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

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these unauthorized inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any inquiries. Once again HERE ARE THE LIST OF inquiries THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Carrington Mortgage Services is trying to raise my mortgage payment $ XXXX/mo stating that there is an escrow deficiency. There are many similar stories online after CMS takes over a loan that they have purchased. This creates a hardship and seems predatory. My loan is current and for the last XXXX years ( with XXXX XXXX XXXX ) has always been $ XXXX/mo, now they want {$1700.00}. I am nervous to pay them based on others stories that they will squeeze this out of me with no justification
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Dispute XXXX XXXXXXXXXXXX XXXX XXXXXXXX thru Equifax and Equifax came back and said that the account and balance is valid. Not sure how they confirmed with and I have asked Equifax numerous times to forward me the information that XXXX XXXX XXXXXXXX provided to them to validate the debt and all I received is a credit report. When I filed CFPB complain for XXXXXXXX XXXX XXXXXXXX you can see the attached that they reported different. They mentioned that my account should be XXXX. I have never used this company before. No idea who they are and I have asked them more than one to validate the debt and they refuse. Please delete this from my credit report ASAP because it's causing harm on my credit report but providing false information.
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.

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. 168192 ( A ) ( l ) 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 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 
And They also didn't even record the current status of the disputed information which is another violation. 
And They also didn't even record the current status of the disputed information which is another violation.
Product: Checking or savings account

Six months ago SunTrust Bank ( Truist ) unilaterally inactivated and closed my account seizing all funds. ( {$14000.00} ) During this period of time, I flew two times to the United States and visited several Bank Branches to get more information regarding my account status. No one was able to professionaly address the problem and explain to me how to solve it. 

In XX/XX/XXXX, I had to file a complaint through CFPB ( Case # XXXX ) in order to get a formal response from the Bank. I've got a final response letter explaining what happened and how to follow up, I will like to comment a few things regarding that letter : XXXX. I still dont know which Rule and Regulation for Deposit Account guideline or paragraph I allegedly violated?

2. Trusit inactivated my online account 6 months ago, how am I supposed to check those 19 transactions they said are out of the normal? If I have no access to my old bank statements.

3. I need the Bank to send me a detailed statement from XX/XX/XXXX through XX/XX/XXXX. Every day it goes by, it is more difficult to track all transactions. 
4. Back in XX/XX/XXXX when I opened the account, living and having proof of address in the United States wasn't a mandatory requierement. Why do they require that information now to be able to solve the problem? I have two addressess at the US, but I dont currently live in.

5. For this kind of process they should assign an agent to have fluid and constant communication with me. Their customer agent telephones ( XXXX ) are a nightmare, you can take hours for someone to answer your and when they do ; they do not know what to tell you...
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My name is XXXX XXXX, XXXX of The XXXX XXXX XXXX XXXX in XXXX, FL I am a JP Morgan Chase business customer for over three years. They began sending me emails marketing a new product called " XXXX '' & " XXXX XXXX  '' to take credit card payments. I read the disclosures and signed up for the service. I then took payments from some customers using the app. My money was held for over a week while they supposedly reviewed the transactions. I was assured verbally by one of Chase 's reps that once this was over that future transactions would fund the same night. 
Yesterday I accepted payment from two customers totaling {$240.00}. Chase immediately put a " review '' on my transactions and is once again holding the money. This bank is restricting my ability to conduct commerce. This bank should be brought up on charges and fined for this flagrant behavior. This is a form of legalized theft. I mentioned to the rep that I was considering retaining an attorney for a possible Class Action LawSuit. Now when I call to get answers on where my money is they tell me that they can't speak with me because I mentioned LawSuit. This bank is in violation of Federal banking laws and needs to be fined and punished for this behavior. They are stealing!
Product: Student loan

Today, XXXX-18, I called to pay my Navient Loan and I was told that I couldn't use a credit card. So I went out and got a prepaid debit card, but the automatic system won't process it. The system is very annoying and difficult to use. It has few options and I'd constantly asking and promoting things I don't need. I've called 6 different numbers looking for a person, but they don't have anyone on weekends. Their online system only asks for a bank account, and doesn't let me pay with a debit card even though they said they accept debit XXXX cards. There is no answer at customer service to resolve theee issues. I can't pay them like this.
Product: Credit reporting or other personal consumer reports

