23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

1. The bankruptcy courts do not report to the credit Bureau so how did they get this information? It should not be on my report.

2. my bankruptcy has been discharged and theyre still showing it as active.
Product: Credit reporting, credit repair services, or other personal consumer reports

Westlake Financial is reporting a repossession on my credit report. I was never properly notified that my car was at risk of repossession. They never served or attempted to contact me. They used this strategy as punishment because I asked them to cease and desist from calling me every day when I'm just one day late. Prior to this, I had long term history-making payments to them and therefore was surprised when I walked outside to discover my car was gone without any notification. As a result, I had to pay to redeem my vehicle and additional fees. I've tried contacting them to correct this to no avail. Their practices were unfair, unscrupulous and they violated my rights by failing to notify me. These kinds of acts should be stopped.
Product: Credit card

Dear U.S. Bank Customer Service, I am writing to formally express my dissatisfaction with the recent closure of my U.S. Bank credit card account, number XXXX XXXX XXXX XXXX. I was not provided adequate notice or justification for the closure of my account, which has caused me significant inconvenience and concern. 

Most importantly, at the time of closure, I had accumulated approximately XXXX reward points. As the account is now closed, I am unable to redeem these points through the standard channels. These points represent a significant value, and I believe it is only fair that I receive the equivalent amount in a monetary form. I kindly request that U.S. Bank send me a check for the value of these unredeemed points as soon as possible. 

Please treat this as a priority and provide a swift resolution. I have been a loyal customer, and I hope that U.S. Bank can take the necessary steps to address this issue promptly and amicably. 

Should you require any further information or documentation to process my request, feel free to contact me via the details provided above. 

Thank you for your attention to this matter. I look forward to a prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ).

Because the account below is not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

Account name : XXXX XXXX XXXX  Account number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I specifically told the salesman that Im already pre approved and to not run my credit
Product: Payday loan, title loan, or personal loan

I was in the hospital and unable to communicate with the lender at that time. Once I came around and actually got possession of my phone I sent my son with my debit card and a note to make the payment for me. I did this on Monday XX/XX/2023. They refused to take the payment because I now owed more than one. I was able to get a call through to XXXX @ XXXX and explained to her that I had been in the hospital since XX/XX/XXXX and that all I had the ability to pay was the one payment, which she took over the phone. I also asked that the phone calls to my place of employment cease because we are not allowed to receive any type of personal, debt collection calls etc.. at work. ( This was also stated in the note my son had from me that they refused to accept. ) 15 U.S. Code 1692c - Communication in connection with debt collection states that : Communication with the consumer generally 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 ( 1 ) 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 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 
I was notified by my supervisor yesterday on XX/XX/2023 that they called my office 3 times and I was again counseled that I can not receive these calls at work. I feel that they are purposely causing me more distress and possible loss of employment. I am doing all I can to get better and caught up on my payments but I do not need the added stress of possibly losing my job because they continue to call my place of employment.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX : {$1500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

after several attempts to get the accuracies corrected across all three bureaus sending certified letters the only answer i get in return is verified the account is in dispute but isn't flagged for dispute balance owed is way higher than the high balance and no-one can tell me how or why
Product: Mortgage

Webster Bank lost my tax escrow money and has not paid the XXXX  XXXX  for the Town of XXXX, CT. I am now delinquent on my XXXX XXXX  and am at risk of XXXX legal action. 

I have paid my taxes through an escrow account with Webster Bank. On XX/XX/2021, Webster Bank deducted {$11000.00} from my escrow account to pay my XXXX XXXX  due XX/XX/XXXX and delinquent XX/XX/XXXX. As of today, XX/XX/XXXX, the XXXX has not received payment from Webster and I am accruing interest and potential tax liens by the town. 

