23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX, we submitted documents for a Short Sale to Fay Servicing. Fay Servicing communicated to us regarding the short sale for several months, and a complete short sale packet was confirmed received shortly thereafter. After the thirty day timeline that Fay Servicing had to respond to us had passed, I followed up several times for status over the telephone, and by email on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. A week later, on XX/XX/XXXX, I received a response from Fay Servicing 's representative, stating that the current offer was denied, without counter offer. That same day, I requested a full explanation and appraisal report. The representative asked if I was talking about a {$45000.00} offer on the property, and informing us that their BPO came back at {$280000.00}. I corrected him, directing him to the {$270000.00} offer in the file, and asked him to resubmit the accurate information to the investor for their review. I followed up on XX/XX/XXXX by email. On XX/XX/XXXX, the representative confirmed the file had been submitted to the  investor for review, and requested further documents. We discussed the documents and ultimately provided them, however, on XX/XX/XXXX, the representative stated that the investor has countered at {$370000.00} - a {$90000.00} increase over their own valuation of the property. I challenged this and supplied further documentation, and was informed that on XX/XX/XXXX, the investor denied the offer and is demanding the property be relisted at {$370000.00}, despite the {$280000.00} valuation they hold on the property. We found that the net proceeds they are seeking through these actions reduce the short sale write off to less than {$5000.00}, but risk their borrower losing their home to foreclosure in the process. We believe these actions are in bad faith and violate the spirit of the negotiation process.
Product: Credit card

My Ex hade been using my credit to apply for credit cards whiteout my knowledge for years he just told me a after I called the police credit cards he opened and used under my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX  ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX  ), XXXX XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$3500.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is showing inaccuracies. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX Credit Unions XX/XX/2022 XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I had filed a report in XXXX XXXX, NY for the theft of my car. 

In XX/XX/XXXX I visited the police station to find out about the situation since I had not heard anything about the car. I was told it was found a week later from the initial date in XXXX, CT where I paid the {$1700.00} storage fee. The car was in the same condition minus a broken radio screen That same day I called TD Bank to inquire about surrendering the car due to having moved closer to the city and no longer relied on a vehicle. 

I explained my situation and was given this number. XXXX XXXX XXXX I 've had other representatives leave emails, I personally left dozens of voicemails with my contact info. I 've called from XX/XX/XXXX to XX/XX/XXXX numerous times throughout the week at different hours to no prevail. Not ONCE has anyone ever picked up the line! 

If i call and talk to a representative, they end up forwarding me to a different department that ends up going to voicemail. 

I cant continue playing in this run around!
Product: Student loan

I have a Navient student loan that I have been paying on since XX/XX/XXXX,  which started out as Sallie Mae. Through the years I have been paying on this loan without it my principal decreasing. Every year my monthly payments would increase. I would call to speak to a servicer and they would steer me towards the income-based loan repayment option. Still my monthly payments yearly would increase exponentially. Finally, in XXXX it got to the point even have doing the Income-based payments it was still too expensive for me to pay, so they directed me towards loan deferment. I did understand that my interested would still accrue, but did not know that the monthly interest rate changes. So now my loan is nearly back to were it started. All interactions were done by telephone but I do have all payments made towards my student loans.
Product: Debt collection

City bank has been reporting inaccurate info on my credit report Im aware city bank is FDIC support I recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reporting inaccurate. 
A collection is by default late and past due, remove account from my credit for reporting past due. Delete account for inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX XXXX ). Because the high balance, date of last activity, and payment history being reported by your company, XXXX, and Equifax are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY EQUIFAX IS STILL REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT XXXX   ACCOUNT XXXX. I AM ENCLOSING THE FTC FRAUD AFFRADAVIT WHICH REQUIRES EQUIFAX TO TAKE CERTAIN ACTIONS ON THIS ACCOUNT BEING REPORTED AS XXXX ACCOUNT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoke to equifax about removing my fraud alert after being a victim of identity theft. I spoke to a representative named XXXX XXXX who had me verify my identity by providing my social and id. We had an email interaction while doing this ( his email was XXXX ). He mentioned that there was an issue with my report but that he had successfully removed my alert and freeze but that he would call me in 1 hour to confirm. I never received the call during those times so I decided to check my account on equifax to see if it was resolved. I noticed that the report was not longer showing the alert/freeze HOWEVER, my report had complete incorrect information!!! 

- An account that I been an owner for XXXX XXXX XXXX # XXXX WAS NOW - SHOWING AS AUTHORIZED USER WHICH WAS INCORRECT. 
- An account that I had removed XXXX BANK XXXX was back in my report! 
- Total of 4 inquiries were now ADDED to my report from the past!! ( XXXX, XXXX, XXXX, XXXX XXXX ) EVEN THOUGH I ONLY HAD 1 AS OF XX/XX/XXXX!!! 

This means that whenever this representative corrected my information, he changed the account status of my account and also added these inquiries that did not belong to me and were no longer there as of XX/XX/XXXX. 

