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

I am filing a complaint to notify you that I was a victim of identity theft. After researching how to remove the fraudulent items from my report, I found that I need to visit the Federal Trade Commission or https : //www.ftc.gov to file an identity theft report. According to FCRA Section 605B, Credit Reporting Agencies must remove any items listed on an identity theft report. Attached are the documents needed to remove the erroneous information and fraudulent items from my report. Below is the list of items that do not belong to me or were opened without my permission : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ), Credit Reporting Agencies must remove any items in a consumer 's file identified as resulting from an alleged identity theft no later than four business days after receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information that is reporting on my credit report regarding this loan is grossly inaccurate. I have attempted several times, in vain, to contact the company to have this information verified and if not, removed. Yet they continued to update the same information including inaccurate balances, false notifications of debit, and incorrect dates. XXXX XXXX was not even the original creditor of this loan and it appears they have the date they took over the loan listed and not the actual date. Hence so much confusion regarding the validation of the debit, balance, and payments. Once the vehicle was repossessed it was then sold and I was supposed to be notified of any balance which they never did. But moreso this was over 8 years ago and its still on my credit report and they refuse to remove it or provide validation of the debt they continue to say its valid without providing proof as the law demands. 

Since none of this has not been done I am asking the CFPB to investigate their deceptive business practices. This debt has remained on my credit report despite the numerous disputes far past the allotted timeframes. 

Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 closed on a home mortgage in XXXX XXXX my new loan servicer was to be SC Housing . I have had them for XXXX months and made both payments well before the due date. I came home on XXXX to a yellow door hanger asking me to call them. 

I was frantic and had to wait until XXXX because it was after getting home from work. I spoke to them and they said the notices are left when someone does not make a payment on mortgage for at least XXXX months or if it is late. I have records showing the payments have been made and deducted from my bank account. He checked the records and said he sees and it must have been an error. 

ERROR? You sent someone to my house suggesting payments have not been made- to appear like a foreclosure or eviction notice causing embarrassment and XXXX. I do not believe the person and need to have something in writing to know that this is true and factual and also to know that this will not happen again. I do not have faith in the SC Housing at this point and am concerned about how my payments are being applied at this point.
Product: Mortgage

Try to get help am on the covic relief but my mortgage company not helping me and the Hud company got no help from them either XXXX XXXX
Product: Debt collection

****THIS IS NOT A DUPLICATE**** CONDITIONAL ACCEPTANCE UNDER PROOF OF CLAIM, AND UCC 11 SEARCH Now comes XXXX, XXXX ; COMPLAINANT and pursuant to Article VI clause 2 of the organic Constitution of these United States of America as per the Supremacy Clause. 

XXXX has not seen or been presented with any documentation verifying that l have voluntarily, knowingly and intentionally, entered into a contract with Wakefield & Associates, to perform to your demands ; and believe that no such verified documentation exists nor has my wet ink signature with your third party company ; XXXX has not seen or been presented with documentation verifying that all the terms of the contract were disclosed in the document and believes that no such verified documentation exists. 

After checking my records your company has NOT provided me with the contract we signed together. If you can not provide any agreement between us from this day on you agree to pay my fee of {$3000.00} usd, for contacting me without my written Express consent. I will also file harassment and identity theft charges. Please also send me the 1099-INT for this account.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be deleted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted my FTC Affidavit, notarized and signed, with the police report number. 

XX/XX/XXXX responded XX/XX/XXXX and updated the information on my credit report that was due to fraud they sent a letter saying that the items were removed however they have been reappearing since XX/XX/XXXX on my credit report and XX/XX/XXXX told me to put a Freeze on my report which I did but the two accounts and three collections are still showing on my report as of XXXX. 

Experian responded XX/XX/XXXX and said that I did not send the proper information to my FTC Affidavit but I sent the affidavit, notarized and signed by the police report number. They then said that I needed to submit additional documentation as far as my passport, ID or SS # and I submitted all three : The four collection accounts and six accounts due to ID theft on my account are still showing on my report as of XX/XX/XXXX and Experian has not responded. 

XXXX responded on XX/XX/XXXX and removed the accounts, and appeared on XX/XX/XXXX they were showing again and, the rep I spoke to in the fraud department said it was a glitch in their system it was removed XX/XX/XXXX and was not showing any of the accounts due to fraud now as of XX/XX/XXXX three accounts are back showing that were due to Fraud. 

I have attempted since XX/XX/XXXX to get the items removed that were due to ID Theft and submitted the proper documentation for each bureau and nothing has been doing by the credit bureaus. As results, my credit scores consistently fluctuate and the fraud departments are saying that I have to go through a dispute process. 

Why would I need to go through an additional dispute process when I have submitted the proper documentation? Why would they remove the items send me an updated copy and letter stating they would and, then reappear and blame on computer systems. 

