23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX ( CRA ) have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account XXXX XXXX XXXX. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the XXXX parties. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 XXXX  : {$420.00}
Product: Mortgage

My house is paid off. I took out a mortgage to remodel XXXX, apparently in the fall of XXXX or XXXX they said they notified me I was lacking insurance for the year of XXXX. This house has never been without homeowners insurance I contacted my insurance agency. They have been dealing with them for over XXXX months now, XXXX is charging me escrow from XXXX because they said they had to force pay insurance because my house was not insured, according to my insurance insurance company it was and she has bent over backwards, sending them paperwork that they are requesting. They are still charging me escrow and have not cleared up or refunded anything. Now Im getting a letter in the mail because theres an escrow shortage. There should never be an escrow ever. Ive been on the phone with them discussing it several times my insurance has been working with them for months now nothing is resolved. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Student loan

I spoke with Sallie Mae at the end of XX/XX/XXXX to discuss options for my private loan payments that I was continuously receiving emails for. I spoke with a customer service agent about these emails and explained to him that I was not sure why I was getting these emails as I was told in the past that my loans were not to be initially paid until XX/XX/XXXX. During this conversation, I was told by this agent that my loans were in fact NOT starting payments until XX/XX/XXXX and to just ignore the emails that I was receiving. I asked him to verify this information for me over 3 times before the call ended so that I could understand it correctly. I continued to ignore the emails as I was told and they continued to show me that I owed {$0.00}. At the end of XX/XX/XXXX, I then received an email stating that my loan payment was late and that I owed over {$1500.00}. I explained this situation to a new agent and was told that there is nothing they can do and that the other agent gave me false information. If I was told the correct information in XX/XX/XXXX when I called about the emails initially, I would've been able to refinance immediately. I am now stated to owe over {$1700.00} to them by the end of this month and was informed that I was already forwarded to collections after only XXXX missed payments. I have since refinanced, but I am waiting for that loan to close. I also contacted them informing them about this refinance and my ideation of returning to school. I asked them to make note of this so that my next payment was not considered late as I was either going to be returning to school, which would indicate another deferment, or refinancing my loans. During this call, I was hung up on approximately 3 times after being on hold for XXXX hours and half way through telling them my information. This agent was extremely rude and refused to help me. I was then charged another late fee after calling for XXXX week straight, XXXX, without any answer from any agent. I stayed on hold for approximately XXXX hours each day and received no response. I then went to XXXX to direct message them as their chat within the app did not connect me with an agent. I was told to contact them by phone once again, with no response.
Product: Credit card or prepaid card

I clicked on links to take advantage of a XXXX  AMEX platinum card marketing offer that ended XX/XX/2018 ( I did this on XX/XX/2018 ). The offer was for XXXX miles and XXXX MQMs, dependent on purchases within the first 3 months. The link redirected me to AMEX ' site, where I applied for platinum status card and was approved. I met the requirements of the offer, yet to date I have only received a portion of the offer and am still due 25,000 airline miles.

I have called American Express multiple times, and each time they offer only portions of the complete marketing campaign. Calls on XX/XX/18, XX/XX/18 ( they credited me XXXXk miles on this call ), XX/XX/18 ( they credited me 20k miles on this call ) and XX/XX/18 have been met with partial credit for what I am due. American Express claims that I upgraded my card vs applying for a new card, and therefore was not eligible for the credit, yet the website application was extremely misleading and nowhere was this presented to me during the process. 

On my last call to American Express on XX/XX/18, I indicated that I would be submitting a formal complaint if this matter was not resolved within a reasonable timeframe of 30 days. At this point, the terms of the offer have not been met, and by my records I am still owed XXXX airline miles. If American Express honors this and credits the additional XXXX miles, I will consider this matter resolved, but unfortunately I have been unable to get them to proactively act on this and need assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

has prepared the following complete text of the Fair Debt Collection. Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p. 
In XX/XX/2017, the Consumer Finance Protection Bureau filed a lawsuit against XXXX. The CFPB accused XXXX of failing to act in its customers best interests. Among other things, the CFPB charged that XXXX :
Product: Credit reporting or other personal consumer reports

XX/XX/23 : This credit reporting company is not properly investigating information they are reporting. This is a violation of the FCRA because information can not be reported without evidence once it is questioned. I have challenged this information and have not been provided with evidence.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by transunion. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666b ), as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I will escalate this matter to the CFPB, citing articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ), which provide liability for willful and negligent noncompliance, respectively. These statutes allow for damages, including actual damages, attorneys fees, and possible civil penalties for failure to comply with the Act 's requirements. 