I called multiple times on XX/XX/XXXX but i could not get transferred to the same representantive! I also could not anyone to understand my issue and they all kept saying that it was correct however this was not the case. 

I have attached a report pulled from the equifax website as of XX/XX/XXXX which was showing the correct info. I also attached the CURRENT INCORRECT report which shows all of these incorrect changes! 

I demand an explanation of the miss handling of my report immediately and my account to be corrected. 

I demand these old inquiries to be removed XXXX, XXXX, XXXX XXXX XXXXXXXX I demand the account XXXX XXXX to be corrected as OWNER and NOT Authorized user. 

I also demand compensation, I have spent countless of hours trying to recover myself from being a victim of identity theft and I have received nothing but inexperienced customer support. This is not affecting my financial situation and its not acceptable. It is clearly a violation of my FCRA RIGHTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 I disputed and made an attempt to correct a few errors that were being reported on my Experian credit report. Two of these errors were two accounts that had gone onto collections ( medical bills ). The other two errors were accounts that were still being reported after 7 years of being reported negatively. The two medical bills that were reported were not paid by my insurance in which I was not aware of. I'm not saying that the bills are not mine, just should be given the opportunity to make payment arrangements on them instead of them being turned into a collection agency, then turned in to the credit bureaus. I disputed these same four accounts with XXXX and XXXX and after completing an investigation both agencies removed the information from my report. According to the Fair Credit Act, Experian has the responsibility of reporting consumer credit information accurately.
Product: Credit reporting or other personal consumer reports

Per FCRA 605B, you need to remove any false accounts from my credit report. Can you go over the documents? Several accounts are inaccurately reported, with incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX. I misplaced the card, which was necessary to pay the bill earlier this year. I contacted XXXX XXXX to make a payment and request a card in XXXX XXXX. The card never came so I did the same thing in XXXX and then again in XXXX. In XXXX I made arrangements to have it auto pay. This did not happen. I found out by seeing a negative mark on my credit in XXXX XXXX. 

I contacted XXXX XXXX. They got me the card finally. I was able to log into my account and put it autopay. I contacted them and they agreed to have the 30 day late mark removed from my accoun, given the efforts I had to go through to resolve, what could have been a simple issue. XXXX XXXX did contact the credit unions. I think Equifax was the reporting credit union. 

Equifax refused to remove the 30 day late mark. I requested an investigation. They are saying it is compliance with FCRA, despite both XXXX XXXX and I disputing this reporting. 

The other credit unions also refuse to remove this item.
Product: Credit reporting or other personal consumer reports

This letter is a formal dispute under the provisions of the fair credit reporting act FCRA 15 USC1 681 et seq. that you are reporting inaccurate credit information after careful review of my credit report it has come to my attention that there are several inaccurate listings contained in my credit report the accounts listed below are incorrect the following accounts need to be investigated immediately to reflect my truthful credit history if any of accounts below can not be verified they should be deleted from my credit report as soon as possible as I am sure you are aware the FCR requires you to properly investigate any debt dispute I'm sure that the inclusion of this inaccurate information is a mistake on either you or the credit reporters part dude. Equifax actions show they did not properly investigate per required by law
Product: Debt collection

In XXXX of 2020 I was first contacted by The Bureaus Inc. regarding a debt that I was told I owed. This debt, however, had previously been identified as fraudulent, and I had taken action to have it discharged. I immediately informed The Bureaus Inc. that the debt was not valid and should not be pursued. I also gave them a police report and FTC report. 

Despite my communication, The Bureaus Inc. continued to attempt collection. As a result, I reported the matter to the XXXX XXXX XXXX  and contacted the legal representative of the original company associated with the debt. the companys lawyer confirmed that the debt was fraudulent and assured me that they would correct the error on my credit report. 

However, despite these steps, The Bureaus Inc. has continued its attempts to collect this fraudulent debt. I have repeatedly asked for this issue to be resolved, but no action has been taken to remove the debt from my credit report. 

I am requesting that The Bureaus Inc. immediately stop all collection efforts related to this fraudulent debt and remove it from my credit report, as they were notified of the discharge and the fraud claim. Failure to comply will leave me no choice but to pursue further legal action to protect my rights under the Fair Debt Collection Practices Act.
Product: Credit card

Ive had this credit card for several years when it was first Ollo then switched to Ally. My monthly payment is due on the XXXX of every month, I sent my payment through the bank on the XXXX and it didnt clear until the XXXX which is still within five days. Ive never been late on any payment. I received two text messages stating that I had until the XXXX to make a payment to stay in good standing. My payment already posted on the XXXX, I looked at my credit statement and the company charged me {$29.00} for a late fee. I contacted Ally to have the charge removed and instead of having the charge removed or any compliance with California Finance laws 4001, the employee instead was absolutely insulting and argued with me the entire phone call. I will be closing my account and never do business with Ally. I have the phone call recorded along with text messages from the company
Product: Credit reporting or other personal consumer reports

There have been multiple disputes as well as request letters mailed. The most recent dispute date XX/XX/XXXX, letters mailed XX/XX/XXXX and XX/XX/XXXX. A copy of the letter is below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for XXXX Form To Whom It May Concern, I hope this message finds you well. I am writing to request a copy of my XXXX form for the tax year XXXX. I believe I should have received this form, but I have not yet received it. 
For your reference, my details are as follows : Name : SSN ACCT # Please send the requested XXXX form to the address listed above or to my email address at [ Your Email Address ]. If you need any further information to process this request, feel free to reach out to me at the phone number listed above. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Account Information I am writing to dispute the accuracy of account, reported on XXXX. XXXX, XXXX. 