I have been calling Webster for weeks to try and get answers about where my missing money is. I am getting delinquency notices from the XXXX. Webster has no answers when I call, promising to call me back, and then never calls me back. Weeks have gone by and this issue is unresolved. Webster is giving me the run around.
Product: Credit reporting or other personal consumer reports

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate. 
WC / KOALAFI 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 lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for a similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request in investigation into my account transactions.
Product: Vehicle loan or lease

This company has blatantly violated my consumer rights and has not responded in 40 days. On XX/XX/XXXX my vehicle was stolen while I was out to eat with my family by a unauthorized third party that was not a witness to the contract and had no legal ties to the vehicle. The company contracted a company to perform a skip trace on me which was not in the contract and I didn't consent to. I was behind on payments due to the pandemic and was getting the money to pay. I had the vehicle since XXXX and never had the vehicle taken before. After my vehicle was taken I called the company to see how much I had to pay and where my vehicle was so that I could retrieve my belongings. I was denied this information unless I agreed to pay a ballooned payment that included extra fees which made the amount jump from {$1400.00} to {$2900.00}. When I came up with the money to pay I was told that I would also have to pay storage fees to the tow company. The car had already been there for 20 days and I couldn't pay that as well so no information was given to me. I was never given the name of the 2 unauthorized parties ( collection company and tow company ) until after the vehicle was already sold at auction. From the moment the vehicle was taken I have received no notice of repossession which I required by law. Also I never received any notice of resale of the vehicle which is required by law. I have received no information as it pertains to how much the vehicle sold for or a remaining balance, but it reflects on my consumer report. I notified the chairman 's office multiple times about these violations and no response has been given. Also I have still yet to receive any of the before mentioned documents even after I notified them. This company is also in violation of many consumer rights defined in the FDCPA and FCRA which I will attach in a separate document. This company does not care that they violate a consumers rights and will not give a timely response for something they know they failed to comply with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACTED ALL THREE CREDIT REPORTING AGENCY TO CORRECT MY NAME AND ADDRESS ON MY CONSUMER REPORT PHONE NUMBERS
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding multiple fraudulent and unauthorized credit inquiries that have appeared on my credit report without my knowledge or consent. These inquiries are not only inaccurate but have also impacted my credit score and financial standing, causing me significant distress and concern.
Product: Mortgage

My home loan was sold to Mr. Cooper in XX/XX/XXXX. Since the beginning of working with them they were rude and deceptive. Due to the awful treatment we decided to refinance. We started this process on XXXX XXXX XXXX. During this process Mr. Cooper was misleading to our new lender and trying to keep our new loan company from completing the refinance. They lied and said our loan had been sold, they repeatedly gave inaccurate payoff amounts. Due to this delay we waited weeks to complete our refinance. In that time our PMI was paid out of escrow for the XXXX  year ( we bought the house in XXXX of XXXX paid PMI in our loan closing [ line 902 on the loan disclosure I have included ] and have paid every year since [ as the statement from XXXX I have attached shows ] ). I have attempted to get this money back but again I have experienced road blocks and lies. I was told that the PMI was for XXXX so I cant get a refund ( during this entire process to this point everyone agreed the PMI was for XXXX ). Then the agent told me they would have added it to our payoff amount anyway so why am I complaining ( I dont understand why they are entitled to this if I am closing my loan ). But on top of that they tried to charge us over {$2000.00} for additional PMI in our refinance. Mr. Cooper agreed that this was a mistake ( intentional I really believe ). The {$2000.00} is supposed to be refunded. I would also like the {$680.00} of PMI taken in error refunded. This company should not be allowed to continue to deceive buyers this way.
Product: Debt collection

MIDLANDMCM {$5100.00} MIDLANDMCM claims that I owe a debt. I have contacted them several times to provide a validation of the original contract of the debt they claimed that I owe but they have refused to respond to me.
Product: Student loan

I had set up my bank account for auto-pay with their system. When it came to the day of payment, they had cancelled my auto-pay, not sure why. I had no notification of this what so ever. I fortunately went to my account and manually paid the amount due that day, being XXXX. 

Come to find out, they reversed my payment, never notified me. I woke up to an email Friday ( Monday is when I made the payment ) to an email about my current balance, and it showed a much larger amount. I went on to check why and they had reversed the payment, no explanation given and again I was never contacted. Other borrowers that I have read about with this issue have stated that it's been ongoing and XXXX has reversed tons of payments, especially those who are trying to pay in full. I'm just trying to make my monthly payment and they clearly are not capable of handling their systems and are refusing to acknowledge wrong doing. 

Tons of borrowers are dealing with this issue directly from this provider. They are refusing to pay or reverse interest due to late payment because of this issue. I tried submitting another payment this morning. It still has not been posted to my account.
Product: Credit reporting or other personal consumer reports

I sent a debt validation letter to Midland Credit Management requesting multiple legal docs for an alleged debt and was never provided with documents. I am requesting this random debt that does not belong to me be removed from my credit report. 

I requested that they provide the following information and documentation : Proof of Debt Ownership : Please provide a copy of the original contract or agreement that establishes the validity of the debt. This should include my signature, as well as the terms and conditions agreed upon at the time the debt was incurred. 
Detailed Account History : Provide a complete and detailed account history showing the original balance, any payments made, adjustments, and the current amount claimed. This should include itemized statements for each billing period.

Verification of Original Creditor : Provide the name and address of the original creditor and the account number they used for this debt. Please also include proof that you have been authorized to collect this debt on behalf of the original creditor.

Proof of Collection Authorization : If you are acting as a third-party collector, provide proof that you have been legally authorized to collect this debt. This could include a copy of the assignment or a notice of assignment from the original creditor.

Debt Verification Statement : Provide a written statement verifying that the debt is accurate, including the amount owed and the dates of any significant transactions related to this debt.

Legal Compliance Information : Provide details regarding your compliance with state and federal debt collection laws, including licensing information, if applicable.

Cease Collection Activities : Until this debt is properly validated, please cease all collection activities, including reporting this debt to credit bureaus, as required under the FDCPA.
Product: Checking or savings account

I submitted a claim with the claim department XXXX XX/XX/2023 in regards to a fraudulent transaction claim # XXXX the bank said they will issue a credit in XXXX days after that the ban called me to say that, the other is not being responsive so your claim has not been approved.What wells fargo is doing is unethical.Wells fargo is wronging his customers many times and nothing has stopped the bank from doing that. 

The law requires the ban to issue credit investigating the issue.
Product: Mortgage

XX/XX/2018, My wife and I came across an acreage we fell in love with. With the conditions of the home and past financial difficulties in our past, we knew this was a long shot to aquire. With some research and talking with my realitor she pointed us in what we thought was the right direction. We contacted the mortgage company that could help us with an FHA 203k loan. This was around XX/XX/XXXX. The process moved along pretty smooth. With a few hiccups with contractors and insurance through half of XX/XX/XXXX. With our sites set on closing XX/XX/XXXX we had no idea how far off that dream was. XX/XX/XXXX loan was dissolved and started over the beginning of XX/XX/XXXX. With no closing date in site I was put back in the blender. More documentation, bank statements, pay stubs, Drivers licence, proof of fund 's, update my job title, question my pay stubs and why I make so much more money than last year? Did I go to school, was I educated or did I have special training? My ChXXXX comes back up, I've sent discharge documents on this months ago. I start wondering why they keep digging into stuff? Why We aren't moving forward? Now its XX/XX/XXXX, Appraisal finally gets done. They or someone wants mold remediation plan wrote up. Issues with the foundation arise. Ask for rental history verification again after 3 month. Start digging into my credit and private student loans. Making my contractor change his bid on several occasions. Starting to feel hopeless at this point. Its now XX/XX/XXXX. Wasted weeks if not months of repair time. Still feeling lucky to have contractors on board at this point. Closing? I'm thinking XX/XX/XXXX.  XXXX XXXX contractors business not registered with the state comes up after 4 months. XX/XX/XXXX stuck on mold and foundation issues. XX/XX/XXXX want paint and mold added to the contractor bid. At this point I'm furious, ready to walk away from my dream. XX/XX/XXXX XXXX sign Closing Disclosure Documents for a closing date of XX/XX/XXXX. XX/XX/XXXX XXXX? Discrepency in some figures? Sorry not closing today. Please help! I feel like I'm being set up for failure. Non of this has felt right.
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit.It 's My understanding that transunion will investigate this account for me to ensure accuracy here is the account i am asking you to verify as accurate Account name XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states consumer reporting agency can not furnished 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 and 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 card or prepaid card

XX/XX/XXXX Called Comenity Bank to payoff/close my XXXX credit card in full. Payment processed over phone XX/XX/XXXX Received a XXXX statement with a balance. Called Comenity and was told consisted of additional accrued interest and late fee ( even though they had assured me my payment in XXXX would pay off in full ). Payment processed over phone. Assured payment would zero out balance in full. Comenity reported payment 30 days late to credit bureaus flawing my perfect credit history XX/XX/XXXX Received a XXXX statement with a balance. Called Comenity and spoke to 2 supervisors. Not cooperative at all or willing to rectify error on their part