23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing in regards to my current mortgage company Selene Finance, a couple years ago due to knees replacements I sustained financial difficulties in which my house went into foreclosure resulting in court proceedings with said company causing court fines/fees from Selene Finance to be attached to my mortgage, Selene Finance also attached a private mortgage insurance which increased my monthly payments from {$3300.00} to {$3400.00} and currently {$3600.00}. On XX/XX/XXXX after speaking to a Selene Finance representative who stated I will have to submit an email to the company and that a response would take on or about thirty days in which I submitted as per my bank statements all payments made. I owed from XX/XX/XXXX to XX/XX/XXXX a payment of {$10000.00} was drafted from my XXXX account on XX/XX/XXXX, XX/XX/XXXX {$3500.00}, XX/XX/XXXX {$3500.00}, XX/XX/XXXX {$3500.00}, XX/XX/XXXX {$3500.00}. I owed XXXX to XXXX and on XX/XX/XXXX {$10000.00} was drafted from my account. On XX/XX/XXXX $ {$3500.00}, XX/XX/XXXX {$3500.00}, XX/XX/XXXX {$3500.00} and on XX/XX/XXXX {$580000.00} was drafted from my account. I was prompted by their automated system while paying my monthly mortgage payments that there were fees attached to my mortgage in which I emailed Selene Finance to dispute about non payment of the fees which clearly showing the difference of my monthly payment and that of payments where the fees where paid. I spoke to another representative who stated that as of XX/XX/XXXX my private mortgage Insurance will no longer exist however my XX/XX/XXXX mortgage payment explanation of amount due is as follows : ( Principal $ {$930.00}, Interest {$1400.00}, Escrow ( for taxes and or insurance ) XXXX Regular Monthly Payment {$3600.00} ) and ( Total Late Fees and Other Charges {$3500.00} ) total {$7200.00} which clearly their record and automated recording should have shown that the payments were already made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used the Experian credit service last year and wished to cancel in XXXX. I reached out via phone and could not reach a customer service rep so I reached out via email and have continued to be billed {$14.00} for the past 4 months. 

I am not receiving any of my credit data every month and my information is not linked to an account of any kind with them. They are extracting money without providing anything.
Product: Vehicle loan or lease

I had an extended warranty that I canceled when i traded in a vehicle that I had financed through Santander. Once the loan was paid off in full The warranty company canceled it properly sent the refund check in the amount of {$1400.00} to the dealership who then sent the check to Santander on XX/XX/21. I submitted a ticket with the executive office on XX/XX/21 and gave them all of my accounts info in addition to a copy of the check and ledger that the dealership wrote to Santander with amounts and dates and check numbers who at first told me they never received any check from the dealership, then a few days later they told me that that The dealership mailed it to the wrong address and that the accounting team cant find it. Only after that conversation was it brought to my attention by the dealership and their bank that Santander had in fact not only recognized but had actually cashed the check on XX/XX/21. Santander then requested that I send them a copy of the back of the cashed check in order to verify this info. Santander has my money and has had it for weeks and is willfully withholding it from me and is attempting to pretend like they cant find it. 

Attached will be a copy of the check info as well as a statement from the dealerships bank showing that the check had been cashed and money withdrawn from their account on XX/XX/21
Product: Credit card or prepaid card

I requested a dispute on some transactions, but Chase never made an investigation. These are the charges, they still need to give me a credit for : XX/XX/2022 for {$59.00}, XX/XX/2022 for {$36.00}, XX/XX/2022 for {$110.00} and XX/XX/2022 for {$35.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

All appropriate documentation was mail certified/ uploaded on website and I call the company several times. Not only is this a mental health but actually my time. The money send to get appropriate documents to the credit bureau and too the company and yet and still nothing has been changed. I would like to take the appropriate steps to getting the incorrect information removed and my money back where I send three certified mail to both Equifax and XXXX.
Product: Credit card

Refrigerator needed to be replaced in XX/XX/year>. Of course, this was a surprise for which I was not prepared. Went to the appliance store to see what the cost would be and the best way to pay for it. They did have an offer thought XXXX ( they call themselves TD Retail Card Service ), 12 months of no interest, that works, will be paying off in a couple of months, it was paid off in XXXX. 

But that is not what they were selling, was surprised to learn it was just a credit card. If I had known that I would have never opened an account. This is where the fun begins, made the first payment it was late. My banks Bill Pay did not have XXXX in their records, so they sent a paper check, which of course was late, and they charged me for that for one. So then comes month two and they wanted payment by the XXXX of the month. Did not know that either, so they charged me {$40.00} for a late/no payment. So I had to call XXXX to see want was going on, this is when it came to me that this is just a credit card and cancelled card immediately. When speaking to the customer service person I told him this is just a credit card and he told me that they were not a credit card. They act like a credit card, walks like a duck acts like a duck. Also, I went to a TD Bank, which is just down the street from me to see if they could help get this straighten out, they had no clue about this service and who they were, they also did a look up on their system with my information with no results.
Product: Credit reporting or other personal consumer reports

I have requested on several occasions for my address to be changed on all three credit bureaus. My address and name is reporting incorrectly.
Product: Credit card or prepaid card

This is a follow up to my previous complaint. The company Citibank changed us to Estatements. We don't do estatements and we would never knowingly sign up for them. When the company sends out the acknowledgment they send it out on email. Given that we didn't sign up for estatements and it would end up in our junk email which we never check, we would not have been aware of this. 