I want to clarify that I did not sign any paperwork for the title of this vehicle. My wife and I acquired this vehicle through XXXX XXXX XXXX, which went out of business in XX/XX/XXXX. 

Key discrepancies : 1. Monthly Payment : Incorrectly reported as {$530.00}.

2. Payment History : Details on last payment date, current payment status, and worst payment status need clarification.

3. Account Status : Derogatory status and remarks about repossession and redemption require validation. 

Please conduct a thorough investigation and provide documented proof supporting the reported information. I expect a written response within 30 days, as per the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

A few days out of the past week I tried calling Nelnet XXXX. XXXX I waited over XXXX minutes, no answer. The second call, I waited on hold over XXXX hours. No answer. I sent an email message, no answer. I applied for the XXXX XXXX  and the student loan.gov website says my payment should XXXX, and the Nelnet online portal says Ill be charged XXXX within the next XXXX weeks. This is unacceptable.
Product: Credit reporting, credit repair services, 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 Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a 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. 1681 c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer repot containing any of the following items of information Any other adverse items of information, other than record of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 s-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: Checking or savings account

A scam website fraudulently took four different transactions of a total {$190.00} out of my chime account. I went through a dispute process with Chime three different times, and they denied my money back. They were very rude to me, and still did not send me legal documentation of why they denied my request for my money that was taken out of my account through Chime.

I did research and found out who took the money out of my account is a scam site I do not know how they got my personal information
Product: Debt collection

I received a letter from Cass and Associates for XXXX demanding payment in the amount of {$7300.00}. I immediate sent a dispute letter advising I had no knowledge of the account and requested verification and validation, however Cass did not provide this information but instead sent me a letter demanding I call within 10 days to make payment along with an unfilled plaintiffs summons and order to go to small claims court I believe. The letter is signed by XXXX XXXX XXXX Department after searching the XXXX XXXX  I find no active license for XXXX XXXX. I believe this agency is using intimidation tactics to demand payment for debts not owed as a form of fraud.
Product: Vehicle loan or lease

When I purchased my vehicle it was converted from a lease through the dealership to a loan through US Bank. At that time, they sent me paperwork to transfer the the title and a check to cover the taxes. That paperwork at that time would have moved the title holder from XXXX to US Bank. This occurred in XXXX, the entire issue started due to the DMV being shut down in California/COVID protocols ... I could not make a appointment to transfer the title as everything was exclusively being handled online and you could not make payment via the Internet with a physically check. I repeatedly called US Bank and offered different scenarios for resolution ( connect to my PC and submit payment, web address for them to direct pay, send me a check in my name and I will pay ) but each time it was denied. US Bank asked after 90 days if I was unable to secure a date in person with the DMV to send the title and check back to them, which is what I did. Fast forward to XXXX, I pay off my loan ( vehicle now legally mine ) and I call to inquire about the timing of my title, they tell me wait 10 days and it will arrive, it never does. I call back XXXX and they tell me that they lost the title and they are not sure what they are going to do, ultimately US Bank escalates it a Division of theirs call XXXX which handles these types of issues. At this point US Bank sends me paperwork that I must get notarized at my expense to move the title from the original dealer to US Bank, from there they will handle the rest ( I have the documents if needed ), so I do and send them back. I am then told that they can bi-pass all that and send me new paperwork and and a check to move it directly into my name. The issues as it stands now, the DMV has imposed late penalties because US Bank did not properly transfer the title into their possession and US Bank no longer is willing to acknowledge my emails, calls or request to address this. 
Open issues are : Vehicle purchased in XXXX- still do not have my title. 
{$650.00} difference from what the DMV is requesting and what US Bank check is. 
I am unable to register my vehicle ( due in XXXX ) as they have a lean on my car. 
I have 43 attempts at contact with US Bank, no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX did hard inquires on my credit report which I did not make must be fraudulent will not do anything about it
Product: Credit card

Noticed my credit card interest rate changing over the years without any notification. Rates have consistently fluctuated over the years on a quarterly or so basis and without any notification ever. When asked how my interest rates have increased so much from my original terms Im met with thats what is has been. They only have statements online for the past two years and even there the rates are showing changes without any notification from the lender. My rates has increased almost 9 % since getting this card and I have never made a late or missed payment over the years. This is unfair and deceptive practices for service members and their families. The company prides itself on being military friendly but operate as though its business is targeting military.