Product: Vehicle loan or lease

So they keep my state every year about a car that I got that broke down less than 30 days before I got it I didnt wan na take me out of the load
Product: Mortgage

XX/XX/XXXX To : Ameris Bank Attention : Mr. XXXX XXXX XXXX, Chief Executive Officer XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX United States Subject : XXXX XXXX  XXXX XXXX Malfeasance in ref. Loan Number XXXX Dear XXXX XXXX : I am writing to you today to express my grave concerns regarding the professional competence and clear malfeasance of XXXX XXXX  XXXX XXXX in regards to the handling and processing of my personal mortgage payment made on XXXX the XXXX of XXXX. 

On XX/XX/XXXX of this year my wife and I made our monthly mortgage payment via XXXX  XXXX XXXX on-line bill payment system in the same fashion we have done, with no problems, every month for roughly the last 10 years. We were disturbed to receive a late notice from XXXX mortgage on behalf of Ameris Bank later that month. Upon follow up, they advised that they had no record of our payment. 

Investigation with XXXX  XXXX XXXX revealed that there were no issues with our payment. They verified that XXXX had cashed the check and was in possession of the funds. To assist us, they forwarded proof of payment to XXXX multiple times in various forms starting in XXXX. We are now in our third month of attempting to rectify this matter with XXXX. They still have not accounted for our payment and we have no evidence of any good faith effort on their part to assist us in doing so. 

I have personally spent 9-10 hours on the phone attempting to speak with a representative, navigating a challenging voice mail system with average hold times of 35-55+ minutes. A system clearly designed to frustrate callers into hanging up so that  XXXX can minimize their staffing and maximize their profits. When we have been successful in connecting with a person, we have encountered indifference, apathy and bureaucratic laziness. 

While my {$2300.00} mortgage payment is a negligible sum in comparison to the roughly {$160.00} XXXX USD in net income Ameris Bancorp earned in XXXX or the {$100.00} XXXX USD in gross revenue earned by XXXX, it is a significant sum to my family and we would greatly appreciate any assistance you can offer in reconciling this matter. 

Respectfully, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX and CEO XXXX XXXX XXXX XXXX XXXX 
Honorable XXXX XXXX, Attorney General of the State of Illinois Honorable Senator XXXX XXXX, Constituent Affairs Honorable XXXX XXXX XXXX, Director Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit card or prepaid card

Charged XXXXXXXX XXXX for XXXX on XXXX card. My cousin paid for her half of the cruise on an XXXX card. Cruise postponed until XXXX due covid. Then in XXXX of XXXX XXXX cancelled cruise altogether and sent me copy of ledger page showing refund made to cousin 's XXXX card and my XXXX card on XX/XX/XXXX. My cousin received refund on her XXXX card ; XXXX said they never received my refund. Follow up with XXXX impossible as they went bankrupt. I feel confident XXXX got my refund and lost it, as my XXXX card number had changed in XXXX. I have explained situation to dispute department but all they send me are form letters saying it is untimely since the original charge was in XXXX. When situation wasn't resolved I sent certified letter to XXXX of XXXX and received a reply saying it should be taken up with Bank of America. I sent certified letter to President. of Bank of America which was signed for on XX/XX/XXXX but I never received a reply. Amount involved is $ XXXX
Product: Checking or savings account

I tried 6 times over 6 months to work with Ally Bank XXXX XXXX XXXX XXXX PA XXXX to stop sending account statements to my old address and new address. They said they fixed it each time, but sensitive documents continued to my old address. Ultimately, I closed the account but they continue to send statements, which I am concerned about because my old address has a new owner. Please stop them from sending paper statements to my old address for a closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Experian Escalation Department : I ( not a credit repair company ) have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I ( not a credit repair company ) am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX XXXX XXXX NA XXXX not mine STATE OF MI XXXX XXXX XXXX not mine COLLECTIONS XXXX XXXX   XXXX XXXX not mine How is Experian able to verify these items when other agencies can not? 

