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

Auto Lease Account # XXXX During the first week of XX/XX/2023 I received a notice from First Bank dated XX/XX/2023 ( attached ) stating that the car I am leasing from them has been left without insurance coverage and that an insurance policy would be purchased by the Bank XXXX The notice also stated that if I was not interested in this insurance policy that I had to provide a double interest policy with the same terms and conditions as the previous one and a payment certification issued by the insurance company. The payment certification must show that the premium was paid in full. The information had to be provided within 30 days from the date the insurance policy becomes active. I called the Bank and was asked to provide all the information via email. I sent an email on XX/XX/2023 with all the requested information. I have sent XXXX additional emails requesting the policy information to be updated but instead I have received XXXX additional notices stating that the Bank purchased the insurance and that I would be charged {$5000.00} for this. 

The insurance policy 's renewal date was on XX/XX/2023. I made the payment to the insurance company on XX/XX/2023. The new insurance coverage started on XX/XX/2023 and I sent all of the information the Bank requested on XX/XX/2023, that is within the 30 days from the date the insurance policy became active. I have provided all the information requested in a timely fashion and still the Bank has failed to update the information and now is charging me for another insurance policy/
Product: Money transfer, virtual currency, or money service

I am filing 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 21.9 was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Loan was set-up with FHA to not include taxes or insurance. I didn't realize until insurance was due so didn't have the money and had to have forced lenders insurance and ppay my own taxes, In addition, they put PMI that stays on the life if the loan when I was told it would fall off after 22 % of original amount was met. It's a mess.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding an inaccurate late payment entry on my credit report associated with an account labeled " XXXX  XXXX and XXXX XXXX XXXX '' with Account Number XXXX. This late payment is in error, as I have never been late on any payments, and I kindly request that this erroneous entry be updated and removed from my credit report. 

The reporting of a late payment associated with the " XXXX  XXXX and XXXX XXXX XXXX '' account is entirely inaccurate. I have consistently made on-time payments for this account, and I can provide documentation to support this fact.
Product: Credit reporting or other personal consumer reports

I have sent multiple letters to Experian Credit Bureau requesting that they fix my name, address, as well as employment that is on my credit report. I have only received one response stating that they fixed it except my credit report looks exactly the same. This is extremely frustrating as I only have ONE name, address, and last place of employment.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, there is unauthorized inquires are on my credit report
Product: Checking or savings account

My account was opened on XX/XX/2023, with a cashier 's check of {$100000.00}, which I received from a trusted business associate who banks with XXXX Bank. I expected a smooth and hassle-free banking experience, but unfortunately, this has not been the case. 

On XX/XX/XXXX, I received a temporary password to access my account online. However, when I attempted to log in on XX/XX/XXXX, I was unable to do so with the temporary password. Upon calling your customer service, I was informed that my account had been placed on hold due to suspicions of a fraudulent check. I was further advised to visit a local branch to complete a new signature card because my previous signature was deemed illegible. 

Acting promptly, I visited a local branch on XX/XX/XXXX, only to be informed that my account had been closed due to the alleged fraudulent check. This decision astounded me since the cashier 's check in question was directly issued by my associate 's bank, XXXX Bank. I find it perplexing that a cashier 's check from such a reputable institution could be considered fraudulent. 

To add to my frustration, when I requested documentation confirming the account closure and the return of funds to XXXX Bank, I was met with an unhelpful and rude response from your banker, XXXX. His behavior was unprofessional and did not reflect the level of service I expected from Truist Bank. 

I heeded his advice and had my business associate contact XXXX Bank, only to discover that the cashier 's check had been cleared on XX/XX/XXXX, and XXXX Bank had not received any funds returned from Truist Bank. This situation has left me deeply troubled and frustrated. Not only has my brand new business account been closed without a clear explanation, but my {$100000.00} check appears to be in a state of limbo. 

I am writing to request immediate resolution to this matter, including a thorough investigation into the unprofessional conduct of banker XXXX. I need comprehensive answers regarding the whereabouts of my money and a detailed explanation as to why my account was closed without just cause. It is imperative that Truist Bank rectify this situation promptly to restore my trust in your institution and ensure the integrity of my business. 

I kindly request that you investigate this issue thoroughly, address the unprofessional behavior of banker XXXX, and provide me with a resolution within XXXX business days. I expect to receive documentation confirming the closure of my account and the return of my funds to XXXX Bank. 

Failure to address this matter promptly will leave me with no choice but to escalate my complaint to relevant regulatory authorities and seek legal recourse. I trust that it will not come to that, and we can resolve this issue amicably.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  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  have violated my rights. 15 U.S.C. 1681 section 602 ( a ) ( 4 ) states that I have the right to privacy. 15 U.S.C. 1681b 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

Three disputes were filed with PNC. The most recent approx XX/XX/XXXX regarding XXXX  for {$75.00}, the Second was a XXXX transaction to XXXX XXXX on approx XX/XX/XXXX for {$100.00} and the third to XXXX XXXX XXXX on approx XX/XX/XXXX for {$17.00} and change. PNC already declined two of the three without ever contacting me with questions, accepting documents related to the claims or discussing any details whatsoever. Their customer service employees in the branches and by telephone refuse to provide telephone numbers to the dispute department and state " they are a third party and they will not speak to you. '' My checking account has been overdrawn at least one week due to the XXXX and XXXX transactions and unusable. XXXX  took {$75.00} from my account though service was never started, equipment never connected, and I never lived at the address. The XXXX transaction was for a rental property application which was never processed, the individual did not contact me and tell me and it was discovered after that the business she lists as hers which she works under has been inactive since XXXX. The XXXX XXXX XXXX payment was for a newspaper subscription which I never received, not one single issue. They gave a partial refund of {$8.00} and change. PNC made me refile the claim 4 or 5 times but every time declined it saying I gave an incorrect reason for the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion to dispute some fraudulent inquiries that were on my credit that was not authorized by myself. This is my 3rd time trying to dispute these. The customer service representative wouldnt even allow me to give them the info I was trying to dispute. Below are the list of inquiries that are fraudulently being reported by Transunion. 

XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have contacted Experian multiple times regarding this issue and they refuse to correct the problem. This is the first step XXXX a taking to get this account addressed though complaints and unfortunately if they are still unresponsive I will have no choice but to get the courts involved. There is a XXXX XXXX Account ending in XXXX on my credit report that shows charged off and that i still owe money, but i have paid my debt to that company and they informed me my account is settled and they will remove the account from all three bureaus. Experian is the only one that still have not taken any action towards this matter. I have documentation from the company stating this information and they still refuse to remove the account. Also There is another account recently got added to my credit report from XXXX XXXX account number : XXXX I have already disputed this item and Experian removed it but for some reason they keep adding it back to my credit report without providing any new evidence showing this account belong to me. which is against the law. Experian continue to break the law and I will not stand for it any longer. If i can not get this issue resolved I will have no choice but to get the courts involved.
Product: Vehicle loan or lease

I took out a loan with Santander Consumer USA with a co-borrower ( aka a co-controller ), I was termed from several places of employment throughout the loan causing me to defer payments, I have been on my own for quite sometime as I have no family no unemployment benefits or any other financial assistance. I have been doing gigs under the table to stay afloat, I was evicted from my residence in XX/XX/year>, I have not been employed since XXXXXXXX XXXX XXXX I have tried all job searching methods along with all of the job applications that I submitted and employers have refused to hire me because of my lack of employment experience and stability. I have always paid this loan and other bills timely despite being homeless and sleeping in the car. I was given resources by a member of their staff via email, however they told me without any employment stability that I am not able to get into their programs which continues to leave me homeless. I am asking that the {$450.00} remaining is forgiven as the amount of ACH is all the money I will have until I get an opportunity for a job or something under the table to pay at the time. As I stated, I have no support as I have been cut off by the people in my life due to being XXXX, I have also ended up in the hospital XXXX and during a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of my financial situation causing me to have a {$520.00} medical bill and another {$280.00} for an emergency room visit that was as caused by XXXX XXXX XXXX XXXX XXXX leading me to almost XXXX XXXX and I have no insurance nor money for therapy. Despite this I want this resolved and I want the money back that was already paid in late fees XXXX XXXX excuses because other loan companies have and they are a XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Can not get into my Equifax account to change all the factors names.Correct my address and dispute.Things that are on my credit not able to get in my account.Did it multiple times can not get through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lease with Hyundia Finance, which I have paid on time for the past several years. In XX/XX/XXXX, Hyundai starting applying my monthly lease payments to property taxes without informing me and, in XX/XX/XXXX, Hyundai informed me I was 60 days late on my lease payments and I learned they reported this to the credit bureaus. I paid the property taxes upon learning about the amount due, but Hyundai continues to report me as being 60 days late on my lease payments in XXXX, which is not true and the records conclusively demonstrate that all lease payments have been paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Vehicle loan or lease

CREDIT ACCEPTANCE CORPOR SYSTEM REFLECTED VEHICLE PAID IN FULL AS OF XX/XX/2024. TITLE/ALL PAPERWORK HAVE BEEN RECEIVED BY OWNER. 
BUT, XXXX, XXXX, OR XXXX DOESN'T HAVE CURRENT PAYMENT INFORMATION AS IT HAVE BEEN RECORDED EVERY SECOND OF THE MONTH, NOR REPORT INFORMATION OF CURRENT PAID OFF IN FULL STATUS AS OF XX/XX/2024. AS OF XX/XX/2024 CREDIT ACCEPTANCE ADVISE TO WAIT UNTIL THE END OF THIS MONTH FOR REPORTING. I AM REQUESTING IMMEDIATE REFLECTION OF THE CORRECT CURRENT PAID IN FULL STATUS TO BE REPORTED. THANKS!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes and an FTC report for fraudulent accounts on my credit report. These accounts have not been deleted. 

Experian XXXX XXXX : XXXX XXXX {$120.00} XXXX XXXX {$170.00}
Product: Debt collection

I recently received a letter from ConServe yesterday, XX/XX/XXXX, stating that I owe a balance to XXXX XXXX. I drafted a letter today, XX/XX/XXXX,  and sent via certified mail to both the debt collector and XXXX XXXX stating that the debt - in its entirety - is invalid and that until XXXX XXXX produces all documentation asserting the existence of such a debt, that the debt is invalid and not to be pursued as outlined in the FCCPA and FCDA. 

However, I have been receiving calls nonstop from ConServe since XX/XX/XXXX, and they are beyond harassing and aggressive. This is a violation of the FCCPA and FCDA, which state that if a person contests the existence of the debt, that the debt collector is not to pursue the collection of the debt. ConServe has no regard whatsoever for federal law and Florida state statue, and their behavior and relentless tactics is reprehensible at best and at worst illegal.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Outdated Address from My Credit Report Dear Experian, XXXX, XXXX I am writing to formally request the removal of an outdated address from my credit report. The address in question, [ XXXX XXXX XXXX XXXX XXXX XXXX, nv XXXX ], that address is associate with a family member i never lived there, as I have since updated my residence with the creditor they stated it is not on file my correct address is [ XXXX XXXX XXXX XXXX, XXXX XXXX, ca XXXX ]. 

Under the Fair Credit Reporting Act ( FCRA ), creditors and furnishers of information are required to provide accurate and up-to-date information to credit reporting agencies ( 15 U.S.C. 1681s-2 ( a ) ). Continuing to report outdated or incorrect personal information, such as an old address, constitutes a violation of this obligation. 

To assist in verifying my identity and to help you update your records, I have included the following documents : 1. A copy of my government-issued ID showing my current address. 


2. A recent utility bill or other official document as proof of my current residence. 



I kindly request that you : 1. Immediately cease reporting the outdated address to the credit reporting agencies. 


2. Update my personal information in your records and provide confirmation of the changes made. 



Failure to comply with the FCRA can result in liability for damages, as well as statutory penalties. Please consider this letter as formal notice to address this matter promptly. 

I request confirmation in writing that the outdated address has been removed from your records and that this information has been updated with all relevant credit reporting agencies. 