My local XXXX bank is XXXX minutes away from my house so taking the check monthly takes time. So the local bank told me to use the mobile app to pay it online for convenience. So the following month on XX/XX/year> I did just that. On XX/XX/year> I woke up on a Saturday morning to a credit report notification saying my payment was 30 days late. I immediately called the bank and found out the payment was never drafted by their system. I offered to pay it over the phone and the rep took all my information along with ACH information and then processed the payment. I was then told the payment system was down and they payment did not go through. I was told I could call back on Tuesday as Monday was a banking holiday. The next week I went back to the local payment and made a double payment to cover the previous month and the current month. I've contacted XXXX several times about fixing the credit report and they refuse to accept any responsibilities for the mobile app working incorrectly. They also refuse to acknowledge there system was down when I called in. So I tried to move past the faults and ask for a good faith fix to my credit report and pointed out that I have never had a late payment in my XXXX years of using credit. They still refuse to work with me to resolve my credit report issues.
Product: Credit reporting or other personal consumer reports

The account listed on the identity theft report is the result of fraudulent actions and is in violation of our rights as a consumer. Per 15 USC 1681c-2 We have attached : ( 1 ) appropriate proof of identity of the consumer, ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer and, ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Per 15 USC 1681c-2, we are requesting the immediate and indefinite block and removal of the accounts that are listed in the identity theft report attached. Per 15 USC 1681c-2, Upon receipt of request to block the consumer reporting agencies have 4 business days to block and remove all of the accounts that are the result of identity theft.
Product: Credit reporting or other personal consumer reports

Credit NInja made an offer for a consumer loan I signed their agreement and was denied. The got data from XXXX bureaus that have NO XXXX to do. 
How were they to determine my credit? 
XXXX XXXX and all other agencies I HAVE OPTed -OUT, handwritten, faxed, mailed etc etc etc from sharing my information with others. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
SEE XXXX  ATTACHED, XXXX TREASURY also has as copy of this XXXX  for XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

In 2020, during XXXX I was low on funds due to being on furlough from my job and needed to pay my rent. So I took out a loan with CashNetUSA however, I didnt expect them to charge me 300 % in interest. Unfortunately I was not able to pay it on time so they sold it to a debt collector company who is suing me for the money plus the interest.
Product: Vehicle loan or lease

i had an auto loan with road Auto Finance ( XXXX XXXX XXXX # XXXX, XXXX, GA XXXX ( XXXX ) XXXX. I was in An accident ant the car was a total loss. i had Gap insurance. My auto insurance company paid for the value of the car and there was XXXX left which the gap is suppose to cover. i was hit with a late payment on my credit report 2 months after the accident. i called and was told that Gap claim was filed and they where waiting payment. I made the payment myself because i wa told i would get reimbursed. thw weeks paased, i called the Gap insurance company ( XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) XXXX i spoke to gap department XXXX XXXX and he informed me that my Gap was Canclled by road auto finance on XX/XX/XXXX and that no claim was ever submitted. and he also informed me that they couldnt do that so my question was why did you allow this to happen, i paid XXXX for the Gap insurance when i purshed the car. i would like to be reimbursed and posibly file a criminal comlaint as well
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon pulling a credit history from Transunion, I noticed repeated and unauthorized inquires against my credit file. I previously ( XX/XX/2014 or prior ) had applied for a payday loan and since have  ceased all activity with the company after settling and closing my account that same year. 

PROBLEM 1 : I contacted the company by various methods, email, phone, and customer service chat and notified them of these credit inquiries and asked them to stop / cease all activity and ( once again ) close my account. They stated there is no credit inquiry activity unless I am applying and they claim they're not pulling credit inquiries ( which is not true, obviously, see below ). I asked them when my last application was and they state it was over 5 years ago ( as expected ). 

They ( or their partners/associates ) are pulling reports 5+ times a year and they claim they are not. 