The account is XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be apprised that XXXX XXXX are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated my rights by : 1. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 2. Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) On XX/XX/2021, I sent by certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX, a request for your office to provide me with proof and evidence of the debt you alleged I owed. Not only have you ignored my prior requests for validation of debt but you continue to report an unverified and disputable debt to the credit bureau causing damage to my character. You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Everyone is entitled to a validation. In my certified letter that I sent on XX/XX/XXXX I kindly asked for : 1. What the money you say I owe is for 2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account ; 7. Show me that you are licensed to collect in my state ; and 8. Provide me with your license numbers and Registered Agent. You may wish to familiarize yourself with what is required when validating a debt. Your business had more than enough time to perform a proper investigation, the 30day mark has come and gone therefore this unverifiable account should be removed from my credit report. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. I will also be checking my credit report to see if you corrected the errors by simply removing this unverifiable account from my credit profile permanently from all XXXX bureaus. I must remind you again to not contact me in any way via phone or mail in reference to collecting If I receive anything other than absolute removal of the account from my report, I will assume you are harassing me, and I will take action against you for these continued violations and abuse. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore within the 30day period, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

In this complaint accompanies proof of my validation and certified receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I've reached out to credit bureau, by letter and over the phone. A they have failed to honor my request, as they have not updated my address and name information.
Product: Vehicle loan or lease

In XX/XX/XXXX i obtained a loan with Santander Consumer USA. XX/XX/XXXX XXXX XXXX. Purchased for XXXX. Two years later the interest rate is 30 % and i still owe not only the XXXX still but over 24,000k in interest. In two years they say that Ive only paid XXXX toward my note. The interest rate is a rip off. The value of the car in excellent condition is 8-11k. Ive tried to speak with them and continuously get nowhere.
Product: Checking or savings account

Chime allowed someone from XXXX XXXX to steal money out of my account. They charge my account XXXX XXXX times at the same time. I got a text messages asking was it me and I said no. I got a response email stating that the money wouldnt be deducted from my account after it drop from pending. After XXXX days of pending it still came out of my account. I could filed a dispute with and agent and after XXXX days my dispute was denied. I called spoke with a another agent and ask to speak with a manager. After speaking with the manager she stated that it looked like fraud or an computer glitch and that she would personally submit a dispute and have it escalated after i submit proof that i was in XXXX  and not XXXX XXXX and never heard of the place where my card was used and after waiting a few days my dispute was denied again. I called again for XXXX  time and spoke with another supervisor and again after filing a dispute it was denied. Chime bank is a scam and they need to be held accountable. This is ridiculous. I submitted proof closed my old card requested a new one and they still won't give me money back. I never dealt with anything like this with any other bank ever. They don't want to help and I feel like they are not investigating and thing they wait a day or XXXX and deny it your claim. After reading some of these testimony on the bbb I now see that I'm not alone and other have experience the same thing. I wouldn't be surprised to see a class action loss suit being filed against them just like the one against XXXX XXXX and XXXX XXXX. I will be filing a claim against chime bank with the ( CFPB ) the consumer financial protection bureau. Asap! Times are hard and you can't play with people hard earn money like that. I have been fighting to get my money back since XX/XX/XXXX this is crazy. They really need to be investigeted this in unethical. And bad business practices. How can anyone ever trust them to hold their money.
Product: Checking or savings account

In the XXXX I was trying to transfer money to my sister ( same parent, sharing the same last name ) to XXXX, as I havent been able to travel back for over XXXX  years. 
They confirmed all the details, verified everything to make sure it is not fraud. And they said they will release the wire transfer. But the next day, I couldnt accept to my account ; thats when I found out my account was closed. 
Whatever, I just want my remaining balance in my account, as I need those money for my family, myself, everything. I was told it will take up to XXXX to release and issue me the check of the remaining funds in my account. I called many times, every time was told the same answer. Finally it exceeded the XXXX, I called the customer service and they sent me to the local branch to get my money back.when I got to the branch, I was only able to get some money back, the remaining {$18000.00} will be mailed to me as a check. 

I went home and filed complaint, I was told from Citibank the money was determined not belong of myself? Which was so funny, I have been a client with Citibank since XXXX All my saving and paycheck was coming from there. I dont understand what the money comes from? 

I called many times again, and customer service told me to the local branch to get the money back, I went there today and waited for over XXXX. During the waiting time, the banker called the customer service first and told it is okay to issue me the remaining {$18000.00}, the money was transferred to under a GL, as long as the bank is unblocked and they will be able to transfer the money out and issue me the funds.then later the XXXX there asked to call again of the customer service, this time its a different story. I couldnt because the money through a third party, something called ACH. The banker told me the customer service told her to tell me to wait XXXX weeks just to send me away, they dont explain the reason why. 

I have recorded everything, I have all the bank statements of the transcations. And There is no reason I was been told different stories every time I reach out. You guys are fooling me and taking my money for yourself. This is thief, stealing customers money and keep for yourself. 

This is as the formal and final notice to CitiBank, if I dont get my fund back. I am using the legal advice to protect me. I am searching for lawyers and do whatever to get my {$18000.00} back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had a XXXX XXXX credit card. Unfortunately due to circumstances out of my control I was unable to continue paying on the credit card. The account was charged off XX/XX/XXXX. Recently on XX/XX/XXXX XXXX XXXX reported the account as charged off but open with a balance over the limit ( {$4600.00} ) causing my credit score to drop XXXX points. I have disputed this more than once with Experian. Although they say there was an update to my credit report no updates were made and the information still remains.
Product: Mortgage

Nationstar Mortgage LLC Is my LENDER and SERVICER, I have an existing complaint filed with your office relating to XXXX QWR letters I sent in XXXX 2016 and XXXX 2016 that was answered incomplete and when I filed a complainton your site you granted thier requested for another 60 days which would be 4 months worth of time all together to answer the start of the QWR letter dated, this XXXX XXXX th, which is well over the required 30 days to answer, I do n't think they should of been granted a total of 4 months, I sent the XXXX QWR letters by certified mail return receipt requested and received the returns by the post-office signed. 
NOW I AM FILING ANOTHER NEW COMPLAINT! 
I requested that Nationstar allow me to submit for a loan modification, XX/XX/2016 they sent the loan application by way of e-mail to go to the line site and download the documents with instructions, I did and completed the forms, signed the data and sent all the required documents by our state library fax machine, i received an e-mail from Nationstar the documents were received and completed on XXXX XXXX, and would review for approval. 
I called few times for the status, a rep would say something is missing and it was n't, and later I would call and another would say all is complete and nothing missing, this happened a few times, than out of the blue I went to check my mail and found a notice of sheriff sale date notice for XXXX XXXX, 2016, I m XXXX years, and my husband is bedridden, this notice shocked us and panicked.us, I called our state attorney 's office and faxed the proof that we made application and proof the documents were complete, and the sale is stayed-attorney as shown on the sheriff 's site. THIS IS DUAL TRACKING AND WE WANT YOUR OFFICE TO INVESTIGATE THIS MATTER., PLEASE! 
I am attaching the verification with this complaint,
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've disputed multiple inquiries with Experian regarding   XXXX   XXXX   from from    XXXX   XXXX   XXXX    and   XXXX   XXXX   from   XXXX   XXXX   XXXX   as well.     Additionally I did not give   XXXX   XXXX   XXXX   authorization on   XXXX   XXXX   XXXX  . I was already a resident of the building that the credit inquiry came from.     There are also multiple abusive hard pulls from On-site  Manager  listed on my account from  XXXX   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX  .     Each time I 've disputed with Experian the response came back the same saying that they were in fact authorized inquiries. Their findings do not show actual requested inquires from myself but from third parties that I am not associated with.     The system they are using is providing false information and they are not actually doing their due diligence and protecting consumers rather they are hurting customers.
Product: Credit card or prepaid card

My mother is sick and now in a XXXX XXXX. I have been attempting to add power of attorney to my mother 's account for over eight weeks now with Citi Shop Your Way card. I faxed the paperwork in once. I called three times before they told me they were missing a sheet. I faxed it in again, one sheet at a time. Since doing that I have spoken with them no less than five times. Today one of the individuals on the XXXX number for the credit card tells me that magically two sheets are now missing. This has been escalated to their " executive response team '' and that was over three weeks ago. As this draws on my mother 's credit is being ruined and the late fees continue to pile up. 

This is beyond ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with SPECIALIZED LOAN SERVICE. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update or repaired the account ASAP!!!. 
SPECIALIZED LOAN SER XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Mortgage

I tried to access my account on line and the password didn't work. I tried to reset my password on line but I didn't have the account number so I called BOK. 

The agent said he needed to verify me to access my account. I gave him my full name, full social security number and the property address. He said that I was missing the suffix on the address. I told him that I didn't know of any suffix on the property address and he said he couldn't help me with out verifying me first. I asked to speak to a supervisor and he said that I couldn't talk to a supervisor without out being verified. He wouldn't assist further so I ended the call. 

I looked on both XXXXXXXX XXXX  and XXXXXXXX XXXX  to see what the suffix might be. Both map programs didn't show any suffix. 


I called back to BOK and talked to a different agent with the same result.