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. 
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file, please notice your internal Report Number. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion did not properly investigate my dispute that I placed through the CFPB, regarding of XXXX XXXX XXXX being in my credit report. They took only a week to investigate this, without taking my identity theft fraud in consideration. I have reported this company previously to Transunion. I do not know who XXXX XXXX XXXX is and have never had any dealings nor financial dealings or interest with that company. I had reported that company as fraud over 6 months ago, to Transunion, and they removed the company and now they have allowed the company back on my credit report. Transunion is also aware that I am a victim of identity fraud and they have this alert notice on their records and still allowing fraud accounts on my report. Therefore, I want Transunion to remove the company and the charge of {$76.00} from my credit report. The charge does not belong to me and I have never had any dealings with this company.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the information contained in my consumer report, as provided by your agency. Upon reviewing my report, I discovered that undisclosed personal information about me has been shared with a non-affiliated third party without my written consent. This appears to be a violation of the regulations outlined in 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information. 

As per my understanding of the Fair Credit Reporting Act ( FCRA ), I have the right to be informed about and control the disclosure of my personal information. The disclosure to a non-affiliated third party raises concerns regarding my privacy rights, as I was never afforded the opportunity to opt-out, as mandated by law. 

Upon careful examination of the report, I noted that specific accounts are being reported without my written consent. It is crucial to clarify that my dispute is not with the creditor but with your reporting agency for disseminating and reporting information without proper authorization. 

I reference 15 USC 1681b - Permissible Purpose, which necessitates a consumer 's written consent for the reporting of personal information. Presently, I have not granted such written consent, and I kindly request documentation to validate my consent, demonstrating compliance with this legal requirement. Failure to furnish evidence of my consent could be construed as a violation of my rights under the FCRA.

Additionally, I have filed a report with the Federal Trade Commission ( FTC ) concerning this matter, and the reference number for my complaint is XXXX. I believe that the unauthorized disclosure and reporting of my personal information may constitute a violation under 18 USC 1028a, potentially constituting identity theft.

Pursuant to 15 USC 1681c-2, I formally request the removal of the following accounts from my consumer report within four business days from the date of this letter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I affirm my right to a fair and accurate credit reporting process, emphasizing that the swift removal of these accounts is crucial to rectifying the reported inaccuracies. 

Furthermore, I request documentation regarding your method of verification for the disputed accounts and records showing proof of my option to opt-out of the information being reported in my consumer report. This will ensure that your reporting agency adheres to the necessary standards for accuracy and fairness in credit reporting. 

I anticipate your prompt attention to this matter and the resolution of my dispute within the specified time frame of four business days. Non-compliance with the provisions of the FCRA may result in further legal action.

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ever since Transunion added incorrect employers on my credit report per Score sense. Upon farther research this names and address and employers does not belong to me at this moment in time. I have only 1 address and 1 name I do not have any aliases, and only one Employer what these Credit Reporting Agencies are doing is criminal in itself. Because by receptively and despitefully continuing to criminally behave like this what this Credit Bureaus are doing is that they criminally putting my reputation on the line, even after multiple attempts on my part to contact them for them please update my name as it clearly shows on my Government issued Docs and for them to please remove and aliases because I never had any aliases and to please remove any old addresses of my credit reports. Since I have been a victim of identify theft in the past I am extremely afraid of falling victim of identity theft again lost the identify theft filings documents in a fire that completely ravaged our house years ago, because our family house had caught on fire so I lost all the documents that I had. Notwithstanding these Credit Reporting Agencies have completely ignored my multiple Request to them to please fix these major issues that are constantly showing my credit report profile on the contrary these agencies are frivolously subjecting my credit profile to fraud. According to the FCRA, ( Credit Reporting Agency Names are violating my rights as a consumer and I'm requesting legal action to remove these names and addresses employer immediately
Product: Credit reporting