PROBLEM 2 : After being forced to assume there is an automated process involved that customer service supervisors are not aware of, I also asked them to cease all pre-approval efforts and I asked them to opt-out my name/email/phone numbers/addresses from all pre-approval efforts. For the record, I am opted out in my credit file for 5 years already, as well. Their response was that I am not in any opted in database but they marked me down anyway for removal after I pressed them and referred them to their own website and privacy and sharing to third party associates/partners policies which state I have the right to opt-out from. 

I spoke with 3 people, XXXX via chat, XXXX ( spelling ) via phone, and another person ( male, who transfered me to XXXX the supervisor via phone ). I also emailed customer XXXX regarding this matter and included the below information and request to cease all credit inquiry activities. I never agreed to repeated credit inquiries and I have not authorized any recent inquiries nor do I need their services. 

I can only assume either this is fraud, unlawful/unauthorized use of my personal credit file, and/or they are inept and do not know their own processes. Either way, I've asked them to cease all activity, but I do not believe they have done anything nor will they do anything to correct this issue based on the discussions I've had with them. They have been notified they do not have my permission to continue looking at my credit file and they have not had this permission since I closed my account 5+ years ago. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX Permissible Purpose : TO ACQUIRE/SERVICE/INSURE ACCOUNT Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX Permissible Purpose : XXXX XXXX  XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX
Product: Mortgage

I had lost my job last year and went into forbearance which to my understanding was to stop XX/XX/year>. I called the company to see how I can get back onto the payments and was told i am in forbearance until XXXX. Not sure why and how as trying to communicating with the account manager bore no results. He does not call back and when I get a call from them its either hang ups or threats. I had one conversation with him where I was told the outstanding balance could be added at the end of the loan. I have been filing tickets and emailing to no avail. Then I get a response from XXXX XXXX but when I talked to them they had no information on me. I have no idea what is going on, how to make payments again and resolve the outstanding balance ( needs to be added at end of loan ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought another  VW  in  XXXX  anticipating the  XXXX   (  diesel fraud ) buyback announced for  XXXX   2017 , but delayed till  XXXX  17. I called VW and informed them of my inability to continue  XXXX  car payments and no problems were mentioned then. I sold the car back to VW in  XXXX   XXXX ,  2017 .
Product: Mortgage

In XXXX of 2019 without my approval Amerihome mortgage started withdrawing electronic payments from my bank, XXXX XXXX. At the same time they continued to send me paper mortgage payment bills. I didn't notice the additional payments on my bank statements until they increased the amount due to an escrow shortage. I only glanced at my bank statement amounts and the payees, since I have only about five people I make payments to a month. Most of these additional payments were spaced out between my regular payments. I asked Amerihome for proof showing where I asked them to make these automatic withdrawals which they have never done. Amerihome has told me I made the request electronically and they sent me a copy of a confirmation, which I have never been able to find on my computer. When I called Amerihome to have them refund the excess payments I was told they applied them to my principal and they would make no refunds. I have reviewed all the payments I've made and the elctronic payments taken by Amerihome. There is one payment I have made that they have recorded but have neither applied to my principal, or future payments. I've made a spreadsheet recording each payment I've made, the electronic payments and where each is recorded. I sent this to Amerihome and have not heard any response to my comments. What happens when I send correspondence to them any response they make is not at all related to my queries. I don't know if they are trying to play a switch and confuse, or what their game plan is but I see their actions as fraudulent. They are telling me my next mortgage payment is due for the XXXX payment, by my calculations, noted on the spreadsheet, my next payment is due for the XXXX payment. I would like Amerihome to either take action to correct this by either applying the last payment to the XXXX payment or refund it to me. The sum is {$930.00}. I have paid my escrow shortage to help eliminate any confusion on their part, since they can't seem to follow simple instructions. If I had one person I could talk with at Amerihome who had some authority I truly suspect some of this possibly could have been eliminated, but they way they do business they shuttle you to different people every time you call or write a complaint. 
I will attach all my correspondence I've had with Amerihome, copies of all my statements and a PDF of the spreadsheet I've prepared and sent to them. 
Short of legal action against them this is my last recourse. 
Thanks, XXXX XXXX XXXX
Product: Credit card or prepaid card

