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

Bought the XXXX XXXX XXXX in XXXX for {$30000.00} and paid it off a little, It's been over a year that's I've paid it off... I used all my savings and still don't have a vehicle I can drive legally. 
promised a stress-free car purchase from big-named vendor XXXX. Now, it's most facin the most stressful time ; along with the pandemic of the virus of course. 
I have contacted XXXX-to assist with the issue of not having a title for the vehicle that I've worked so hard to pay on. 
more than 25 times I've contacted & informed each time that Bridgecrest - XXXX that my current information needed updated- Each time I had to contact again... Both company 's had old contact information- no current contact info I provided to them was out into their systems. 

XXXX- would blame Bridgecrest to why I haven't gotten my title, and Bridgecrest would give the reasoning that they sent it- even though I continued to say I didn't get the title, they had no solution, the call would get transfered... Or discounected, and this is a recurring event each time dealing with both companys
Product: Mortgage

My husband and I decided to refinance with a cash out option on our home with Movement Mortgage. We started the process In XXXX and ended up closing in XXXX. CD 's were late being delivered to us and we missed one of our scheduled closings, which caused an increase. We received a CD Disclosure on XX/XX/XXXX, which we were told was not the 'final disclosure ' but it would get our 3 day window started and that there were some fees that the lender was going to take care of. This disclosure was esigned by us on XX/XX/XXXX. A second disclosure came out to us on XX/XX/XXXX ; which was both esigned ( XX/XX/XXXX ) and then hand signed at closing ( XX/XX/XXXX ). This CD changed the amount of the cash out we were receiving, and provided lender credit. The final CD arrived on XX/XX/XXXX ; while we were on our way to closing. The title company supplied us with full copies of the XX/XX/XXXX paperwork at closing, which we hand signed and went home with ; to be funded on XX/XX/XXXX, with an amount of XXXX. When funding came through on XX/XX/XXXX ; the amount funded was XXXX. We immediately called out to the Title company because of the discrepancy, and was told that the CD was amended after/during closing by the Mortgage Company, and that they would reach out to them and see what was going on. During this time, the lender reached out to us ( on XX/XX/XXXX ) to ask for more paystub information, as they didn't get enough to complete their files before closing occurred. On XX/XX/XXXX, we received an email back from the Title Company asking us if we had heard from the lender. We had not, and forwarded that email to the lender with Movement Mortgage, and was advised that they were " working on resolution ''. Since XX/XX/XXXX, every email sent and received to/from the mortgage company just stated they were working on it ; Voicemail messages and emails to Movement Offices and Compliance Departments went unanswered. So on XX/XX/XXXX ; we sent an email to our lender advising if we did not receive a resolution that day that we would have to pursue legal advice. This seemed to have gotten a reaction out of the lending company ; because we then received an email not only stating that the additional funding was being sent for the " Tolerance Cure '' but that they cc 'd legal as well. So while things seem to be moving along in regards to the funding discrepancy ; we now have questions as to whether or not we ever received the fees that the lender said they were taking care of, the appraisal fee that we pre-paid and were to be reimbursed, and that the overall state of our refinance was done correctly. It further concerns us that our account was funded off of a CD that was sent during closing, that was never fully signed or disclosed. When we looked up what a Tolerance Cure is, it talks about a method to keep consumers from being over charged and TRID violations.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX XXXX from Global Credit and Collection Corp. continually calls my employer, even after being told he can not do so.
Product: Debt collection

This debt was purchased by Portfolio Recovery in which XXXX XXXX XXXX XXXX is listed as the original creditor. 

I am disputing this debt and I claim I have no responsibility for it. I have previously disputed this debit and asked for information to validate these debits.
Product: Credit reporting or other personal consumer reports

I have three missing closed loan accounts not showing in my XXXX credit report, I do see them in my XXXX and Experian. 

I confirmed with creditors account should be reporting with XXXX and was advised to contact the credit bureau directly. 

I have had issues in the past before I got my social security number, where the credit bureau system automatically create a credit file even without providing a social security number, this is why I am asking the credit bureau to try to locate those accounts manually as it could possibly be in a different credit file under my old address or previous name used. 

Please check attached cover letter and supporting documentation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XX/XX/XXXX Transunion TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Late Payments from Credit Report Dear Transunion : I am writing to formally request that you investigate and remove certain late payment entries from my credit report. I have reviewed my credit report and noticed that the following late payments are inaccurately reflected or need to be reconsidered for removal due to mistaken and incorrect reporting. 
The details of the late payments are as follows : Creditor Name : XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Date of Late Payment ( s ) : XX/XX/XXXX Amount : [ XXXX ] I would like to request the removal of these late payment ( s ) as part of your goodwill adjustment or due to the nature of the issue. In accordance with the Fair Credit Reporting Act ( FCRA ), I believe this request is valid and would appreciate a prompt response. 
Please let me know if you need any additional information or documentation to support this request. You can contact me at [ phone number ] or [ email address ]. 
Thank you for your prompt attention to this matter. I look forward to your timely response and resolution. 
Sincerely, XXXX XXXX XX/XX/XXXX [ XXXX ]
Product: Credit card or prepaid card

US Bank failed to refund XXXX in fees and interest to my XXXX XXXX following purchases that were disputed and ultimately refunded by the merchant. 

US Bank has harrassed me without any legal grounds by sending constant past due notices when US Bank, in fact, owes me money.
Product: Checking or savings account

Overnight on XX/XX/XXXX debits went out of my account, and credits came into the account. The account was never in negative standing however, they charged a {$36.00} overdraft fee. Account was simply never negative. 

In XXXX a similar situation happened, and I requested to opt-out of any overdraft type of coverage. Explained I do not want this coverage, and I do not want the bank to " lend '' me money and charge a {$36.00} fee. I want the transactions declined. 

I requested this again last week, and they say it is not an option. I don't have the ability to opt-out of this coverage. They have been completely unhelpful.

These 2 situations combined feels predatory and abusive as a way to generate high fees, for no reason, from clients whose accounts are not even overdrawn
Product: Credit card or prepaid card

what happen was trusted someone with a lot money in exchange for them to pay me back with in couple months but they never did
Product: Mortgage

I have an interest only loan with Bank of America that is going to re-ammoritize to a XXXX year loan. My house was hit by Hurricane XXXX and has lost a significant amount of value in addition to the housing market taking a fall. My loan is not HARP eligible which would have allowed me to refinance without an appraisal thus getting out of the high risk loan I am in now. When calling Bank of America they told me they do not have an in house HARP loan that would allow me to refinance or adjust my loan for a fee. My only options from what they said is to modify the loan. In order to do so I will go on a " trial '' payment for XXXX months. For those XXXX months they report my mortgage as late. I have worked my entire life to maintain impeccable credit. This will be devastating to my credit score. My only options beyond that are to try to sell it as a short sale or foreclose. I prefer to work within the system, I understand it is not their fault my home lost value. I just want to be able to refinance for a lower rate to make the payment more affordable. They are not willing to help. I am hoping for some advice. I have an NMLS number and have taken continuing ed. In one of the statements from the CFPB it encourages banks to refinance high risk loans with limited documentation. How do I get them to do that without affecting my credit negatively? Thank you for your time.
Product: Checking or savings account

Bank of America didnt return my payment from XXXX XXXX XXXX XXXX as stated from my email they sent. As of date, I never received the returned payment from Bank of America, back in my checking account. Im very disappointed in Bank of America stealing my funds.
Product: Mortgage

PNC is the bank servicing my mortgage current. PNC bank sent me demand note of & XXXX. Upon enquiring about the charge, PNC came back with an explanation that this was a charge from " XXXX XXXX mortgage '' back in 2015 when I asked XXXX mortgage to reassess my home and remove PMI. 
XXXX  mortgage assessed my house twice in 2015 and I remember paying for the assessment. However since this is 6 years ago, I dont have proof of that payment. 

I remember submitting CFPB complaint ( XXXX ) back in 2015 complaining against XXXX XXXX  and I thought the case was resolved. 

This now seems like a harassment because PNC bank is saying they cant go back to XXXX and I have to talk to XXXX  again.
Product: Debt collection

Hello to whom may read this, I have been working on Quality Recovery Service collection company for approximately 2 years and I requested for an removal from my XXXX credit report which debt has been paid in full. The date collection was filed on was XX/XX/XXXX, updated status is paid and full as of XX/XX/XXXX in the full amount of {$4200.00} balance is now at XXXX ( XXXX ). I have also submitted attachments far as explaining the account has been paid in full. I have worked with XXXX XXXX as well to help me remove this collection and they have challenged this collection for a year ( exact date XX/XX/XXXX ). I have made my payments for deletion and nothing has been removed. Please with your help to seek the satisfaction of removing from XXXX credit report ( see attachment )
Product: Credit card or prepaid card

Items returned to XXXX at the warehouse and the credit card company is not refunding me then the credit card company took out XXXX from my back account for the returned items
Product: Debt collection

I do not recall having this account or being associated with this company ever! The monthly payment, credit limit, and terms are missing from the report. I have disputed this account multiple times but it's still showing on my report.
Product: Debt collection

I am a victim of identity theft and have repeatedly notified the company to stop reporting incorrect information on my credit report. The company continues to harm me with intent to cause me harm. 
Credit Management Company XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX  XXXX XXXX Has reported a debt for {$2600.00} as a collection to XXXX, XXXX and XXXX XXXX. I have sent them repeated letters and to date they have ignored my request. I'm asking that the CFPB please help me with this matter as they have no supporting documentation and have intent to harm me by providing information that is false. 
The bill reported for XX/XX/year> is not mine and the company has no supporting documents as such and have ignored the matter. I have provided them with letters and advised that this is identify theft and to remove immediately as I will be seeking help from the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking at my credit report under the 3 major reporting companies, for example Trans Union, I  noticed they all had reported me as being under a Chapter XXXX on one account or another. I was under a Chapter XXXX from XXXX  until this year when it was discharged on XXXX. I had my attorney write a letter to them but it's still shows up as a Chapter XXXX on some of the account reports. My ex wife filed a Chapter XXXX in XXXX of this year just before the Chapter XXXX was discharged but that had nothing to do with me or my Chapter XXXX per my attorney and the bankruptcy trustee since the Chapter XXXX was separated between us.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting Act there are 3 Accounts : XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX and XXXX XXXX XXXX XXXX # XXXX That have 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Debt collection

I was informed of the judgements/debt while trying to purchase a home this year. I was not aware that these judgements existed. The debt is not on any of my credit reports. I was never served any documents on any of these judgements. The debt is dated for 2014, which is over 7 years old.
Product: Checking or savings account

I deposited over $ XXXX in my business checking account. This is used for cash flow and operating. The bank put a XXXX day hold on XXXX separate deposits without telling me at time of deposit. When I found out I asked them to return the deposit so I could go direct to the other bank and get funds. They refused to give back my deposit.
Product: Money transfer, virtual currency, or money service

The banking app current and I have had Very long dispute that they refuse to keep there word or follow the federal laws regulations about how this is to be handled.
Product: Checking or savings account

I am a Citibank customer currently in XXXX. I provided Citibank with a travel notification prior to my departure from the U.S. nearly 60 days ago. Despite this, Citibank has frozen my account and denied me access to my funds, which amount to {$1300.00}. This occurred without any prior warning, leaving me stranded abroad without access to my money. 

I immediately reached out to Citibanks customer service and was informed that my account was frozen for security reasons. I escalated the issue to Citibanks Executive Unit, which opened a case and assigned it a reference number. They told me the matter would take 15 calendar days to resolve, but I can not afford to wait that long due to urgent financial needs and the fact that my visa in XXXX expires on XX/XX/year>. 

Citibank insists that the only way to resolve the issue is through text message verification or USPS mail, neither of which have been effective. The text verification method fails repeatedly, and despite being told that a letter would be mailed to me, I have yet to receive any correspondence from Citibank. Ive been tracking this through USPS Informed Delivery, and no such letter has arrived. 

Furthermore, when I call Citibank, their representatives either hang up on me or state that theres nothing more they can do. This lack of communication and resolution has caused significant financial hardship. 

I urgently request that Citibank provide a temporary solution to allow me to access my funds, such as an alternative verification method or the ability to wire the funds to another account. This situation is preventing me from fulfilling financial obligations, including paying off debts and making arrangements for my upcoming departure from XXXX.
Product: Payday loan, title loan, or personal loan

In accordance with the Fair Credit Reporting act Money Lion Account # 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.
Product: Money transfer, virtual currency, or money service

Bank of America sent an email notifying that I will be auto subscribed to the XXXX XXXX  XXXX  and they will share all my debit and credit card details with them without asking for an explicit consent to do so. 
When I tried following opt-out instructions with XXXX  itself , as shown on their website I was unable to complete a request, because they never delivered confirmation code to neither phone or email I provided. 
Overall it seems like I can't opt out of XXXX XXXX, because BofA decided that I will work with XXXX because they wish.
Product: Credit reporting or other personal consumer reports

AFFIRM INC IS ILLEGALLY REPORTING DEBT WITHOUT VALIDATION OR PROOF OF HOW LATE ACCOUNTS WAS VALIDATED AFFIRM INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2024 ACCOUNTS : XXXX, XXXX This letter is to formally request that you cease and desist from reporting false late payment information to credit bureaus and other reporting agencies. It has come to my attention that you have inaccurately marked my account as being late on payments, which has had a negative impact on our credit score. 
I demand removal of this late payment. I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. It is an unfair act for late payments to be reported. It is a violation of the law, invasion of privacy, Pursuant to 16 CFR 444.4 It is an Unfair act of practice. 
Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the late debt. Statements are hearsay in the court of law. 
Who did you speak to? 
License number? 

Systems have outages all of the time. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the reporting mechanism. It is alleged until it can be proven. With no supporting evidence it must come off the report. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) We trust that you will rectify this mistake promptly and ensure that our credit report reflects accurate and up-to-date information moving forward. 

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

# greenscreenvideo experian XXXX XXXX Search I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to DELETE some of the information in my credit file ; however, there are still items that need to be DELETED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian keeps lowering my FICO scores. I called Experian twice about unrecognized inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I also called these two companies and could not reach them. Experian promised yesterday to call back but I have not gotten a call. 

I also called months ago two times regarding the Bill Negotiator. They charged me without even telling me what they have done. They promised to call back to explain but never got a phone call back. 

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

On XX/XX/2023, Experian reported a medical debt of {$290.00} from a collection agency called XXXX XXXX XXXX on my credit report from XXXX  XXXX and I live in XXXX. This was immediately disputed, as it violates the new law prohibiting medical debt under {$500.00} to be reported to a credit bureau and it doesnt belong to me. Experian should not be allowing collection agencies to report any medical debt whatsoever under {$500.00}. They are violating the provisions XXXX put in place to protect consumers. I disputed this with them electronically and verbally twice. The information has not been removed from my file and they said it XXXX take them several months to delete medical debt from all consumers credit files. This is unacceptable and they should be removing this type of information immediately when it is brought to their attention to protect consumers,