23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I dont know who this is but this person is calling all my family members making threats and then left a voicemails taking crazy and making threats to come to my home and insulting me. This is the voicemail in text below : XXXX XXXX XXXX female if this is not you you want to disregard the phone call because it does contain very personal and private information this is XXXX XXXX I'm calling you once again letting you know that you were given an opportunity to call the office handling your claim for whatever reason you're deciding to not do so please no ma'am and understand that the matter is only going to escalate to additional levels whether I serve you or not I don't have any time for games you're XXXX XXXX XXXX hanging up the phone is not gon na make this matter go when you were normally make it resolved so what I do suggest you do is get into contact with the office or be present at the residence when I do arrive to XXXX or XXXX to deliver you your documents is not gon na go anywhere so the smart thing what to do was either validate if your home to receive them or get us a contact with the office regarding this matter and once again this is for XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX this is going to be the final attempt of me getting it direct contact with you I don't have time to play
Product: Credit card or prepaid card

Hello sir my name is XXXX XXXX XXXX and On XXXX XX/XX/XXXX i applied for XXXX Baroda credit card on XXXX XXXX they opened it but didi not say that its activation charge are XXXX that not a major problem on XXXX XXXX i made a payment on XXXX that got failed but XXXX charged in credit card did not reversed till now also when i using my card they unfortunately blocked my card when i contact them they says you have called and request for card blocking and this will not unblocked you have to replace your card with charge XXXX also that is not a major problem. I have made advance payment of XXXX rupees in advance and i closed my credit card on XXXXXXXX XXXX XXXXXX/XX/XXXX and i mailed them from XXXX XX/XX/XXXX but till now they have transferred just XXXX of my advance payment in my bank account. Such a worst experienced i faced from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX XXXX, I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Checking or savings account

There are serious problems customers face accessing their online information at Northern Trust. Twice this year, I was locked out despite not changing my UserID or Password. Each time, the bank 's online reset password did not work. Each time I called customer service and was met with great difficulties. The bank sends a temporary password of between 40-50 characters, which can not be copied and pasted, but must be manually written down and then typed. The first time it took multiple tries with customer service with ever new temporary passwords. The whole process took about 30 minutes. More recently, on or about XX/XX/XXXX, again - for no reason - I was locked out of my account and was blocked from resetting my password. Again I called customer service. Spoke with female XXXX XXXX who sent me new 40-50 temporary passwords - none of which worked. I asked her to reset my password, but she refused. I asked for a supervisor. After a lengthy wait, XXXX XXXX came on and claimed to be a supervisor. But, in fact, she is a front-line representative answering initial calls. Again, the temporary passwords did not work. I complained about the overly lengthy passwords. She responded that many other investors have the same problem, but could not provide to me a shorter and working password. She said that she could not help me, that I must keep trying with 40-50 characters. Then, in a setup, she asked me which browser I use. I responded XXXX XXXX. She lied by saying that XXXX XXXX is not compatible with XXXX 's system. I responded that in previous years I successfully used XXXX XXXX without being locked out. She had no answer. After about a full hour I gave up - not being able to access my account online. Thus, I called Northern Trust, XXXX 's servicing bank. I tried to reach XXXX XXXX, CEO. I was put into the voicemail of XXXX XXXX. I left a message describing the horror of Northern Trust 's anti-consumerr system. Subsequently, XXXX XXXX called me saying that the was the Vice President in charge of the account processing. He claimed to be horrified that 40-50 character passwords were being sent to investors. He claimed not to know this. He got back to me on XX/XX/XXXX and said that the bank 's contractor was reducing the passwords to 8 characters. He said someone would call me. XXXX XXXX eventually called me, but she was once again a total disaster. These new temporary passwords did not work either. She said that the only thing to do was to keep sending me temporary passwords, that no one else do anything to give me access to my account. After more failed efforts, I stopped and called XXXX back to report the situation. He did not have the courtesy or decency to return my call. So, I can not go online to do anything which the bank will not allow me to do via telephone. Northern Trust and its CEO XXXX XXXX have no interest in the problems they have created for its customers. The bank should be fined and XXXX should resign.
Product: Checking or savings account

My Ally bank account was frozen on XX/XX/XXXX for an investigation concerning suspicious activity. I've called on XX/XX/XXXX for an update, and they didn't give me any information besides that the account will be opened again once the investigation is over. 

I got an e-mail on XX/XX/XXXX from a credit card with that bank account as autopay, saying that they were informed the account is now closed. I have not been updated or contacted by Ally at all about this. There's currently XXXX in my savings account that I can not access.
Product: Checking or savings account

Hi, I am very sick and have been getting XXXX from Ca. until I get a XXXX XXXX. My benefits were due to run out on XX/XX/2023. I called to ask if they could be extended as we wait for my XXXX. I filled out the form as they instructed me to do. I found out that they froze my account on XX/XX/2023. I can not work, pay my rent or buy food let alone XXXX! Every XXXX on that XXXX account was all that I have to survive until I get a XXXX XXXX XXXX. I've gone into the bank for hours with the manager and told BOTH by Bank of America and XXXX that the other one closed it. 

Please help me!
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 XXXX XXXX XXXX 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 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: Payday loan, title loan, personal loan, or advance loan

Cfpb closed my new complaint dated XX/XX/XXXX this is not a duplicate complaint this is a new complaint for another account at Titlemax at another location I have had this account since XX/XX/XXXX and my payments are {$190.00} monthly and I am nowhere close to paying off this loan and I have paid in a total of {$14.00}, XXXX and XXXX threatened to repossess my vehicle in XX/XX/XXXX I can not afford to keep paying on this account the original loan is nowhere close to what I have already have paid into this loan to Titlemax and the pay off amount originally was {$1700.00} I have given them XXXX, XXXX dollars for over XXXX years this is not fair to keep taking my money from me they're clearly taking advantage of me please help me to end this cycle of unethical practices. Remember this is a new complaint for Titlemax at another store in XXXX under the same name XXXX XXXX Thank you.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge Off : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I asked for them to stop sending me things and to remove the debt off of my credit report because one the debt is over 20 years old and they are reporting it as a new account and two I do not have knowledge of the debt. They in turn continue to call me all the time email me as well as send several notices in the mail.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

There were unauthorized charges to XXXX with my debit card account number, therefore, I contacted my bank, closed the card and was authorized a new card. A few days later there were more XXXX charges to my account. Someone had used the new number without authorization. I do not have any type of account with XXXX and do not want anymore unauthorized charges. 
XX/XX/22 XXXX XXXX {$57.00} XX/XX/22 XXXX XXXX {$78.00} XX/XX/22 XXXX XXXX {$44.00} XX/XX/22 XXXX XXXX  {$59.00} XX/XX/22 XXXX XXXX  XXXX Key Bank is currently investigating this but the only action they have taken so far is closing out my debit cards. XXXX needs to stop charging my accounts since I do not have any accounts associated with that company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing a specific account " XXXX XXXX " with Transunion for some time now. I've requested their Method of Verification since XX/XX/2015. I've sent over 5 certified letters regarding this collection as well as the original creditor. 

XXXX XXXX, the collection agency, has failed to provide any documentation showing this account belong to me. In addition, Transunion states they continue to 'verify ' this information. I've requested how were they verifying and was told over the phone from a representative that they verify electronically. How is that so? And what does that have to do with the FCRA 609 ( a ) ( 1 ) ( A )? You must provide me with physical proof, which is the original signed consumer contract with my signature on it for this account. That's your job as a credit bureau to obtain this from the collection agency.

Moving forward, I've reached out to the original creditor as well and sent them numerous FCRA 623 certified letters.. To begin with, they have NO WEBSITE, ARE NOT XXXX   ACCREDITED, AND DO NOT RESPOND TO PHONE CALLS ... HOW ARE YOU GUYS VERIFYING THIS ACCOUNT THEN?! I don't even know who these people are, however, what I do know is that every business and reporting entity should be able to be found on the internet! " XXXX XXXX   XXXX XXXX, XXXX '' is not an established entity who can provide any documentation as to who they are or how they have my information. 

I have informed Transunion about THIS AS WELL, and have investigated repeatedly as I currently am, and they refuse to give me a PROMPT response with required documentation. However, they continue to report this account while failing to provide any method or form of verification. ILLEGAL!
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled 5 accounts 2 Citibank 1 XXXX XXXX 1 XXXX XXXX 1 XXXX XXXX I continue to submit information to XXXX online. Along with documents of settlements and payment being received on XX/XX/2019. The if information has not been removed from my credit report. 

Also. The XXXX XXXX Card Account belongs to XXXX. My initials are XXXX.. The has an account in which they sold to XXXX XXXX XXXX. They are saying {$4000.00} was written off & I still owe {$1800.00} the Amount owed continues to increase. I dont understand how this is possible. XXXX XXXX XXXX can not be reached. XXXX removed the account but XXXX is not attempting to investigate even though I provided information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffere
Product: Mortgage

I have 2 grievances with Citibank. 

