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

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX/DEPT OF ED , has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX - XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, DEPT OF EDXXXX, 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I went through my statements and went through the process of reconciling my statements with the receipts I had and I noticed there were charges that I did not authorize. After identifying all of the purchases I did make and filtering out the ones I didn't make I called my credit card company on XX/XX/2019. The process of reporting was straightforward, however I did get some push-back as to not to call transactions fraud but to dispute them. I told the woman on the phone that: no, these are not disputes and they are fraud since I did not authorize them. When everything was finished the representative finished the process and I saw the credits on my next bill, I had to call back to report some she did not include or did not show until the next statement. On XX/XX/2019 a letter was generated and sent to me saying that all the charges I reported I benefited from. I thought that this was ridiculous and I called right away to have the case researched thoroughly and for a second time and I asked them to contact me with any questions and or to please provide me with any documentation they could bring up so that I may dispute if necessary. I received nothing and I thought all went in my favor. Then on XX/XX/2019 a new letter was generated and said that I still benefited from the fraud. I called again to get answers and all I received was: that a representative researched the claim and that they will not move forward with another evaluation unless I can provide documentation such as a police report, which is impossible as I did not live in the country in where most of the fraud occurred.
Product: Debt collection

I received received a summons from a collection agency regarding a very old auto debt from XX/XX/2004. I believe that this collection agency is unfounded in filing the summons, as the statute of limitations for collections in the state of NC is three years, and this debt is now fourteen years old.
Product: Mortgage

This is a request for loan modifications that I am requesting on XX/XX/XXXX. Prior request made to SLS directly on XX/XX/XXXX neither has been approved or denied. In the CFPB last response and my phone conversion SLS has no records for loan modification. The records for XX/XX/XXXX emailed followed with certified mail delivery confirmation SLS has no records. 
I received 3 emails confirming my request for loan modification was received and XX/XX/XXXX letter of correction or clarification was also received. Delivery confirmation attached indicates SLS received my request. 

I have been asking to speak to supervisor since XXXX haven ever spoke to any supervisor except once who stated he will call me back after he took my information in early XXXX. I have not received call after that.
Product: Credit reporting or other personal consumer reports

Greetings, Per the FCRA, as a federally protected consumer, I am opting out of any and all authorization I the consumer XXXX have given you written, unwritten, verbal, or non-verbal per XXXX XXXX XXXX. 

My consent was never given according to : Permissible purposes of consumer reports [ XXXX XXXX. XXXX ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

All inquiries should be removed from my report as well due to the aforementioned XXXX XXXX. XXXX. 

All student loan history reported is in violation of the Family and Educational Privacy Act of 1974 and MUST BE REMOVED immediately. 

Various accounts have been charged off by creditors. Charged off accounts are considered certificates of indebtedness in which I am awaiting XXXX qualifying as income. As we know income cant be reported on a consumer credit report. In conjunction, according to XXXX XXXX Code XXXX : ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency XXXX make any consumer report containing any of the following items of information : ( XXXX ) Cases under title XXXX or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case XXXX be, antedate the report by more than 10 years ( XXXX ) Accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX years. 


Aside from these glaring infringements, you will also notice virtually each account noted between Experian, XXXX, and XXXX either XXXX noted among all three, have varying origination dates, and/or inaccurate balance information. Each of these are in opposition with XXXX XXXX XXXX ( a ) ; XXXX requires disclosure that is both clearly and accurately made. The associated report proves consumer information is neither and should be removed immediately. 

In addition I am seeking damages for each month transaction history according to : XXXX XXXX Code XXXX - Civil liability for willful noncompliance In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or Experian = XXXX history notations @ a sum of {$520000.00} XXXX = XXXX notations @ a sum of {$720000.00} Transunion = XXXX notations @ a sum of {$400000.00} All addresses should be removed as non-mailable with the exception of my XXXX XXXX XXXX 


All aforementioned violations are in accordance with the Privacy Act of 1974. Your speedy response, remedy, and restitution is greatly appreciated. 


Sincerely,
Product: Credit reporting or other personal consumer reports

Hi CFPB I need help documenting TransUnions negligence in how they process disputes, resulting in incorrect public records on my credit report. TransUnion blatantly ignores consumers ' rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681 ) by failing to ensure the accuracy of their reporting and not conducting proper investigations when disputes are raised.

Under the FCRA, TransUnion is legally obligated to : - Follow reasonable procedures to ensure maximum possible accuracy of the information in credit reports ( 1681e ( b ) ).

- Investigate disputes within 30 days of receipt and correct any errors if an inaccuracy is found ( 1681i ).

- Provide consumers with the results of the reinvestigation within 5 business days of its completion ( 1681i ( a ) ( 6 ) ).

Despite these clear legal requirements, TransUnion has negligently failed to comply.

I have repeatedly attempted to resolve a dispute, only for TransUnion to recycle the same flawed dispute results rather than conducting a legitimate investigation. As a consumer, I am entitled to a thorough and proper investigation into incorrect information on my credit report. It is impossible for TransUnion to have completed a real investigation within mere hours, yet they consistently return a decision in that timeframe. This negligence is a direct violation of the FCRA.

