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

This is my XXXX time submitting a complaint please help me!!!! 
I will be taking this to court and suing the credit bureau Ive been disputing these fraudulent accounts with experian, XXXX, XXXX for a whole year i want to sue them at this point because theyre the reason i cant get a house or car someone fraudulently open these accounts under my info Ive filed police repost and identify theft report and they have yet to remove these XXXX i will sue!!! Please help me i am a victim of fraud this is illegal to still be reporting inaccurate information they are discriminating me because XXXX a XXXX! I will not tolerate discrimination Fraudulent Accounts below! 

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/2020, I sent a letter to Transunion to verify 5 of my accounts. 
I requested original documentation ( A contract with my signature on it. ) I received a letter by Transunion on XX/XX/2020, 37 days later, stating once again that my accounts have been " verified ''. this is my 5th letter that i have sent the credit bureau, all of my letters I send via certified mail. I have dates and copy 's off all the letters that i have sent them. this is the second time they have replied to me past the 30 days mark, with none of the documentation that I have asked of them.
Product: Debt collection

I received a letter from Caine & Weiner that still didn't include the itemized statement I requested explaining why I owe the money they say I do. Based on my records, i don't owe this. I'm refusing to pay this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous letter, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  CA, XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Bankruptcy XXXX  XXXX Date Filed XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} Bankruptcy XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXX
Product: Credit card or prepaid card

XXXX XXXX Credit Card through Comenity Capital Bank. 
This card was opened fraudulently by my ex-wife ( without my permission ). She charged over {$2000.00} right away. I tried to keep up the payments when we divorced but the finance charge of 30 % and the monthly penalty charges made it impossible to make any advance on the balance. The bank has more than doubled their investment and all the balance is now is finance charges and late fees. I feel this bank is a " payday loan '' facility in the astronomical charges and fees. I tried to work out a deal with a flat fee and they are not interested. I feel this company needs to be investigated. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe the company, First Progress, has committed several individual actions that violates my rights as a Federally Protected Consumer. First, the account is reporting without my consent Pursuant to 15 USC 1681b. ( a ) Permissible Purpose. I have never given written or oral consent to furnish accounts or use my credit report for any reason. This by lawful definition is Identity theft. Second, Pursuant to Regulation Z & 15 USC 1666b. Timing of Payments, First Progress is inaccurately reporting late payments to my consumer report that can not lawfully be deemed as a late payment for any reason. Furthermore, Pursuant to 15 USC 1666d. Treatment of credit balances i am owed a refund from this consumer credit transaction. 12 CFR 1026.13 further explains the billing error violation committed by First Progress. Additionally, 15 USC 1692f ( 1 ) Unfair Practices states the collection of any amount ( including interests, fee, charge, or expense incidental to principle obligation ) unlessed authorized by agreement OR permitted by law is a violation. 

XXXX has deemed this account as verified, however who verified this account?
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.

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

My mortgage was transferred to Freedom Mortgage prior to the first payment. The first payment was due on XXXX XXXX XXXX. We paid the amount due for XXXX on XX/XX/2023. On XX/XX/2023 I was advised by email that Freedom Mortgage had not paid the insurance the insurance would be cancelled if payment was not made on that date. I called Freedom Mortgage and spoke with XXXX XXXX. She acknowledged that payment had not been made and said she could remedy the problem by making a credit card payment to the insurance company. She advised that there would be a 2.99 % charge on the credit card which amounted to {$120.00} and that amount would be billed to me and added to the principal. 
I have done everything correctly under the contract and should not have to absorb a cost due to their incompetence.
Product: Student loan

XXXX and Navient have been the services on my student loans. They have misapplied payments across my accounts which caused several to default, never fully disclosed all the options available to me, guided my towards forebearance instead of other plans and have ruined my credit. I 've had loans since around XX/XX/XXXX and only heard about consolidation and/or other payment options in XX/XX/XXXX from one of the collection agencies that called me. It was n't until I initiated the consolidation and payment plan process that Navient ever worked with me.
Product: Vehicle loan or lease

My original car loan was with Suntrust who was bought recently by Truist. I refinanced this loan with XXXX  XXXX  XXXX XXXX. The current lien holder, XXXX  XXXX XXXX, has submitted payoff information multiple times to Truist. We do not hear back or see any updates in the status of the lien release. Every time I call Truist they do not know how to handle my request for a lien release. Its an hour hold time each time you need a representative. I dont think its fair to devote so much time to get a representative who is unable to help. I have had multiple calls where I have been transferred to other departments where you then have to wait on hold for another hour. I have been transfered to internal departments who then refuse to help because quote " your on an internal line ''. Which is essentially a line they are using to get you off the line. I feel like no one is willing to help or go the extra mile. At this point I'm paying two car payments. This loan I'm writing about is for a car that has since been totaled in an accident. I can not get the loan payment by the insurance company until this title issue is resolved. Suntrust is so bad they dont even have my correct address. I know this because they said they mailed the lien release to my old Texas address not even to the current lien holder. Which should be a no no! Why would i get the lien release sent to me I wasnt the one who paid off the loan it was XXXX XXXX  XXXX XXXX. I've given multiple opportunities for Suntrust to update my address. Supposedly the refinance request was confirmed closed with Truist on XX/XX/XXXX. If thats the case I want to know why XXXX XXXX XXXX XXXX hasnt received it yet. 

