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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

RE : XXXX Loan -- -originated through XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) Now : Fay Servicing XXXX for XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX Tn XXXX ( for mailed payments ) XXXX XXXX XXXX, XXXX XXXX Illinois XXXX XXXX ( for automatic pymts -- -but never was able to get them to recognize the loan number ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Illinois, XXXX ( escrow/impound account ) XXXX XXXX Fay Servicing has changed their website that required me to re-register... which I have done. Now, sometimes it recognizes my login and sometimes it doesn't. There is no option indicated for making a payment or setting up automatic payments. When my mortage was transferred to Fay Servicing ( several years ago ) I was never able to successfully set up automatic payments from my credit union. It kept replying that my loan number was not recognized. Not even the customer service rep at Fay Servicing was ever able to figure out why it wouldn't recognize the loan number. Ever since then I've been going online to make my payment each month. Now I can't even to that and it is impossible now to get a live customer service agent. I'm very concerned about how I'm going to be able to make a payment on XXXX XXXX, XXXX. I have tried mailing my payment in the past, but the payment was late by the time they finally processed it. I don't want to be paranoid but, because making a payment is so extremely difficult, I'm beginning to wonder if they'd prefer I default, or maybe they want to force me to refinance my loan (?? ). I've received and annoying number of phone calls from XXXX XXXX about refinancing my loan. Please help me set up automatic payments from my credit union. 

Thank you so much for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex husband and I purchased a vehicle that was originally financed through XXXX XXXX XXXX in XXXX of XXXX - the loan on the vehicle was sold to SANTANDER CONSUMER USA in XXXX of XXXX. Our loan was paid on-time with no late payments for the duration of the loan and shows as such with both companies on my credit report. 

On XX/XX/XXXX of XXXX the vehicle was in an auto accident that resulted in the car being totaled out by our insurance company. The vehicle was deemed a total loss by the insurance company on XX/XX/XXXX. 

The insurance company, XXXX issued a payment to SANTANDER CONSUMER USA for in the amount of {$1900.00} on XX/XX/XXXX. Which covered the balance owed on the vehicle - the remaining {$8700.00} of the value of the vehicle was paid to us, which was used to purchase a new vehicle. 

SANTANDER CONSUMER USA reports this account on my credit report as being 30 days past due in XXXX of XXXX, 60 days late in XXXX of XXXX and 90 days late in XXXX of XXXX - long after they had received final payments from the insurance company for the balance on the loan in XXXX of XXXX. 

I have tried disputing this with all of the credit bureaus. SANTANDER CONSUMER USA refuses to fix this error and remove the erroneous late payment marks off of my credit report.
Product: Credit reporting or other personal consumer reports

In my credit report, there are inquiries that I never authorized, constituting fraudulent activity and a breach of my privacy rights. Please take immediate action to remove these unauthorized inquiries from my credit report.
Product: Checking or savings account

I've spoken to several XXXX 's at Truist, including two managers explaining the following and all I keep being told is, claim denied. Here 's what happened : While looking for discount furniture on XXXX XXXX, I clicked through to what I thought was a link to a furniture website. They had an attractive price on a dresser and before I realized the site was a scam site, I had already put in my XXXX  details and pressed PURCHASE. Immediately upon realizing it was fraudulent, I reached out to Truist to advise of the circumstance ( see attached ) : this {$59.00} from XXXX XXXX  was a fraudulent merchant and I would like to dispute/have my money refunded. 
Screen Shot XXXX at XXXXXXXX XXXX XXXX. On XX/XX/XXXX, I followed up via phone because I received no written follow up, nor was there an update on my account claims status site when I logged in. I was told the matter was still pending and I would receive a follow up. 

3. On XX/XX/XXXX, I followed up via phone only to be told the claim was rejected. This is a claim that was initially reported as fraud, but I was told since I hadn't reached out to the ( non-existent merchant ), the dispute could not be progressed. This is where the bank began it's procedural failures as, it would seem, unless the initial claim fell into a particular fact pattern, the consumer can't recover ; namely consumer and merchant have an exchange *before* Truist will provide relief to the consumer. That didn't happen here because it couldn't : the merchant site was fraudulent ; there was no merchant contact available to me. Truist seems to want to deny me any consumer protection given this fact. 

XXXX. On XX/XX/XXXX, I followed up via phone again, requesting the claim be reopened. I have been defrauded. I let Truist know immediately as soon as I knew. I provided all the supporting materials I had available ( see screenshot of the email I received from the fraudulent site ) and I have been actively seeking a resolution. I received an email follow-up acknowledging my request and the CSR manager promised to follow up by phone. I've heard nothing. 

XXXX. XX/XX/XXXX, I just followed up again only to be told the re-opened claim was denied because it was longer than 120 days since the charge. Can you imagine? I'm sorry, but this is embarrassing to Truist. I've maintained contact ( see attachments ) and have been told to wait for follow-up that never came.
Product: Debt collection

I requested a debt validation under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) the debt that you claim is disputed and validation is requested. Midland company failed to provide my requested validation and continued to report this fraudulent debt to the credit reporting agencies. I request for them to provide me with all of the following : 1. what is the money the say I owe for. 
2. Explain and show me how they calculated what they say I owe 3. Provide me with all copies of any papers that show I agreed to pay what they say I owe.

4. Identify the original creditor.

5. Provide me with their license numbers and registered agents 6. Provide first date of delinquency with original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

these collection accounts ( XXXX  XXXX  -ACCT # XXXX, XXXX ACCT # XXXX, XXXX  XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX, MICHIGAN XXXX XXXX ACCT # XXXX, were removed off of one of my other credit reports because they came from identity theft with the original creditor. These collection agencies then turned and sold the debt to another collection agency, or listed the debt under another collection agency name then reported the accounts to the other two credit agencies which I know has to be illegal by law. Most of the accounts are the same just under different names
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate information on my credit report with TransUnion, XXXX, and XXXX multiple times, but the errors have not been resolved. Despite my attempts, the credit bureaus have failed to take action to correct these inaccuracies.

The issues with my credit report are as follows : Failure to Provide Documentation ( 15 USC 1681i ( a ) ( 1 ) ) : Despite submitting a dispute, the credit bureaus did not provide any supporting documentation to verify the accuracy of the reported information, as required by law.

Inadequate Investigation ( 15 USC 1681i ( a ) ( 6 ) ( B ) ) : The credit bureaus did not conduct a reasonable investigation into my dispute. No adequate efforts were made to verify or validate the information reported.

Improper Reinsertions ( 15 USC 1681i ( a ) ( 5 ) ( B ) ) : The disputed account was reinserted onto my credit report without proper validation, which violates the reinsertions protocols under the FCRA.

I am requesting that the CFPB take action to investigate these violations and require the credit bureaus to correct the errors, follow proper dispute procedures, and provide the required documentation in compliance with the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three major credit bureaus have illegally hoarded my personal information without this Consumer 's expressed written consent especially XXXX as all of my personal information was compromised in their breach. Pursuant to the 1974 Privacy Act, all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act, all three credit bureaus maliciously and collectively shared this Consumer 's personal information to make trillions of dollars by selling it to  various debt collectors, employers, financial institutions, and a host of others.
Product: Credit reporting or other personal consumer reports

I am following up on my recent complaint dated XX/XX/XXXX. As stipulated by FCRA Section 605B, Credit Reporting Agencies must remove items listed on an identity theft report. My reference number is XXXX. Enclosed with this complaint are the necessary documents to facilitate the removal of the erroneous personal information and inquiries that have appeared on my report. Below is a list of items that were opened without my consent : XXXX : XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -EQUIFAX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -TRANSUNION : XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Under FCRA Section 605B ( a ), credit reporting agencies must remove items identified as resulting from identity theft within four business days of receiving the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

