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

I HAVE SUBMITTED THE PREVIOUS 2 COMPLAINTS BUT I KEEP GETTING THE SAME RESPONSE. 
PREVIOUS CLAIM IDXXXX YOU HAVE MENTIONED THAT ACCOUNT XXXX IS VALID BECAUSE I RECEIVED THE BENEFIT. CAN YOU SEND ME THE RECORDS OF WHAT BENEFITS YOU ARE TALKING ABOUT? I HAVE NO CLUE REGARDING ANY OF THIS AND I ALREADY SUBMITTED TO YOU THAT MY INFORMATION WAS STOLEN BUT YOU KEEP REJECTING MY REQUEST AND THE DOCUMENTS. AT THE SAME TIME YOU ARE RESISTING TO HELP ON MY CASE AS YOU HAVE NOT PROVIDED ME WITH ANY RECORDS. MY INFORMATION WAS STOLEN AND USED FOR THESE ACCOUNTS AND I HAVE NO CLUE BUT MY CREDIT REPORT IS GETTING HURT DUE TO YOUR INCOMPLETE IDENTITY POLICY. 
SECONDLY, THE ACCOUNT ENDING XXXX IS NOT MINE OR HAD BEEN USED BY ME. BUT YOU MENTIONED ITS VALID BECAUSE THE PAYMENT WAS RECEIVED FROM THE ACCOUNT ENDING XXXX. SO NONE OF THESE ACCOUNTS ARE MINE AS THESE ACCOUNTS WERE USED FROM MY STOLEN INFORMATION. YOUR POLICY AGREEMENT DOES INDICATE BY ANY MEANS IF THE INFORMATION AND ACCOUNT HAVE TO BE DELETED IF THE INFORMATION WAS STOELN. AND I AM THE VICTIM OF IDENTITY THEFT. SO I REQUEST AGAIN TO DELETE AND DISPUTE THESE ACCOUNTS FOR HURTING MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

WELLS FARGO BANK took my money in agreement to remove item from my credit report, but have fail to do so. And has continue to report faults/and inaccurate information. I consider this to be a defamation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I have submitted many complaints/disputes with Credit bureaus. 
had waited for 30 or more than 30 days No outcome received. 
all the time they just had sent me the Generic Response, that " We have investigated the issue & charge on your account is correct '' there is no supporting documents. 

My questions is different, their answer is different. 

Since, i am in litigation, & my request was to remove those account from my account till the Honorable Court Decide the issue. 

I already had made this request to the Credit bureau several times, but no response
Product: Credit reporting or other personal consumer reports

Exeprian XXXX and XXXX have the wrong address on file! update my address to the correct information because I can't get insurance.
Product: Credit card or prepaid card

I am writing to you about a classic case of " bait and switch ''. 

I am an American Express Centurion ( black card ) member and for this privilege I pay an annual fee of {$5000.00} - the fee is just for the card. I have been an American Express " member '' since 1983. As part of the promotion to induce me to buy this card, American Express guarantees a certain standard of service. American Express is currently not providing that level of service - but is also NOT providing a partial refund of that fee. American Express sent me 3 letters concerning disputes. None of the letters describe the disputes - they have only a dispute number on them ( see attached ), which requires me to call them to understand the letters. When I called today I was on hold for 25 minutes and finally spoke to a supervisor. The supervisor told me she could not tell to which disputes the letters referred and she could not help me. She told me to call back on Monday. Disputes are governed by strict timeframes. If those timeframes are affected by an inability to contact the card company, then the dispute process is compromised. One of the reasons I was allured to this card is that it allows me to interact with American Express at weekends - I work on Mondays. I understand if, in the current environment, American Express can not fulfill its service promises. But in that case it has an obligation to reduce the fee that is paid for that service
Product: Credit card

My card was unauthorized charges card was stolen was treated poorly failure to investigate issues for 4 months
Product: Mortgage

SunTrust Bank failed to reasonably and timely respond to four ( 4 ) emails requesting an increase to monthly principle payments ( XX/XX/2017 ; XX/XX/XXXX, XX/XX/XXXX ). SunTrust Bank failed to act upon request. All emails were sent through SunTrust 's secured client portal. Original message is as follows : " Please increase my additional bi-weekly payment from {$120.00} to {$250.00}. Apply all monies in excess of original monthly mortgage payment of {$3.00}, XXXX to principle. These actions, aggregated, should equate to fifteen ( 15 ) total payments per year with three ( 3 ) payments going straight to principle. If not, please let me know. Thanks! - XXXX XXXX-XXXX. '' Three more request with heightened warning and conspicuous subject lines of " Formal CFPB Compliant to be Filed! '' went unnoticed and received no response. SunTrust 's actions and inactions were negligent, and I was financially harmed.

