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

I am nearing the end of the lease agreement of a XXXX XXXX XXXX that I leased in XX/XX/XXXX. The payoff sum is in estimated to be about 11,919. Financing will not be a problem. In order to obtain the proper financing, a vehicle buyout agreement will have to be obtained from XXXX XXXX XXXX ( XXXX ). Upon speaking to XXXX XXXX XXXX representatives, they claim they will send the requested documentation and then don't. This had been on going since early XX/XX/XXXX. Attempts were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

AllI I have received is lip service. This unfair tactic effectively ties me to the existing interest rates with XXXX holding the process hostage. I am entitled to payoff this debt at my own will using my own creditors.
Product: Credit reporting or other personal consumer reports

Last year and a half or so I have checked my credit reports. I found disputes with Experian and XXXX and XXXX regarding during the pandemic I was on forbearance and they said that I would not get any kind of late penalties or anything show up on my credit report. I had paid on time for 15 years and I didn't think it was an issue I'd ask him every month whether anything would affect my credit while I was in forbearance. They said no. This bank was XXXX XXXX XXXX 

Second one was XXXX XXXX  and arrangement with them and I was not late I arranged on how much I could afford to pay and they accepted it. When I probably dispute on the incorrect information that I had late payments with one of the three credit bureaus if not all three it came back that they added an extra month of late payment. No information was ever given to me on who to contact and how to get in touch with anybody at the bank itself. 

The third was XXXXXXXX XXXX XXXX again I had arrangements made with them and they were reporting that I was late on payments delinquent in fact. 

Nothing was ever resolved there's no information for me to contact anybody at these Banks. My account was closed at all three because I paid everything off when I sold my house. even though all accounts are paid all these late and delinquent payments keep showing up. Like I said I thought during the pandemic the mortgage company was supposed to work with us. Also I have recently gotten upgrade card and they constantly offer loan consolidation products and things like that saying " don't worry it won't affect your credit " but it did affect my credit. Several times. To the point where I've had seven inquiries into my credit in a short period of time. Is things like car loans and loan consolidation or trying to maybe see if you qualify for a mortgage or pre-qualified. 

I was not really aware of these things until I put an application to rent my rental that I am in now. They would not rent to me because of my poor credit report. And I had no idea about that. I've been trying for almost 2 years to try to correct this. And it's a specific person like a XXXX XXXX XXXX that I have to catch at a certain time of day from the month or the week. Very strange. Very difficult to speak to someone who could help with this. Anyway I actually had cash so I told the landlord I'd give him six months rent up front. 

I'm denied rental places to rent because of the credit report, I'm not being able to consolidate any loans, I get pre-qualified often but then they say they're sorry but they can't help me. I need to buy a car but I don't think my credit is going to let me buy a car.
Product: Debt collection

I 've made a few payments for this debt after they threatened to deliver a subpoena for a lawsuit. The debt is valid but when I tried to find identifying information about the debt collector, I was unable to. They have been very aggressive with phone calls and threats. I believe this company does not own the debt nor are they authorized to collect. Their web site XXXX is currently inactive and parked by XXXX. I have not received any replies to my email messages either. I believe they are using SMTP spoofing to send me messages I ca n't reply to. The only information I have for them is mail address and XXXX phone numbers, but they are registered to other companies. XXXX and XXXX are the numbers I know of for them. My contact there is XXXX but he did not provide a last name or alternate contacts. XXXX XXXX is an ambiguous name. The only company. I found as XXXX XXXX or XXXX XXXX XXXX has filed for bankruptcy and is no longer in business. Business directories show the business as an investment firm, not a collection agency. It is my firm belief that this company is scamming people out of their money. I have not received any mail from them, either. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C. 1692C A Section 1 : 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 at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location. 