I am now seeking assistance and felt like I needed to file a complaint almost a year dealing with reoccurring issues.
Product: Student loan

I have contacted Sallie Mae directly XX/XX/2022 after I had been called daily whenever loans overdue. I have contacted XXXX and Left a message at XXXX XXXX University. It was written in one site about private student loans that to deal with Sallie Mae loans should be in default. After talking with XXXX I was transferred to the Fraud Department where I talked with XXXX. 

I explained I felt my grandson and I had been taken advantage of by XXXX  XXXX University and Sallie Mae. My grandson qualified for work study ; is a XXXX  in an under represented university and program ; is a child of a single mother, BUT never qualified for lower interest rates, federal funded loans or any financial grants. I co-signed two loans ( {$15000.00} and {$17000.00} ), but now my grandson has 4 loans totaling over {$100000.00}. 
When I talked with XXXX in the fraud department he only wanted more information from me. I dont have access to any online accounts and I wouldnt give my social security number. Of course they already have most of my information, thats how that can email and/or call me so regularly. I asked for a person to call me which has not happened. 

Please advice me on next steps. Thank you. 
XXXX XXXX
Product: Credit card or prepaid card

I had gone to XXXX  XXXX XXXX to take out my check well part of it XXXX dollars the machine dispensed XXXX at XXXX  XXXX XXXX the atm machine was mistakably stocked wrong XXXX dl bills were in the XXXX slot and the XXXX dl bills were on the XXXX slot so i called XXXX  XXXX XXXX and let them know what was going on with there atm then i called XXXX XXXX  to open a claim so i can get my money back XXXX XXXX i opened the claim I opened my claim on XX/XX/XXXX i got my response yesterday saying that fraud was never done and there will be no credit because their team of investigator found that there was no wrongful doing at XXXXXXXX XXXX XXXXXXXX i have called both backs since XX/XX/XXXX everyday i was not the only one this happened too so how would they not find nothing if both back and pay services were called the claim at XXXX  has been closed i have 3 girls and late on my rent because of this i have no money and now this that my money can not be returned had XXXX XXXX called XXXX  XXXX XXXX like stated they would had learned their atm machine was at fault both businesses have been giving me the run around and like mentioned before how do i pay my bills if no one wants to help me i don't want them to give me xtra money i just need my money and an apology for their lack of investigation
Product: Credit reporting or other personal consumer reports

I am filing this complaint against transUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) in response to my recent dispute regarding inaccuracies in my credit report. I submitted a dispute over 35 days ago concerning several discrepancies in the reporting of my accounts, and transUnion has not made any corrections or provided a satisfactory explanations for their decision only update the accounts but not send me every steps how they verify my accounts only send me the same details in every requests. 
I believe TransUnion has violated multiple FCRA provisions, including the duty to investigate, correct inaccuracies, and communicate the results of their investigation in a timely manner. 
Account in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For Violations Section 1681i ( a ) ( 1 ) ( A ) - Duty to Investigate Disputed Information The FCRA mandates that credit reporting agencies conduct a reasonable investigation of disputed information within 30 days of receiving a dispute. 
Violation : I waited 35 days for TransUnion to complete their investigation, and they ultimately failed to address my concerns adequately. I believe TransUnion did not conduct a reasonable investigation within the legally required timeframe. 
Section 1681i ( a ) ( 5 ) - Duty to Correct or Delete Inaccurate, Incomplete, or Unverifiable information Under the FCRA, credit bureaus must correct or delete information found to be inaccurate, incomplete, or unverifiable after conducting an investigation. 
Violation : TransUnion did not make any corrections to the discrepancies | identified, dispute the information on my accounts appearing inconsistent across credit bureaus. These discrepancies remain on my credit report, negatively affecting my credit standing. 
Section 1681i ( a ) ( 6 ) - Notice of Results of Reinvestigation The FCRA requires credit bureaus to notify consumers in writing about the results of their investigation, including any changes or updates to the disputed information. 

Violation : TransUnion 's response was insufficient in addressing my concerns. They stated that the information was correct without explaining why the account details were inconsistent across bureaus or providing any documentation to verify the accuracy of their findings. 

IM ATTACHMENT MY IDENTITY because that's how the delay this investigation asking for proof.
Product: Credit card

My commander was contacted on several occasions due to payments I made late on my exchange credit program ( ECP ) card. As your site says below, this is illegal, yet it is right on the ECP 's page of frequently asked questions payment questions. I understand that this matter is right in their terms and conditions, however, if this matter is truly illegal, there should n't be any " wiggle room '' in the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act ( XXXX ) account number XXXX has violated my rights. 
15USC 1681 section 602 states I have the right to privacy.

15USC 1681 section 604 a Section 2 : it also states the consumer reporting agency can not furnish AN account without my written instructions.

