23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

" Suntrust now Truist '' ( Bank ) is our mortgage provider for the property we own at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Our mortgage is a fix rate mortgage with no escrow. In 2021, due to miscommunication between our insurance agency and the bank, there was a misinformation about our insurance coverage ( They claimed we don't have an insurance despite we had coverage without a gap ). We pay our mortgage automatically from our personal bank account every month regularly. 

The bank opened up an escrow account without our consent and knowledge, and started demanding additional payments, around XX/XX/2021, for additional insurance coverage they claimed they provided. 

The mortgage statements provide a phone number and a web address for customer service, but no mailing address for the customer service. We could not reach anyone using the phone number provided in the mortgage statement from XXXX TO XXXX, XXXX. When the number is called, the automatic answering machine only stated that there was a transition of the mortgage between companies and we should continue making payments and no credit reporting would be done during the transition. The mortgage statements ( including the website ) do not provide any mailing address for the customer service for us to communicate any other way. 

Finally, we were able to reach the customer service in XXXX, XXXX and proved the fact that we had insurance and no escrow was needed. 

The bank admitted and canceled the escrow. However, we realized that the bank reported the incident as unpaid mortgage to the credit agencies and also started a foreclosure proceeding and put notations on the property, which irritated our tenant and we lost a tenant because of that The letter we received from the bank ( lender ) on XX/XX/2021 stated the bank canceled the escrow and also they retracted their reporting the credit agencies on XX/XX/2021. 

However, we checked our report on XXXX and it appears that they did not retract their reporting. Our credit score was above 750 in early XXXX. After their false reporting to the credit agencies, our XXXXredit score dropped to low 600s. We were planning to buy a property by the end of XXXX, but we could not purchase because of it. 

We sued the bank in XXXX XXXX ( WA ) and won for only a portion of the damages. 
We are planning to file law suits in many other counties, until this bank responds to our concerns fairly. 

We made additional {$2700.00} payment in XXXX so that they would stop reporting our loan as a default ( They demanded this ; otherwise they would keep reporting as a default ). After the bank admitted their mistake, they paid back only {$1800.00}. The bank writes back with many different explanations and accounting tricks to justify, but at the end, they overcharged us in addition to their false credit reporting. 

PLEASE SEE ATTACHED EXHIBITS : Exhibit # 1 : Proof of Insurance Exhibit # 2 : Our payments Exhibit # 3 : Letter received on XX/XX/2021 Exhibit # 4 Credit Reporting on XXXX
Product: Student loan

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possibleXXXX For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX sued by Cfpb before for not applying payments to consumers accounts correctly?
Product: Checking or savings account

My complaint involves Santander Bank and their refusal to honor their zero-liability policy. They denied my claim for the very reason someone would file a claim. Apparently they denied my claim because the fraudulent charges were made within walking distance of my last valid transaction. I didnt know thieves were supposed to adhere to strict guidelines when stealing someones debit card. Also, they said the chip was used in the debit card. Hmm, when they stole my debit card they also stole the chip embedded inside the card??? No kidding, geniuss! Also, the PIN was used. Not sure how they got the PIN, but my last transaction was PIN-based and they could have seen me enter it. Who knows? The fact is, I didnt make these charges ... XXXX for {$17.00} on XX/XX/2018 Cash Withdrawal for {$800.00} on XX/XX/2018 Cash Withdrawal for {$180.00} on XX/XX/2018. Santander needs to protect their customers, not throw them under the bus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XX/XX/XXXX, my auto loan was reported to have one 30 day late payment to all credit bureaus. This is not valid as the account has been in excellent standing since XXXX. I reached out to the lender and they advised they would correct this before the next reporting date in XXXX, as it was a banking error. I reviewed my credit report today on XX/XX/XXXX and could see the issue has not been resolved and my credit is being affected thus preventing a refinance on my home to provide for my family. This is causing dire XXXX  on myself and I need your help to rectify this matter immediately. My payment for XX/XX/XXXX has reported on time and the creditor is not responding anymore to my written letters and when we call, I am always placed on hold and the call gets disconnected. I pay roughly {$1200.00} a month for my auto loan so this is a surprise. My husband submitted a complaint yesterday with the CFPB and since we are joint on the account, it is also affecting my credit because of their banking error reporting methods.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my name and address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

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

XXXX XXXX XXXX, XXXX is a Loan Servicer.  My primary residence loan was financed with XXXX XXXX. They sold it in XXXX to XXXX XXXX XXXX XXXX. This company 's primary goal is to keep clients locked up with them- and because this is how they make money, in charging high fees for basic services. They post payments as they see fit- and often apply them late- even if you mail it with plenty of time. This gives them the option to charge late fees, and report late to the credit bureau. By doing this, they make it impossible to refinance the loan with another company. Because they will show you as late. I have shown proof of payments to the credit bureau online dispute, but it still comes back as late for XXXX XXXX. Please help me correct this issue so that I can refinance my loan with another lender and move away from XXXX XXXX XXXX, XXXX. You can XXXX them and see the negative reviews from others..
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ).

Listed below are the Personal Information that are being XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Money transfer, virtual currency, or money service

I sent my son {$40.00} through Money gram at this time my son is located in XXXX XXXX CA and I am in XXXX XXXX. My son 's ID was stolen so we provided with another person 's name that was provided. This person was not able to retrieve the money after trying 3 times through money gram. I called to speak with money gram to solve this situation and they are refusing to cancel the transaction due to needing the receiver 's ID which we can not retrieve. I am the sender and have proof of sending and they will not provide a refund to me although it is my money. Due to the receipt it explains the process of refund and by section 2102 of The California 's Financial code it states if I am not provided with refund, I am entitled to my money back plus a penalty of up to XXXX and attorney fees pursuant to this section. I rather not pursue to that extent, I just would like my refund of XXXX since the receiver is not able to access the funds through money gram.
Product: Credit card or prepaid card

I present the following two ( 2 ) PayPal credit disputes : 1. XXXX : On XX/XX/XXXX I was required to place an order for custom shoes ; where as, the merchant instructed me to place then write us all changes, we will don it for you. Then on the XXXX, I requested instructions on size measurements, and informed the merchant of my desired changes and shipping terms on the requested model shoe # XXXX. On the XXXX, the merchant informed me that both the upper and lower parts are made of black leather not fabric. In response, I informed the merchant that I wanted to cancel the order - and in the merchant 's response was the " refund has been issued ''. To this point in time, there has not been no refund of {$230.00}. 

2. XXXX- XXXX : Prior to the above instance, on XX/XX/XXXX, I purchased an XXXX Training Tutorial based solely upon that merchant 's PayPal advertisement " Promise that for any reason you're not satisfied with the Tutorial and if you would like a full refund, please submit your request within 30 days of purchase. I purchase said tutorial based solely upon merchants ' advertisement assertion of their : " promise '' of their 100 % no questions asked money back guarantee '', if refund request is made in within 30 days " we will refund your original payment method with the full amount ''. On XX/XX/XXXX and XX/XX/XXXX respectively, I respectfully requested said refund of {$190.00}, to no response. 

Therefore, I hereby respectfully request ( CFPB ) to review and investigate this pattern of Merchants ' coercive purchase order behavior and Merchants ' false advertisement practices under PayPal 's herein alleged vague, ambiguous, and biased consumer review under the PayPal dispute resolution process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX should not be reporting that I am ( 120-180 ) days late on the XXXX partial account number XXXX. Experian is reporting the status of this account as a collection/chargeoff. ( Please see page attached from my credit report, along with a copy of my Drivers License and SSN for identification purposes so the bureaus will investigate my complaint. ) XXXX XXXX is claiming that I made a {$56.00} payment, which I did not make, and now the ( 3 )  bureaus have moved the date of last activity forward. When the false payment was reported it triggered the lates to report as well, which is incorrect. This account was opened in XXXX  and the statute of limitations for reporting in the State of Mississippi is ( 3 ) years. This is clearly a violation of the Fair Credit Reporting Act for XXXX XXXX to claim a payment had been made when clearly one was NOT made, in order to move up the date of last activity on my credit report. It is also a violation of the FCRA to not report accurate information on a credit report. This incorrect reporting is harming my credit score and these line items need to be removed entirely from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consumer did not consent too nor authorize these inquiries that are reporting to my Experian consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from Experian. I did not give them my written consent to obtain my consumer report per section 15 USC 1681n ( b ). Experian sold my information to these corporations and got paid for the credit sale. Federal law states that any corporation whom obtains a consumer report from a consumer reporting agency knowingly without permissible purposes shall be liable to the consumer reporting agency for actual damages in {$1000.00} per section 15 USC 1681n ( c ). I sent Experian an identity theft report via XXXX certified mail. Is Experian above the law? How are they able to share my consumer report without them contacting me for my consent to share my report with these corporations. Experian humiliated me to the public and damaged my reputation. Experian decreased my score because of those inquiries that have no connection to me. If Experian can provide me a copy of credit application authorizing the disclosure of my files with my actual signature, I will accept the inquiries. If such application is removed I demand these inquiries be blocked and removed from my consumer report. I have gone to therapy for my anxiety because of the fraudulent activity that Experian let concur on my consumer report. Experian stole my identity and sold my private information without prior consent. Where is my right to privacy?
Product: Credit reporting, credit repair services, or other personal consumer reports

There is this account on my XXXX credit report that I do not recognize, the account is showing that it is in collections, I have never had an account with this company called ENHANCED RECOVERY COMPANY, there is no phone number being reported and it says that the account was opened in XX/XX/2018, I have disputed this account with XXXX and for some reason they told me that the account was verified as accurate. I know this cant be right because like I said I never had an account with this company. I want this company to provide me with the original contract that has my signature on it that proves that I opened this account and also to provide me with any type of agreement between me and this company that says I have an obligation to pay them. The FCRA says that a creditor must provide the consumer with original documentation bearing the signature that validates the account. I want the original contract bearing my signature, and if the original contract bearing my signature cant be provided I want this collection deleted from any of the credit reporting agencies that is being reported to. I wont accept any copies of statements or an itemized piece of paper for validation of this account because that is not enough to validate it.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. In compliance to 15 U.S. Code 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Your agency is in violation! 
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: Credit reporting or other personal consumer reports

I have disputed the reporting of my XXXX loan XXXX different times. They have not sent any results back. They did not conduct an investigation. The first dispute ( XX/XX/23 ) was " Under 15 U.S. Code 1681s2 ( F ) Reporting information during COVID19 pandemic - Update Account to NEVER late '' was never investigated. the company did not respond. The second dispute was send on XX/XX/23. The dispute reason was " Under 15 U.S. Code 1681s2 ( F ) Reporting information during COVID19 pandemic - You did not enter a notice of dispute. You are in violation of FCRA.- Update account to NEVER late. '' AGAIN the company did not respond. My dispute status was never changed and I received no results from the investigation. My THIRD dispute was sent on XX/XX/23 and my reasoning AGAIN " Under 15 U.S. Code 1681s2 ( F ) Reporting information during COVID19 pandemic - This is my third attempt at disputing the late payments on this account. There was a loan modification. You are violating the CARES ACT and FCRA by not entering a notice of dispute. Update my account to never late or I will pursue litigation. UPDATE TO NEVER LATE '' The company still has no responded or updated my dispute status. I recieved a loan modification over the phone for my loan due to having XXXX. The company is still reporting late payments! I want my credit score uopdated. It has dropped my score XXXX points!
Product: Vehicle loan or lease

Im lodging complaint against TOYOTA MOTOR CREDIT CORP for unlawfully seizing my personal property, and I demand immediate return and restoration of my personal items.
Product: Money transfer, virtual currency, or money service

Cash app closed without cause and I wasnt given a clear reason why. Also, I was unable to speak to a live person in regards to this issue and was transferred to several bots or AI.
Product: Debt collection

I received a phone call saying that I owed a debt. I wrote to the company requesting written documentation of the items in question. I also wrote to them and asked the not to contact me by phone but only by mail. I used the CFPB template letters for these purposes. 

I continue to receive daily calls and i have yet to receive any written documention as to any alleged debt.
Product: Credit reporting

Equifax refuses to conduct a proper investigation, they refuse to correct negative information on my credit report, they refuse to except documents from myself or the CFPB, which provide the correct information regarding a XXXX student loan account for my daughter which i co-signed. 
Equifax is reporting a XXXX account ; Acct # XXXX XXXX XXXX XXXX as 150 days late in XXXX XXXX, XXXX XXXX, XXXX XXXX. 120 days late in XXXX XXXX, 90 days late in XXXX XXXX and 60 days late in XXXX XXXX. They are reporting this contradicting the update XXXX has sent them and ignoring XXXX own response to my complaint through the resolution process with the CFPB for case # XXXX. 
XXXX has confirmed they requested all XXXX credit bureaus to remove all late charges consistent with the above mentioned case. XXXX and XXXX have updated this information. However Equifax refuses to do so. 
I have sent Equifax numerous certified letters over the last 6 months, I have called equifax begging them to conduct a proper investigation. I have provided Equifax with XXXX response to my CFPB complaint. 
As a result of Equifax 's willful neglect and deliberate reporting of inaccurate information, I have been paying hundred 's of dollars a month in higher insurance fees. I have been turned down for a work van and finally had to pay higher interest fees for a work van I was able to purchase. 
Note : this account is the ONLY negative account ever to report on my credit files.
Product: Credit reporting or other personal consumer reports

I want these inquires to be deleted because i did not authorize these companies to run my credit. This fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you keep closing my complaint? it is not the same Dear [ Consumer Financial Protection Bureau ], I am writing to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ). It has come to my attention that a consumer reporting agency Experian has been using my credit report without my written consent, in violation of 15 USC 1681 section 602, which guarantees my right to privacy. 

As per the FCRA, a consumer reporting agency is required to obtain written instructions before furnishing a consumer report, as stated in 15 USC 1681 section 604 ( A ) ( 2 ). I gave them the instructions and I was ignored. Moreover, 15 USC 1666b of the FCRA clearly states that a creditor can not treat a payment made on a credit card account under an open-end consumer credit plan as late, for any purpose. 

I have already sent a cease and desist request to the consumer reporting agency, requesting them to stop reporting late payments on my credit report. However, my letter was ignored, and no investigation was conducted by the agency. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take necessary action to ensure that my rights under the FCRA are protected. Your prompt attention to this matter is greatly appreciated.