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

In the beginning of the year i took out 2 auto loans one for a truck and one for a car from USAA. USAA accepted a payment on XX/XX/XXXX for the truck loan. On XX/XX/XXXX i set up automatic payments to be drafted out of a different account beginning in XX/XX/XXXX and then on XX/XX/XXXX they took another payment for the truck and on XX/XX/XXXX they took a payment for the car causing my bank account to hold a negative balance. and generating a non sufficient fund fee of {$25.00}. they refused to refund the {$25.00} or admit that their computer system made an error. I believe this is another example of fraud by a large bank to generate unnecessary fees against consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have contacted Credit Bureaus about inquires about XXXX of them are on my file, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Product: Credit card or prepaid card

Credit Karma promised pre approval with excellent odds of approval when I was denied for said credit cards. The resulting applications ended up hurting my XXXX XXXX.
Product: Debt collection

RECEIPT OF SAID NOTICE CONSTITUTES ACCEPTANCE OF ALL TERMS STATED HEREIN. 

I am disputing the validity of this alleged debt. I have not now nor have I ever been in contract with Scott & Associates. Pursuant to 15 USC 1692g - validation of debts, this company is in violation of federal law. They are attempting to collect on an account under the guise of it belonging to me as a " collection account ''. As a consumer, I have not now or ever extended my credit to Scott & Associates ; they have not now or ever loaned me money. I received a written communication from them dated XX/XX/ showing the aforementioned as reporting this information with a " balance '' of : {$900.00}. I am demanding Scott & Associates to provide an original contract with my signature, offer and acceptance. Copies will not suffice. I would also like to see the assignment of debt. I would also like this company to show they are registered in my state to even attempt to do business and collect on this alleged debt. Provide me with a copy of your permit from the Commissioner of Insurance for the state of Pennsylvania as a valid, registered entity commissioned to do business within the state. Attempting to collect on alleged debt without any of this is deemed as a Class 1 felony ; please provide evidence of bond. As this collection attempt also constitutes extortion and material representation. I am also demanding Scott & Associates to provide me with a detailed accounting of how my personal information was obtained lawfully, including any and all required disclosures under law. This company is also in violation of 15 USC 1692e by making false and misleading representations. I also demand Scott & Associates to cease and desist from any and all collection attempts as well as attempting to furnish anything to any of the credit reporting agencies on my behalf. Any future attempts will be deemed as a direct Civil RICO violation. Any continuance or disregard to this notice will be deemed as direct violation of federal laws including RICO, violation of the Fair Debt Collection Practices Act, the Truth in Lending Act and The Equal Credit Opportunity Act, as I am a Federally protected consumer and will also file suit for defamation of character and fraud. I will also not hesitate to file a complaint with the Pennsylvania Commissioner of Insurance as well as the PA Attorney General. 

RECEIPT OF SAID NOTICE CONSTITUTES ACCEPTANCE OF ALL TERMS STATED HEREIN. 

Attorney in FACT for XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX, XXXX XXXXXXXX XXXX Credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Checking or savings account

Several transactions are continuing to come out of my business account. I am currently negative and need my funds to work! The transactions are large amounts and are originating in XXXX. 
The dates and amounts are : XX/XX/XXXX {$310.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$310.00} XX/XX/XXXX {$9.00} XX/XX/XXXX {$9.00} XX/XX/XXXX {$9.00} Pending charge after debit card was cancelled for {$310.00}
Product: Debt collection

I have a second mortgage loan that was charged off in 2009 in the amount of {$29000.00}. At the onset the loan was owned by XXXX XXXX whom I modified the loan with. Due to the charge off portion of the loan, XXXX maintains a lien on the property. I contacted XXXX to settle the debt through the sale of the property. XXXX informs me that they have sent the loan to XXXX XXXX XXXX XXXX who now tells me that they have sent the loan to XXXX XXXX XXXX for servicing. XXXX informs me that the debt is now {$45000.00} to settle. There has been n o explanation of any escalation in charges and the companies are now blocking the sale of the property to see my bank records, tax statements ect. I am trying to settle the debt in full and need to see the escalation in charges and neither of the companies are cooperating. Even attempting to settle at the inflated amount, the companies are not cooperating without wanting to see all of my personal information. Neither company has validated the debt after I sent letters to each of them requesting a validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Please remove these accounts from my report
Product: Mortgage