15USC 1666 B : a creditor may not treat a payment on a credit account under an open-end consumer credit plan As late for any purpose.
Product: Checking or savings account

I received an offer in the mail from Truist to receive a {XXXX} reward if I opened a checking account and had at least {XXXX} in direct deposits per statement period made. I opened the account on XX/XX/XXXX. There was a hiccup on the webpage that prevented me from adding initial funds, but I was able to get direct deposit set up and my employer made the first deposit on XX/XX/XXXX. They have continued to deposit over $ XXXX since. On XX/XX/XXXX I received an email saying in their final review, I did not meet all of the qualifications for the reward, therefore the reward would not be processed. The offers page indicated that my account was closed before the reward could be provided, even though my account is still open now. I spent over an hour on the phone with Truist to report the discrepancy on XXXX, and the support person said clearly the account wasn't closed, that they would escalate the problem and I would hear back within 5 days. Hearing nothing, I called back on XX/XX/XXXX and spent another 40 minutes on the phone with the support person, who again escalated the problem and said I would hear back within 5 days. As of XXXX, I have still heard nothing, the offers page still says I didn't get the reward because the account was closed, however the account is open and receiving direct deposits twice per month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 3 disputes with Equifax to have XXXX update the credit information on my file. I even provided proof of the account pay-off. Each time Equifax has come back and said that XXXX has verified the account is still open and that I still have an outstanding balance. I don't know what more to do to get the information correctly listed as paid in full on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2015 XXXX appeared on my credit report. I am disputing this item. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Product: Credit card or prepaid card

Continue to bill me XXXX gor shipping back a return. I paid to ship it because it could not go XXXX. They refuse to acknowledge 5 attempts to clears this up
Product: Mortgage

I have a mortgage with Santander Bank. On XX/XX/2021, I submitted the property tax bills that I received in the mail on the same day to the company so they could pay the right amount to the county from my escrow account. After I submitted the bills through email, I called to confirm with the customer service representatives and they confirmed receipt of the bills, and instructed me not to make the payment by myself because the company would take care of it. The amount was due on XX/XX/2021 with a 10-day grace period. Getting closer to the deadline and seeing no payment was made, I contacted Santander again and was told the same thing : not to make the payment myself, they would take care of it and if there is any late penalty they would be responsible for it.

Santander ended up paying the property tax late and a penalty of {$560.00} was charged. However, instead of being responsible for that amount as promised, Santander charged it to my escrow account and made me pay it. I have contacted Santander multiple times, filed dispute with multiple departments but they still refused to pay it and said I did not submit the bills early enough and it was my responsibility to pay the penalty fee. They completely ignored their promise to me and blame me for not paying it myself, even though their customer representatives told me multiple times that I should not make the payment.
Product: Vehicle loan or lease

I have an automobile loan with Westlake Financial. I have been making the regular payments, some on time and some late, it was never an issue. At approximately   XXXX   on   XXXX   XXXX  , 2017 they had   XXXX   XXXX   Repossess the vehicle. Upon leaving our property the driver of the tow truck drove approximately 40 miles in the opposite direction of the final holding location in  XXXX , NH. I know this because we have a vehicle tracking device installed. You do not need to drive west, north, east then south to get to a location that is east of where I live, unless you are trying to charge more for mileage At   XXXX   I called Westlake and was told I would have to pay the past due payments and all late fees on my account, plus the repo & storage fees in order to get the vehicle back. This amounted to {$1500.00}. They also told me I had 3 days to pay it or the vehicle would be sold.
I asked them to waive the late fees or put it on the end of the loan and was told that they could not do that, but that they could put the {$350.00} repo fees on the end, which would bring the amount to {$1200.00} which I paid on   XXXX   XXXX  , 2017. I was also told the storage fees would be {$30.00} total, but now I am being charged {$60.00} because Westlake took there time They also insisted that I give them all the same information references, proof of income and residency again. This is information that they were given less than 2 years ago at the onset of the loan.
They did not release the vehicle back to me until   XXXX   XXXX  , 2017 because they had n't scanned my information into the computer the day prior. Lame excuse.
When they applied the money to my account they put it on only payments and not late fees, storage or repo fees. They applied it towards past payments and the   XXXX   payment which was due on   XXXX   XXXX  . It covered all but {$22.00} of the   XXXX   payment, on   XXXX   XXXX   they started calling me in regards to the {$22.00} being past due. Seriously.
Then today  XXXX / XXXX /17 I received a letter in the mail from them " Notice of Intent to Sell '' which was dated on  XXXX / XXXX /17, 3 days after the vehicle was released back to me. I immediately called Westlake and was told well the letter was actually printed on  XXXX / XXXX /17 regardless what day the claim to have printed it does not matter whereas it was released on  XXXX / XXXX /17 so why print and mail the letter at all. I was told to disregard the letter by the person that answered the phone, but I am concerned They also robo call you when your payments are late. They also call at all hours of the day and night, multiple times per day on both my cell phone and home phone.