- XXXX XXXX XXXX
Product: Checking or savings account

My account was restricted 2 years ago because Capital One suspected so called fraud on my account which was not the case. Finally, in XX/XX/XXXX, the account was closed out with a balance of {$1700.00} and a check was mailed to an old address. When I realized this in XX/XX/XXXX I immediately contacted Capital One. I was advised by a manager that a stop payment would be placed on the old check and I would receive a new check in the mail to the correct address within 7-10 business days. I never received the check. Since then I have spoken to 9 different managers and I am on the phone with another as I type this message because each time I call I am advised to wait for the check 7-10 days because the last manager sent the request to the wrong department. Capital One has done nothing but give me the around for 2 months now, as it is now XXXX and no check is in site. I am frustrated just as I was 2 years ago when my account was first restricted and caused me a financial down spiral. I know that what they have done and are still doing is not right.
Product: Mortgage

We started a home refinance through Chase in XXXX 2016. Our file and emails and messages were grossly neglected throughout our application, sometimes taking weeks for them to get back to our multiple messages. They kept wanting to change the terms towards the end. 5 months after starting our application, after multiple complaints that finally reached the most senior banker we could reach, we were given a guarantee in an email by that senior banker that they will honor the deal they had promised from the beginning. This email did not have any disclaimer or any conditions to the guarantee we were given, since I am a professional with a fairly straightforward case. In the end, we received our final closing disclaimer last week before closing of the loan which was much different than what we were promised. After sending en email to everyone we had been in contact complaining about this, we were again ignored, like multiple times throughout our application. Our closing was supposed to be today, and nobody has even gotten back to us regarding this. Everything has been approved by the underwriters without any further conditions. We have provided everything they have asked from us within 1 business day and we keep encountering gross negligence in return.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see iterns ; that aren't mine. I got in contact with the police and FTC. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit 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, also the inquiries are not mine XXXX/XXXX  XXXX , XXXX/XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Thank You. Also I have never lived at these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX and XXXX XXXX XXXX XXXX , XXXX XXXX. Must be a name mixup. I have stayed at XXXX XXXX XXXX XXXX, IN XXXX all my life. Please fix the issues.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have no knowledge of these hard inquiries that are currently descending my credit score and I am sure that these inquiries are from identity theft and requesting that they be removed ASAP, I will also be attaching the identify theft report, Licenses and social, and thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email alert from XXXX XXXX that XXXX had reported a hard inquiry had taken place into my credit on XX/XX/2019 by SYNCB/Paypal. I did NOT authorize, request, or give permission for any inquiry into my credit. This has been done without authorization and I am afraid is a sign of fraudulent activity. While no unrecognized accounts or charges have appeared on my account to date, I am afraid this inquiry is a step in the process to open a fraudulent account in my name. 

I requested a free credit report online from XXXX which does in fact show the hard inquiry did take place on XXXX XXXX, 2019. The XXXX  report shows that the company ( Syncb/Paypal ) submitting the request supplied an incorrect address for me but they allowed the credit inquiry anyway. I attempted to dispute this fact on my report directly with XXXX. I have tried multiple times to use their online disputing tool, but it does not seem to be working properly and would not let me create an account to dispute. 

After researching online, I have discovered that this problem ( hard credit inquiries by Syncb/Paypal ) is quite a common event and many people have previously filed complaints. These inquiries should be blocked.
Product: Money transfer, virtual currency, or money service

Dear Sir or Madam : I spoke with XXXX XXXX today and he denies that the {$26000.00} balance has been paid to his bank account. Please provide proof of your assertion that he was thusly paid by Pay Pal. 