The debt collector has communicated with me without my express permission, it has furnished my account without my written instructions and has violated my privacy.
Product: Mortgage

BANK OF AMERICA WRONGFULLY AND ILLEGALLY FORECLOSED ON THIS HOME Banks are n't supposed to foreclose on homeowners until they 've exhausted all available loss mitigation options. Per one of my conversations with the Escalation CEO office Department, XXXX XXXX on XX/XX/XXXX, the file WAS in an evaluation process. Currently there is a scheduled sale date set for XX/XX/XXXX and we feel that the sale should have been postponed due to the ACTIVE MODIFICATION REVIEW. Even if the modification were to be denied a few days or hours before the foreclosure sale, the homeowners still has the right for a 30 day appeal time frame or to decide whether they want to do a Short Sale, Deed-in-lieu or reinstate the loan. NONE of these options was granted to the homeowner and this is violating the laws. Only 10 days before the foreclosure sale ; Bank America needed a new updated signed RMA form, Homeowners association statement and the breakdown of the payments for the creditors on the bankruptcy, and the XX/XX/XXXX income tax returns. Why did the representative, XXXX at Bank of America, neglected to tell me that even though they were asking for more documents, that it really did not matter since the sale date was only 10 days from now and that per FHA guidelines, all the documents needed to be turned in 37 days before any foreclosure sale? WE DID NOT EVEN KNOW OF MORE DOCUMENTS THAT WERE NEEDED 38 DAYS AGO, UNTIL 10 DAYS BEFORE THE SCHEDULED FORECLOSURE SALE. I called Bank of America, and was confirmed that all the documents were received and that the file was in the underwriting department and that a postponement request had been submitted since all the documents were turned in. An appointment was scheduled with XXXX XXXX, the single point of contact for XX/XX/XXXX. 
On XX/XX/XXXX, I spoke to XXXX XXXX, for which he advised me that all the documents were turned in with FHA and that a postponement was submitted that past Friday XX/XX/XXXX and that the chances of the sale to be postponed were " pretty good since all the documents were in '' Nobody during our previous conversations, including XXXX XXXX, had told us about that specific 37 day time frame plus of any other documents needed until about 10 DAYS BEFORE THE FORECLOSURE SALE DATE. 
It 's not supposed to work that way. Under the federal program, which requires servicers to follow a set of guidelines for modifications, servicers must give borrowers a written denial before foreclosing. Bank of America is breaking the laws and not abiding by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an account left that needs to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal credit union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair, and request an investigation into my account transactions
Product: Credit reporting or other personal consumer reports

I have collections on my credit report that do not belong to me. I have tried to dispute these with evidence due to identity theft but the credit bureau continues to say these belong to me.
Product: Debt collection

This collection appeared on my account with no known information. I have never done business with this company.
Product: Credit card or prepaid card

Regarding Complaint ID # XXXX : THIS IS NOT A DUPLICATE COMPLAINT! 

The previous claims submitted were denied EXCEPT the first one! The remaining claims STILL NEED TO BE ADDRESSED THOROUGHLY! They were denied due to payments delayed due to change of address of your processing center. 

Per the attached statements, the address was not corrected on my statements until the XXXX statement! These payments required additional time to process, but not due to MY PAYING LATE!! How was I to know the address changed without notification until XXXX? 

Therefore, ALL interest charged on XXXX statement, {$17.00} : XXXX statement, {$10.00} ; and XXXX statement, {$7.00} should be credited back!
Product: Credit reporting or other personal consumer reports

XXXX : Contacted the XXXX number on the back of the XXXX XXXX  to report the card lost. 

XX/XX/XXXX : Let them know that we have not received a new card and to close the account. 

XXXX XXXXXXXX : The card had a XXXX balance and they charged us with an annual fee for a credit card that we asked to close back in XXXX. We refused to pay the annual fee due to the fact that we did not have a card and again had asked to close the account multiple times. 

XXXX XXXX : Called XXXX  multiple times asking to speak with a supervisor with no answers. They DID NOT HELP US. We were speaking with call centers overseas. 

XX/XX/XXXX : They sent the account to collections, the {$90.00} annual fee turned into {$210.00} and I contracted the collection company and asked them to remove it. They did not and I paid them {$210.00} to remove off his credit report. This only removed what they reported and not what XXXX XXXX reported. 

XXXX XXXX : XXXX XXXX XXXX  and spoke with a XXXX several times. She has indicated they she has contract the appreciate department and they have not responded.
Product: Mortgage

Select portfolio serving is saying I 'm late default of morgage even though I 'm not holding funds in suspense never applied it like they should and not reflect in principle balance correctly!
Product: Money transfer, virtual currency, or money service

I cancelled a Western Union wire and did not see disclosure that transfer fees would not be reimbursed until after I completed the cancellation. The disclaimer, if listed on previous pages, was very small and unnoticeable to the point where it may as well have not been disclosed.
Product: Credit card or prepaid card

I am trying to report scam email looking to commit fraud by having chase consumers log in with their credentials. It inevitably led me here, which doesnt feel right. 

I am not a chase member but still got the email.
Product: Credit reporting or other personal consumer reports

I disputed incorrect, inaccurate, and fraudulent information on my consumer credit reports with XXXX, Equifax, and XXXX several times in 2023. I sent written disputes multiple times in 2023 in the mail regarding the fraudulent account with XXXX XXXX  on my personal credit reports. I received responses from all three credit reporting agencies showing the item was verified and remains. I requested as per my rights under Federal Law with the Fair Credit Reporting Act ( FCRA ) proof/verification of this item in writing. All disputes were mailed to the credit reporting agencies in writing multiple times in 2023. I requested proof of the investigation from the credit reporting agencies multiples times in writing in 2023, which I am entitled to have under the FCRA upon request. I also requested in writing multiple times, proof supporting the credit reporting agencies decision to leave the item on my report as " Verified ''. I requested proof of verification that this item was authorized in writing. I also requested proof in writing showing original signatures of the item XXXX XXXX  XXXX was authorized by me. The credit reporting agencies have continued to ignore my requests in writing, they only respond with " we verified this items belongs to you ''. There is no supporting documentation offered that verified any proof of this item being valid, no supporting documentation in writing showing original signatures authorizing this item. Since the credit reporting agencies can not provide proof of their investigation or proof of the item belonging to me, I requested multiple times the item be removed from my credit report and this would be in compliance with the FCRA. I have not received any written documentation proof and the item remains on all three personal credit reports on XXXX, Equifax, and XXXX after having submitted multiple written dispute requests in writing to all three national credit reporting agencies.
Product: Debt collection

My personal information shows up on the Dark Web from XXXX data breach. I have attempted to dispute on credit report several times. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX Account Number XXXX Name I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Date Opened XX/XX/2019 Responsibility Individual Account Account Type open Loan Type XXXX XXXX Balance {$290.00} Original Amount {$290.00} Original Creditor XXXX XXXX XXXX XXXX  Past Due {$290.00}
Product: Credit reporting

There is a Foreclosure & a Bankruptcy on my credit report. The foreclosure has not been foreclosed and probably never will because it is fraudulent. The Bankruptcy was caused as a result of the fraudulent foreclosure. I am consulting with attorneys to start a damage claim lawsuit against the mortgage co. I believe these items should be removed from my Credit File and Reports due to the fraud charge. These circumstances have caused a very negative impact on my credit and life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax YOU BROKE THE LAW!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, XXXX, Account name : XXXX XXXX XXXX, XXXX, Account name XXXX XXXX XXXX, XXXX : Account name : XXXX XXXX XXXX, XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My closing is set for XXXX today I received a call from the title company that I need to wire {$11000.00} to close NACA is a non profit that advertises no closing cost. I started the process with NACA almost 3 years ago. My process was deliberately delayed by XXXX Washington at NACA, time after time causing me to pay much more for the loan in terms of a higher rate and funds I needed to buy down the rate. On the closing disclosure I received after hours on XX/XX/25 it states the XXXX XXXX XXXX is giving or crediting NACA in excess of {$12000.00} why would XXXX receive {$12000.00} from the builder and I wire XXXX to the title closing company? This makes no sense. No closing cost is no closing cost which is a bedrock of NACA advertising.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns regarding Zelles handling of disputes Particularly in light of the recent CFPB Lawsuit, highlighting significant issues With the platform I have used Zelle plenty of times Add Reporting discrepancies with my financial Institute and zelle failed to investigate my claims They informed me that recovering loss forms was impossible And the tracking These transactions were unfeasible The CFPB findings indicate Velle has not only neglected To protect consumers, but also Allowed repeat Offenders to exploit the system Leaving users vulnerable to scams This lack of accountability and transparency Is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX Balance Owed : {$680.00} ; XXXX  XXXX XXXX Balance Owed : {$190.00} ; XXXX  XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$27000.00}.
Product: Money transfer, virtual currency, or money service