Noticed {$25.00} fee on my XX/XX/XXXX Mortgage Statement from BofA. When I called to inquire, they said, they had done an audit on my account. That fee is from an occurrence XX/XX/XXXX ( over 10 years ago! ) which had never been charged by my prior lender, Countryside Home Loans. Refused to eliminate the fee. Maybe BofA is in desperate need of money?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # 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 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 seven 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, credit repair services, or other personal consumer reports

TransUnion your XX/XX/XXXX response to CFPB XXXX : After careful review, we have determined your complaint includes a dispute of information appearing on your credit report. Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps. We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. If after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results document sent at the conclusion of your investigation. If you need to dispute information on your credit report in the future, you may dispute directly with TransUnion online at https : //www.transunion.com/credit-disputes/dispute-your-credit. Should you have any further questions, please contact www.transunion.com ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX merely represents your insisted continuance of 194 day obstructions of fact and deliberate participation with NMACs fraud. 

Mr. XXXX was the lessee and intended transferor. I am the falsely alleged transferee. In response to Mr. XXXX misrepresentations I was pleased with XXXX XX/XX/XXXX denied lease transfer ; one of XXXX many written evidence denials being : From : XXXX, XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX Subject : RE : XXXX XXXX Good Afternoon : I received a call back from Mr. XXXX because notes on the account say : XXXX XXXX CONTRACTCONTRACT HAS EXPIRED XXXX..WILL HAVE TO START TOL PROCESS OVER AGAIN *SENT OUT CREDIT APPLICATION VIA REGULAR MAILXXXX I never received anything back and Mr. XXXX and I assumed that it would be okay for this to come in to usis there any way that we can just run this for Mr. XXXX? 

Thanks. 

XXXX XXXX XXXX Customer Service | XXXX XXXX XXXX AS now requested by me in 91 separate written communications to XXXX and TransUnion since XX/XX/XXXX please return email a true copy of Transfer of Lease Agreement you allege to have been signed and duly executed by me ( transferee ) after XX/XX/XXXX including XXXX approval, date and title consent to this Transfer of Lease Agreement OR communicate by return email the non-existence of a true copy of Transfer of Lease Agreement signed and duly executed by me ( transferee ) after XX/XX/XXXX and immediate removal from my credit report.
Product: Checking or savings account

My card was stolen, I called and filed a dispute with Us Bank ReliaCard but the representative only put down some of the transactions. ReliaCard investigated the claim and ruled in my favor on XX/XX/2021 but only gave me a partial credit. Im owed over {$4000.00} & Us Bank keeps denying whats owed to me after their representative mistakenly didnt add all of the disputed transactions. Ive spent over {$86.00} faxing the documentation needed. Ive had two disputes since then all stemming from the first claim. Everyone in their department has handled it completely wrong. Yesterday I was told by a supervisor that he couldnt do anything so he doesnt know what I want him to do. I just want the remaining portion of my funds issued. Its almost been XXXX XXXX now.
Product: Debt collection

Last week, I notified Nationwide Recovery Systems to stop contacting me by phone. Today, XX/XX/2021, they called twice in the span of two hours trying to collect a non-existent debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish account without my written instructions.

Under 15 USC 's 1666b a credit may not treat a payment on a credit card account under an open and consumer credit card plan as late for any purpose.
Product: Vehicle loan or lease