information added to my credit report was false and collection agency agreed to delete, equifax also agreed to delete and XXXX year later information is still not deleted, equifax will not allow me to dispute online and will not answer my letters by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok heres my problem with Nationstar Mortgage/ : Mr copper. I I purchased a house on XX/XX/XXXX. I got a divorce about 11 months after the fact and doing that gave my wife or ex-wife rights to the house. Now here it is XX/XX/XXXXwhich is 12 years later these companies Mr. Cooper/XXXX  mortgage are still posting a negative balance And falsely showing that Im been making a payment 120 days ago because thats what reason my card for 120 days late. This is the question I have is it legal for a company to sell the house twice and still charge the guy that bought the house or XX/XX/XXXX which is 12 years ago in the back penalties or whatever theres any need to do whatever no I dont think so when you sell the house I thought it was him free of all liens indeed and whatever else. So my question is this, if Mr Copper can do whatever he wants, we may as well just go ahead and just throw the Civilian right away that I served in the XXXX XXXX for XXXX XXXX  to defend, Im sorry but these big companys in our country get off to easy with no legal action taken against them for the Unconstitutional and illegal actions that they decide they want to do.My name is XXXX XXXX XXXX my phone number is XXXX please call me and get the rest of the story I have all documentation and representation I need to go to court if you want no I want just going to go down I want to sue them I want him to fix my credit for the past 10 years of mess it up and be punished for it, if nothing else make them give me the XXXX XXXX for the E legal documentation this representing on my credit report as of today 120 days late is 12 years old whats up. Bottom line is this I dont give a care about the money or whatever discount you need to go down just because of doing wrong and I was sick of it. And heres the kick in the XXXX  I cant use my VA loan because these punks have got me two points off of the qualifying close score to qualify for it so they are hindering me from doing what I want to do because theyre doing some illegal so hows that right
Product: Mortgage

RE : XX/XX/2019 CFPB complaint # XXXX-XXXX and subsequent XX/XX/2019 application for SPS RMA program. 

I received a letter from SPS dated XX/XX/19 ( today XX/XX/19 ) explaining that XXXX   XXXX actually owns my mortgage account not SPS? 

SPS also is sending account verification documents which is not the subject of my CFPB complaint. The essence of this CFPB complaint is germane to my SPS mortgage payment was that : ID Theft activity left me unable to make my monthly payments putting me 2 - 3 months behind with all of my current creditors. 

And the SPS relationship managers e.g., XXXX XXXX were calling demanding payments after I explained my circumstances e.g., ID Theft ( no money in the bank ). 

And to explain that I am in the process of working with those creditors including SPS ( Legacy Mortgage ) for payment arrangements ( RMA ) while I wait for whether or not XXXX investigators finds the person ( s ) that seems to have unfettered access to my XXXX accounts using PII?
Product: Debt collection

The Medical Revenue Services contacted me on my cellphone regardless of my request that all communication be through the USPS, they have ignored my request nor they properly and in completed reply to my correspondence.
Product: Checking or savings account

On XX/XX/2023, I thought I purchased a maltipoo from a company/ family called The XXXX XXXX XXXX XXXX On XX/XX/XXXX  I filed dispute charges because when I tried to gather flight information it was not provided so to protect myself I did filed dispute charges. USAA gathered more information and reversed the {$900.00} that I paid using through link sent called XXXX. I was asked to sent more information over such and a contract and anything related, I did that. Upon receiving another email requesting the same information, I uploaded the information again. On XX/XX/XXXX  I seen an email about the {$900.00} being reversed due to me not sending in the requested documents. I told the agent I did and she advised that I upload them on the USAA Send Documents tab, I did that. Today on XX/XX/XXXX   I seen my account was now - {$900.00}. I chatted in about it and was told the Dispute Team said the requested documents werent sent in. I requested to speak with a manager and was told a Resolution Team would reach out to me. Someone from the team called me today and did look over the documents and seen everything was sent that they requested. She also informed me that the team said the merchant did not match the payment method. I am not sure what that means but she said the team note that nothing in what I sent said anything about XXXX. I have nothing stating that name but I do have documentation about the agreed amount and the link that was sent to me, which is now showing expired. This was my first time hearing about the merchant and the XXXX not matching. They can see based on the information that I sent, which the Dispute Team deemed mostly irrelevant, that fraud was at play. As of now a request was put in for a member of the Dispute Team to contact me in 3-4 business days but as now theres nothing they can do I am told since the merchant and the XXXX arent matching.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes.These failures align with my experience where XXXX has neither corrected nor remove disputed items despite the evidence I provided, causing on going harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX violates federal law my rights as a consumer.