Specifically, I submitted a dispute regarding a bankruptcy inaccurately listed on my credit profile, which belongs to a family member with a similar name and Social Security number. Despite this clear error, TransUnion has failed to properly investigate the issue, leaving the incorrect record on my report. Under 1681i, they are required to conduct a reasonable reinvestigation into disputed information, which they have negligently failed to do.

TransUnions negligence in failing to follow these FCRA-mandated procedures has caused me financial harm, and I believe their actions represent a violation of consumer rights. I request that you sue TransUnion for their negligent practices, which affect not only me but likely many other consumers. I intend to submit a complaint every month until this error is corrected, and I hope that other affected individuals will come forward to expose how TransUnions negligence has harmed them as well. 

Thank you for your time and attention to this matter. 

Thank you! 
XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX  : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account NumberXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Spoke with Caliber Home Loans to get and update on the mortgage modification request spoke, with XXXX XXXX customer service who advised that a FHA HAMP modification has been approved for XXXX trial payments. XXXX, XXXX, and XXXX in the amount of {$1000.00}. I asked XXXX for the break down of the payments XXXX advised interest rate 5.25 % principle & interest {$700.00} Escrows ( tax, insurance, PMI {$380.00}. XXXX stated the mortgage payments were only behind {$4900.00} the escrow is XXXX, PMI is {$1200.00} for XXXX, XXXX, XXXX and XXXX XXXX stated a partial claim was filed for the delinquent mortgage payments Caliber notes in their system states PMI claim in amount of {$51000.00}. Why is a claim being filed in the amount of {$5100.00} against the PMI insurance when we are only delinquent in the amount of {$4900.00}. They have increased our PMI insurance in the modified mortgage payment. Please Help!!!!
Product: Credit reporting or other personal consumer reports

During the last few months, I have disputed data regarding my personal information, including my name and residential address, with the credit bureaus. The incorrect information has been continuously reported on my credit history for several months, so my alternative is to send this complaint as a way to take action regarding this matter.
Product: Debt collection

I am receiving repeated calls from a " processing center. '' The phone calls are abusive and threatening. The representatives threaten to " see you in court '' and " serve you with papers at your home or work '' this is regarding " two complaints '' they claim to have from HSBC Bank. They claim the complaints are regarding " breach of contract '' and " failure to pay ; '' However, as I stated previously all debt related to this account was discharged in bankruptcy in XXXX. I have told them repeatedly that the balance of HSBC account to which they are referring was discharged in bankruptcy. They will snidely reply " see you in court '' and/or " good luck in court '' and hang up the phone. These calls began in XX/XX/XXXX and have continued through XX/XX/XXXX. They even called and left three separate voicemails with my abusive ex husband which endangered my personal safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I made a call to XXXX XXXX XXXX and explained to them that I had an incorrect late payment on my account. I was told it would be investigated and I would be notified by mail. Later XX/XX/2021 I received a letter informing me that " this account was reported as deleted for XXXX XXXX ''. I checked my report 30 days later and it was still there. I have tried for several months to get this removed form my account. This process has cause me to lose out on property, funds and caused a lot of frustration and destress. XXXX placed a 30 day late payment on my account and I have never been late. I bought a new car and in the process of the dealership transferring the payoff of the first cat to XXXX financial the communication between the two were lost. I was received XXXX different contracts and the financial company said they only got one. I had to prove to them that I had 2. I am in the process of XXXX a house and this late payment is holding the process up. Because of this mistake I have lost out on many homes and funding. I need help getting this Item removed.
Product: Checking or savings account

I have a checking account and a credit card relationship with Wells Fargo Bank. 
On XX/XX/2023, I received a FORM XXXX XXXX from Wells Fargo Bank claiming that I had a Box 3 income of {$8500.00}. The form had my correct name, address, and last four digits of XXXX. 
On top, the form said the statement could be a XXXX information return, XXXX mortgage interest statement or XXXX student loan statement. I do not have a mortgage or student loan with Wells Fargo. I have checked my credit report and confirmed this. 
I called customer service. They could not find any information on this form. 
I visited the bank. They could not find any reason why the form was provided. 
I'm at a loss to understand what to do. Obviously, the form had to be generated by a system. Why wouldn't Wells Fargo not be able to find out which system generated the form and for what reason? 

My fear is this is a repeat of the fake accounts scandal where someone internal has used my SSN to open some accounts and evade taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tx XXXX XXXX XXXX XX/XX/XXXX I was checking my credit and notice that my credit score was dropping, I requested a free copy of my credit report and notice an account from Citibank on XX/XX/XXXX. I have never requested any of Citibank product, that would include banking services, loans or credit cards. To my surprised there is an account on my credit report in the amount of {$49000.00} with a balance of {$20000.00} opened XX/XX/XXXX. My birthday is XX/XX/XXXX, at the time that this account with Citibank was establish I was XXXX years old that would mean I was in the XXXX grade. I placed a call to Citibank on XX/XX/XXXX and spoke to a customer service rep, not only was she not helpful, but instead of understanding that I am a victim she treated me like a criminal. She informed me that I need to contact their fraud department which a did immediately after. The fraud department asked me for my SS which I provided, per the person in their fraud department they could not find anything under my SS number as an open account. Mean while this open account has affected my credit score, because my depth to income ratio is high. This account needs to be removed immediately and my credit score adjusted to excellent standing. before 30 days
Product: Credit reporting or other personal consumer reports

I have sent XXXX the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the fraudulent inquiry immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

In regards to XXXX & Chase Card Services : Can someone tell me what's the point of having this company as travel insurance? From my understanding the point of travel insurance is to protect a travel purchase/investment from an unforeseen issue. Well if that's the case please ditch this company and find someone more reliable who will step in and actually pay you back your lost investment when things get messy or out of hand between other vendors and third parties.This is an absolute scam, a disservice to the customers they're supposedly serving, and puts the insurance industry in a more negative light than it already is in. 

I advised on XXXX / XXXX XXXX XXXX about a trip cancellation request in regards to a medical issue and proceeded as expected : I uploaded medical documents, made notations of my fare, and provided all necessary correspondence between the travel agent ( FlightsMojo ) and the common carrier ( SQ ). XXXX then suggested I reach out to both the airline and travel agent and request what documentation is needed. Both parties said differing statements and both can hardly speak a lick of English. And why am I reaching out? I'M LITERALLY DOING YOUR WORK FOR YOU. THIS IS YOUR JOB NOT MINE! 

The problem only got much worse when XXXX repeatedly asked for an updated medical document from my physician 's office to which I complied. And then they asked for an updated medical document with a fancy signature and a stamp ... and another one with nicer handwriting.. to the point where they were just beating around the bush to hope the situation drops. It's clear to see they  don't want to comply with the situation because they would be losing money on the ticket sale hence the repeated use of asking for new medical documentation. 

XXXX 's clause of " Did you attempt to reach out for refunds or credits? '' is an absolute joke because clearly I did and have provided the documents ad nauseum but the third party here is avoiding the situation to not lose their profit. This travel insurer should've stepped in and solved the issue directly by providing a refund for the airfare based on the travel agent 's reluctance to cooperate given the excessive requests. When the claims examiner makes useless statements like " ... after all sir we are just a secondary travel insurance provider and there's nothing we can really do '' is an insult equivalent to rubbing salt in the wound. Way to be more of the problem than the solution. 


If you have XXXX with your Visa XXXX or other travel based credit card please stay away from using this insurer. I was super optimistic about this perk with my Chase Sapphire Reserve but  now have found it to be absolutely worthless. I've heard the insurance on XXXX XXXX is better but I'll have to see for myself. This company is without a doubt useless and scammy and is in dire need a class action lawsuit against them.
Product: Vehicle loan or lease

Since the end of XX/XX/2022 I have been trying to get Hyundai Motor Finance to transfer my title from state to state and for nearly XXXX months they have failed to do it, and at every step they have given me conflicting information or missed their own deadlines. 

XX/XX/XXXX- XXXX sent from insurance company to XXXX ( and they claim it was never received ) XX/XX/XXXX - Three-way phone call initiated by insurance company with myself and XXXX to confirm where to send letter again. Was told to fax XXXX. Spoke with a XXXX at XXXX and insurance company faxed it to XXXX XXXX times while we were all on the phone. No confirmation was ever communicated to me that it was received XX/XX/XXXX - Faxed another XXXX times by insurance company. Was escalated and told to email XXXX with the letter from the insurance company XX/XX/XXXX - XXXX with XXXX at XXXX around XXXX. Was told titles department received documents on XX/XX/XXXX. XXXX said it would take XXXX days to process and send to insurance company. Was never completed XX/XX/XXXX - XXXX week pass and the form was never sent. I call and was escalated to a XXXX, a supervisor at XXXX. XXXX submitted an official complaint and work order to complete the title transfer. I told her that I was going to start getting parking fines because of out-of-state license plate/title. XXXX said I would hear back from the escalated service people in XXXX to XXXX days. I stated that I would take them to court for daily fines XX/XX/XXXX - Received phone call from XXXX XXXX at XXXX at XXXX. She told me the the title would be sent to insurance company " by Friday [ the XXXX ] or no later than Monday [ the XXXX ] '' XX/XX/XXXX - Spoke to a XXXX at XXXX and was told it would be sent out the XXXX. He escalated me to XXXX, who was rude and dismissive of my concerns. He stated that titles are sent out " only on Tuesdays and Thursdays '' and this would be sent to insurance company on Thursday, XX/XX/XXXX, which contradicts the information I received from XXXX. 

This is the single most frustrating encounter I've ever experience with a company. I am beyond frustrated and it's starting to cost me real money. I just want to register my car in my new state and XXXX and a half months to complete this transfer is entirely unreasonable and borderline unethical.