23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I requested a way, like all other loans, to enable me to make additional principal-only payments towards my balance, to pay it off sooner. It seems online, although it appears to provide 'options ', none of them really allow principal-only payments. In addition, when calling to do so, there is a wait of XXXX calls 'ahead of yours ', so it is almost ludicrous to attempt to pay that way. Lastly, when I did reach a representative once, they confirmed there really was no way to make that additional payment except by reaching someone on THE EXACT DATE your regular payment is due, but, as I said, then there are XXXX callers ahead of you, so you can't possibly wait for that either. 
As well, unlike other long-waiting-call-list companies, Santander does not have an option XXXX be called back for a long call-time wait. 
Thus, it really seems Santander Bank intends to make it difficult for the consumer to pay LESS Interest to them for their car loans ; that any way to do so is thwarted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day Sir or Madam I have requested several times that my name and address be updated on all XXXX Credit Bureaus Equifax, XXXX and XXXX Under the Fair Credit Reporting Act ( FCRA ) My report should reflect accurate information I have provided all bureaus with copy of id and bill so my credit report would reflect the correct information. I have no access to receive any correspondence to any addresses listed on my credit report other then the one that is on my id and bill that already been submitted
Product: Bank account or service

bank of america just say not want to business with me. and put a hold on my bank account. and i cant get any funds from the account.bank of america account # XXXX and not give me why they closed. the account was not overdraw.will this closer stop from getting a new bank account at other bank
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 investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$10000.00}
Product: Credit reporting or other personal consumer reports

I recently rereceived a copy of my Equifax credit report, and I noticed a late payment posted on my credit report : Both account XXXX for the month of XXXX XXXX. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes as well as an FTC report for this fraudulent account. 

- XXXX XXXX ( listed on XXXX, XXXX, and Equifax )
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction and frustration regarding the numerous unsuccessful attempts to correct the late opening of my account with your institution. Despite multiple requests for resolution, the issue remains unresolved, causing significant inconvenience and eroding my confidence in your institution 's service. 

I initiated the process to open an account with your institution. Unfortunately, due to unforeseen circumstances, the account opening was delayed. Since then, I have made several attempts to rectify this situation by reaching out to your customer service department, submitting formal requests, and adhering to the prescribed procedures for addressing such issues. 

Regrettably, each attempt to correct the late opening of my account has been met with inefficiencies, delays, and a lack of tangible progress. This has not only caused considerable inconvenience but has also raised serious concerns about the effectiveness of your institution 's handling of customer concerns. 

I wish to highlight the following issues : There has been a significant lapse in communication regarding the status of my account opening requests. Timely updates are essential for maintaining customer confidence and ensuring transparency. 

I have received conflicting information from different representatives, leading to confusion and frustration. Consistency in communication is imperative for a smooth resolution process. 

Despite assurances of follow-up, there has been a lack of proactive communication and action to ensure the prompt resolution of my concerns. 

I understand that administrative errors can occur, but the repeated nature of these oversights and the lack of satisfactory resolution are disconcerting. As a customer, I expect a higher standard of service, transparency, and a commitment to resolving issues promptly. 

I am formally requesting an immediate and thorough investigation into the reasons for the delays and inconsistencies in the account opening process. Furthermore, I expect a clear and detailed plan outlining the steps your institution will take to rectify this situation promptly and prevent similar occurrences in the future. 

If my concerns are not addressed satisfactorily, I XXXX have no choice but to explore alternative avenues, including reporting this matter to relevant regulatory bodies and consumer protection agencies. I am asking for your assistance to correct these late open accounts in my credit file : OFFICE OF THE ATTY XXXX XXXX Balance : {$74000.00} ; OAG CHILD XXXX XXXX Balance : {$74000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone at my old address of 5 years ago committed identity theft and opened a XXXX XXXX under my name. I filed a report at identitytheft.gov and sent the report to all three credit bureaus. The others bureaus deleted the fraud but experian refuses to honor it as it remains on my credit via experian only.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Kept disregarding my disputes, by telling me they want me to send them a proof of id verification, last check stub, and cell phone bill. I sent them a certified letter, and they never responded. Attached is copy of driver license, copy of phone bill, copy of last check stub. The matter is a bankruptcy, I contact the bankruptcy courts in XXXX and they responded with a letter that I will attach below. They dont provide court records to credit bureaus. 

>I have previously disputed this item with you > XXXX XXXX XXXX MICHIGAN. Reference # XXXX < and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 16811 ) and the information must be deleted immediately.<
Product: Debt collection

I received an alert on my experian report on XXXX XXXX XXXX that there 's a change on my credit report. I log on my report to find an account from green tree servicing l a count # XXXX showing a debt of XXXX that I owe. They do n't have the original creditor reported on the report. From the date it show this was opened XX/XX/XXXX green tree bought an expired debt that is well over the statue of limitations from hsbc. They knew this when they purchased this debt which is why they did n't notify me to dispute this before they reported it to my credit report. Green tree servicing are know for illegal actions such as this XXXX. I have enclosed a copy of an experian report dated XXXX XXXX XXXX that shows the original creditor XXXX XXXX account # XXXX ... the debt shows the account was opened XXXX XXXX balance and the date this was removed from my report XXXX XXXX. This was written off XXXX XXXX and has been past due months before it was written off which is why this is no longer on my credit report. I also in closed a copy of my current report with green tree servicing on my experian as of XXXX XXXX XXXX with this expired debt. The date opened is the same XX/XX/XXXX. This debt is expired and should not be on my report. XXXX has been deleted from all three credit bureau since XX/XX/XXXX. Green tree have purchased and expired debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an item from XXXX XXXX XXXXXXXX on my credit report that does not belong to me and must be removed because its a fraud item but they always return back confirming that this account belongs to me with no proof. I need this item removed from my credit report because its effecting my life and i will look into legal means if this does not get solved soon
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX bought my XXXX acct in XX/XX/2020. Every month they checked my credit. Then in XXXX  after missing a payment they did another credit check and in XXXX lowered my credit limit by {$110.00} in turn put my credit score down tremendously. I've been struggling to get that score up for a year. It was XXXX ( I know that isn't very good but it is an improvement ) and since they're stalking my account, it's gone down below 600! I feel this is very unethical considering COVID-19 has put all of America in lockdown!
Product: Credit card or prepaid card

I called the credit card fraud dept when I saw several charges on my statement that were not my purchases. I went over each item on the page and told him which ones were indeed mine. And I agreed to pay for all of them right then using a different credit card. We agreed to the amount that was mine and made the transaction. Furthermore, we cancelled my account. He offered to send me a new card which I declined, and told him in fact, I would be cutting up this card which had been used fraudulently, and throwing it out. 
That was in XXXX. Since that time, I have received a bill from this company every month and letters from the bank making me aware that MY account is past due! How do I still have an account when I settled it with a final payment in XXXX and closed it. None of the charges listed on the invoice belong to me. And further, how does one use an account that has been closed? 
For the record, the credit card was a XXXX XXXX from Synchrony bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following account completely from my XXXX XXXX : XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below XX/XX/2019 for 30 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Bank account or service

On XXXX/XXXX/16 I requested that a wire be sent from my checking account at Capital One to XXXX XXXX XXXX XXXX ( a fully licensed New York State virtual currency dealer ). I had previously sent a wire to the same company XX/XX/XXXX. This time however, the wire was never sent and when I contacted the bank they indicated that my accounts were frozen. Over the next few days I placed numerous calls to Capital One and was directed to either the security dept of XXXX, both of whom have hold times of over an hour. I spent a total of approx 6 hours on hold over a 2 day period only to learn that my accounts were being closed because the wire I requested was being sent to a company which deals in XXXX, a virtual currency. This prohibition is not in their terms & conditions nor in any other pulished material provided by the bank. Apparently Capital One bank considers bitcoin a threat to it 's business model and sees fit to keep people from spending their own money how they see fit. I was annoyed, but it is what it is. I requested that Capital One please transfer the balance in my accounts to my linked account at XXXX XXXX. They said it may take a couple days, but that they would do so. Additionally, they said that I would receive and email detailing why my accounts were closed. That conversation occurred on XX/XX/XXXX. I have tried to follow up many times but the bank has actively avoided speaking to me about the issue. I have been disconnected multiple times while holding for the dept who would be able to provide answers. If it occured once or twice, I would accept that it was just a disconnect ... but when it occurs 5 times and ONLY when I am holding for the XXXX XXXX Dept., then the chances of it being random are astronomically low. They are currently holding approx {$10000.00} and have given no reason for the siezure nor any indication that they will ever return the money. There has been no levy, garnishment, tax siezure or anything of the sort. I have not committed fraud nor am I under investigation for anything ( though I guess if I were, I would n't know about it, would I? ) As far as I know, they can not sieze depositor funds at will with no reason provided. I would like my money please
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by { TRANSUNION }. I believe these late payments are erroneous and do not accurately reflect my payment history. 


ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LATE PAYMENT : XXXX - XXXX XXXX - XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft. I recently learned that someone used my personal information to make purchases with XXXX XXXX XXXX. This debt is not mine. Under the Fair Debt Collection Practices Act, I request that you stop collection proceedings against me and cease communications with me about this debt, except to comply with section 615 ( g ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), as described below. According to section 615 ( g ) ( 1 ) of the FCRA, I further request that you notify XXXX XXXX XXXX that the debt is the result of identity theft. 
Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Attention : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN:XXXX Email : XXXX Reasons : I would like all of my derogatory remarks removed immediately. Many of these accounts fall under the statue of limitations or are misreporting on my credit report. 
Please apply these laws to my account : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' ) Account Name : XXXX XXXX  Account number:XXXX  Date Filed : XX/XX/2021 Type of Account : Collection Address:XXXX  XXXX XXXX XXXX XXXX, WA XXXX Phone:XXXX Reason : THIS IS INACCURATE
Product: Credit reporting or other personal consumer reports

Please refer to the report and take the necessary action ; the following inquiries were not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I have sent a number of disputes pertaining to fraudulent and unauthorized accounts on my credit profile. I sent out disputes on dates XX/XX/24, XX/XX/24, XX/XX/24 XX/XX/24 and XX/XX/24 without any correction to the fraudulent/inaccurate accounts. The fraudulent accounts that I am referencing consists of the following : XXXX XXXX XXXX XXXX XXXX XXXX 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

In XXXX my house was up for Foreclosure, but an agreement was made with the lending institution to have the matter turned into a short sale instead. Also, before this arrangement was made, the company continually told me that they would do everything possible to help me keep the home. I was given a payment schedule of {$1200.00} a month, which I followed consistently. The agreement allowed me to stay in the home until a buyer was found by a real estate agent. They also gave me a check for {$3000.00} once the buyer had purchased the property and the house was emptied and cleaned. I abided by all the rules of the agreement and was eventually told that they were not able to help me save the home, but they would allow it to be a short sale. 
Now they have sent the credit bureau false and negative information about the matter. It is now listed as a foreclosure on my credit report. I sent documentation to the Trans Union showing that the house was a Short Sale. They in turn sent me a letter stating that the negative report would remain on my credit until XXXX XXXX. 
This information they are reporting in incorrect and should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuit to 15 USC CODE 1681a2, I did not give written permission to have these accounts furnished on my credit report. XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I am writing to bring to your attention a highly concerning and frustrating experience I have had with Freedom Mortgage regarding the loan assumption process. My loan assumption process began on XX/XX/XXXX, with XXXX XXXX as the Point of Contact ( POC ). 
Despite an initial timeline commitment of XXXX days for the completion of the loan assumption, the process has been marred by numerous setbacks, causing considerable inconvenience and financial strain. 
On XX/XX/XXXX, I reached out to XXXX XXXX to inquire about the status of the process. In response, she called me and provided a new closing date of XX/XX/XXXX, a date that ultimately did not materialize. This failure to adhere to the communicated timeline has been a significant source of frustration. 
Compounding the issue, I was forced to cancel my homeowner 's insurance policy on XX/XX/XXXX since I can not continue to insure a property I do not legally own. XXXX XXXX advised me to obtain another policy effective for the new closing date of XX/XX/XXXX, which I promptly did. 
My attempts to escalate the matter by requesting XXXX XXXX 's supervisor 's contact information have been met with resistance. Despite multiple requests on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX has failed to provide the necessary contact details for her supervisor. 
This morning, after once again reaching out to check the status and requesting supervisor assistance for the third time, I received an immediate response from XXXX XXXX, informing me that my transaction had been assigned to another processor, XXXX XXXX. 
The lack of transparency, communication, and adherence to timelines throughout this process has been extremely disappointing. I find it unacceptable that I have had to endure multiple delays, financial strain, and inadequate communication. 
I am formally requesting a thorough investigation into the handling of my loan assumption process by Freedom Mortgage and immediate resolution of the outstanding issues. Additionally, I kindly request any assistance you can provide in obtaining contact information for XXXX XXXX, the new processor assigned to my transaction. 
I trust that the Consumer Financial Protection Bureau will diligently investigate this matter to ensure consumer protection and hold Freedom Mortgage accountable for their actions. I appreciate your prompt attention to this complaint and assistance in resolving the issues I have encountered.