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

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

University Accounting Service LLC incorrectly reported my paid-in-full student loan account as delinquent to credit reporting agencies, tanking my credit score by over XXXX points. They said this was a technical glitch, which makes me think this is happening to multiple people whose loans they service. They need to fix this technical glitch so they don't ruin people 's financial lives.
Product: Payday loan, title loan, or personal loan

My problem is they turned all my info over to a very shady 3rd party collection company. Name, birthday, address, and full social security number. These people are very bad. XXXX XXXX XXXX XXXX. Now I have to get a way to protect my identity. This is not right.
Product: Debt collection

I keep getting calls from this company I have no idea what they want they call from different numbers and different locations I am currently unemployed. I lost my wife to XXXX I am struggling financially what ever they want I am not paying them please leave me alone and stop calling me
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not corrected an issue allowing me to log into my XXXX XXXX account that was created as a result of the data breach. I signed up for an account but every time I try to log in I get an error issue. Equifax said they would fix the technical issue but it has been over 3 weeks with no resolution. Also I disputed items on my credit report and received a confirmation # to check the results of my dispute. When I go to log in I receive an error message. Equifax is preventing me from seeing my dispute results and seeing my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pleae remove these inqiuries XXXX XXXX, XXXX, XXXX, XXXX, XXXX and my XXXX XXXX wwas paid in full, XXXX XXXX XXXX, XXXX XXXX  paid in full with no balance. please remove XXXX XXXX XXXX XXXX. its over 7 years old please.
Product: Debt collection

Transworld Systems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX Office Hours : Monday through Thursday XXXX to XXXX XXXX, Friday XXXX to XXXX EDT, Saturday XXXX to XXXX EDT Our Account # : XXXX Creditor : VIEW AT XXXX Creditor 's Account # : XXXX XXXX telephoned, I explained I have a cancelled check for the move out fees they are attempting to collect. I was told no you dont. I asked for proof of debt, they said they were looking at the proof, I needed to pay it now or it would be placed on my credit bureau. I immediately disputed the debt and asked them to cease communication until I receive proof of debt, by mail. I insisted on only written correspondence. The TSI rep. hung up. I have since received numerous calls and hang ups from their virtual agent when I refused to hold for the next agent. I am now getting email correspondence that I have never consented too. I have contacted the landlord and confirmed I have no balance. I also have the specific canceled check. I am not willing to be bullied by this group of illiterate animals. In reviewing my options against this organization, I have discovered that they have violated my mini XXXX rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I originally opened up a dispute file with Equifax. They did respond within a timely manner. However, I did not completely agree with their investigation. An investigation was open due to the fact of an old account on my credit report that I wanted removed. I had no use of that account, never authorized or used it. I agreed with the removal of the account, but didn't think it was ethical for them to take away 105-108 points off my credit score! As I explained to them, I'm only trying to rebuild my credit. I do not abuse it in any way. 

After that response, partially agreed to their investigation of the removal of that account. I reached back out to Equifax, through email once more on XX/XX/XXXX. Letting them know that the amount of points deducted was extreme! Another so-called investigation was was done. Their actual response was repulsive! I asked if they could recalculate/reconsider my score. Well, they did nothing, Only to say that the Following Consumer Statement has been Added/Updated to my credit file. Needless to say, NOTHING changed! My starting score, after applying for a credit card and being approved was XXXX, then as of XX/XX/XXXX dropped to XXXX! 

I'm asking for a recalculation/reconsideration to my credit score. Feel as though I am being severely punished ( 108 points ( Equifax ) deduction to be exact, 105 points deducted on XXXX XXXX ) all because I'm trying to clean up my credit report, meanwhile rebuild as well. Please help!
Product: Debt collection

I am a victim of the XXXX breach. This is a request to block information resulting from identity theft. I have already notified your agency of this and still have information caused by identity theft on my credit report which is a clear violation of 15 U.S. Code 1681c2. This information is not information relating to any transaction by me. This request was not made by error. I did not obtain possession of goods, services, or money as a result of these transactions. Pursuant to 15 U.S. Code 1681c2 you must block these accounts, collections and hard inquiries from my credit report no later than four business days of receiving this complaint. I have attached a copy of my ID, social security card, proof of address, Identity Theft reports from the FTC, and court documents.
Product: Checking or savings account

Bluebird American Express refuses to refund my stolen money {$500.00} in unauthorised transactions to XXXX companies
Product: Checking or savings account

I am disputing a my checking account that Navy FCU charged off as negative. On XXXX Navy FCU credited to me {$100.00} because of a debit card dispute. I had used a vending machine in the XXXXXXXX XXXX XXXXXXXX. The vending machine continued to overcharge me. I had proof that I paid {$1.00}. The vending machine charged my debit card at various times {$5.00}. That was too much. From XX/XX/XXXX to XX/XX/XXXX, Navy FCU had credited and debited the amounts. I escalated the issue internally. I was informed that the {$100.00} would be permanent. Instead, Navy FCU charged off the account. Navy FCU owed me {$100.00}. The account remained negative because I didn't owe the negative balance. I provided various documents as evidence. 

