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

On or about XX/XX/year>, an Equifax credit report ( Report Confirmation XXXX ) was pulled. After reviewing my credit report, I noticed discrepancies with an account from XXXX XXXX XXXX. 
On or about XX/XX/year>, I filed a dispute with Equifax requesting written verification of the payment amount information listed on this account. The payment history lacks data, constituting incompleteness and a violation of the FCRA. I also requested verification of the account holders identity, confirmation of the accuracy of the reported account details, verification of the entire payment history ( including any owed amounts and dates of payments ), and documentation proving the legitimacy of the reported account. 

On or about XX/XX/year>, Equifax completed the dispute and sent a report ( Report Confirmation XXXX ). However, they did not provide any information regarding how the disputed information was verified as valid. I was not given proper documentation showing how this information was furnished. The account was listed as Transfer/Sold/Paid, yet Equifax informed me that the submitted information was correct without explaining how they validated information from an account that had been transferred or sold from the original company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had reached XXXX bureau, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Product: Mortgage

I called to have my PMI removed. I fully understand what PMI is and the requirements for removal. There have been 2 homes sold in the past couple months that place my home value high enough to have my PMI removed. When I asked to start the process, they told me documents have to be mailed. I asked for them to be emailed, they would not. The reason for this complaint is simple, removing PMI should not be complicated etc. Wells Fargo needs to do all they can to ensure it is easy to have PMI removed when the requirements are met
Product: Mortgage

XX/XX/2022 - Got a call after numerous times of telling them I do not want calls and registering with the do not call list about refinancing my mortgage. 
It was from E- Mortgage XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$10000.00} INQUIRIES : XXXX  XXXX - XX/XX/XXXX
Product: Checking or savings account

XX/XX/year> I was called by numbers XXXX, XXXX, XXXX, XXXX, and XXXX and I did not pick up. I then began to receive emails from XXXX XXXX ( my bank ) saying that my number was updated to XXXX which is not my phone number. I called XXXX XXXX to tell them that it was fraud and updated my email address to a new email. I then tried to reach out to XXXX XXXX Customer service in which I told them my account was hacked. They told me I had to send an email to their support and helped me with cancelling my card. Upon ordering a card I received a new debit card, changed my email, changed the pin and hours later over $ XXXX was stolen from my account. These transactions went to numerous cash app accounts that I have never done business with, and XXXX XXXX failed to protect me. The Cash App names are as follows : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and a credit of XXXX from XXXX XXXX, that I did not authorize. Afterwards that same person took XXXX from my account. The money was transferred from my savings to my checking and sent to all of those names on cash app. XXXX XXXX is not helping at all!!! Please help me. CASH APP has also been no help. They have no security with their app and I have requested the Cash Apps involved be investigated, but I havent heard anything from them!
Product: Debt collection

I requested validation of debt dated on XX/XX/2016, company has failed to provided me with the documentation. The company failed to provide me with a notice to request verification of debt, which would have given me the opportunity to settle debt before the creditor reported to credit bureaus. I am requesting this is information to be deleted from all credit bureaus on the strength that company failed to provide me with the requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XXXX of XXXX and I've never received a response to my request, no investigation has begun and no response has been sent. This is preventing me from moving forward with my goals and impacting my ability to secure affordable housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give access to my credit to. XXXX XXXX, And TransUnion and they have access my credit without my permission they have also given away freely reports of my credit. if not corrected I will have to seek restitution Under 1681n. Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court.
Product: Credit reporting or other personal consumer reports

I looked at my credit report back on XX/XX/XXXX and noticed some things are incomplete and not accurate.and according to the fraud whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and one more thing according to 15usc 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.15usc1681 ( 602 ) a states that is have the right to privacy.and according to 15usc1681 1eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

Received a statement from  Convergent  on  XXXX / XXXX / XXXX  stating reduc e Balance Opportunity from {$120.00} to {$79.00}. Although I have not conta cted them directly that I can recollect, it is reporting on my credit report which I have disputed, it has been removed and then another collection company picks it up and puts it back on. This debt has been paid in full since  XXXX  when I found out that it had been sent to collection even though I never received a final bill at my forwarding address. I will be filing against the original company  XXXX  also.
Product: Student loan

I have two private student loans with what is current Navient, formally XXXX XXXX - These loans have variable interest rates - I knew this when I signed the Promissory Notes - My issue is that my rates are going up at an alarming rate! - 0.25 % almost every 3-4 months - My payments have gone from under XXXX $ a month to XXXX $ a month - As a college graduate with a number of serious medical conditions that unfortunately do not allow me to use my degree I am unable to obtain a job in my degree field - Loans become difficult to pay - Medical bills add up - I understand these loans are my responsibility and am willing to pay them as long as I can scrape pennies together and pay them every month - This growing interest rate is becoming a problem though - I do not understand how or why this is happening? - I get the concept of variable rates, I do - I have come to a point that I am almost unable to make these astronomical payment amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed two rounds of disputes with the credit bureaus and have not received anything from them. How long does this take? They my correct address and email so I not understand why this happening. 
It has been over 5 months and nothing again WHY?????? ... 
How can a person try to fix the credit we cant get he bureau to reply to us. I attached below the disputes. If this does not get me my results I will SUE!!!!!!!
Product: Credit card or prepaid card

Someone made a fradulent payment to my account while I was in the hospital with a XXXX checking account number. I could not have made this error onto the account. The payment was made while I was in the hospital from XX/XX/XXXX until XX/XX/XXXX. It is like someone started hacking my account after XXXX years since me having these Amex accounts. I have evidence that I was in the hospital. I am very XXXX  and XXXX right now. I never had a problem like this since I have had the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried to get a credit card or a loan from a bank and for some reason my credit can not be pulled by this Equifax. when I even call them sometimes they wont even talk to me because on person may have put through the wrong information or the other one I talk to does and can some what talk to me. I have spent on the phone more than 3 hours at one time and then 2 with someone else. it has been wholly XXXX for me not to mention the bans that have turned me down because they get nothing when they pull it. I can not even pull it when I go on line and try. it is so unfair. my other two bureaus I can pull. I also requested for early release of 3 months before my bankruptcy because will be 10 years and they will not reply. but the other credit bureau has replied.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to rectify the fraudulent items on my credit report with your agency. Despite my consistent efforts to address this issue, the fraudulent entries persist on my credit report, negatively impacting my financial well-being and personal life. 

The fraudulent items in question such as unauthorized accounts, incorrect information which have no association with my financial history or activities. These inaccuracies are damaging my creditworthiness, causing significant distress, and limiting my access to various financial services and opportunities. 

I want to outline the history of my attempts to resolve this issue : I initially noticed the fraudulent items on my credit report and promptly contacted your agency to dispute their accuracy. 
I provided the necessary documentation and evidence to support my claims of fraud and inaccuracy. 
I received a response from your agency stating that an investigation would be conducted and that the matter would be resolved within a reasonable timeframe. 
Despite the passage of several months, the fraudulent items were not removed, and I had not received any updates on the status of my dispute. 
I followed up with your agency, requesting an update on the investigation 's progress. I was informed that the matter was still under review. 
I provided additional information and documentation as requested by your agency. 
After several more months, I received a response stating that the investigation had been completed, and the fraudulent items would be removed from my credit report. 
To my dismay, when I checked my credit report, the fraudulent items were still present and had not been removed. 
This repeated failure to rectify the fraudulent items on my credit report is causing me severe distress and financial harm. I am now seeking immediate action to resolve this matter and rectify the inaccuracies on my credit report. I kindly request the following : An expedited review of my dispute, with a commitment to a specific timeline for resolution, not exceeding 30 days. 
A thorough and accurate investigation into the fraudulent items, including the verification of all provided evidence. 
The complete and permanent removal of the fraudulent items from my credit report once the investigation is complete. 
A written confirmation of the resolution of my dispute and the removal of the fraudulent items from my credit report. 
Failure to address this issue in a timely and effective manner will leave me with no choice but to pursue legal action to protect my rights and financial interests. 

I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, MI XXXX; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX. XXXX, XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX.
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. 

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Mortgage

bank of America transferred my loan before my  1st payment is due for a modification i received a notice about my escrow having a su rplus over {$5000.00} Bank of America has not mailed the check .... my question is this .... where is this money? if the loan is transferred why are they trying to keep the money? the letter was dated  XXXX   XXXX  BEFORE the loan was transferred ... ... ... ... ..
Product: Vehicle loan or lease

i purchased a XXXX XXXX XXXX from XXXX XXXX and got the vehicle financed through santander corporation. all through the duration of my auto loan i was assessed all sorts of fees monthly from the start of this loan until i was able to getting credit from another lender. my vehicle was re-posessed and pulled in by company and i had to pay an astonomical amount of money in fees to get my car back. i constantly was on the phone with santnader trying to understand where all the excess fees were being billed to me and no matter how and when i made my monthly agreed upon payments, i was always asessed all the extra fees. i tried escalationg to a manager to no avail. i wrote letters and made weekly phone calls trying to get my account current. santander is an unreputable company and with questionable practices of blling, fees and no customer service. Please make a call to their this company yourself and see the response that you get.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according to the credit report act this creditor has violating my rigths under 15USC1681 Section 602 States I have the rigths under 15 USC1681 section 6048 section 2 It also stay a consumer reporting agency can not furnished an acount with out my written instruction, under 15 Usc1666b a creditor may not threat a payment on a credicard acount under an open a consumer credit plan as late y any porpoise, According thi this TransUnion is violating my rigths and XXXX XXXX XXXX acount opened in XXXX XX/XX/2016 should be deleted for this law and for inaccuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my Credit Reports on XX/XX/2022 ; I noticed for the second time deficiencies of reporting and inaccurate information on my credit reports in violation of the Fair Credit Reporting Act Section 611 ( 15 USC 1681 I ) and lawful compliant reporting standards ( see attached notice ). Please report ONLY my legal First and last NAME. I request you remove REMOVE previous address listed : XXXX FM XXXX XXXX XXXX XXXX XXXX, TX XXXX ; I do not live here nor have I ever resided at this address ( See attached Federal Trade Commission Complaint Report ) Additionally I respectfully request a proper investigation of XXXX ACCT # XXXX on TransUnion Credit Report XXXX XXXX Acct # XXXX " XXXX XXXX days LATE ''/ I AM NEVER LATE!!! And all mentioned Inquires enclosed on Identity theft report. Im concerned my personal information may have been breached in XXXX data breach. I HERE NOW EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY be REPORTED. SINCERE THANKS FOR YOUR TIME AND ATTENTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