Thank you for your prompt attention to this matter. If you require additional information or documentation. 

Sincerely, [ XXXX ]
Product: Mortgage

I was never credited back money owed to me for two separate issues with Freedom Mortgage. First issue is an overpayment during the payoff of the loan and was never credited back the overage amount. A payoff quote was ordered on XX/XX/XXXX for a payoff through XX/XX/XXXX. On XX/XX/XXXX the automatic payment was debited from my XXXX XXXX XXXX checking account in the amount of {$2200.00}. On XX/XX/XXXX, Freedom received a payoff check from XXXX XXXXXXXX XXXX  in the amount of {$130000.00} which is an overpayment and I am due the difference back to me. I called Freedom on XX/XX/XXXX spoke to Call Center representative XXXX who confirmed the payoff check was received and that I would get the refund credited back. I never did receive the credit back and it is 5 months later. 
Second issue is related to the escrow account with Freedom Mortgage. I never did have impounds for insurance or property taxes, I always paid on my own. Freedom force placed insurance causing an escrow account to be created in my name which was incorrect since I did have insurance coverage and provided proof of insurance. I called on XX/XX/XXXX and was forwarded to XXXX. I followed their instruction to email copy of XXXX homeowner policy to XXXX so that I could get back {$1200.00} from escrow account. I was told a check in the amount of {$1200.00} was issued payable to XXXX and {$17.00} came back which they credited to the escrow account. I am still waiting for the remaining refund of {$1100.00} which is owed to me from XXXX. I also called on XX/XX/XXXX at XXXX Hawaii Time , spoke to XXXX at Insurance Dept . I was told again to send homeowner policy for XXXX which I did. I also spoke to agent # XXXX from escrow department on XX/XX/XXXX. On XX/XX/XXXX, I called again spoke to a supervisor who confirmed homeowner policy was received but I still dont have my refund back. I am due a refund of {$2200.00} for overpayment on the mortgage loan payoff plus the {$1100.00} remaining escrow refund from XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX, FL # XXXX This is not an owed debt. During our lease the upstairs apartment flooded into ours causing major mold issues. We all ended up having to move out early and sleep elsewhere for our health. Still with us having to do this we paid our lease in full to the end date XXXX and always paid on time or early every single month. Not once were we late. Many work orders were made due to the mold that was constantly " cleaned '' or " taken care of '' that would immediately come right back. We then got sent a final bill that billing said they were taking care of with management and waiting on them to respond. I had to contact them for months when this first happened. I was under the assumption it was handled until yesterday when I got an email from this debt collector. This money is not owed to my knowledge. If anything we should be owed for our deposit we never got back when we left the place looking better than when we moved in, the mold kits we had to buy to cover ourselves in the event this would happen, the roach products we had to purchase constantly, the months we couldn't even stay there from the mold and flooding. We never asked to be credited for any of those so it's very disappointing that this is happening. I have contacted the XXXX  in regards to this as well. The apartment was unlivable and we got very sick. I have attached photos of the mold as well as our mold kit results. Also the mold was coming up from carpets that also shows in the work orders with management. The carpet was left the exact same way as when we moved in except for the mold spots that was coming from underneath that I can not control. We spent months trying to get this resolved, thought it was, but clearly never got resolved. I called the debt collector to get an itemized statement. She immediately asked for my social and I said I am not giving that out over the phone. She signed real loud then transferred me to another lady and she asked for it again and other personal info and I was like Im not giving that out and the second lady yelled " yeah she already told me '' then just started literally screaming " have a nice day '' over and over again. They already have my email and was just asking for an itemized bill to be sent to the same email they already have but refused because I would not give them my social number. Please help! Thank you!
Product: Credit card

I am a victim of Identity Theft. The person who opened this account, made all the charges on this account, made payments on this account and who is solely responsible for this account is deceased. Please close this account immediately, remove the entire balance from this account, and send me a letter stating you have done so.
Product: Debt collection

One year and a half years ago this company called XXXX XXXX company opened dispute of a account but I didnt receive proper notification or verification of debt of account.the debt wasXXXX. I  contacted them and got no response.