My request is this : Navy FCU credit me {$100.00} and reopen my checking account ending in XXXX. 

I appreciate your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on ( XX/XX/XXXX ) to remove the inacurate items that is UNKNOWN to me to bureaus. I came across the law today and according to the Per FCRA you are required to update any accounts or information not later than 4 business days after the ( XX/XX/XXXX ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX XXXX, 2016 Plaintiff accepted {$47000.00} in XXXX funds to fully cure Homeowner 's reverse mortgage arrears for unpaid taxes and homeowner 's insurance. Prior to this payment, XXXX 's home was sold at a foreclosure sale on XXXX XXXX, 2016. The purchaser of the property was the mortgage lender, XXXX. After the sale lender and the State of Florida entered into an agreement whereby the lender agreed that in exchange for full payment of XXXX funds to cure homeowner 's arrears, including all fees and costs, lender would vacate the final judgment, reinstate the loan and rescind the foreclosure sale, restoring title to Defendant. Notwithstanding, lender now seeks possession of the subject property and is intent of dispossessing homeowner of her home
Product: Credit reporting, credit repair services, or other personal consumer reports

TransunionisreportinganinacurratelistingofChapterXXXXBankruptcyonmyconsumercreditreport.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, was never late ! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused XXXX XXXX to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS THE 3RD TIME I HAVE HAD TO FILE THIS COMPLAINT. I WAS IN OHIO I SEEN THAT SOMEONE HAS ACCESS MY PERSONAL CREDIT FILES AND I HAD LOST MY ID A WHILE AGO. I WANT TO PROTECT MY CREDIT FILE AS MUCH AS I CAN. SOMEONE IN XXXX OH HAS BEEN USING MY NAME A SS CARD NUMBER TO APPLY I REQUESTED SEVERAL LEGAL DOCUMENTS AND HAVE NOT RECEIVED ANYTHING FROM XXXX XXXX XXXX. I AM A VICTIM OF FRAUD. I PULLED MY CREDIT REPORT AND FOUND SEVERAL ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. THE AC-COUNTS LISTED BELOW DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX,
Product: Credit card or prepaid card

I opened a credit card with XXXX through comenity capital Bank. Before opening the credit card I spoke to an agent who told me that I would only owe interest after the promotional period. I asked if that is when it will start to add up and she said yes. I paid my balance until the pandemic hit and now that the pandemic hit, I have no money so I paid the minimum and planned to pay it off right away so I wont accrue too much interest. Instead of being charged interest after the promotional period, I was hit with a fee from the interest I would have paid during the promotional period. After my complaint, they began updating the website to appear as if they weren't hiding that from customers. I XXXX complaints related to my situation and they said they same. I am furious because I asked them to show me mercy and allow me to pay the remaining balance in a lump sum to avoid that hefty charge and they do not care. In a pandemic, credit card companies are preying on people and this is not right.
Product: Credit reporting or other personal consumer reports

I have reviewed my report recently. There were names and addresses on it that are incorrect- spelling errors or just plain wrong. PLEASE Fix EVERYTHING in my personal infomation that is NOT the following : This my legal name : XXXX XXXX XXXX please delete any other references to names as they are not mines and I have never used any of them. My address : Also, please be sure that my address is listed correctly. my address should read:XXXX XXXX XXXX XXXX XXXX  XXXX Please send me a new report when you are completed so i may continue to verify its accuracy. Thank you for your understanding
Product: Checking or savings account

They did an update recently in which the 2-step authentication doesn't work the first time. I have the press the button to have a code sent to my phone twice to actually receive one. Yesterday, I logged in and received a message, " You've maxed out your code requests for today. Try again in 24 hours or give us a call at XXXX ( XXXX ) XXXX. 

It is important to know I have never had this issue where I wasn't given access to my account. I know there's an issues with the 2-step authentication ( sending of the code ) where it doesn't send the 1st time.

I communicated with 2 representatives and finally a supervisor, XXXX # XXXX, '' who told me they didn't have a way to override it. I wouldn't be able to access my account for 24 hours. I asked what time that would be. He wasn't able to tell me. He said each time I try to login the system would reset the 24 hours. These are all things I was unaware of including the number of times ( or max times ) I have to login to my internet banking.