Thank You, XXXX XXXX From : PayPal Customer Support Print Payment on hold or pending XX/XX/XXXX at XXXX XXXX Dear XXXX XXXX, Thanks for contacting PayPal my name is XXXX and I will be glad to assist you today. 

I am really sorry for the inconvenience the issue has caused. 

Upon checking your account I can see there is no such transaction received to this account. However as I can see on the email you shared - XXXX, the funds were withdrawan to his bank account and it was completed and not transferred to you. 

So kindly I request you to please contact them and check with them. 

Thank you for contacting PayPal and for being a valued customer. 

Sincerely, XXXX PayPal Account specialist Copyright XXXX PayPal. All rights reserves XXXX XXXX From : XXXX To : XXXX XXXX Sun, XX/XX/XXXX at XXXXXXXX XXXX Dear Sir or Madam : My name is XXXX XXXX ( XXXX ), and my PayPal account is now on hold. I have been assisting XXXX XXXX ( XXXX ) for many months, and during that time he has accrued a {$26000.00} balance of my money on hold in his PayPal account. We were told by PayPal customer service that we needed to make a three-way telephone call, from the same location, to remove the hold and return the funds to me. Unfortunately, he has been unable to visit me to make such a call. With the limitation of both his account and mine on XX/XX/XXXX, he phoned PayPal customer service to ask about the balance on hold. He was told that {$26000.00} had been transferred to my account. As of now the balance of my account remains {$0.00}. 

At your earliest convenience, please advise me when the funds will be returned to me. 


Thank You, XXXX XXXX
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX with SouthEast Toyota Finance. I had a XXXX XXXX and was out of work and openly communicated this with them once I was physically able ( Around XX/XX/XXXX ). I informed them I was out of work do to a XXXX XXXX and would be moving for a better XXXX XXXXXXXX as well as a better career. I informed them my first check would be XXXX, XXXX, XXXX and that I would start making payments to get caught up then. They said in exact words " Yes ma'am you are all sorted out! Thank you for being open with your communication and we hope you get to feeling better soon! '' They however failed to honor the verbal payment arrangement that had been made. They repossessed my car from my new residence within 2 days of me arriving to the location. When I informed them the entire reason they knew about the move was my calling and notifying them they then denied any evidence of this phone call on record. They have since taken my car and denied me my legal right to reinstate my loan even though this is my first and only ever repossession and I was open in communication. The company has been negligent in updated documentation such as address changes, phone calls and occupational changes. They were not even ensuring I was getting my statements and have been sending them to an old address after I called and updated my address back in XXXX. This being said they have been unprofessional, unfair and incredibly deceptive. Them taking my car has led to me having to pay for XXXX in order to not miss work as well as having to call them multiple times a day for weeks in order for them to try and treat me fairly to no avail. My car payment was not even {$4000.00} past due and they are requesting {$36000.00} within 48 hours for me to get my car back. At this point this is not just negligence ; but also threatening and discrimination.
Product: Mortgage

Our mortgage was bought by Carrington Mortgage Services from Bank XXXX.  They are telling us that there is a late fee from Bank XXXX.  They can not tell me when or why I received this fee.  I asked them to wave this fee because they can not tell me why or when I received it.  They refused.
Product: Credit reporting or other personal consumer reports