I received a home equity line of credit from XXXX XXXX XXXX XXXX in XXXX Oregon. I used some of the money to pay off my XXXX XXXX account. A cashier 's check # XXXX in the amount of {$14000.00} was mailed to XXXX XXXX, XXXX XXXX XXXX, XXXX, IL. XXXX Ref XXXX. Bank of New York Mellon fraudulently cashed the check and deposited the funds into their bank. Both myself and XXXX have contacted Bank of New York Mellon and as of today ( X/XX/2017 ), 55 days after they stole the money they have not refunded anything. XXXX has loaned me another {$14000.00} so I could pay off the XXXX account so now I 'm still on the hook for the missing {$14000.00}. I want my money back NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

They have the wrong information and dates wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have violated all my rights.

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

15 U.S.C 1681 section 604 A Section2 : it also states a consumer reporting agency can not furnish a account without my written instruction
Product: Consumer Loan

Toyota continues to report 120 day lates on my credit report even tough the date of last activity XX/XX/2009. This is illegal and needs to be addressed and rectified. I have tried multiple times through the credit bureau dispute process without resolution so I am asking you step in and make them correct the reporting
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries/account. Block and remove them.

15 U.S.C 1681 Wrongfully added/Incorrect spelling personal information : 1 name. 1address. 1number 1dob XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year> Charge off ; XXXX XXXX, XXXX XXXX XXXX  XXXX, US Dept of Education : XXXX XXXX ; XXXX XXXX XXXX and XXXX XXXX XXXX Inquiry ; XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) Submitted dispute to all three reporting agencies in XX/XX/2019 regarding Syncb ( Synchrony Bank/Paypal ) 2 ) The company, Syncb verified as reporting correct 3 ) Contacted Syncb directly XX/XX/2019 ( certified mail ) to investigate incorrect reporting info ( re-ageing account ) ( pay history ) 4 )  Contacted Syncb directly at different address per credit reporting address on XX/XX/2019 ( certified mail ) 5 ) Received response from Syncb advising sold account to XXXX XXXX, they did not address dispute issue ( re-ageing ) ( pay history ) 6 ) Submitted letter to Syncb XX/XX/2019 ( certified mail ) disputing account after dispute findings per FCRA 7 ) Syncb replied with letter dated XX/XX/2019 to contact XXXX XXXX 8 ) Sent reply letter XX/XX/2019 ( certified mail ) intent to sue letter
Product: Credit reporting or other personal consumer reports

I have presented Experian with documentation to prove that the accounts below are fraudulent accounts and they refused to remove them. If this is not removed on this attempt I will use litigation to get results as I see that CFPB is currently suing Experian for this EXACT reason. 

The following accounts are pertaining to the reports : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX Please remove the above accounts from my report because of this Identity theft. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account opened XX/XX/XXXX for credit limit {$4800.00} charge off XX/XX/XXXX {$5600.00} Would like this account removed from my credit report as soon as possible. If not please send me proof of this account.