23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX. XXXX my Mother and her husband bought a home at XXXX XXXX XXXX XXXX XXXX, XXXX The mortgage company was XXXX mortgage. They signed the loan documents as husband and wife.. In XXXX the husband decided to go to California and deeded the home to my mother. He returned about a year later and lived there until he developed XXXX in XXXX. At that time I took over the mortgage payments and kept the loan current and provided insurance coverage. In XXXX XXXX the husband died. XXXX XXXX XXXX soled the mortgage to CMLTI mortgage company..I kept the loan payments to XXXX current. XXXX XXXX Fay Services bought the mortgage. This is where the problems began.Faye services changed to ownership of the home and responsibility for the mortgage form my mother to her deceased husband. Fay refused to discuss correct this and refused to discuss with us on numerous attempts we made to talk with XXXX XXXX and XXXX XXXX loan officers. Because they would not tell us the current amount of the loan balance or amount of payments. We paid the same payment as was required by XXXX All XXXX taxes were deferred by the county because my mother is XXXX. Fay set up escrow for taxes despite the fact that the taxes were XXXX Notice was sent to the husband 's family showing he owned the property. His family immediately filed a probate lien on my mother 's home. We hired a lawyer. Fay would not cooperate with him.. Faye cashed our checks and this loan should b up to date. We received a notice from Fay advising that if we do not pay and additional {$20000.00} by XXXX XXXX they would foreclose on my XXXX XXXX XXXX mother 's home.. There are XXXX complaints against FAY services with the BBB and more with Texas Dept of Savings and Mortgage Lending.
Product: Credit reporting or other personal consumer reports

I called TransUnion on Monday, XX/XX/, around XXXX XXXX PT. I called over five ( 5 ) times consecutively, and was disconnected each time. I was successfully able to get passed the XXXX, however, once connected to an agent, every phone call was disconnected. This only happens with TransUnion. I called my cellphone provider to troubleshoot, however, there was nothing wrong with my phone. I am in XXXX XXXX and there is no problem with cell phones in my area. I also have all five ( 5 ) bars displayed on my phone. This problem happens with the offshore TransUnion agents. This includes both XXXX and XXXX XXXX locations.
Product: Debt collection

XXXX XXXX XXXX contacted me in regards to a debt. I have no knowledge of who this company is and why they have my private information. But the representative that called, gave me anxiety from just answering an unidentifiable number calling my phone and feeling that because I wanted more information regarding this debt was a crime. All I wanted to do was exercise my rights in good faith, but XXXX XXXX XXXX doesn't seem trustworthy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act U S DEPT of ED/XXXX Account 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

Midland Credit Management pulled two payments from my account, although somehow had no record of the first payment. 
On XX/XX/2020 they pulled {$30.00} On XX/XX/2020 they pulled {$34.00} When I contacted them on XX/XX/2020, they insisted they only pulled one payment for {$34.00}, and had no record of the payment on XX/XX/2020. They then asked me to send my personal bank statements as proof.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account # XXXX I am writing to formally dispute the unauthorized sale and inaccurate reporting of the XXXX XXXX XXXX account ( # XXXX ) on my credit reports with XXXX and Equifax. The account was sold without my consent, constituting a breach of privacy. Additionally, the reporting on this account is inconsistent and incorrect. I demand the immediate removal of this account from all credit reporting agencies and request a detailed investigation into these issues, as well as suitable compensation for the harm caused. 

Issues Identified 1. Unauthorized Sale of Account : The account was sold to a third party without my knowledge or consent, violating my privacy rights and the Fair Credit Reporting Act ( FCRA ).

2. Inaccurate Reporting : Last Reported Date : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Date of Last Payment : XXXX : Not reported Equifax : XX/XX/XXXX Payment Status : XXXX : No status reported Equifax : Was 120 Days Late 7 Times, which is inaccurate and inconsistent with the accounts actual status. 

Violations and Impact The discrepancies in the reported dates, payment status, and the unauthorized sale of the account violate my rights under the FCRA and privacy laws. The incorrect information regarding the payment status, especially the claim of being 120 days late 7 times, is not only false but also damaging to my credit profile. The unauthorized sale of my account without my consent is a clear breach of privacy and has caused undue stress and potential financial harm. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The inaccuracies in reporting violate this requirement.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

6. Right to Privacy : The unauthorized sale of my account without my consent constitutes a breach of my privacy rights, including the unauthorized disclosure and mishandling of sensitive information.
Product: Debt collection

Hospital never sent claim to insurance company. Therefore by the Medicaid law. Im not suppose to be billed for services while on Medicaid
Product: Credit reporting or other personal consumer reports

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 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. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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

I cant believe my eyes when I saw inaccurate accounts appear on my credit report this morning! I regularly check my credit report, but this time there were errors that just appeared out of nowhere. I tried refreshing my browser, thinking it might be a glitch, but the incorrect accounts are still there. I am now asking that all the documents Ive submitted be thoroughly examined so I dont have to deal with this ever again.
Product: Money transfer, virtual currency, or money service

I get emails saying theres been a breach but cant sign in XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Address from another state, location I've never been to nor lived
Product: Checking or savings account

I am writing to express my concern and dissatisfaction regarding the {$300.00} bonus offer that was advertised for opening a First Tech account. I applied for the First Tech account with the intention of qualifying for the bonus and followed the conditions as stipulated. 

By XX/XX/year>, my employer had deposited {$3000.00} into my First Tech account. After this, I contacted First Tech Customer Service to confirm I met the requirements for the bonus. During this call, I was assured that I had met the direct deposit requirement of the offer.

Despite adhering to these instructions and waiting the specified period, I did not receive the {$300.00} bonus. Upon contacting your customer service team recently, I was informed that my deposit did not meet the direct deposit requirement because it was not classified as such. This contradicts the information I was initially given. 

I am disappointed with the inconsistent information provided by your customer service representatives and the failure to honor the advertised bonus offer despite my compliance with the requirements as I understood them. 

I request that you review my case and honor the {$300.00} bonus as initially promised.
Product: Credit card or prepaid card

The sum of my monthly transactions, is lower than the sum indicated on my XX/XX/XXXX statement, by {$2.00}. There is NO accounting for this discrepancy. I am not disputing ANY of the monthly charges. 
The credit card company is and has been denying the sum is different. 
I have been on the phone, three times -- mostly on hold -- totaling over 2 hours, while a 5th person, now, reviews my statement. Her name is XXXX, senior account supervisor, agent ID # XXXX, and she also is denying there is an error. 
I have calculated the total 8 times, my daughter has verified my calculation is correct, as has my XXXX  spreadsheet. 
The statement is incorrect, I have it in black and white. I don't really care about the {$2.00}. 
What I care about is the statement being wrong, and the company 's denial. 
If this is happening with other customers, the company stands to make tens of millions of dollars of illicit profit.
Product: Debt collection

Based on your company feedback : " XXXX XXXX XXXX XXXX is in receipt of the consumer 's complaint. According to our records, we previously mailed itemized bills to the consumer in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In addition, our company has ceased all communications per the consumer 's request as of XX/XX/XXXX. Unfortunately, NRA Group LLC is unable to open the consumer 's attachments due to the nature of the files. '' You are in fact now knowingly and willfully in violation. Pursuant to 15 USC 1693n-Criminal Liability : ( a ) Violations respecting giving of false or inaccurate information, failure to provide information, and failure to comply with provisions of this subchapter Whoever knowingly and willfully ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose by this subchapter or any regulation issued thereunder; or ( 2 ) otherwise fails to comply with any provision of this subchapter ; shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 

On XX/XX/XXXX, National Recovery Agency removed 3 accounts from my XXXX and XXXX. They failed to removed account from my XXXX. After months of requesting validation, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I sent an affidavit of Truth! They were not able to provide such validation, Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g. 30 days is given to investigate or respond to said request for debt validation. I did not receive validation, but accounts were removed from XXXX and XXXX only, after several attempts of requesting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted documentation to Experian under the debt bondage repair act as I am evicting of human trafficking. I have some accounts on my credit report about directly related to the crimes committed against me. I submitted sufficient documentation under the law. The investigator has been attempting to contact people involved with myself attestation. They have not confirmed any information and will not do so as I have asked them not to. Experian does not have a right contact anyone under the law as it is written for confirmation.. nor am I required to give details of what is happening against. Experian is violating my rights.
Product: Credit card or prepaid card

On XX/XX/20 I received an email message letting me know that Citibank had a " Decline of card request '' message. I tried for days to call, the XXXX number was hanging up every call, and chat was disabled. I posted on XXXX and followed the company so they could direct message me. It took a couple of days for them to reach out to me, and let me know that the account was 'mistakenly closed by our agent '. No one from Citibank reached out to let me know that the account was being closed, and to date, nothing shows up on the app that I use ( Citi ) to monitor the account, and my limit still shows {$2700.00} ( I can provide screenshot ). 

I did not close the account, and the letter to notify me that I needed to take action was sent only in paper form and the email to tell me that the requests for the card was declined hit my email inbox 5 months after the agent made the error to close my account. I have never been late for any payment, and the account was in perfect shape when it was closed without my knowledge or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was some fraud made on XXXX as someone tried to make accounts under my name. XXXX said they would tell XXXX  to remove the following the hard pulls as I did not authorize them. XXXX also said they would remove them. Both companies have nothing removed them and they are still on my file. 

XX/XX/XXXX, 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 have refused to pay the debt on any of these collection accounts and in pursuant to 15 USC 1692 ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. Also, in pursuant to 15 USC 1692 ( g ) only the original creditor can validate a debt and that is me. The companies who have violated these consumer laws are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXXXXXX XXXX
Product: Debt collection

I submitted a complaint against this company case number  XXXX  the garnishment was stated to be with drawn by them and it is still in place.
Product: Checking or savings account

XXXX {$20.00} overdraft fee XXXX {$20.00} overdraft fee XXXX {$20.00} overdraft fee XXXX {$20.00} overdraft fee XXXX {$20.00} overdraft fee Navy Federal Credit Union has been charging these overdraft fees illegally once the money has come out of our account. Being that Im an XXXX XXXX XXXX XXXX XXXX and this has happened to tons and tons of us as well. Its disappointing to see. I have let Navy Federal know this for a long time and nothing has been done. Im glad to see someone is doing something about it.
Product: Vehicle loan or lease

I have a used 6 year auto loan ( account no. XXXX XXXX with Santander Consumer USA that I have made 34 consecutive monthly payments of {$250.00} on through XXXX/XXXX/XXXX. I purchased the car, a XXXX XXXX XXXX XXXX with XXXX miles, from XXXX XXXX in XXXX, MA and Santander Consumer USA was the only lender XXXX said would give me a loan. I was told by XXXX XXXX that this was because I had a poor credit score at the time of my application. The interest rate Santander was willing to finance my loan at was 19.07 %. Although, I believed this rate of interest was exhorbitant, unfair and a higher finance rate than I could afford, I agreed to accept the loan offer from Santander because I desperately needed a car to get to and from work. Furthermore, I only wanted to finance the car over 4 years because the car already had XXXX miles on it as I mentioned earlier. However, because the financing rate offered to me by Santander was so high I was forced to finance the car over a 6 year term to make the payments somewhat affordable. 

The car is no longer drivable due to a blown engine when the car overheated on XXXX XXXX and the car had in excess of XXXX miles on it. My mechanic at XXXX XXXX on XXXX XXXX XXXX in XXXX XXXX, MA told me the cost to repair the car far exceeded the current value of the car. My insurance company XXXX XXXX told me that the damage to the car was not covered because it was a result of mechanical failure, not an accident. 

My original loan on the car was for {$10000.00} and I still owe about {$7400.00} as of XXXX XXXX. The car is still registered with minimum insurance on it with plates. I called Santander in late XXXX of last year and tried to negotiate a lower interest rate with them and they refused. I asked if they would accept a lump sum payment in the {$3000.00} range as payment in full on the loan and they refused. They kept saying I signed a contract and if I did n't continue to pay the loan according to the original loan terms they would send my loan to collections. I can not afford to continue to pay {$250.00} per month on my loan plus insurance and registration and excise tax fees for a car I can not drive. I have a permanent XXXX and I receive XXXX XXXX  XXXX XXXX ( XXXX ) as my primary source of income.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attached Files... .I am a victim of identity theft. I have made NUMEROUS disputes with Transunion regarding fraudulent accounts being reported to credit report. I have grown tired of having to repeatedly dispute the SAME accounts as identity theft. Somehow Transunion has managed to " verify '' these accounts but won't tell me how they were verified which is my right by law. How is another company going to tell you I'm me?? Furthermore, the accounts that are reporting to my Transunion credit report are NOT being reported by the other two credit bureaus. So Transunion were able to " verify '' them but XXXX and XXXX couldn't?? Were SEVEN accounts somehow reported to ONLY Transunion and not XXXX and XXXX??? Please remove these fraudulent accounts from my credit report as they are not mine and are a result of identity theft. I have attached relevant documents including the consumer reports for both XXXX and XXXX showing proof that they are not reporting these accounts. By law, all credit reporting must be accurate and consistent. I look forward to your response.
Product: Vehicle loan or lease

So I reached out to Pen Fed several times I sent on a 1099 a acquisition ofAbandonment of secured property which includes home, car, etc.To which they accepted they never sent it back and denied it and I have requested a 1099C cancellation of debt to which they refuse.All of my accounts with this credit union is backed up by the US treasury to which these accounts are already paid for and Im making double payments which is against the law these accounts are affiliated with XXXX XXXXXXXX.These accounts have promissory note which the definition is note is a financial instrument that contains a written promise by one party .the notes to maker or issuer.to pay another party, the payee a definite sum of money either on -demand or at a specified future date. I Request a 1099C cancellation of debt for all accounts affiliated with this institution personal loan Closed and paid forand automobile loan a lien release free and clear.And to have all of these accounts removed off of my personal consumer report from all of the credit Bureau
Product: Credit reporting or other personal consumer reports

The following trade lines reflect transaction history which is illegal, per 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX - {$1000.00} XXXX XXXX XXXX - {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$760.00} 15 USC 1681 states that Congress made findings that credit reporting agencies : exercise their grave responsibilities with fairness, impartiality and a respect for the consumers rights to privacy.

15 USC 1681n discusses willful non compliance and liability.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, Equifax, and XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account Name : XXXXXX/XX/XXXX Account Number : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX