23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX of XXXX I leased a car through XXXX XXXX XXXX. Made all my payments on time and did everything I had to. In XXXX of XXXX I was informed that my lease had been acquired by XXXX. In XX/XX/XXXX after having a few issues with XXXX I decided to initiate the 2 week notice clause in my original terms. Because of incompetence from XXXX  and XXXX XXXX  it took longer than two weeks and I kept most email records and phone logs of my attempted communications with the. I kept on them and finally was able to be told where to drop the car off and that payments would cease. Because of XXXX  questionable management and potential malicious ineptitude I kept several communications saved along with names and numbers of supervisors I spoke to and a digital copy of the form showing I returned the car the vehicle on XX/XX/XXXX in case they ever tried to turn around and say owed anything else. I followed up and checked the payment portal and was told I did not owe anything and my access to the portal was closed because my account was closed. I kept the emails and the payment portal emails stopped in XX/XX/XXXX and the final correspondence I ever got was an email that vehicle maintenance was due in XX/XX/XXXX for a vehicle I returned in XXXX. The terms of the lease were held and I never heard anything else from XXXX. Today XX/XX/XXXX I get a credit notification that a negative report that I owe {$3500.00} to Recievables Performance. I have never heard of that company, and I dont have any unpaid debt so I did some research online and found out the info about former XXXX XXXX customers being sent unsubstantiated collections requests. I fully believe Receivables Performance is trying to collect a false debt that I was never even informed of until I got a credit monitoring report showing my credit score has plummeted XXXX points. I saw on some online forums that the consumer finance board should be informed and potentially hire an attorney. As stated I have emails, photos and digital proof I returned that vehicle and owed further debt on it.
Product: Mortgage

During the XX/XX/XXXX, I had issues with my former insurance provider XXXX resulting in a missed payment for one month. I obtained new insurance the following month with XXXX XXXX. On XX/XX/XXXX, I was sent a letter from Bank of America indicating they would be force placing homeowners insurance due to a lack of coverage. I contacted Bank of America to inform them that I had obtained insurance and there was no need to force place it. The representative indicated they were notified of the insurance obtained but because I missed one month they would be charging it to me and force placing insurance for that month. This is not within the spirit of the regulation. The regulation requiring homeowners to retain homeowners insurance on their property is closely related to safety and soundness of the bank. This spirit of this regulation is to ensure homes do not have lapses in insurance that would result in a loss to the customer or Bank. It does not fit in the spectrum of having XXXX claims or losses and charging a customer for insurance 2 months later. Regardless, I said ok and understood that the force placement of insurance for a month would be charged to me. In XXXX of XXXX, I received the escrow analysis for my mortgage. I was unable to determine why it was increased so much. I contacted Bank of America and the associate said it was for the force placement of insurance. I filed a complaint to have the review the escrow analysis given I was only supposed to be charged for the XXXX month and they already knew I had insurance. I was told I should hear back within XXXX business days. I followed up twice for resolution and the second time ( weeks later in XX/XX/XXXX ) was told that although they knew my insurance was current they were still going force place the insurance ( also not consumer friendly or within the spirit of the regulations ). If they were going to still proceed to force place insurance that they need to make sure to inform XXXX because I had current auto deductions from my account that would need to be stopped. Best practices for financial institutions is to keep the same insurance and continue to pay the premium out of the escrow as to avoid gross costs to the customer by force placing insurance through an outside source. I advised I would not pay Bank of America AND XXXX for insurance. XX/XX/XXXX, my new payment took affect and my auto draft for the insurance continued cause my mortgage to fall behind of which it is currently still behind. I feel this is totally against the purpose of the regulation and is actually a case of disparaging impact as indicated in the XXXX regulation. I am asking that this issue be corrected as soon as possible. 

Thanks.
Product: Debt collection

I hope you are doing well as I write this. I'm writing to discuss a problem with my credit report, particularly the late payments that are related to my account. I recognize how crucial it is to keep a current and accurate credit history. I'm writing to ask that these late payments be updated or removed off my credit report. 

XXXX XXXX XXXX  XXXX XXXX I am NOT late on XX/XX/2023. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX  XXXX customer service representative. 

To address the issue and guarantee future payments on schedule, I have taken aggressive steps. I recognize the value of being financially responsible and the significance of having good credit. Therefore, I humbly ask that the late fees linked to my account be either eliminated or modified to appropriately reflect the present situation. 

Thank you for your time and attention to this request. I appreciate your efforts in helping me maintain the accuracy of my account information.
Product: Money transfer, virtual currency, or money service

I have made a limit order on Gemini using their active trader software and now I am unable to cancel that limit order and my funds are stuck unless the price of the currency gets to that point, which it is unlikely now. I had no pending deposits or withdraws and should not have had a problem cancelling a order. The limit order was placed on XX/XX/2021 for {$3400.00} and I have contacted their support multiple times with no response. I am starting to think they are keeping my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX and XXXX Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy. 

XXXX5 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: Credit reporting, credit repair services, or other personal consumer reports

Inquiries despute XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Amex XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notify all 3 credit bureaus to dispute information on my report I specifically state to them I am disable and receive government assistance meaning Medicare and Medicaid so I shouldn't have a bill. They would delete the account and then put it back on my report or they would state its verified as mines.
Product: Credit reporting or other personal consumer reports

Dont recognize requested removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

Citizen Pay reported my account XXXX, 120 days delinquent to the Credit Bureau in XX/XX/XXXX - XX/XX/XXXX for some extra equipment received from XXXX XXXX XXXX. I did not receive any additional equipment from XXXX. After numerous calls to Citizen Pay and XXXX XXXX XXXX Management, XXXX sent me a credit letter via email for the billing delinquent error from Citizen Pay. I forwarded this credit letter from XXXX XXXX to Citizen Pay and requested for them to stop reporting me delinquent to the credit bureaus. My verbal contract with Citizen Pay is to pay {$62.00} dollars per month for financing of the alarm equipment and I have been forwarding the payments via XXXX XXXX from my bank for 12 months. I need CFPB to reverse these XXXX erroneous delinquency off my credit report from Citizen Pay. The erroneous reporting from Citizen Pay and XXXX XXXX system affected my credit ratings at the XXXX Credit Bureaus and the negative reporting has affected me in obtaining favorable mortgage refinancing.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ), Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute-resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( ETFA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I filed a complaint against XXXX XXXX and XXXX because of an unknown account. They replied back on XX/XX/year> stating that all collection attempts h will be ceased and that they will remove this from my credit file. I have attached the XXXX XXXX 's response with authorization code.
Product: Debt collection

I have looked into getting information from Spring oaks capital llc about a debt of {$5800.00}, and opened XX/XX/year>. They just appeared on my credit without any information acct #, telephone number, address or anything. I do not have any debt with this company, nor have I signed any contracts with this company of any sort. Upon looking into the NMLS they do not even have a license to practice in the state of Texas. I want them removed immediately from any and all reports because they are bringing down my scores when I am trying to buy a house.
Product: Credit reporting or other personal consumer reports

My student loans were transferred from Great Lakes to nelnet and they dumped my credit score by XXXX  points. They did not suppress my credit score. These loans were satisfactory. Nobody will resolve the issue. XXXX  points will take me until I am XXXX  to resolve. Can not resolve via phone. Nobody answers. Nobody responds to email disputes either. This is not my fault. How am I supposed to buy a car or rent or pay utilities after they dumped my score?
Product: Bank account or service

On XX/XX/2016 at XXXX I was at TD Bank 's ATM located on XXXX in XXXX XXXX NH. At this time I was making a deposit as this machine allows for this type of transaction. While making this deposit, the machine took some of the cash deposit and then apparently jammed. Before jamming the machine took in approximately {$1100.00} dollars of my total deposit. I called XXXX immediately and was advised that the lobby was closing and it would be best to come in the following morning. The machine did not give me my XXXX XXXX back and did not produce a receipt either. The next morning XX/XX/XXXX I went in and deposited the remaining {$360.00} and sat and reviewed the event with XXXX to get the formal complaint in and was assured the process would be handled quickly. 
After following up with XXXX XXXX I was advised that the process takes XXXX business days and we would hear back after that. If need be there would be a review of the cameras of this ATM to validate my claim. The 10 days elapsed and there was still no resolution and no credit in my account outside of a {$0.00} deposit on my account from the evening of the transaction. After Speaking with XXXX XXXX I was advised that there was in fact an overage of funds in the ATM but due to it not matching my specific recalled amount my claim was going to be denied. On or about XXXX XXXX, 2016 I received formal notice that my claim was in fact denied. I reached out to XXXX XXXX on XX/XX/XXXX and was advised by her that the claim was denied due to a lack of a specific amount in the report. I am unsure of how this happen as when the claim was discussed on XX/XX/XXXX we specifically stated it was {$1100.00} that the machine consumed. At this time I was advised by XXXX that she would resubmit a claim with the specific amount and see what happens. When I asked about the camera 's I was told the last who reviews them is on vacation and we could not view them until she was back in the office. On XX/XX/XXXX I followed up with XXXX XXXX to get a status update and was told they were still " looking into this. '' I have still not received any credit to my account for the consumed dollars by the ATM. On XX/XX/XXXX I followed up in person at the XXXX with no resolution still. Just a reassurance that they are " looking into it still. '' I was under the impression that TD submitted another request based on the specific amount but received an email on XX/XX/XXXX stating they needed the specific amount. Again this was provided at this time. XX/XX/XXXX still no contact from TD proactively. I followed up again and have received no response from TD with any resolution to this claim. The XXXX has been CC 'd on all emails and I have received no feedback from her on this matter. 
On XX/XX/XXXX during a branch visit we requested info on the claim and were told that we were not through another XXXX day waiting period and the only thing we could do is wait. Still not credit to my account for the funds. At this time we advised they have a likely XXXX violation and the we would be filing a CFPB claim and we were asked what is the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion are reporting false information. The accounts that are open by FRAUD a XXXX  XXXX XXXX XXXX account number XXXX with a balance of XXXX XXXX XXXX account number XXXX that is showing closed XXXX  XXXX  XXXX OPENED XXXX BALANCE XXXX XXXX/ XXXX XXXX XXXX opened XXXX balance of XXXX account number XXXX duplicated accounts are also showing on XXXX  XXXX IT IS MY ACCOUNT BUT SHOWING TWICE PLEASE REMOVE ONE XXXX XXXX XXXX with a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX  XXXX, XX/XX/2021 reported a medical collections account to the credit bureaus, the company has violated my Hippa laws, and this company has failed to make any contact with my to verify any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted disputes to Experian and they did not investigate the identity theft properly or attempt to resolve my complaint ... I have attached all the fraud forms including police report to get the following accounts deleted from my credit report ASAP. 

The accounts in dispute are : - XXXX XXXX XXXX - Amt Obtained {$460.00} FRAUD - XXXX - Amt Obtained {$3600.00} FRAUD - XXXX Card - Amt Obtained {$1100.00} FRAUD - XXXX Card - Amt Obtained {$1700.00} - FRAUD - XXXX XXXX XXXX XXXX - Amt Obtained {$11000.00} FRAUD - XXXX Personal Loan - Amt Obtained {$13000.00} FRAUD - XXXX XXXX/XXXX - Amt Obtained {$10000.00} FRAUD - XXXX XXXX XXXX - Amt Obtained {$7000.00} FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX XXXX XXXX XXXX XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Mortgage

Notice of representation was sent to Bank of America on XXXX. A letter confirming receipt of authorization along with our request of a verification of mortgage and transaction history were received as requested along with the Notice of representation. After speaking to several representatives in regards to the loan modification our office is no longer authorized to speak on behalf of the borrower. This is a stall tactic practice by Bank of America and it 's representatives. On XXXX XXXX and XXXX XXXX Customer Relationship Manager 's state our office is not authorized. This is a violation of the borrower 's rights to legal representation.
Product: Vehicle loan or lease

paid of XXXX leases that was originally XXXX months that extend to XXXX  months that ended XX/XX/XXXX I returned the cars to the dealer on XX/XX/XXXX and requested buyout payments which Toyota finally emailed me the info on XX/XX/XXXX No payment were due for XX/XX/XXXX nor XX/XX/XXXX. On XX/XX/XXXX I mailed XXXX XXXX checks totaling {$33000.00} to Toyota financial. They held the check and closed the accounts XX/XX/XXXX and messed up my perfect credit with XXXX late payments on the XXXX accounts. The adjust it to XXXX later payments and refused to correct the other XXXX late payments. When I call the hang the phone up on me. They have an old outdated way of getting information and making payments. They have to mail forms and payments also have to be mailed causing delays. Up to know my credit is still ruin and no tiles have been delivered to me.
Product: Checking or savings account

I received a notification saying that my information was stolen from a recent breach from dave banking and no further information was given. my funds were not returned and in order for me to continue to use the bank I would have to pay the fees bank which I had done
Product: Money transfer, virtual currency, or money service

XXXX Venmo regularly for purchases. Loader {$700.00} and spent {$47.00} this morning and then my account was frozen. Submitted necessary paperwork and was told it would be reviewed within XXXX business days. Literally taking all of my money and refusing to answer why it was frozen or anything else. Reviewed XXXX  and they have done this to so many people and never gotten their funds back. The federal government should be looking into their business practices, shady stuff happening.
Product: Credit reporting or other personal consumer reports

Experian failed to fulfill its legal obligation under the FCRA to conduct an investigation of disputed information on my credit report, leaving inaccurate and or unverifiable accounts on my credit report. I am requesting to have the disputed accounts removed from my credit report immediately.
Product: Credit card

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The creditor is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : DISCOVERBANK XXXX
Product: Payday loan, title loan, or personal loan

I had a personal loan fro m Mariner Finance th at I stopped paying when I became unemployed in  XXXX  of  2016 . I had credit insurance that paid the loan f or 4-5 months during my unemployment. Mariner Finance filed a judgement against me while they were receiving payments from the insurance company. The company has unfair business practices, as they have  filed  XXXX  judgements against me, so it actually looks like I owe them double the amount of money. The reason for this particular complaint is because they have been doing hard pulls of my credit report, that were unauthorized since the account has been closed. I can furnish copies of my credit reports to prove this. They must be stopped. My credit is bad enough as it is, and they are making it worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

I have sent several disputes about collection XXXX XXXX XXXX has been re aged.