1 ) I applied for a mortgage refinance with a cash-out option at the end of XXXX, with Citibank. I sought an amount of XXXX cash-out on a Single Family Residence ( SFR ) valued at approximately XXXX with an existing loan pay-off of XXXX. XXXX While my estimate of SFR value at the time of the application was XXXX, the difference in the 2 amounts is not at issue here ). 

At issue here is this : Today, XX/XX/XXXX was the first time that I was advised by Citi that the current maximum amount of cash-out during refinancing is {$250000.00} -- which is their a policy that, reportedly, went into effect as a risk management step during the early part of XXXX when COVID-19 became a global pandemic. 

My grievance is that 2 months had gone by since the application was started in XXXX, and at no time was this limit ever disclosed to me until today, XX/XX/XXXX. Furthermore, it is NOT published anywhere on Citi 's public-facing websites or documents provided to me. 


2 ) First point notwithstanding, also today I was advised by receiving a copy of an updated loan estimate, advising me that my loan application would no longer reflect XXXX ( ZERO ) points. Instead, it would reflect 0.625 % points with no written justification! 

I am concerned, and, frankly, baffled how a bank of Citi 's stature can provide a document ( attached 2 versions ) with a silently-updated point value as compared with XX/XX/XXXX XXXX when it had been 0 % ), whilst AT THE SAME TIME act illogically and sow confusion, knowing that their cash-out amount can not exceed XXXX! 

No such limits are published on Citi 's website nor were communicated in any of direct communications to me, the applicant. Being of material nature this information is crucial. Lack of such transparency and failure to make this guideline known has contributed to valuable time being lost by my family in pursuing a seemingly unattainable outcome. 

I am requesting a review of this matter by an unbiased individual ( or group of individuals ). I welcome learnings and feedback if my understanding and expectations have been unreasonable.
Product: Vehicle loan or lease

when the vehichle was originally picked up for repo Santander offered to return the vehicle upon payment of the past due amount and applicable fees, which was done the day following the vehicles repossession. after checking my credit report 30 days later the account showed as charged off/ closed by creditor. when i contacted Santander about this inaccurate status i was informed it would remain that way until paid in full. i was unable to attain any movement in all attempts to correct this.
Product: Credit reporting or other personal consumer reports

I am writing to express my utmost discontentment with the continued existence of fraudulent accounts on my credit report. Following the reporting of this identity theft, I contacted the company related with the fraudulent accounts. While they confirmed the validity of the report, they stated their inability to provide records. However, they assured me that the fraudulent accounts would be instantly abstracted. Both XXXX and XXXX have already removed these accounts from their records after distinguishing and rectifying an error. I am at a loss by your confirmation of these accounts when the other bureaus have already removed it. Please delete these accounts from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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: Mortgage

My mortgage provider has not paid my insurance from escrow. this happened all last year, payments/ refunds. I have since gotten a new insurance and keep saying they have mailed a check, we have called given the an over night address and it still has not been paid. YET, my escrow is in the negative and my mortgage payment has increased almost {$400.00} since they started servicing my loan. This company is an LLC and i have read so many more problems people are having with them
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 instruction
Product: Credit reporting or other personal consumer reports

to my consern iam writing to request the removal of unauthorized credit inquiries on my experian credit report my latest credit report shows 12 credit inquiries i did not authorize XXXX  11 credit inquiries i did not authorize
Product: Credit reporting or other personal consumer reports

Transunion and XXXX continues to report an account that should be removed. The XXXX account is too old to report. The account went into default in 2017 making it too old to report. I reached out to XXXX XXXX and requested a copy of the account payment history. They advised that they no longer have this information after an account is paid off.
Product: Credit reporting

this company is been reporting on my credit report for so long, XXXX needs to be removed its been on my report since 2010 and based on the law it should be removed for my report. this account is preventing me from providing a better housing for my family.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # 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 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 XXXX 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: Debt collection

Approximate XX/XX/2018 a loan was secured in my name for {$1500.00} this loan was given with the promise of 90 day interest free dues to excellent payment history. After 30 days my account was being debited for amount s that was excessively more that what I was sold. I was put in financial hardship due to the collections practices & the unwilling to resolve matter. I was turned over to a collections agency who then inflated the amounts owed by almost 45 % of loan amount without being in default of original agreement. This collections agency ( XXXX ) repeatedly violated my rights as a consumer, contacting family members, divulging false information and threatening me impersonating civil service officials.