On XX/XX/year> XXXX, withdrew {$1800.00} from my XXXX XXXX XXXXXXXX XXXX checking account at the XXXX, XXXX  location ( XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX  XXXX ). On the same day ( XX/XX/year> ) at XXXX I attempted to deposit that {$1800.00} into my Regions checking account at the XXXX  XXXX location ( XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX ). The ATM did not deposit the money but also did not return the money. The ATM provided me with a " receipt '' that says " We encountered a problem returning your item ( s ). Please contact your financial institution. '' I immediately parked and went into the bank. I was assisted by XXXX XXXX ( who was rude and apathetic ). He advised the only thing he could do was file a claim. The claim ID provided was XXXX. I then called customer support to see if there was anything they could do. I don't remember who I spoke with, but they were not helpful either. I allowed time to for the claim to process, then on XX/XX/year>, Regions provided a {$1800.00} credit to cover what the ATM stole. I thought the error was fixed and all was well. On XX/XX/year>, Regions took back the {$1800.00} credit, causing the checking account to overdraft {$1100.00}. I received a letter from Regions stating they investigated the ATM and advised " ATM terminal was investigated, and your deposit was not located. ATM was in balance, which indicated no ATM error occurred ''. This is false and Regions STOLE my money. If there was not error, why did I get a " receipt '' stating, there was an error. They could have easily looked at the camera footage and saw that the money was never returned to me and clearly was never deposited into my account. I have bills that are in process of coming out of that account and now I will have to deal with returned payment fees from those companies. I am unable to go grocery shopping to feed my family of XXXX. To make matters worse the customer service experience throughout this process was ATROCIOUS, no empathy whatsoever.
Product: Credit card

XX/XX/XXXX received email stating that I must pay XXXX installments of {$20.00} by XXXX of 2024. I paid {$100.00} and it posted on XX/XX/XXXX. At this time the card was already closed. The payment plan email stated the card would be blocked, reported as a modified payment no interest. After posting the {$100.00} payment and then today paying the balance off in full, well before the XXXX payments of {$20.00} due by XX/XX/2024 were due, the company closed my credit card. 

The rep on the phone told me she apologized no one told me it would be closed and didn't care that the very detailed email very clearly stated it would not be closed only blocked from making purchases until I made those XXXX {$20.00} payments by XX/XX/XXXX. XXXX in mind I fulfilled this far in advance and they closed it apparently the same day I went on the payment plan. She just apologized nobody told me this and did not care that the payment plan email was fraudulent and failed to note that anywhere. I demanded that she Rectify this on my credit report and was refused with the excuse that she apologized no one told me this and did not care that the payment plan email did not have this information in it.
Product: Checking or savings account

My bank, Truist, with whomI had a home mortgage and checking account ( connected so I would not miss a payment ) charged me a {$20.00} checking account fee on the checking account after I paid off my mortgage. They say it's because I paid off my mortgage loan on XX/XX/2023 and you have to maintain some balance or relationships or you have to pay a fee. I was not aware of the fee but even so, I don't think its right for them to charge me for a whole month when I was without the mortgage for 2 weeks. 

They provide almost no interest, I paid over {$27000.00} in mortgage interest for 2 years and now they charge me {$20.00} since I paid the mortgage off. They also charged me a {$10.00} " recording fee '' for paying off my mortgage. I wish the banker we spoke to in person in XXXX told us about this because I would have closed the checking account the same day as I paid off the mortgage so I don't have to incur a {$20.00} in my checking account. 

Banks should not be charging fees on checking and savings accounts because they make money off of our deposits. They charge fees that don't make sense and should not be allowed to do so.
Product: Mortgage

I have undergone life saving treatment for health issues. I have tried to resolve all mortgage issues with my previous mortgage servicer XXXX XXXX. We offered to resolve debt for a short payoff. We offered them the amount of the value of the interior appraisal. It was not until XX/XX/2022 that I was informed by XXXX XXXX  that they transferred mortgage to statebridge. Secondly, the foreclosure was prosecuted without standing. Lender had to ask the court to vacate their judgement of foreclosure and sale and reinstatement a new judgement and change the name of lender. Lender should have requested foreclosure be dismissed.