I sent Credit Acceptance a tender of payment in the form of remittance transfer from your very own payment book that you provided, XXXX XXXX payment ( 15 USC 1693o-1 REMITTANCE transfers ) by certified mail to which you indicated in the first complaint response, that you do not honor legal tenders as well as never sending them back to me, if in fact you claim that you did not redeem. ( 18 US code section 1951 ) Which also proves that your inaccurately reporting that you received no payment is a complete deception. ( UCC section 3-306 ; UCC section 3-307 ). Credit Acceptance continues to insult my knowledge of the Federal Law, Consumer Law as well as Color of Law and Private Law. Fist violating my rights to " '' no obligation to a debt that was fulfilled by my very signature as principal. HJR 192 PUBLIC LAW 73-10. Violation of 15 USC 1611. Credit Acceptance is trying to cover up the fact that XXXX XXXX XXXX committed fraud in several aspects. I have proof for the IRS that I indeed was given another consumer 's transactional receipts and contract. I also have proof that there was no email sent to me with the original contract from XXXX XXXX. They only send a copy of the warranty. I can prove that I never received a copy of the original contract as XXXX XXXX XXXX claims. XXXX XXXX was sent a copy of the information they provided me with which was not a copy of my original contract from our consumer transaction along with my rigjghts ( 15 USC 1692 ( g ). 15 USC 1692 ( e ) 15 USC 1629 ( s ). You were paid and my car should not have been stolen, 18 USC 8 FCA.USC 1692 ( e ) and the 4th amendment.15 USC 1605.Credit Acceptance violated my rights as a consumer and as the living authorized representative of my living being.
Product: Debt collection

Earlier this year I rented a washing machine and dryer combination from XXXX XXXX. Upon receipt of the item, it contained 4 prongs and my outlet had 3. This company was notified on multiple occasions that I was unable to use the item. They attempted to schedule a tech 3 times. All of which the tech cancelled and I was advised to call for a new appointment. I then quickly moved from where I was staying and called to advise instead of a repair, they would have to pick up the unit. Upon closing out the account I told the rep, I was NEVER able to use the unit. She understood and made a note that she saw my complaint and would note to NOT send a bill. Suddenly there is a bill on my credit report for {$60.00}. I am not responsible for a unit I could not use and they were notified on multiple occasions. I would like all of my notes on my account sent to me immediately. This has caused great harm to my credit report. Selling a debt to an agency that is not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have to the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I applied a credit card with a limited time offer for vacation rental credit for up to XXXX dollars. I opened the card in XXXX, XXXX, and used the card for a XXXX ( vacation rental ) reservation on XX/XX/XXXX. The XXXX stayed was completed in XXXX, XXXX, which should not matter because XXXX payment was done in XXXX, XXXX. The total charge amount was more than XXXX dollars which should automatically triggered the credit. By now, it's XX/XX/XXXX ; way over two billing cycle as stated in the terms, and I still have not received the XXXX  dollar credit back. I made multiple phone calls and no one was able to resolved it for me on the phone. Every time I was told that they had opened an investigation ticket and there was nothing they can do.
Product: Checking or savings account

I have used the XXXX XXXX to help me get extra cash while I have been caring for my XXXX father, as well as having XXXX XXXX issues that have made me miss work. 

PNC Bank will not let me connect my account to the XXXX app, making it impossible for me to withdraw funds that I need to stay afloat.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : ... XX/XX/2016 ... .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.
Product: Credit reporting

Re : Evasion of FCRA by Equifax I requested my free annual report from Equifax on XXXX XXXX, XXXX. I provided all of the personal identification information requested, none of it has changed within the past 9 years, and all of it agrees with with what Equifax had on file at the time of their last disclosure ( on XXXX XXXX, XXXX ). More specifically, my mailing address has not changed in over 9 years and Equifax has exactly that address on file. 

I answered all of the security questions correctly. None of those questions were ambiguous. There is no possibility any of my answers could have been construed as " wrong '' and, indeed, they seem to have been accepted as correct. 

I got the following response : " We 're sorry, for your protection we are unable to deliver your Equifax Free Annual Credit Report online. '' Instead they demand I physically mail " Identity '' and " Address '' documents and that " The item you submit from the " Identity '' category MUST contain your Social Security Number and the item you submit from the " Address '' category MUST contain your current home mailing address. '' Interestingly, they have made the same demand in the past and I complied. So they already have exactly the documents they are requesting and already received them by US Mail. 
Again, my mailing address has not changed in over 9 years and Equifax has exactly that address on file. My social security number has never changed. And Equifax already has the documents they are requesting. 