I reviewed my credit report and it shows a inquiry with chase bank and I dont have or never applied for a chase card XX/XX/XXXX And I received a XXXX XXXX XXXX I never applied for on mail.
Product: Credit reporting or other personal consumer reports

I have disputed the 4 student loan trade lines on my credit report, or federal student loans with Experian more than 4 times and received an unsatisfactory outcome. I am a class member of XXXX XXXX XXXX. The settlement agreement requires the student loans to be removed from my credit report. Experian and XXXX continue to update the trade line loan balances every time I dispute and request a deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letters to XXXX, XXXX and Experian disputing an inaccurate late payment that was on my credit report. I asked that the erroneous item be verified and validated. I was informed by each Credit Reporting Agency that they had completed their investigations and none of them were able to verify the information, however the 30 Day late is still showing on all of my credit reports even though they were unable to verify its accuracy.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check of {$1900.00} at the XXXX XXXX XXXX branch Wells Fargo. 

On XX/XX/XXXX {$400.00} of {$1900.00} was available in my account On XX/XX/XXXX remaining {$1500.00} became available in my account. 

From my understanding once the check went into my account that meant its cleared and ok to use. I did not know the bank put the money in my account without making sure the check was not going through correctly. 

On XX/XX/XXXX deposited item returned {$1900.00} leaving a balance of $ XXXX I tried to contact the bank and tell them and get help but the guy on the phone just kept blaming me over and over again and did not help at all. I lost all my rent money.
Product: Mortgage

I had become sick with XXXX  and I am better I am trying to fix the heloc and its very hard to do with Td bank the process seems difficult
Product: Debt collection

On XXXX XXXX I filed an dispute with 4 collections on my credit in the amount of {$630.00}, {$550.00}, {$540.00}, {$630.00} for these collection to be validated. I asked for copy of contracts, payment history from the collector, name and address of original creditor, and proof that I owe or were assigned these debts. 

The action that was taken is they were updated to closed collection instead of removed from my report. 

According to 15 USC 1681 this law states all unverified information must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the months of XX/XX/2021 and XX/XX/2021, I never received a bill from XXXX about my loan payment and therefore I was unable to pay the lease payment. As soon as I called them, I found out that I have an amount due and I paid it off right away. However, my credit score is still low and I am trying to get an apartment and I cant. I never had a late payment in the past and it is not my fault that this happened. XXXX forgot to update this information. Please remove this from my credit history. XXXX needs to update the payment in all major credit bureaus.Thank you.
Product: Student loan

As a parent, I owe approximately {$52.00}, XXXX on a parent loan I took out for my daughter .Each month - well before the due date - I have consistently paid {$100.00} over the XXXX balance and interest due and each month I have instructed Sallie Mae and now Navient as the successor-in-interest- in writing to apply the additional {$100.00} to pay down the principal. Navient has consistently ignored my written instructions and applied the additional {$100.00} either to to the next month 's payment, or to interest rather than principa, l thus illegally exacting additional interest on the existing principal due. In addition, Navient has regularly sent me notices purporting to inform me that my payments are late, notwithstanding my bank statements that show the date of receipt and deposit well before the due date and despite my having sent the check with instructions through the U.S. Mail. ( I believe that Navient is trying to force me and other consumers to remit payment on line rather than by mail to reduce its overhead ) Representatives of Navient have been utterly non-responsive to my complaints and denied the applicability of the mail box rule. The evidence suggests that Navient 's conduct -multiplied my millions of similarly-situated individuals such as me - is engaged in consumer fraud on a massive scale.
Product: Credit reporting, credit repair services, or other personal consumer reports

My prior complaint was put in on XX/XX/XXXX, the company responded on XX/XX/XXXX. As of today I still have not got this issue resolved. They are in violation of 15 U.S.C 1681, no permissible purpose. In my earlier complaint I sent a letter from the Bankruptcy court who does place bankruptcies on credit reports. Its been 40 days as of today and no response. According to the FCRA & FDCPA they have 30 days to respond.