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

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, SANTANDER CONSUMER USA add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorizatio n Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit card

I have been a citi aadvantage card holder since XX/XX/2007 I upgraded my card. with that I went from a {$50.00} to {$95.00} yearly fee. When I signed up I was told that this year would be waved since I upgraded my card. I have called in 4 times now to get a run around. they tell me that a supervisor will call me back and they never do.
Product: Checking or savings account

WELLSFARGO BANK DISCRIMINATED ON MY CREDIT CARD AND CHEEK ING, ACCOUNTS. I'VE ALREADY REPORTED THIS, TO THIS. 
COMPANY NOW THEY ARE MAKING UP FALSE, DISPUTED REPORTS AND FRAUDULENT INFORMATION UNDER MY ACCOUNT SENDING TO ME, WHICH I DIDN'T STATE TO WELLSFARGO FRAUDULENT AND DISPUTE DEPARTMENT. THEY ARE TRYING TO PUT WORDS IN MY MOUTH, I DIDN'T SAY OR SPEAK. THIS IS WRONG AND INJUSTICE I HAVE THE DOUCEMENTATION THEY SENT TO ME, ALL THIS STARTED AROUND XX/XX/XXXX, TO PRESENT. I '' VE TRYED TALKING WITH THESE PEOPLE 'S WHO WORK FOR WELLSFARGO. ON XX/XX/XXXX, WELLSFARGO COMUSTER SERVICES REPORTSENTITIES HUNG UP THE PHONE, ON ME ABOUT, 10. TIMES EVERY TIME I CALL BACK THEY ASK ME THE SAME QUESTION AND I GIVE THEM THE RIGHT ANSWER THEY PUT ME ON, HOLD AND HANG UP THE PHONE AND OTHER TIMES THEY FIND A REASON TO HANG UP ON ME, AT THIS TIME I'AM VERY UP SET FEELING SAD AND HURT BECAUSE I'VE REALLY TRYED TO TALK TO WELLSFARGO FOR ALMOST TWO YEARS I'AM RESOLVED WHAT ELSE TO SAY OR DO PLEASE HELP ME CONSUMER FINANCE OF THE UNITED STATES, GOVERNMENT I REALLY NEED A SECOND VOICE, I SAY AGAIN PLEASE HELP ME C. F. P .B . .. THIS IS MY SECOND TIME REPORTING THIS TO THE, C .F .P .B. THE FIRST TIME WAS BY PHONE, THIS SAME MONTH. BUT I KNOW THESE THINGS TAKES TIME, I'M ONLY GIVING A UP DATE OF WHAT'S STILL HAPPENING TO THIS DAY,, XX/XX/XXXX,, XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ATTENTIVELY REVIEW my formal writing composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infructuous behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting.  FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTS ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I requested a credit report and for my surprise, the mortgage company XXXX  XXXX XXXX XXXX XXXX had not reported my payments for the last two years even though I paid them monthly. The explanation they gave me when I contacted them by phone that same day was that : I did a bankruptcy on XX/XX/XXXX and they did not have my letter of reaffirmation of the debt and they closed my account. I sent them by fax on XX/XX/XXXX the document included in the bankruptcy where I reaffirm my intention to keep the house and the debt. After a lot of insisting, two weeks later they told me that the documents were enough and that soon their bankruptcy department of XXXX would contact me. When I did not receive a response in more than 10 days, I contacted them again and they told me that this was not the document they needed. My lawyer faxed them on XX/XX/XXXX a copy of the documents presented in the bankruptcy and a letter explaining that the document in question was presented in wich I reaffirm the debt with them and my intention to keep my house. XXXX insists on not reporting my payments to the credit bureau and continues to report the account as closed, even though I keep sending my payments on time every month.
Product: Checking or savings account

Wells Fargo placed a hold on a cashier 's check and they forced me to make an appointment and go into a branch to get the hold released. I deposited the check in their ATM because all their branches are closed. Now I have to waste more time because they put a hold on a BANK CHECK, which should never have holds. They refused to release the funds -- a BANK CHECK!!! -- over the phone even though they had fully identified me as a customer with multiple accounts.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I sent certify letters off to Equifax XXXX and XXXX requesting the removal of inaccurate accounts on my credit report that are affecting me. I did include my two forms of identification. Accounts I disputed still remain on my credit report many that do not even say " currently in dispute '', accounts showing as an open collection, companies I have not heard of or recall having an account with such as XXXX. I asked them to validate an account called XXXX XXXX on my credit report and also all of these accounts I am mentioning have missing information, the payment history is not matching with the date accounts were open, there are just so many invalid entries that I can not understand or read my credit report properly so I am requesting that if the CFPB can not either, then to please request that the companies remove these. 