It will take 2-3 weeks to obtain the report by mail ( from previous experience ). 

It appears Equifax would prefer I pay for a report or subscribe to their service to obtain XXXX electronically, and are evading the FCRA by making it as difficult and time-consuming as possible to obtain free annual disclosure. 

I want the report now because I plan to apply for credit next week. I will have to pay to see it this time. Please put an end to this evasion of the FCRA. Thank you.
Product: Vehicle loan or lease

On XX/XX/2021 Hyundai Motor Finance received a payoff on my auto loan. 
I had refinanced my home and they had sent a check to pay the Hyundai loan in full. 
Unfortunately the check overpaid my loan by over {$1000.00}. I called them on or around XX/XX/2021 to inquiry about my refund. They said that they would issue a check which supposedly they did and sent to an old address which wasn't even on the loan with them. I have since contacted them 3 times to see if the check had been reissued. The last time on XX/XX/XXXX after speaking with a XXXX, he told me that the check had on been reissued yet. All of the other employees had told me that it had and sent to my correct address and the only ADDRESS they have for this loan. I requested that the XXXX have the check reissued and sent via XXXX XXXX  to my home since it has now been over 60 days since they have been paid in full. He refused unless I gave them a XXXX XXXX #, which I don't have one. 
It seems like I am getting the TOTAL RUN AROUND and know if I was 60 days past due that they would definitely be taking some action.
Product: Mortgage

Hello, My mortgage was sold to TIAA Bank from XXXX  back in XXXX XXXX. I close on my property on XXXX XXXX. I did all my closing with XXXX XXXX XXXX ( XXXX   ) My insurance policy held by XXXX XXXX XXXX was not renew since the company is not renewing in Florida. The policy expired on XXXX XXXX, XXXX. I found out just a few days before through my insurance agent. On XX/XX/XXXX, I contacted TIAA Bank to inquire about how long I had to submit a new policy. I was advised I had 45 days to do so. I was never informed that even so, the lender had the right to place a lender policy on the property. I was never informed and took the time I had to get quotes from multi companies, install my hurricane shutter so that I could get that credit. The new insurance policy started on XXXX XXXX, XXXX which I was still within the 45 days I was told I had. 
Then I received an email a few days later charging me {$620.00} for some lender placed policy on the property. On XXXX XXXX, XXXX I called to inquire what the charge was about and I was told it was because of the insurance placed policy. I stated that on my XX/XX/XXXX call, I specifically asked about this and I was told I had 45 days to submit a new policy. Since XXXX XXXX, I had been requesting the transcripts for the call placed on XX/XX/XXXX and have not received them. I have requested calls from higher management, I have requested for them to review this situation and nothing. No calls, no transcripts to prove my case, nothing. 
The charge is going to be divided into the monthly payments with the first charge now in XX/XX/XXXX. I refused to pay such amount and it should be eliminated due to the erroneous information given by their agents. 

Closing documents name the lender as XXXX, which technically and legally does not give TIAA Bank the power to placed such charge on my account. Since the loan was transferred to TIAA Bank, I did not sign any documents adhering to their terms and conditions, nor my closing documents mention anything about any other lender, other than XXXX XXXX XXXX ( XXXX  ) to have the right to place a lender placed policy on the mortgage. 

Like I have explained to the agents multiple times, if I would have being informed correctly since XX/XX/XXXX that I called to inquire about the insurance situation, I would have gone and gotten a policy that satisfied their needs and then made changes to it. 

I have tried at least 7 or 8 times, each call takes at least an hour or more and nothing has been resolved. I have asked for higher management to review the case and review the calls and nothing. 

Loan Number with TIAA Bank is XXXX TIAA Bank also claims the policy was placed on the property since XX/XX/XXXX, but documents sent by them clearly show a policy issue date of XX/XX/XXXX which does not make sense. If they placed the lender policy on the property, why didn't I get a copy just a few days after XX/XX/XXXX? 

Please help.
Product: Credit reporting or other personal consumer reports

I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX