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

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

Summary of Accounts being challenged in list form Summary of Accounts being challenged in list form XXXX XXXX XXXX - Account Number:XXXX THIS CONTRACT IS CANCELED XXXX XXXX XXXX XXXX  - Account NumberXXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX I my presume that no proof of the alleged debt nor therefore any such debt in fact exists XXXX XXXX  XXXX XXXX - Account XXXX
Product: Credit card

I am disputing the collection account with TARGET/TD, account XXXX, dated XX/XX/year>, with a balance of {$0.00} This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that TARGET/TD, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed inquiries that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my knowledge that this loan company has been doing fraud within my account. Multiple information is incorrect and I have notified the company so that they understand that they are garnishing my credit. It is reported on my credit report that my last payment was for {$340.00} in XX/XX/XXXX. XXXX, that I have a remaining balance of {$10000.00}, that my payments were XXXX XXXX monthly and that the terms are 74 months. The months reviewed are also off. On XXXX it shows XXXX, on XXXX, it shows XXXX I also noticed that there has been an increase in the XXXX XXXX on XX/XX/XXXX it was {$6700.00}. Today, XX/XX/XXXX, it shows {$7100.00} May I also add that my balance seemed to decrease slowly every month however, I made no payments.
Product: Mortgage

I had to sell my home before it was foreclosed on by the bank, and received much notification stating that. My home was listed on the foreclosure website of the town I lived in in XXXX New Jersey. I do not have the dates as we had to leave the home in XX/XX/2019.
Product: Vehicle loan or lease

I called my loan company Santander Consumer USA to discuss my loan. The next day they said my balance in good standing but they reported my account to the credit bureau. Next i told them i could make a payment of XXXX and then XXXX this week since i am a XXXX XXXX XXXX. The sales person on the phone agreed to it. After that day i get a letter in the mail with the intent that Santandar Consumer USA is going to repossess my vehicle this week if i don't come up with the balance due. I then told him the sales representatives that i will pay what we agreed on and the following people pay the monthly balance to get it done.
Product: Vehicle loan or lease

I payed off loan on XXXX XXXX and requested in writing that title be sent to my home address. The car was titled in Mississippi not Florida .I live in Mississippi and have car tag in that State not Florida . I called Vy Star and they refused to discuss the matter with me. A representative called me on the XX/XX/XXXX and indicated that I would not receive the title because it had to stay in Florida. Please note the car is titled in Mississippi.
Product: Payday loan, title loan, personal loan, or advance loan

The full payment on my personal loan was made from a HELOC account, but there was an overpayment of around {$700.00} made before XX/XX/XXXX. I contacted Santander Bank and they agreed to send me a check. I have been talking to them frequently since that date but I have not received the check even after almost a month and a half. The first time I made the request around XX/XX/XXXX, they supposedly did not register the request in the system. When I called on XX/XX/XXXX to get information, they made the request with reference number XXXX. Supposedly, on XX/XX/XXXX, it was that They sent the check, I was calling because they told me I had to wait XXXX days, then it was up to XXXX  days to wait, but it never arrived. On XX/XX/XXXX, I called again and was informed that it could be postal mail problems, so they made a new request ( reference number XXXX ). Although I have asked that the money be sent electronically to the same account where the payments were made, they have refused. I have also asked them to send me the check with a carrier that provides a tracking number. They have also refused. and they only want to send it by regular mail where there is no proof of delivery or it can be lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my credit report on credit karma, I noticed a derogatory account dated XX/XX/2020 original creditor XXXX XXXX in the amount of {$3400.00}, this account was listed on a previous report years ago under another name, I disputed the account years ago and the account was removed, the account has reappeared on my credit report with this date of XX/XX/2020 I am positive that this information is inaccurate, I did a direct dispute with XXXX XXXX and the result comment stated that the account is accurate, this is a previously resolved account and the information reported is incorrect, I did not receive any proof that this account is correct Ive disputed this account 3 times
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$750.00} XXXX  XXXX Balance : {$370.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX did not provide supporting documents to validate debt or notify me That they was going to sell my debt to a debt collector specifically named national credit systems in XXXX georgia which they reported to credit agencies which this happened 2 years ago not this year If the XXXX XXXX XXXX in XXXX georgia gave me the right paperwork I could of paid this debt in full from my XXXX plan which was acceptable only if they gave me the right documents to support such a withdraw instead they choose to damage my credit report unacceptable
Product: Mortgage

For 3 years, I have been renting & living in the home I am currently trying to purchase. I have invested about $ XXXX into the house- I take care of my mother who is an XXXX. I have remodeled the house to be totally handicap accessible. 
I paid a down payment of $ XXXX directly to the seller. I have an additional $ XXXX for the down payment for the mortgage loan. My credit score is XXXX. 
On XXXX/XXXX/16 I went to the wellsfargo to get a mortgage. XXXX XXXX ( mortgage rep ) said I would be approved with no problem but had the seller and I change our purchase agreement to a higher amount of $ XXXX when the selling price was $ XXXX. He told us it was to offset the equity and to avoid PMI and a down payment. Reluctantly the seller and I did what he asked. Then had the seller do a GIFT OF EQUITY of $ XXXX. Both the seller and I were confused but did as asked. I paid for the appraisal and XXXX printed out the loan documents. 
The closing date was XXXX. On XXXX I contacted XXXX because I had n't heard from the appraiser yet. XXXX said he would find out why. He did n't. 
On XXXX I went to the bank because I did n't hear back from XXXX. XXXX said that he could n't do the gift of equity and he had us to change the contract again. XXXX was the last time I heard from XXXX. So I went to the bank over XXXX times talked to numerous managers including XXXX the main guy and no one knew why XXXX was n't contacting me nor did they have an answer why we had to change the price. No one at wells fargo could tell me the standing of the loan. 
My title company tried to contact XXXX with no response. My closing was XXXX. No one at wellsF could tell me what happened with the loan only that XXXX is unavailable. 
Now I have lost my $ XXXX down payment and my investment of $ XXXX and the house will be sold to someone else and I have to move. 
I am now 100 % sure that XXXX committed FRAUD and misrepresented himself with the purchase price/gift equity crap. I talked to a different bank and told them what happened and they told me to report XXXX and wells fargo. I have complete documentation of this whole horrible encounter. I lost my home and $ XXXX because of this guy and wells fargo.
Product: Mortgage

I am an existing client of Quicken Loans. In late XX/XX/2019, I was interested in acquiring a 2nd home and applied for pre-approval letter to get the process rolling. Spoke with loan officer, XXXX, originally, and stated I was interested in $ XXXX - $ XXXX. All was good. I was switched to a VIP Exec Mortgage Banker, XXXX XXXX and on XX/XX/2019 received a pre-approval letter stating approved for up to $ XXXX good through XX/XX/2019. I spoke with him on several occasions as I was unsure of what property I wanted to purchase wanting to keep options open. I was clear that I was looking in the {$50.00} - XXXX range. On XX/XX/XXXX, I sent a listing to him for a home for {$56000.00} asking for thoughts and value review. We then had a phone conversation where he stated they can't loan under essentially $ XXXX as fees can't exceed 5 % of loan and with certain 'flat fees ' the 5 % would be exceeded. Therefore, they couldn't write the mortgage. I was looking at other financing arrangements, simultaneously, but hadn't determined I wouldn't use Quicken if I chose a different property. The next thing I received was an email to review an updated notice on their website. I opened it to learn I had been rejected and several items pointed out on my credit report. Although, a new report had not been pulled and nothing had changed. I was shocked. I sent an email request to their customer service asking for an explanation of why I wasn't informed up front that they don't lend under $ XXXX and fees can't exceed 5 % and requested a breakdown of the " flat fees ''. A resolution advocate, XXXX XXXX, contacted me by phone stating I could call to dicuss. We, literally, played phone tag for almost a month. Yesterday, I reached my limit of patience and left her a voice mail stating I didn't need to discuss, I simply wanted a document stating the $ XXXX AND 5 % FEE confirmation. I received an email from her stating that are not able to provide what I was asking for. My concern is are they trying to up-sell and when I wasn't interested then they weren't interested in the small mortgage and created this excuse? Is it possible since I'm now a senior citizen, they are not interested and looked for a reason to deny a mortgage? I'd been fine if they had stated upfront $ XXXX XXXX is too small and I'd moved on. They kept me tied up for over 2 months, I missed some market opportunities and spent a considerable amount of time collecting the required documents and uploading to their website. They talked about once doing business with them it would be much easier in the future. I have a paid mortgage and a current 1 with them. I strongly question how this was either ethical or legal that this transaction was handled in such a fashion and it certainly wasn't easier. Thank you for your time and consideration. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three credit agencies due to identity theft and fraudulent information on my account. XXXX and XXXX replied immediately and correct the false information. Experian, however, has done everything that they can to harass and prolong this process for me. I sent them a certified mail request that contained everything including my social security, birth certificate, utility bill and drivers license. They responded claming the issues were resolved, however, upon pulling my credit report, the issues were STILL there. After calling them, their support representative outright refused to remove the incorrect names on my profile. 