I received your comments today regarding XXXX which was sent in XXXX to Equifax. However, in your email you stated last XXXX numbers which are XXXX. This may in error because this complaint the numbers you gave me to respond to are above ending in XXXX. For the record this debacle has been going on for too long with a Equifax name of XXXX XXXX. Whether this is a real person I don't know. Anyway, I have copied the last response to the XXXX XXXX XXXX on this subject. Hopefully Equifax will quit their harassing me and send me my report. If you can move this organization to be responsible, do it as I can't move them. 
Sent to XXXX  XX/XX/XXXX and waiting for response from Equifax : I reject XXXX response. For some reason XXXX XXXX seems to be behind the XXXX ball. On XX/XX/XXXX I mailed a registered letter with all information ( and more ) that Equifax keeps requesting ( through personal letters ) with their requests. A registered letter ( XX/XX/XXXX ) was sent to the address in the XXXX personal Equifax letters which they state the address to send the personal information to is : Equifax Information Services LLC, XXXX XXXX XXXX, XXXX, GA XXXX. Also, a copy of the registered letter was sent to XXXX  for their information. On XX/XX/XXXX the registered letter ( XXXX XXXX. XXXX ) was picked up by Equifax at XXXX XXXX. Also, The U.S. Postal Service has received electronic notification on XX/XX/XXXX at XXXX XXXX  that I have associated a return receipt to my item ( XXXX XXXX. XXXX ). The odd thing about XXXX response to XXXX  they listed another Equifax address for information to be sent to which is not the same as their initial requests, only the po box number and zip code are different ( same company and city ). I am sure Equifax personal are in the same building and its only a matter of getting off the XXXX and retrieving the information requested under the XXXX XXXX XXXX address. Anyway, for what it is worth all required identification ( they have requested ) has been sent to Equifax as stated in their many redundant letters. No other letters ( see all my complaint contents ) have personally come to me from XXXX stating to send this information to XXXX address at Equifax Information Services LLC., XXXX XXXX XXXX, XXXX XXXX GA XXXX. I have complied with their requests, sent registered letter with return receipt ( which the XXXX has verified received and return receipt completed ). Outside of complying with Equifax requests which I completed, what more do they want? XXXX needs to quit playing this harassment game and send me my free credit report.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX 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

I was denied from opening a checking account at N26 bank and was given no reason for that denial. I called why and ask and was not given a reason. Under the Fair Credit Reporting Act, banks are required to tell you why you've been denied a bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I got a copy of all three of my credit report personally for myself for the 1st time in years and there is a few accounts and personal info on them that do not belong to me and I do not in anyway recognize. I filed a police report, identity theft report, and disputed it with all three credit bureaus and they have not removed the accounts. I should not be held liable for accounts that a company allowed someone else to open in my name and am furious that they have not taken them off my reports. I have decent credit and should not be liable for something I didn't do.
Product: Credit reporting

Every couple of years I have to dispute the same lien. It was removed for inaccurately being reported in error by the state of Mississippi State Tax Revenue office. Due to upgrade of computer system which collected old business owners closed account information which put several people in a delinquent status. Which was incorrect. Since I had not lived in the state for 8 years the only way I found out was when my security clearance flagged my clearance. The lien was removed by Mississippi Tax office and lien was released. Two years later Equifax put the same lien back on my credit report cause me the same problem as if they can not look back in their records and discover it was removed. I never owed the State of Mississippi, I never had to pay for any lien and I feel that the credit bureau are pulling information from public records without regards to the circumstances. For the record, even if a lien was recorded in error by the State, and released due to their system error, they Will Not completely remove as if it never happened. They keep it for there records which is for their use which happens to be public record. It will not say to the credit agency the circumstances.
Product: Debt collection

I was sued by XXXX XXXX XXXX for a debt that is well over 7 yrs old and which they kept alive by making small amounts of payments like {$15.00} and reporting that they were made by me and I have asked XXXX XXXX to send me proof of my debt he replied that I would be getting all documents showing my debt. Well I not only never received this documents he never send me a summons for the levy and I did not know until I was checking my balances on line and the bank received the court order on the XXXX of XXXX and on the XXXX of XXXX they were forced to release {$3000.00} in the mean time I was going crazy because I did not know what to do ..I called XXXX XXXX and informed him that these funds were from XXXX and XXXX, XXXX XXXX ask me if I could prove that so I faxed him a copy of my bank statement which shows prove of deposit. He then tell me that they would not take the funds because of the state and federal laws, So he that tell me to call him again on Friday the XXXX and that he was going to have the funds release back to me. Well he never attempted to refund those funds and while he was asking me about an address in California were they thought I was living all corresponded was no doubt going to that house in California he was also not truthful about who I owed this money to because and when this account was open which was back in XX/XX/1998 if its the XXXX I looked up after he told me it was household finance I recall this account and it had been closed out and paid and my credit report will show when it was closed.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 reporting or other personal consumer reports

XXXX is not authorized by me. I haven't spoken to this lender at the said date.