I know from reviews about the app others are having issues with the login process. However, Capital One isn't fixing the issue. I need access to my account to set up bill pay and transfer money but can't because I can't access my account given the issues with the 2-step authentication not working properly and the errors. 

Please make Capital One quickly fix there system glitches and put in an override for when these things happen.
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX XXXX and spoke to the Fraud Department about my consumer profile and put them on notice of the information that arose out of identity theft and let them know that the information needs to be deleted from my consumer profile and to send me an updated copy of my consumer report with the correct information...

I let them know I only have one name, one address, and one phone number ; and I also provided The correct information to them and they continue to report this inaccurate information on my consumer profile... 

I told XXXX that they're violating my consumer rights which is against the law and is up to {$1000.00} per violation plus actual damages they continued to violate me by sending frivolous correspondence in the mail which by the way is mail fraud because I believe ignorance of the law is no excuse when XXXX is not taking proper precaution to make sure that XXXX is reporting 100 % accurate information
Product: Credit card or prepaid card

Popular Bank of Puerto Rico charged me an annual fee. When I close the account and requested to waive that fee because I will not use the credit card anymore, they told me I have to paid that annual fee, no matter what. 
I wrote to the Bank CEO, Mr. XXXX XXXX, explaining to him the issue and asking him for help. No answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple requests, the unverified item with XXXX, inaccurate late payments status, still remains on my credit report in violation of Federal Law.  I have contacted XXXX via mail and have returned undelivered mail with inaccurate address on file, and via phone XXXX has told me I never had account with them. 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 which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, 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 ( 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 ( 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 ( Section 616 & 617 ) if you fail to comply with Federal Law, I'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Vehicle loan or lease

Santander has violated the consumer protection laws. I am proof of this. 
As you may already know Santander are the prime example of a predatory lender. I have had my car loan with Santander for about three and a half years. I have paid this company {$15000.00} plus I paid a {$2000.00} down payment at the dealership, the car was listed at {$19000.00}. Through my own personal knowledge, I have paid more than 80 % towards interest instead of the principal. I still owe more than {$16000.00} on this car. I have all statements from Santander of my on time and late payments. I understand that interest rates will alway accur but not at this rate. I have missed payments, and I have tried to catch up on my payments, but with this loan there is no way to catch up or even pay it off. In XX/XX/2020, I attempted to catch up on my loan by paying {$1300.00} ( {$650.00} going towards interest ) and another on XX/XX/2020 {$510.00}. At this time on my online account my payoff quote was {$12000.00}, I can not find this in any past statements because they are no longer available in my account. 
I was then laid off for again, came back to work with with less hours. I spoke to someone about this in XXXX. In that process Santander proceeded to contact people who were not on my account at all and they called daily, not just once but continuously. I have never added anyone to my account as person to contact. In XXXX I paid a total of {$1000.00} with only {$310.00} going towards the principal, {$680.00} towards Interest, and {$3.00} for an online payment fee. After contacting Santander because in XXXX our hours were cut again, I am expected to pay {$5600.00}. That will be the entire amount of the purchasing price. 
In recent weeks I have received information about Santander 's lawsuits in regards to their subprime lending practices violating consumer protection laws by exposing consumers to unnecessarily high levels of risk and knowling placed these consumers into auto loans that had a high probability of default. This is what has happened to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC1681 section 602 states I have the right for privacy.15 USC 1681section 604 ( A ) section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under and open and consumer plan as late for any purpose. 

Creditor XXXX XXXX XXXX Reported Late Payment payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX Creditor : CB Indigo Reported Late Payment late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX Creditor : XXXX XXXX XXXX  Reported Late Payment late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX XXXX
Product: Mortgage

I have been working with the Maryland XXXX program to hopefully provide me with some assistance. I am in the final stages and have been told by the Maryland XXXX program directly that they have made a request for information relating directly to my loan in order to continue the underwriting process. They made a request on XX/XX/XXXX at XXXX and I was told on XX/XX/XXXX at XXXX that the Maryland XXXX XXXX has been in direct contact with our lender Truist via XXXX ( XXXX XXXX XXXX ) and that they have been unresponsive. At this point it has been almost 30 days. I contacted my lender the day the request was made and was told that it takes the Research Dept two business days to respond back to XXXX. Then I was told that they are backed up and it could take a little longer due to the amount of applications. It has now been almost 30 days and my most recent response was that they dont even have the request anymore. Im being told by the MD XXXX program that if my lender takes too long to respond it could delay or result in my application not being able to complete the underwriting stages. As the consumer Im stuck in the middle and it is extremely unfair and disheartening in already extremely stressful times for myself and my family. PLEASE HELP, I AM DESPERATE AT THIS POINT. 

Sincerely Signed, A man simply trying everything to keep a roof over his familys head.