That a closed XXXX XXXX account be removed from my credit report - I believe my information was exposed.
Product: Bank account or service

I opened the freedom credit card with Chase bank XX/XX/2014. I used the account once, but my account was compromised - with someone using my account at different points, once in XXXX, XXXX. The freedom credit card was linked to my checking account and Chase withdrew money to cover charges I did not make. They refunded some of the monies, but a portion is outstanding..
Product: Credit card

NET SPEND. here is the email that they sent me and I replied back and I didn't realize the return address said no reply but they replied back even though it says no reply and I don't know who they are. I don't have a Visa card. I don't have a credit card and I looked online. there's tons of complaints against them about this and there's been lawsuits against them Dear There may be a problem with your Netspend Visa, Account ending in XXXX. Please call customer service immediately at the number on the back of your card or XXXX. 

Sincerely, Your Netspend Card Team XXXX XXXX This message was sent to you because of changes, updates, or transactional activity on your Netspend Visa. We are required to send you such notifications regardless of your unsubscribe status for your protection. Please do not reply to this message. E-mail Security Information
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letters on XX/XX/22 letting XXXX, experian and XXXX know they violated my consumer rights. Under 15 U.S.C 1681 ( a ) ( XXXX ) " INFRINGED UPON A CONSUMER 'S RIGHT TO PRIVACY ''. 
XXXX sent me back a RESEARCH REQUEST FORM EXPERIAN did not send anything back. 
XXXX XXXX sent back the account been verified. 

I didn't asking for nothing back. they violated my consumer rights. 
how did they verified this account and the courts send me a letter saying they don't give out my information. This is fraud they got my personal information without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I tried to submit my dispute online with Transunion and kept receiving an error message when I hit the submit button. I then called Transunion to submit my dispute over the phone with no success as the representative disconnected the phone. 

Transunion is violating my federally protected consumer rights. In addition to that violation you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and I DID NOT give you neither direct nor indirect permission to furnish my information.
Product: Checking or savings account

I have a checking and savings account with Penfed Credit union. I received a wire transfer and a check for deposit. My girlfriend is in XXXX and ran out of money, she has no food and had to stay XXXX XXXX. The apartment people took her passport because she hasn't been able to pay rent. She asked her friend for help and XXXX was wired to my account so I could get it to her. I gave her a little money and I went ti her bank and deposited money. But because she's in XXXX it cost a lot to convert it. I also received a check that is owed to me, XXXX dollars. 
[ ] I received a phone call that woke me up on XX/XX/22. From Penfed fraud department, with XXXX on the line yelling at me, and would not listen to my situation at all ad kept threatening me and yelling about Scam. He locked my accounts and said he was going to call the account holders to verify stolen funds. I told him to verify. When I woke up later I remembered everything and called Bank. The never called anyone and told me to send prove. After calling to know how I sent prove tight away. Then I kept calling to unlock my account and they told me that fraud department went home. And my account is still locked for no reason. So I called some more and now I'm being told my account will be locked for 30 days. Why? I sent prove. Is it because thier discriminate that I'm helping my girlfriend? Or maybe because I'm a XXXX XXXX. My account is still locked and Penfed has done nothing but treat me horrible causing severe panic and XXXX episode. They ignored me completely. And my account is still locked.
Product: Credit reporting or other personal consumer reports

pursuant to12 CFR Subchapter A part 202.4 per the FCRA and also 15 U.S.C 1681a ( 2 ) a-i The term " consumer report '' does not include : Any report containing information solely about transactions or experiences between the consumer and the institution making the report, any authorization or approval of a specific extension of credit directly or indirectly by the issuer XXXX XXXX XXXX XXXX has furnished nonpublic personal information such as income and transaction history to credit reporting agencies. Such is considered income per the Internal Revenue Service Publications, Charge-offs/gains are considered taxable income, and my income is non-public personal information that XXXX XXXX XXXX XXXX has furnished without my written or oral consent to the unauthorized agencies/non-affiliates XXXX, TransUnion and XXXX. which are third party companies! In doing so they have also violated the Privacy Act of 1974 per 5 U.S.C 552a ( 4 )! XXXX XXXX XXXX XXXX has reported from XXXX XXXX XX/XX/XXXX each month of transaction history furnished within this timeframe is {$1000.00} per violation per month pursuant to 15 U.S.C 1681n! I'm willing to settle for the said account being furnished to be updated to current and as paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I received an email from XXXX XXXX that a student loan was denied and it listed TransUnion as the credit reporting agency. When I looked on my credit report I could see a new hard inquiry had been done by XXXX XXXX on XX/XX/19. I did not apply for a loan with XXXX XXXX on that date. It had me listed as a co-signer of the application and allowed me to pull up a copy of the application. It lists clearly that I had not signed nor received a request to sign to be a co-signer. After speaking with my daughter she said she started the application but didnt finish it because she didnt have my information. I contacted XXXX XXXX to dispute the inquiry. XXXX XXXX said I had to call the police and prosecute my daughter for fraud to have it removed. I tried explaining that no she had not committed fraud, the application was never signed by me and therefore was never completed and they should not have run an inquiry without authorization to do so. The person on the phone just kept over talking me and telling me I had to press fraud charges. How can they run an inquiry on my credit report when the copy of the application they sent me clearly states co-sign never signed. I didnt get an email asking me to sign or anything. It was an incomplete application and never should have been processed to begin with. The inquiry should be removed from TransUnion based on that. TransUnion will not do anything without a letter from XXXX XXXX telling them to remove it from my credit report. Im not sure who made the mistake of processing an inquiry on my credit without permission, either XXXX XXXX or TransUnion but neither will help me to resolve the issue. My daughter didnt commit fraud the application was not completed and I never signed it so it shouldnt have ever been processed.
Product: Mortgage

online not seeing how last payment posted, told then I was afraid to send next payment until I know where my money went. they just say researching. 
balance not going down it was originally XXXX, conventional fixed rate loan in 2005, now they say interest bearing. Something not right. principle basically stays the same. When I send " extra '' in the " get caught up '' they always have some fee that eats up my unapplied balance. right now at XXXX but over XXXX disappeared since XXXX.
Product: Debt collection

I have already spoken to a PayPal Credit representative and informing them that payment would be made on XX/XX/XXXX2019 ; therefore I should not continue to be harassed regarding payment. Because I did not allow them to schedule the payment via their system I have been called incessantly for days and told two other  reps that I have already spoken to a Paypal rep who was supposed to have notated that I would make payment on XX/XX/XXXX ... yet the calls persist. If this continues my next step is to contact my lawyer to seek legal remedy.
Product: Debt collection

This medical debt is the result of an emergency XXXX due to an accident, our insurance company XXXX XXXX XXXX XXXX said that being an accident they covered 100 % and that we should not be billed and recommended that we contact the hospital we did and they said it was an billing code error and they will fix it, then an collection agency placed it on my credit report, I disputed it and XXXX XXXX said they contacted the agency and that the debt collection agency said it was correct.. I am now respectfully requesting your help.
Product: Debt collection

This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages
Product: Checking or savings account

Hi, I tried opening TD complete checking with {$300.00} bonus, but it said I needed additional verification and to contact either support number or go to branch in -person. Support number said I had to come to branch in-person. 

I made an appointment for in-person appt and the guy helping me said the account would have no bonus because I am not opening the account online ( but it was impossible for me to open acct online because it said to come in person ). 

I want my {$300.00} bonus for opening my checking account, else I wasted my time and got tricked into making an appointment and coming in person. 

Thank you
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$930.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX