23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Two of my three mortgages were transferred in XXXX or XXXX of this year from XXXX to BSI Financial. One mortgage became an issue when they did not apply my payment, although I had proof of payment. I emailed the customer service email several times with no response. I continued to try to call but the hold time was so lengthy. I finally got through, spoke to a manager and the problem was resolved. Then my other account began to show past due when I had proof of payment. This account has had multiple issues for months now. I have spoken to so many managers that promise they will see the issue through to completion and then never do. I have emailed them directly, left voicemails on their personal voicemail, emailed the customer service number and never get a response. I finally found a number to get to escalations and worked with XXXX XXXX. He advised me that all of my late fees were waived, I was told to pay {$330.00}, which I did. Today I downloaded an XXXX spreadsheet and it appeared that two late fees that were charged on XXXX and XXXX had not been reversed. I called back in to the escalation department and got XXXX XXXX, who was the last person I spoke to. From the beginning of the conversation, he was condescending and rude with me, said the fees had been removed and my amount due is {$0.00}. He would not give me the opportunity to explain that I believed those fees were in the {$330.00} that I had paid to get everything on track. He continued to scream at me, stating he was " done with the conversation '' and would not listen to me at all. He kept telling me the conversation was recorded. I ask that an execuative with BSI find that recording and listen to the way this person spoke to me. After I told him I would be contacting the XXXX  he calmed down and then realized that ... I was correct that the late fees were not reversed. I can not begin to tell you how many hours I have spent trying to get my BSI account straightened out. The customer service is the worse I have seen in my 25 years of owning homes. I would like someone from the corporate office to call me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to opt out of all XXXX XXXX, Experian, XXXX pre approved credit card promos and insurance promos. My credit file has out date information listed that needs to be removed. My current address is XXXX XXXX XXXX, XXXX, OH XXXX I do not live at XXXX XXXX XXXX, XXXX, OH XXXX,XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX- I have found out that my name and credit file has been confused with perhaps another XXXX XXXX with is not my name my name is spelled XXXX XXXX XXXX . I HAVE NUMBER ON MY FILE I DO NOT RECOGNIZE. PLEASE DELETE AND REMOVE THE FOLLOWING NUMBERS : XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I am paying off a GM loan for a car I had to return due to financial hardship in XXXX. I have made every monthly payment but missed the XX/XX/XXXX- I was changing the bank account from which I wanted to pay my bills- and didn't catch the missed payment. GM sent the loan to collections The loan now shows as " Derogatory '' on my credit report. I need another car as my vehicle was totaled in an accident on XX/XX/XXXX and I'm having tremendous difficulty getting an auto loan that I can afford due, in part, to the GM issue.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal data was stolen via the Equifax leak.
Product: Credit card

I requested a 1099c from WELLS FARGO CREDIT SERVICES on several occasions. They informed me that they were not going to issue one, because they were within state law.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inaccurate account that is reporting erroneously in my file. It is not authorized to fail to validate the reporting account as inaccurate information without providing any proof. The listed account needs to be corrected for erroneous reporting in my file is listed on my credit report. 

Please fix this erroneous account : XXXX XXXX XXXX : {$830.00}
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate information on my credit report with TransUnion, XXXX, and XXXX multiple times, yet the errors persist and have not been resolved. Despite my efforts to correct the information, the credit bureaus have failed to take the necessary actions. 

15 USC 1681i ( a ) ( 1 ) : This challenges the failure to properly investigate the dispute within the required 30-day period. The credit bureaus did not complete a timely and thorough investigation.

15 USC 1681e ( b ) : This challenges the credit bureaus ' failure to maintain and report accurate information, as the disputed account remains incorrectly reported, which violates the accuracy requirements under the FCRA.

15 USC 1681i ( a ) ( 6 ) ( A ) : This challenges the failure to provide the required documentation or findings from the investigation, leaving my disputes unresolved and continuing to report inaccurate information.
Product: Debt collection

OnXX/XX/XXXX I purchased a vehicle from XXXX XXXX which had a loan that was secured by Santander Consumer USA.
On XX/XX/XXXX I contacted Santander Consumer USA to voluntarily relinquish the vehicle, as I was unable to fulfill the terms of the loan due to financial hardship. I was informed by the representative that they would contact me prior to picking up the vehicle from my residence.
I was contacted by a representative of Santander on XX/XX/XXXX. At the onset of the call the representative asked if I was still unable to pay for the car. I responded that my circumstances had not changed ; the representative abruptly ended the call without saying anything further.
I was contacted by Santander on XX/XX/XXXX informing me that the car would be picked up from my residence on XX/XX/XXXX. The car was picked up as scheduled on XX/XX/XXXX. After the car was retrieved from my residence I have not received any further communication, neither verbal nor written, from Santander Consumer USA regarding this loan.
On XX/XX/XXXX I submitted an application for housing, and to my surprise I was denied. I was informed that I was denied due to a collection account that was in excess of {$8000.00}. Upon review of my credit report from XXXX, the collection account is from Santander Consumer USA, in the amount of {$8000.00}. I have never received any notice ( written or verbal ) regarding an outstanding balance or that the account was escalating to collections.
Under the Fair Debt Collection Practices Act, section 809 states : Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different of this from the current creditor.
Based on the foregoing information I am requesting an immediate investigation of this incident and the unfair collection practices of Santander Consumer USA.
Product: Credit reporting

Pursuant to FCRA I am writing to your company today to advise you of ID Theft resulting in fraudulent accounts/inquiries on my credit, you are required to investigate any negative and/or derogatory listing which I submit a dispute on. When I have notified you of the following information the proper action has not been taken. A proper investigation has yet to take place, if this complaint is closed without proper action being taken by your company. I will seek legal means to take action against your company through the judicial process. I have sent all paperwork necessary for a dispute with Experian, including an affidavit, police report, letter from the DA, and a cover letter on which accounts I was a victim of identity theft. I mailed them US priority mail, I have yet to get a response back. The police report and the letter from the DA verified that I have had numerous accounts that had been opened fraudulently while serving in the US Military. There have also been countless inquiries considering the accounts/inquires were opened and or requested without my knowledge or consent FCRA requires them to be removed within 30 days. If this is not done it is punishable { {$2500.00} } per offense. I will seek the maximum allowed by law if the following accounts/inquires are not removed within 30 days for receipt of this complaint. First I want to address the is the collection account XXXX from XXXX XXXX. Second I would like to address XXXX from XXXX XXXX XXXX XXXX This account was mine, however, I was never late! And, I paid it off. Please refer to my XXXX credit report that I have attached for verification. Third account # XXXX from XXXX FI. This was not me and is fraudulent. Fourth account # XXXX with XXXX XXXX This was not me as well. Fifth, account # XXXX that was originally with XXXX and now is with XXXX. Again, this is not me and I 've sent documentation from local law enforcement proving all of these were identity theft. Sixth is account # XXXX that was originally with XXXX XXXX XXXX XXXX XXXX A and now is with XXXX XXXX XXXX XXXX is account # XXXX that was originally with XXXX and is now with XXXX XXXX XXXX I have never even been to this place. Eighth is account # XXXX that was orignally with XXXX and is now with XXXX XXXX XXXX Again, I have never been to this place. Ninth is account number XXXX with XXXX XXXX. I have sent notice to the companies directly and they have been ignored so under FCRA these all need to be removed and/or fixed without further delay. As a credit reporting agency when a company fails to provide PROOF which they are not able to do ( The addresses and phone numbers on these accounts do not match my own or the companies simply will not provide the information ) the accounts must be removed BY THE CREDIT BUREAU under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Bank # 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

Week of XXXX XXXX I called NEWREZ, my mortgagee handling company about unpaid mortgage insurance to company called XXXX XXXX XXXX. Insurance payment was due on XX/XX/2020 for XXXX . Long story short, after spending 15 plus hours on the phone waiting and arguing about it not being paid, the company basically said the check was mailed XX/XX/2020 and was still outstanding and there was nothing they could do. 

I told them to cancel the check and I would pay it myself once my escrow was refunded. They told me there was no guarantee that they would cancel the check but would try. 

I called my third party representative to the insurance company, XXXX  XXXX XXXX, and talked to a person XXXX about what to do. She told me that I would have a lapse in coverage if I paid the insurance because the banks get a grace period of 45 days and I do not. 

SO I called NEWREZ back and they told me they cancelled the check. I checked my account and they still never refunded my escrow. I basically told them that they were going to send out another check and pay the insurance. After a lot of arguing they finally said they would mail the check on XX/XX/2020. Now here I am XX/XX/2020 and the insurance company still doesn't have my escrow money. NEWREZ keep dropping my calls on purpose now or their phone system is just that XXXX. 

So to rap this up, I have a missing money in my escrow of XXXX XXXX my insurance still hasn't been paid, and I cant refinance my current mortgage because I cant put my new mortgage company name on the insurance till they get paid. I'm pretty sure they took my money and spend it on XXXX and they can't pay anyways. I'm about to file a police report about the felony levels of theft but wanted to try the CFPB first. 