Listed below are some of my calls XX/XX/2022 XXXX XXXX pm XXXX hr XXXX minutes XX/XX/2022 XXXX XXXX pm XXXX minutes XX/XX/2022 XXXX XXXX pm XXXX hr XXXX minutes XX/XX/2022 XXXX XXXX pm XXXX minutes XX/XX/2022 XXXX XXXX am XXXX hr XXXX minutes
Product: Mortgage

I have a mortgage with Suntrust. It originated with BB & T, but is now serviced by Suntrust ( Truist ). Originally, my wife and I were co-borrowers. Several years ago, my wife and I divorced. She relinquished all ownership rights to me in the divorce and now the title/deed is in my name exclusively. Earlier this year, my former wife filed bankruptcy and included this mortgage. I continued to pay the mortgage just as I always had. I called Suntrust 's bankruptcy department on three occasions as the bankruptcy was in process. On all three occasions, the representatives told me to simply continue making the payments and once my ex-wife 's bankruptcy was discharged, Suntrust would remove her name from the account if I would call and request it. The bankruptcy was discharged in XXXX. In late XXXX, I called to make this request. The bankruptcy department told me that a different department would have to make that change. They transferred me to the " appropriate '' department. The representative in that department first told me that it was impossible to remove her name from the account. After arguing with me about it for 10 minutes, he finally told me that I must refinance or assume the loan. He transferred me to someone else that could explain the assumption process to me. This third person went on to tell me yet again that the only way Suntrust would remove my ex-wife 's name from the account is through a refinance or an assumption. She recommended that I do an assumption, but I would have to pay closing costs. At that point I stopped her and reminded her that with my ex-wife 's bankruptcy being discharged, it is now impossible for Suntrust to attempt to collect from her. So in essence, I had already assumed the loan and I was not going to pay to have the name of a " collection-proof '' individual removed from the account. And moreover, there is no " closing '' to be done since the title/deed is 100 % in my name now. The representative went on to say that Suntrust would not proceed without me paying these closing costs. 

This is in direct contradiction to what all three of the representatives working in the bankruptcy department told me, and in direct conflict with logic and reason. 

Also, the way they are reporting this debt on my credit report recently has lowered my credit score materially in spite of the fact that the bankruptcy has nothing to do with me and absolutely no payments have been late. 

I want Suntrust to do what I was told they would do and remove my ex-wife 's name from this account. I also want Suntrust to change the way they are reporting this account to the credit bureau ( s ) to return my score to what it was prior to Suntrust taking over this loan from BB & T.
Product: Credit card or prepaid card

On XX/XX/XXXX, I overpaid Costcos Citi Visa card by {$20000.00}. I have desperately worked to get this money back from Citi Bank in order that I can pay XXXX XXXX instead. I have been delayed, lied to, delayed again and put off. 

Meanwhile, XXXX  XXXX is charging interest on this amount which I actually owe to them. Citi claims they cut a check to me finally on XX/XX/2023. I should have had it by yesterday at the latest and of course I do not. They sent through snail mail. I asked them yesterday to send it electronically which takes 2 days. 

They said they can do that but it will take another 7 to 10 Business Days to do that which we all know is a bunch of BUNK!!!! 

They are using my money and dont want to send it back to me. I can see on XX/XX/XXXX where they backed the money out of my account but I still dont have it. Meanwhile XXXX XXXX is charging interest on. This money that Citi refuses to return to me Will you please light a fire under Citi Bank and force them to return my money AND PAY THE INTEREST Im being charged at XXXX  XXXX? 

I appreciate all help you can give me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with XXXX XXXX XXXX from XX/XX/XXXX and paid the loan off in XX/XX/XXXX. I paid the monthly payment of XXXX every month on the same day for the entire time I had the loan until it was paid in full. However, on my credit report, XXXX XXXX reported I was XXXX late on the XX/XX/XXXX payment and 30 days late on the XX/XX/XXXX payment. 
Since this loan was on auto-pay, it was paid on time and monthly payments were always made. I only recently discovered they reported incorrect information to XXXX, Equifax, and XXXX as I am dealing with another problem affecting my credit. The credit agencies have been all but impossible to deal with. I've spent hours on the phone and with supervisors, the same with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo whom it may concern : ** I am writing to dispute several reinserted items on my credit report. According to 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), you are required to notify me within five ( 5 ) business days of reinserting a previously deleted item. I did not receive any such notification. The items in question were previously deleted as confirmed by your responses to my disputes. Please delete these items immediately or I will be forced to take legal action. Below are the details : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ** XXXX - **Date of Deletion : ** XX/XX/XXXX - **Report Number : ** XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ** XXXX - **Date of Deletion : ** XX/XX/XXXX - **Report Number : ** XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX : ** XXXX - **Date of Deletion : ** XX/XX/XXXX - **Report Number : ** XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX : ** XXXX - **Date of Deletion : ** XX/XX/XXXX - **Report Number : ** XXXX I am also formally challenging you to review your data on file for me! I insist that you comply with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681i ) and Metro 2 compliance standards to ensure the accuracy of the information reported about me. I also request that you remove any and all false accounts from our records immediately! Only factually accurate, verified, and compliant data should be documented and included on my credit report from now on. 

Below is a summary of the data I am challenging : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} The information listed above has not been verified to meet compliance reporting standards or applicable consumer laws. I demand that this information be deleted immediately, as it is deficient. 

Please send your written response to my address at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

SincerelyXXXX XXXX XXXXXXXX
Product: Mortgage

I have been trying to close on a refinance since XX/XX/XXXX with Bank Of America. Today is XX/XX/XXXX and still dealing trying to close. What I thought would be a quick and smooth transaction has become my worst nightmare. My XXXX XXXX has been up every single day because of the stress of having to deal with this ordeal. I have a car loan with them so I thought this would make things even easier since I am an exemplary customer but in the contrary it has been the WORST possible process I have ever dealt with. So much that I do not recommend anyone to do business with them EVER. I have felt so badly mistreated that I feel there is something else happening. I have over XXXX credit score, I make well over XXXX, my credit to earning ratio is also low so why all the mistreatment? I almost felt this was because I'm XXXX doing better than the average person. Underwriting process was horrible I was being scrutinized by something like a XXXX payment like if I was a criminal. I would provide evidence of all transactions via my banks tool on the website, It was not enough for them I created PDFs, snapshots everything imaginable until it was finally accepted. Then Proof of work I used my companies HR tool that generates an official letter regarding a process an employee is going thru. We'll this was not good enough for them they had me get someone from HR ( HRs direction was to use their tool XXXX  because that's what everyone uses and accepts ) to physically talk to them and verify that I did work for the company. As if HR has the time to be doing this for each employee? I thought this was 2021. After that was done I thought I would finally be done with all this. but that's not the case It has taken so long I had to once again provide bank statements after that I had finally gotten a date for the notary to come out to the house and sign all documents, which it happened notary came out I signed what had to be signed and praised the lord that it was over. But that was not it. to my surprise now my wife needs to sign even though she's not in the loan. Something about it the law in Texas that she has to sign for the title. So fine I'm ok with that should be something quick right? we'll not according to Bank of America. New set of closing disclosures have been provided which I though would be the same since I had already singed them and we just need my wife to sing just for the title since she has nothing to do with the loan. but to my surprise the loan amount has increase and cash to close has also changed XXXX. So now I'm once again in the Limbo my monthly payment was due on the previous bank I did not pay it because the payment would now come in the new mortgage but since we still haven't closed I have no clue now were I stand. The only help I have really received has been by my loan advisor ( he should think about changing companies ) he has tried so hard to help me close this out but something some other people are just a roadblock
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about the XXXX XXXX XXXX  initiated on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX With ( Navy Federal Credit Union ) executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any form information in any for.

The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing. 

In the above-mentioned XXXX XXXX XXXX , without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e. XXXX, XXXX & XXXX ). 

According to 15 USC 6809 ( 4 ) ( A ). The term nonpublic personal information means personally identifiable financial information 1. Provided by a consumer to a financial institution.

2. Resulting from any information with the consumer or any service performed for the consumer ; or 3. Otherwise obtained by the financial institution.

Further, pursuant to 15 USC 6809 ( 5 ) the term nonaffiliated third party means any entity that is not affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

Therefore, as per the literal interpretation, the organization named XXXX, XXXX, XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802.

Navy Federal Credit Union has still violated the provisions of FCRA ( Fair Credit Report Act ).

Under USC 1681a ( d ) ( 2 ) ( A ) ( ii ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control.

Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ), states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons.

Therefore, your Company ( Navy Federal Credit Union ) has not only infringed my right to privacy but also violated multiple Federal Laws.

I hereby request you to remove the below-mentioned information from my Consumer Report ; 1. Late Payments 2. Charge off etc.