When we missed a payment the bank did not reach out to us by phone until it ws 30 days past due. That allows the damage to our credit history to occur. The bank had our phone number, had permission to leave a message and just never bothered to do their due diligence and, as a result, they damaged my reputation causing my credit rating to go from near XXXX  to XXXX. This resulted in other credit card companies reducing our credit. We are being punished for the incompetence of the company to reach out to their customers. 

We have had a stellar history with Citi and been customers since XXXX WHY they could not be bothered to reachout until after ( and to have the customer service rep tell us it would NOT be reported on our credit history knowing that it was 30 days past due ) is inexcusable. There need to be consequences for damaging the reputation of customers particularly long term customers who DO NOT use estatements have never have. 



This has recked a carefully cultivated credit history, damaged MY reputation and Citi is not held accountable for it. I will be cancelling my card once this is resolved, contacting a lawyer for a class action lawsuit against Citi and Costco ( who does business with this Citicard ) unless this is reversed immediately within our favor. It is irresponsible and an example of a company having too much power. I have attached previous attachment on the two previous complaints. I should also note that we received a statement a full two weeks AFTER they had already reported it to the credit agencies. I don't buy the " we can't control the mail '' XXXX because this clearly was mailed a week ago. This should have occurred BEFORE it was ever reported and they should have reached out by phone ( I will gladly provide my phone records proving they did not before it was over 30 days past due ) prior to that. 

I have called them, written to the office of the President, the CFO, their general counsel as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had opened an account with pnc bank in XX/XX/XXXX. My former employer wrote bad checks to me and never paid the fees with them resulting in me having to close my account because at the time I couldnt afford to pay the {$75.00} in bounced check fees. Fast forward to XX/XX/XXXX and I am still getting denied bank accounts due to this incident that happened 9 years ago. Pnc has reported this to ChexSystems and entered it in XX/XX/XXXX. 6 years after the fact. This is to my knowledge illegal. I would like assistance to help with my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft, car payment on car I don't have, hospital bills and I had health insurance for it
Product: Vehicle loan or lease

After reviewing my retail installment contract with a better understanding of it. I realized that Truist bank has not been transparent and has been dealing fraudulently when as it pertains to my payments. Located in Section 2 letter C Security Interest states You give us security interest the vehicle and all part or goods put on it. All money or goods received ( proceeds ) for the vehicle. All insurance, maintenance, service, or other contracts we finance for you. This includes any refunds or premiums or charges from the contract. This secures payment of all you owe on this contract. 
According to TILA, which this contract references the terms of the contract should be made clear. This did not happen as it was never conveyed to me that my car was paid for in full. Truist securitized my contract and has been receiving dividend payments on top interest and premiums from me, while sending me a statement every four months seeking payment, when actuality they security paid for the car on XX/XX/year> ; and they have been fraudulently collecting money from me for 5 years knowing they never recorded the book entry for this transaction. It was not until I started researching securitization that I realize Truist has sold my security in both the first and secondary markets. Therefore, I Stamp Endorsed the contract and signed it as a check, since it was the actual payment for my car. I sent it to the security via registered mail to XXXX XXXX in XXXX. XXXX XXXX oversees securitization for Truist, which means he has full knowledge of my securities and he tried to pass my inquiry off to client resolution XXXX, XXXX XXXX, who I know has no working knowledge of the securitization process. On XX/XX/year>, I sent documentation to Truist XXXX team regarding this matter ; and they dismissed it. Therefore, I am filing this claim, as I want all monies paid to Truist over the past 5 years returned to me as it is owed to me. Truist contract has a section How this Contract can be changed, which requires a written statement regarding the changes you want to make ; moreover, the contract says, no oral agreements or understandings are binding, which means I can dispute this contract as there is no statute of limitations delineated in this contract. Currently, Truist is violation of their own terms and conditions, and I would like for my request to be reviewed and processed ASAP.
Product: Credit reporting or other personal consumer reports

% th XXXX has reported to my credit a charge off for XXXX XXXX XXXX ago I had my credit card over XXXX XXXXs never a late payment however due to a XXXX there I needed to file a bankruptcy XXXX XXXX was not included yet they closed the card which is fine but I requestthe last 12 monthsstatments because they reported a charge off which was not the case and a balance of XXXX when I called XXXX XXXX on XX/XX/year> after speaking to nearly XXXX people I was told I had to go back to the credit breau which i did on at least XXXX occasions and was told to go back to XXXX XXXX they are the only ones that can fix it. XXXX replied they can not see the statements and could not fix the issue. As a resolt oa mwriting to request to the the charge off removed from my credit on the basis that this information is falsely reported.
Product: Checking or savings account

I WENT TO WELLSFARGO IN XXXX NJ TO MAKE A LARGE DEPOSIT IN DRIVETHRU ATM ON XX/XX/XXXX THE ATM JAMMED SOME OF THE CASH, IT DID NOT RETURN THE JAM CASH ONLY PARTS OF MY DEPOSIT WAS ACKNOWLEDGED, I RETURNED HOME AND IMMEDIATELY CALLED WELLSFARGO THEY GAVE ME A TEMP CREDIT FOR XXXX $ ON XX/XX/XXXX I THOUGHT I WAS GOOD WELL YESTERDAY THEY TOOK THE XXXX $ OUT MY CHECKING ACCOUNT SAID THE DRIVETHRU ATM IN XXXX WAS NEVER JAMMED I KNOW THEY HAVE CAMERAS AND THATS A XXXX XXXX  I HAVE BEEN BANKING WITH THEM FOR OVER 20 yrs I WAS TOLD ON PHONE TODAY MY CASE IS CLOSED LOOK AT THE CAMERAS IT WAS A JAM AND WHOMEVER DIDNT ACKNOWLEDGED THIS IS XXXX I WANT MY MONEY BACK I DID NOT XXXX HOW CAN WELLSFARGO EVEN HAVE THE NERVE TO TELL ME A JAM NEVER HAPPENED
Product: Credit reporting, credit repair services, 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. 

XXXX  XXXX : XXXX, : 01 XXXXXXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/XXXX, I took my XXXX XXXX car to XXXX XXXX XXXX for the repair on my air conditioning system. Once I got there I was assigned to XXXX XXXX and told him that my air conditioning was not functioning properly that it was blowing warm air. He told me that they would inspect the system for the trouble and sent me home with a valet. After two hours, Mr. XXXX sent another valet to pick me up and I met again with him. He explained to me the workmanship that they did on the air conditioning and showed me a bill of {$1700.00} for which I was astonished. Seeing this he discounted the bill to {$1500.00} which I signed believing that the work was done properly. 

After I drove the car for a little while, I noticed that it was still not functioning so on XX/XX/2019 I called XXXX with my concerns. I was told to come back on XX/XX/2019. They kept the car overnight to recheck the air and they discovered that there was a leak in the EVAPATOR that was not detected in their initial inspection. They told me if I wanted them to repair the EVAPATOR they would charge me another {$900.00} which I refused to pay. 

On XX/XX/2019 I sent a letter to my credit card company, XXXX Bank XXXX Cardmember Service disputing the charge of XXXX. After waiting two months for a response, XXXX Bank refused to honor my dispute and consequently as of this date I have no air. 
At the present time this matter is being litigated in the court including but not limited to the XXXX Court.
Product: Credit reporting 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 the blocking of the erroneous information that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX  business days after the date of receipt.
Product: Checking or savings account

My fiances account and my account have had money held by M & T bank for many months. I opened the accounts last year They required me to send in my personal information, social security card and a recent utility bill after locking my account and allowing no withdrawals. It's been a week and my accounts are still locked. I was told by the representative that it would take approximately 24-48 hours to unlock. Since it's been locked, and prior to me calling, they've continued to take out their fees for owning the account while not allowing me to close the account or use the money in said account. Approximately XXXX for 10 months or so. They refuse to send me my money to XXXX out the balance or close the account because the balance must be XXXX to close the account. I can not initiate transfers for the account because they have the account locked, my money is being held hostage by a fraudulent banking  corporation.
Product: Credit reporting or other personal consumer reports

I've recently check my report and I noticed some inaccurate accounts reporting. 
SEE ATTACHMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report recently and have a delinquent account listed for {$250.00} which is having a negative impact on my credit score. 
The creditor is listed as being : XXXX XXXXXXXX XXXX After doing some research of my own I think they are related to or a part of XXXX. 
My credit reports indicate that this delinquent account was opened on XX/XX/XXXX I did have cable and internet services with XXXX at one point but I paid off that account sometime around XX/XX/XXXX when I canceled services with XXXX and switched to my current provider XXXX XXXX 
I was never contacted about this supposed dept and am trying to get some form of debt verification from XXXX XXXX XXXX. I only became aware of the delinquency when I checked my credit score. If they can provide adequate verification showing that I owe the debt I will make arrangements with them to settle the debt. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Connecticut XXXX
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 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 or other personal consumer reports

XXXX, Equifax, and XXXX are all reporting NON-MAILABLE ADDRESSES on my credit report, Incorrect spellings of my name, and employers I have no affiliation to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items is being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00}.