Thanks for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collection Services is reporting an account that is fraudulent to the credit bureaus. I do not owe money to their client XXXX. I have never owned a property in XXXX XXXX, CA that required services from XXXX. CCS, nor XXXX has never contacted me about said debt. This account is bogus.
Product: Credit card

I never opened accountwith FNBO when I found out closed the account and they passed it on to a lawyer who is now trying to collect {$9000.00} on a charged off account
Product: Debt collection

I started receiving numerous " Restricted '' phone calls from a XXXX XXXX. He asked for information on whether someone would be available at an address they had on file so that the person they had on file may personally receive and sign for a document. I asked for more information and he would not provide any details so I hung up the phone. XXXX called back, I answered and told him that if he did n't have any additional information, that I was n't going to provide any additional information and I hung up. XXXX called again, this time I told him that if he wanted to communicate with this person that they could communicate only by mail. He said they could n't send this by mail, it had to be hand delivered. I said if this was collection related, by law they had to abide by the Fair Debt Collection Practices Act and I requested all validation of any debt be mailed to the address they had on file and to never call this number again. He then said that he was going to call me however many times he felt like calling. I hung up the phone. He called again and I recorded the conversation. This time, he proceeded to include information about a phone number and a case number I could call to retrieve more information and he hung up. Not sure why I need to call a number to retrieve more information after he harassed me with XXXX phone calls. Less than a week later, another restricted number starts calling me non-stop for 15 minutes. I finally called the number he provided and asked for them to identify the company I was calling, he said it was the filing department for Meridian Financial.
Product: Debt collection

This is an error on the provider for not properly billing any insurance. I never signed any contract stating I am responsible for any debt and even informed everybody that I would not do any service that would involve an out of pocket expense
Product: Credit card

Please reference the initial complaint - Case number : XXXX filed on XXXX/XXXX/2015. This complaint is for HSBC account # 's XXXX XXXX and XXXX and excludes the XXXX XXXX account. HSBC has never responded to the XXXX complaint. HSBC has never responded to my XXXX XXXX, 2015 letter. " Allegedly '' the credit bureaus were able to verify this information with HSBC. 

Bottom line, to date I have not received any verification documents on these accounts. HSBC has exceeded the legally accepted 30 day allotment to verify these accounts. According to the FCRA rules, if a creditor does not verify the debt within 30 days to the debtor, they are not allowed to continue attempting to collect the debt, nor can the creditor list the debt on the consumer 's credit report. 
This is a clear case of unverified debts that need to be removed from my credit files immediately. My only option left is to file suit.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balanced : {$80.00} XXXX XXXXXXXX XXXX Balanced : {$5300.00} XXXX XXXX XXXX Balanced {$0.00}
Product: Checking or savings account

I am writing to file a compiaint against XXXX XXXX XXXX XXXX regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. Thi issue aligns with the recent CFPB finding : against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY THIRD TIME CONTACTING XXXX  ABOUT THIS COMPANY REPORT ERRONEOUS INFORMATION ON MY CREDIT REPORT! I will be working with my attorney to make sure that AVANTE USA Will cease these deceptive strategies. This company AVANTE USA is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit scorXXXX. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. Furthermore, AVANTE USA did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX XXXX XXXX : XX/XX/1994
Product: Money transfer, virtual currency, or money service

Hello, staff of the XXXX XXXX, my PayPal account can not be linked to the bank and withdraw cash. During this period, I have called the PayPal customer service representative many times, and the problem has not been resolved. Please help
Product: Checking or savings account

For context, here are XXXX complaints that I have made to the bank : XXXX. XXXX XXXX. XXXX They have locked my account, and the reason is that the bank was unable to verify my account with my other bank. 

I had multiple calls with them. Right now, they are saying that they are waiting for bank statement from the other bank which I have already sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

**PLEASE REVIEW ATTACHED DOCUMENTS** This complaint is in regards to my student loans that are managed by Navient. They manage 13 of my Subsidized and Unsubsidized Stafford FFELP loans. I could not locate the loan numbers for each loan, but have included a picture of the loans listed in my Navient account. At the beginning of XX/XX/2022, Navient falsely reported that my student loans payments were 90 days late. This dropped my highest credit score 168 points and devastated my credit that I have been diligently building for the past several years. When I called Navient to inquire about why they had reported my payments late without notifying me first that they were due, I was told that my loans were put into deferment and reporting as current. I called Navient on 3 different occasions about this matter and each representative told me the same thing. They assured me that my credit report would update and show the correct information. My report did eventually update to show that my loans are current ; however, I still have the negative marks of being late 90 days on 13 accounts! This has tanked my score and I am unsure why Navient would have done such a thing without at least notifying me first. I know that I am federally protected against billing errors made by companies. I am also covered by the law that mandates information that is reported on my credit report must be accurate. Navient failed to uphold both of these laws. They did not adequately notify me that some of my loan payments had resumed nor did they inform me that they would be reporting them as late. I have never been late in the 20 years that I have had student loans. This issue has severely disturbed me and has negatively impacted my life for the past 7 months. Each primary credit reporting agency, XXXX, XXXX, and XXXX are also complicit in Navient illegal practices, because I have informed them that this false information should not be on my report. Please assist me with resolving this problem. Thank you.