23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

When I purchased an automobile ( a XXXX Mercedes-BEnz XXXX ) I took out a loan with M & T Bank. When I received my vehicle title from the Maryland XXXX XXXX it reflected a lien. The loan was paid of in the beginning of XXXX. I expected that I would receive a document thet reflected the termination of the lien. This reflects my experience with my other vehicle. After some time has lapsed, I called the general service number for M & T to inquire about this process ( on XXXX XXXX, XXXX ). At that time, a service superviser identifying himself as XXXX said there may have been a error on the bank 's part and the title continued to reflect the lien in error. He said someone might get a hold of me about the issue. Since no one has done that as of now, I called again. This time XXXX responded ( on XXXX XXXX ). After hearing my information, she said New York XXXX places the responsibility for clearing a lien on the customer. After pointing out that I live in Maryland, she offered to turn me over to another superviser. Clearly, I am getting a different story each time I call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXXXXXX XXXX Account # XXXX, XXXX Account # 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 a account without my written instructions
Product: Debt collection

I received a debt collection notice from XXXX XXXX XXXX XXXX, on XX/XX/XXXX. 

I sent a Validation dispute letter, certified mail on XX/XX/XXXX. ( attached a copy of letter with all information I requested and copy of the certified mail receipt ) As of XX/XX/XXXX, I have not received a response from Crown Asset Management.
Product: Credit reporting or other personal consumer reports

I found a number of mistakes on my credit report and I contacted Experian in order to resolve these issues. They have down right failed to comply with FTC Regulations and refused to fix these issues, this is a clear violation of my consumer rights.
Product: Student loan

Today I called the Department of Education/Nelnet to ask about why I have three months of late payments. I spoke to two supervisors to find out why did this happen on my XXXX account for the months of XXXX, XXXX, and XXXX when I filled out my application in XXXX the beginning of the year! Yet I was told that they received my application but they claimed they sent me other records of things that I needed to do but I did not receive any of the records they are speaking of. I asked what address did they send those documents to and they did not have an address on file, in fact they said the documents that they sent returned back to them. So when I sent my application in with address on it then why did they not have my address on file They are lying about sending documents to me. Then the supersivor stated that the only way they could remove the those three months of late payments was if I had cancer or in the military or in school.This is not fair for when they said they sent something when they can not even tell me what address they had on file. Nelnet have violated the Fair Credit Reporting ACT and damaged my credit score. I will be taking legal action soon for {$1000.00} per violation.

1. Please show me proof of my address 2. Please show me what documents you are stating that you did not receive with my application.
Product: Money transfer, virtual currency, or money service

Was trying to purchase soccer game tickets for a XX/XX/19 game in XXXX XXXX on XXXX, contacted seller they had me send {$1.00} via google pay on XX/XX/19 then send an additional {$330.00} via google pay on XX/XX/19 as well. After sending the second amount seller stopped responding to me and never sent me the tickets. I disputed with google and they informed me there was nothing wrong that the receiver did and would not pursue any action.
Product: Credit card or prepaid card

Citibank , N.A . received two payments on my XXXX 's XXXX card and they were not applied. I have contacted them and the say they ca n't do anything. The payments were electronically sent from my financial institution to them. On X/X/2017 a payment of {$1.00} and on X/XX/2017 a payment of {$3.00}.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit reporting 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 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Consumer Loan

Summary statement : I signed up for automatic online payments with Synchrony Bank, but Synchrony did not initiate the automatic payments resulting in late fees. Facts with attachments : I entered into a 2 year consumer loan with Synchrony Bank to finance a google pixel phone. I scheduled reoccurring automatic payments twice. Payments were to begin XX/XX/2017. I set up automatic payment on XX/XX/XXXX ( attached ). The first automatic payment did not occur and I received a late fee and notice on XX/XX/XXXX ( attached ) and a late fee on XX/XX/2017 for {$27.00}. After calling the bank, they said that they saw that the payment was scheduled but would take a month to go into effect.I made the payment on XX/XX/XXXX, and they said that they were going to remove my late fee but they did not do so ( attached ). I changed my payment amount over the phone to a higher dollar amount ( about XXXX ) so that I could pay off the loan in under a year. I made a payment over the phone on XX/XX/2017. I was also charged {$14.00} for an unknown reason and then the charge was removed, both on XX/XX/2017 ( attached ). A representative assured me over the phone that my reoccurring payments would go into effect for XX/XX/XXXX. On XX/XX/XXXX, I received a normal statement : the payment was due on XX/XX/2017 for {$66.00} I made the payment on XX/XX/XXXX, and they removed the {$26.00} late fee ( attached ). On XX/XX/2017, I paid XXXX through the automatic payment system, and then the payment was removed via 'payment correction ' and I was given a late fee for {$38.00} ( attached ). I had enough money to cover the payment ( attached ) and there was no indication that Synchrony tried to charge the money through the automatic payment. My prior payment on XX/XX/2017 came out of the same account without trouble ( attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft since the pandemic began. I thought it was resolved but I see that it has not because there are clusters of hard inquiries at attempts to take out auto loans or credit cards. The most current inquiries were made after I had placed an identity theft on my credit and I noticed because I recieved an email from the lenders letting me know they couldn't offer me credit because they couldn't verify my identity and I confirmed to them it wasn't me. I only have one credit card, my XXXX XXXX card that's all I have applied for and have had, and I have one vehicle that is a XXXX  and I bought it paid in full, I never had to take out an installment on it I just paid cash for it back in XXXX of XXXX. However mine and my mom 's social security numbers are basically the same except they are one number different at the end. I believe when she went to the dealership to take a loan out on her vehicles my social security number was given instead of hers, I know my credit hasn't been ready to take out another car loan that's why I waited to purchase my vehicle in full. I believe they were trying to make a sale and so they kept running it until they realized they were checking the wrong person 's credit instead of hers. I see this happened twice, there's a huge cluster of hard inquiries in XXXX of XXXX and then another cluster in XXXX of XXXX that I did not apply for a car loan for. The other 's I believe are a part of the identity theft that I am continuing to fight. I'm not sure how to stop it. Luckily, nobody has been able to obtain credit or loans. These are the inquiries I believe are done due to the result of my multiple identity thefts : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX Attached is my identity theft affidavid/ FTC report for these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Given the options, this track was the one that " best '' fit my issue. Neither I nor my mother have a student loan. On XX/XX/2020, Navient ( XXXX ) called my XXXXyo mother, whom I have POA over, as a hip-shot approach seeking info regarding XXXX XXXX, acct # XXXX. The caller ID 'd himself as XXXX, Employ ID XXXX, on a voicemail. When that failed, he proceeded to call me and left the same voice mail. I called to find out info about this issue and was told my info was obtained from XXXX ( XXXX ) and this was an attempt to locate XXXX XXXX, acct # XXXX over a student loan. We do not know XXXX XXXX, acct # XXXX and this is the 2nd time this type of call has occurred in as many months. I feel this is a violation of the DNCR, harassment, and abuse of information. I have since restricted my info at XXXX and noticed them of my concerns that their info of my family is being abused by Navient. I have expended at least 2 hours of my time thus far.
Product: Mortgage

I submitted a complaint to cfpb ( Complaint Number XXXX ) a couple months ago. It concerned Mr. Cooper increasing my mortgage payment from $ XXXX/month to $ XXXX/month. cfpb was able to correct this matter BUT Mr. Cooper only complied for the year ending XX/XX/XXXX. Mr. Cooper did not refund the excess escrow amount on the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX, I sent Mr. Cooper ( AKA Nationstar ) a letter by certified mail # XXXX XXXX XXXX XXXX XXXX requesting that they re-evaluate my mortgage. They did not respond. 

A again I seek your help in having Mr. Cooper refund the excess escrow for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX & they told me I've never missed a payment, yet TransUnion refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do TransUnion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I'd like the account removed at once : XXXX XXXX XXXX Date Opened : XX/XX/16 Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/16 Balance : {$460.00}
Product: Debt collection

The collection company by the name of " MCM '' or " Midland Credit Management , Inc. '' has been threatening to sue me for debt that is way past my states statute of limitations. I wrote them a letter to stop harassing me or I would take further action. They ignored me and sent me another letter. I am now contacting the CFPB for their assistance to help me get these leeches away from me.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had 2 late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I'm now requesting that you investigate this account and update these payments to paid on time IMMEDIATELY. Thank you for your understanding and prompt action.
Product: Debt collection

On XX/XX/XXXX, National Credit Systems on behalf of XXXX XXXX XXXX XXXX XXXX added a collections debt of {$920.00} to my credit. I disputed this amount twice. My most recent dispute was on XX/XX/XXXX with uploaded documents that state that the debt was paid and they have reported the wrong information. This company keeps on ignoring my uploaded documents and continue to say I owe them this debt, and I do not.
Product: Credit reporting or other personal consumer reports

I was reviewing my consumer report and noticed these frivolous accounts and also inquiries that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report : XXXX XXXX XXXX, US SM BUS ADMIN ODA, XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX around XXXX XXXX EST my husband lost signal on his phone ( we have XXXX as provider ). He was at work, so he waited until he finished work to go to meet his friend so he could call me. When he called me, he asked if I could check our Citibank account as he needed to withdraw cash. When I logged in, there was something happening, but i could not understand what. It was also hard for me to concentrate on this cause this same day XXXX invaded XXXX, and I am XXXX, and my parents still lived there, so I had to shift my focus to that situation. However, later at night, I realized that our money was gone. I immediately called Citibank to report the fraud. What happened was someone transferred to us {$14000.00} from XXXX XXXX XXXXXXXX, and then wired out from our account {$14000.00}, {$14000.00}, and {$1800.00}. We then went to Citibank branch in XXXX, NJ where we were instructed to file 3 affidavits of unauthorized transfers for each transaction even though we personally only lost total of {$15000.00}. After almost 60 days of review our case was denied because supposedly we failed to protect our identity. We filed appeal twice, and both times it was denied. When i ask them what type of investigation was done, and what other evidence I can provide to the bank, we get push back and they say that it was our fault that this happened. I see from the XXXX detailed billed from that day that there were 5 phone calls made to Citibank from my husband 's phone, but he never called the bank since he did not have service. 

We also contacted XXXX and we were able to learn that on XX/XX/XXXX there was unauthorized sim card swap done for my husband 's phone. We learned that it was done in store and that his identity was verified using driver 's license ( of note, he does not have one since he does not drive ). We are not able to find out how and where this swap happened since XXXXe fraud department can not contact us, and can not do anything about it, it can only prevent this from happening in the future ( which does not help us ). 

So I do not understand how bank can claim that we failed to protect out information if they allowed a thief to verify my husband 's personal information, and also I am absolutely mortified by the fact that someone can easily walk into the XXXX store, and fake someone's ID with sim card swapping. I believed that banks were created so they protect our finances and insure them in case there is a fraud. If it is not a case, then why do they even exist. 

Please let us know what should be out next steps and what can be done to dispute those charges. We have a police report filed as well. My husband and I are both immigrants, and we work extremely hard to safe this money, and now they are all gone. Please help us! Thank you so much for your time and for considering our case!
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was informed by XXXX XXXX that LexisNexis was showing a claim history for me ( including a {$31000.00} claim in XX/XX/XXXX ) that forced them to decline me homeowners insurance. 

I contacted LexisNexis and found out that they had mixed the records of an XXXX XXXX XXXX with mine ( XXXX XXXX XXXX ). When I asked them to correct this they told me they had 30 days to investigate even though the XXXX XXXX lived in another state and had insurance with a different Insurance company ( XXXX ). Claim number XXXX was assigned Despite dozens of calls and promises that they were expediting their investigation nothing happened. The " fix '' was as simple as getting the other persons social security number to confirm what I told them. I supplied the other persons phone number, address and insurance company as well as people at XXXX who could also have separated our records. 

LexisNexis may be a company most firms rely on but as far as I am concerned they need a big slap on the wrist for careless reporting and then a incredible lack of judgment and concern for their negligence. 

Recently they removed that XX/XX/XXXX claim from my file while incredibly leaving other claims for that same individual in my file. How can this company be allowed to operate when they can't separate two people who don't even have the same name. How many red flags do they need? 

This has cost me hundreds of dollars in insurance premiums as the insurance policy I was quoted became unobtainable. In addition, I have spent dozens of hours and endured frustrating discussions with poorly trained employees I would like them to be fined and I would like to be compensated for their negligence Anyone in my shoes would understand that LexisNexis needs to retrain employees as well as overhaul how they collect, record and file information Thank you