Today is XX/XX/year> I have not gotten any response from any of the listed companies. I was told that if they fail to respond I could escalate it to the CFPB and demand they remove the information since it has been past the 30 days for investigating. I heard this is the law. 

Please help me to remove this damaging information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX  XXXX XXXX, XXXX. XXXX and XXXX XXXX XXXX XXXX. Also, I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX and XXXX  XXXX XXXX. Please correct and update ASAP.
Product: Credit card

received an offer that states 0 % apr for XXXX months then XXXX-19.99 % therafter/offer also states introductory rate on balance transfers applies through the end of the XXXX m, onthly billing cycle after the account is opened for all balance transfers requested within 60 days of account opening. Just opened the account last week called to do a balance transfer and was advised the rate was XXXX and then information that was sent to me was a misprint-that appears to be illegal to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OK, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, and XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$17000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint of non-compliance against the following collection companies : I sent a lettter to XXXX  of XXXX XXXX, XXXX you said you verified the accounts : 1 ) WAYPOINT ( XXXX XXXX ) 2 ) XXXX  ( XXXXXXXX XXXX XXXXXXXX XXXX ) This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my name to my dispute letter deposited by certified registered mail with USPS. ( have attached both certified letters ). 
I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. The following on the letters needs to verified : In XXXX, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute this for years. I had a student loan with XXXX XXXX XXXX which was transferred out of nowhere in XXXX. I have late payments reported from XXXX to XXXX that are invalid. I need reviewed please
Product: Checking or savings account

My Wife and I are XXXX  retirees. USAA Bank closed our account on XX/XX/XXXX for a suspected wire sent to a scammer which was not the case. They refuse to give us our money for 60 days which are monthly Federal retiree deposits and Social Security. It is my understanding that Federal retiree deposits that are made electronically are protected from being locked for the past 2 months. They don't care that we have no money to live on or pay our Mortgage and other bills.
Product: Mortgage

I received a payoff bill for XXXX that had to be paid in full before XX/XX/2020. The full amount was paid before that date. I receive another bill stating additional XXXX was due with late fees
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$420.00XXXX XXXX # XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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
Product: Mortgage

Fay Services was assigned to service my loan at the behest of the lender. The original lender required an escrow account for insurance and property taxes. The loan originated XXXX XX/XX/XXXX. 
The tax authority assessment for the first year includes a supplemental tax. This tax is in addition to the regular property tax. It is due in ( 2 ) installments, the first due date was XX/XX/XXXX. The bill was submitted 60 days prior to Fay Services by the tax agency and myself. I also called Fay, on their recorded line, and verified with their representative that the bill was received and due for timely payment. The Fay Services representative assured me that it would be paid on time. 

On or about the first week of XX/XX/XXXX, I went to the assessors site and discovered the bill had not been paid. Moreover, a delinquency penalty was added to the outstanding balance. I immediately called Fay Services and was told that the bill with penalty would be paid within the coming weeks. They acknowledged the error was theirs and that the penalty was not to be borne by me. 

The tax was eventually paid toward the end of XXXX. However, Fay Services debited my escrow account the penalty amount! After numerous calls on their recorded line, it remains unresolved. 

The 2nd installment was due XXXX XX/XX/XXXX. Once again I called Fay Services in the beginning of XXXX, to assure the same thing didnt happen again. Shockingly, it has. 
After multiple calls and promises, the past due 2nd installment remains delinquent with a penalty! 

Ive spoken to numerous Fay Services representatives, including those purported to be managers. Copies of the delinquent invoice have been scanned and received by them but the payment remains unpaid! I have written and called numerous times, but to no avail. 

I have also notified them that as a Registered Securities Representative, tax delinquencies are reported as required disclosures on my public facing registration site. This could be harmful to my business! This can not happen! I need your offices immediate help.
Product: Mortgage

XXXX Transfer my loan to SLS. SLS does not acknowledge my XX/XX/XXXX payment, I did make my XX/XX/XXXX payment and I have not received any statements since XX/XX/2016. Similar situation happen when XXXX transfer my mortgage to XXXX, and that episode ended in a fraudulent foreclosure.
Product: Credit card or prepaid card

in XXXX of XXXX, we applied for and received special 0 % financing on a brand new XXXX XXXX of exactly {$2800.00} that was purchased thru the online XXXX XXXX. 

the special promotional financing was for 18 months on a Barclays XXXX credit card. 

between XX/XX/XXXX and XX/XX/XXXX ( the 18month term ) i made {$6300.00} total of payments, which i assumed that they would apply my payments to the promotional financing but on XX/XX/XXXX Barclays charged me {$600.00} of interest. 
this is the full interest charge of 13.99 % because they said i did not pay of my special financing, i have made {$6300.00} worth of payments and they claim that i did not pay my special financing i have been going back and forth with the company and am highly upset. i lost my income due to the pandemic, and to have this fraudulent interest charge to me is a slap in the face i have 18 pdf statements as proof, and have a pdf of all my payments. i am hoping to receive some assistance on this matter before this unscrupulous company destroys my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were 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 deleted for 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
Product: Credit reporting or other personal consumer reports

I have made two attempts to correct inaccurate information listed on my credit report with Experian by sending certified letters. The first letter was sent on XX/XX/XXXX, and the second one was sent on XX/XX/XXXX. Despite my efforts, the incorrect information, which includes my date of birth and addresses, remains on my credit report. This has caused frustration and XXXX, as I worry about the potential impact this could have on my credit score and financial future. I am now considering other steps to take in order to resolve this issue and ensure that my credit report accurately reflects my personal information.
Product: Student loan

Before consolidating my direct federal loans with Mohela, I had XXXX qualifying payments for XXXX. Studentaid.gov and Mohela both told me I should consolidate my loans to make sure all of my payments qualified under the temporary limited XXXX  waiver. Since consolidating in XXXX of XXXX, Mohela has erased my pre-consolidation qualifying payments so that it now only shows XXXX qualifying payments on their website, where it should be XXXX = XXXX qualifying PSLF payments, as of XXXX of XXXX. When I recertify in XXXX of this year, I believe I should have XXXX payments total and not have to make any more payments before having the remainder of my loans forgiven. Also, studentaid.gov seems to have DOUBLED my loan amount ( from {$320000.00} to {$640000.00} ), showing both my previous loans and the newly consolidated loans on the studentaid.gov website. 
I have called MOHELA multiple times over the past year and each representative assures me that I've done everything right and that they are back-logged and will adjust my qualifying payments in the near future, but it has been over a year and there is still no resolution. I have filed a formal complaint on the studentaid.gov website on XX/XX/XXXX, as well as submitting supporting documents. I received an automated email from them on XX/XX/XXXX, saying that they would " respond to my complaint within 15 days, '' but then never received a response. The case was then " closed '' on their website without them ever contacting me or resolving the problem.
Product: Debt collection

Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with HIPPA requirements to SourceRM. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was validated wrong by SourceRM. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of SourceRM and XXXX XXXX XXXX. Because neither collection company is abiding my Texas FDCPA.
Product: Checking or savings account

I opened a Trust account with Ally Bank of which I am the Trustee of my own Trust. Ally considers my Trust as the primary owner and will not allow me to, request on line statements only, but require that I receive hard copy paper statements. This was not disclosed to me at the time of opening. I have spoken to them numerous times via private secure mail on their web site and today I spoke to XXXX in the Trust department and then XXXX XXXX the Deposit Ops Supervisor and they refuse to allow me to only receive on line statements. This is a concern for me when mail could be stolen from my mailbox or the USPS deliver my mail to the wrong person, disclosing my account number and balance. My Trust is not a person and I should have a right to request my statements be available on line only.
Product: Student loan

navient offered assistance to payoff my student loan as I am XXXX. I refused the assistance, and I continue to pay my student loans. however, I noticed that navient did some sort of finance change, as my payments per month were reduced in amount to be paid from, approximately, $ XXXXmonth to $ XXXXmonth. my principal was increased by a few hundred dollars when this payment change was made. I did not request any sort of refinancing on the original loan, but I feel something of the sort may have occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

- NO RESPONSE TO DISPUTES I have contacted this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 

This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.