As of today, XX/XX/22 I pulled the report and it sais that XXXX of my names is " XXXX XXXX '', this is incorrect. This is not my name and should be removed. I have an uncle who goes by this name and it is not me. 

My birthname, as shown on my social security card, is XXXX XXXX XXXX. 

I would like the false and incorrect name of " XXXX XXXX '' removed from my file. This is not my name as you can see in my legal documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed this XX/XX/XXXX account on several occasions with XX/XX/XXXX through XX/XX/XXXX. this account is inaccurate it's reported as open on XX/XX/XXXX but closed on XX/XX/XXXX, but yet the account is in collections. the date opened is wrong as well it's reported opened on XX/XX/ on XX/XX/XXXX and reported opened XX/XX/ on XX/XX/XXXX. I request that this account be removed due to the detrimental impact it has had on my credit. in addition, they reported a late payment and a past due balance of {$470.00} on a XX/XX/XXXXaccount that had been charged off. and late payment for XXXX when that account has been charged off and closed. 

on Experian XXXX is a closed account that has been charged off but yet it has a past due balance of {$1000.00} and 12 late payments when I've never made a payment late or at all. it also has XXXX XXXX XXXX which is a charged off the account but yet is has over 12 late payment and a past due balance of {$470.00} as well as XX/XX/XXXX with a late payment which I've never made late
Product: Checking or savings account

For over four years, my Regions Bank account has been placed on hold, and I have been unable to access my funds despite repeated attempts to resolve this issue.

When the account was initially on hold, the balance was approximately {$1700.00}. Over the years, the balance has inexplicably dropped to {$900.00}, yet no one at Regions has provided a clear explanation or solution for the missing funds. I have contacted both the branch where I originally opened the account and customer service multiple times, but I have been met with delays, unhelpful responses, and no resolution. I currently live in North Carolina and can not travel to the original branch in XXXX due to financial hardship. Regions has offered no alternative solution to verify my identity or resolve this matter remotely, leaving me in a difficult and frustrating position. I am requesting immediate action to restore access to my account, investigate the missing funds, and provide a clear path to resolve this issue.
Product: Debt collection

On XX/XX/2022 I received a phone call from XXXX and the caller identified themselves as calling from XXXX XXXX and immediately tried to " confirm '' my identity by asking to state my name and address. I asked what is the nature of the call and the agent refused to tell me unless i revealed personal identifying information. I hung up and called that number back. 
A person self identified as 'customer service ' ( after I inquired 3 times ) told me his name is XXXX XXXX He said he was not allowed to provide his location. The conversation went back and forth on this issue and he often spoke over me in a threatening manner. I asked again and he said XXXX XXXX XXXX XXXX '' He refused to say what a " financial services company '' is. I said I have no relationship with XXXX XXXX at this time. He said I might have had one in the past. I said all obligations have been finished. He continued to treat me with disrespect. He would not give me the address of XXXX XXXX unless i " verified '' my identity and I refused. He would not reveal what kind of financial services company this is. 
I requested a supervisor. After five minutes on hold a XXXX XXXX took over. 
He refused to state the nature of the call and refused to say what the financial services company is. He said he could not tell me because this is a personal business financial matter. He harassed me and treated me with disrespect. He said repeatedly after I asked what a financial services company is that he could not tell me unless I verified my address and other personal identifying information. The initial call was at XXXX XXXX 
The public information on XXXX clearly shows it's a debt collector. I have a XXXX and other medical condition which these callers exacerbated. My obligations with XXXX were settled months ago.
Product: Vehicle loan or lease

I had leased a XXXX XXXX XXXX in XXXX for 3 years with XXXX miles per year through Honda Financial Services. All the payments were made and nothing outstanding left on the bill. had the inspection done on the car on XXXX XXXX, XXXX. Then on XXXX XXXX, XXXX I returned my lease to the XXXX dealership. Apparently all was good received a copy of the odometer report which had over XXXX miles left on it, the only thing I received back was my handicap plate. On Friday XXXX XXXX, XXXX we received a notice from Honda Financial Services that stated - Once the vehicle is returned, you will be provided with an " Lease End Balance Statement '' reflecting the final amount due which may differ from this preliminary statement. We did not receive anything. They are requesting {$350.00} Turn In Fee. There is not and was not anything at anytime that reflected a return fee, it further stated that if I was to release a vehicle they would waive this charge. We are waiting to receive the actual bill however I am beyond words as to be being charged after paying my lease in full car returned in good shape and then a charge for returning the vehicle at the end of my lease. I understand that they give you 25 days to pay otherwise they sue
Product: Credit reporting, credit repair services, or other personal consumer reports

I am enrolled in XXXX, the free service provided by Experian due to the data breach, I was one of the affected customers. I logged into my account and there is a hard inquiry that I did not initiate or authorize, for a rental company based in XXXX, MA. I am a homeowner in NY. I attempted to resolve this online with Experians dispute process. Their website shows that you can not despite inquiries online and provides a phone number to call. I called that number : there is no option for a dispute. I repeatedly said dispute and dispute inquiry on the recorded line, and this answer/option was not available. This in and of itself is a huge consumer issue : direct the consumer to dispute fraudulent, identity theft inquiries by a phone number, and then that phone number does not offer that option. Pressing 0 and attempting to speak to someone was also not an available option. That number is XXXX XXXX. Then I called Experian customer service main number. tel : XXXX. Again, disputing an inquiry was not an option in the automated system, and pressing zero or attempting to speak to someone was not accepted. This is also a major legal issue. Hard inquiries impact my consumer credit score. Experience should not be permitted to not provide any way- online or via phone - to disputed inquiries.
Product: Credit reporting or other personal consumer reports

The following items on my credit report are incorrect, and despite repeated attempts to correct them, they remain unresolved. 

XXXXXXXX XXXX XXXX XXXXXXXX {$29000.00} XXXXXXXX XXXX XXXX XXXXXXXX {$38000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$20000.00} I have provided all necessary documentation, yet no action has been taken to fix these mistakes. This negligence has directly impacted my financial stability, and it is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverifiable or inaccurate information. I expect a full investigation into these items and immediate corrective action.
Product: Bank account or service

PNC Bank continues to XXXX customers ' hard earned money, while pleasuring their XXXX pockets. Their sly way of theft is worse than a middle-of-the-night intruder, stripping your home of its valuables. They get away with charging overdraft fees on pending transactions. They allow " retries '' on unauthorized debits that THEY have returned due to insufficient funds, resulting in NUMEROUS overdraft and return fees. It 's a vicious cycle, mastered by PNC to STEAL your money. 
XXXX and XXXX by PNC Bank. Justified theft by " fine print '' and NO help for the victims.