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

I returned a XXXX XXXX XXXX in XX/XX/XXXX. The lease was not up until XX/XX/XXXX ; however, I returned it early in connection with leasing a new vehicle. The new vehicle is a XXXX XXXX XXXX XXXX. Both leases were through XXXX XXXX XXXX. 

The dealership promised to pay all remaining amounts due on the lease ( excluding excess wear and tear ). I received confirmation several weeks later from XXXX XXXX XXXX that no further amounts were due on my XXXX XXXX when I received the next statement that showed a XXXX  balance. 

In XX/XX/XXXX ( 5 months after returning the vehicle ), I received a bill from XXXX XXXX XXXX for {$310.00}. There was no documentation explaining why I owed this amount. I tried calling XXXX XXXX XXXX but could not get through. I left a message but no one ever returned my call. This was the first I ever heard that any amount was owed on my XXXX XXXX. 

Approximately, 3 weeks later, I received a call from a debt collection agency ( XXXX XXXX ). I explained the situation and told them that I was contesting the bill. They said they would put it in for challenge. I did not hear from any one again until XX/XX/XXXX when XXXX XXXX called me again. I once again told them that this was to be challenged and they told me they would come back to me. 

I finally received a letter on XX/XX/XXXX from XXXX XXXX. It included a description of amounts charged by XXXX XXXX XXXX and amounts paid. It ends with a balance of {$310.00} ; however, it never explains why these amounts are owed ( e.g. missed lease payment, fees, damage to vehicle ). It also claims this letter was sent to me on XX/XX/XXXX ( 4 months after lease termination ) ; however, I never received it.

On XX/XX/XXXX, I was finally able to reach someone at XXXX XXXX XXXX. They told me the amounts owed are for a missed lease payment. I explained to them that the dealership had agreed to pay all go forward lease payments. They told me " that was my problem '' and tried to connect me ( again ) to XXXX XXXX. I called the dealership and they told me that all lease payments were made. 

XXXX XXXX XXXX has submitted this issue to credit agencies and damaged my credit score.  They have also told me I owe money on a lease ( 5 months after lease termination ) but never provided me with any disclosure as to why I owe this money. They also will not even discuss this issue on the phone with me. I would like to know whether this is truly my obligation to pay and would like my credit score repaired. I would also like to make sure that XXXX XXXX XXXX provides full, adequate and timely disclosure of amounts due by their customers.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXXholder filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681O - XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681O - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Delete this account. 

7. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX 9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account.
Product: Bank account or service

My name is XXXX XXXX XXXX Social is XXXX Checking account is with 5th 3rd bank Trying to close from last 3 months but they are not closing it. Have worst customer service.
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 the lagging posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX 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: Debt collection

On XX/XX/XXXX Professional Placement Service called twice before XXXXXXXX XXXX using an automated system saying they are a debt collection company and requesting me to call XXXX. Caller ID has Professional Placement Service. I didn't call the number since they don't mention a person 's name that the debt is regarding. This robocall is calling a business phone number. The posts on the internet from XXXX XXXX website said that this is a scam.
Product: Credit card or prepaid card

On XX/XX/2020 I called and spoke with a lady at XXXX Capital One inquiring about a payment plan to get caught and removing of negative reporting for my credit report. The lady I spoke to said they didnt do payment plans they only did something call snowball effect. I said okay sign me up. She then said she would notate my account the different payments that were generated from the computer i would have to pay each much. I have paid the computer generated amounts every month but for some reason XXXX  capital one is still reporting negatively on my credit reports and that is a problem for me since I am doing everything they or rather she suggested I do.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello, I logged in to my account and saw some unauthorized inquires on my account, I called in and they told me to attach my FTC report, my ID and social security card to my letter and they'll get it removed. in my supporting documents is everything that I understand that needed to be submitted. please remove these unauthorized inquiries off my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX Account name : XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - account charged off and paid in full. Credit agreed to remove from file XXXX XXXXXXXX XXXX - paid in full closed, creditor agreed to intent to delete from file
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following XXXX Accounts listed below, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX date opened XX/XX/XXXX XXXX  XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX TRANSUNION XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I think this is a bogus debt collection agency, they are fraudulent. I think a crook bought up my debt with stolen government many years ago. I went to XXXX in XX/XX/XXXX. Some crook from this school bought that and all my debts. He or she gets into all my accounts. He is now using a phony " Sunrise Credit Services '', collection agency. He seems to either be part owner or in some type of conflict. 

He is now trying to collect in fraud {$87.00}, that I DO N'T owe XXXX cosmetics company. He 's gotten into all my accounts, and seems to be the person stalking me. He XXXX be breaking in, and hacking my computer. I am a XXXX XXXX, I sent about {$87.00} dollars worth of cosmetics back to XXXX, a feww months ago. He or she must also work at the XXXX XXXX where I mailed the box back. These boxes are picked up by XXXX weekly. He or she could work for XXXX, the XXXX XXXX ; XXXX XXXX, XXXX. CA. XXXX and several other accounts I have. He or she recently got into my Zazzle.com, account small online gift shop, taking from that. 
I do n't think Sunrise Credit Services is credible. This person is associated with many credit collection agencies. He or she is getting money on both sides of the fence. XXXX itself is also charging me about the same amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block and remove these accounts ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Debt collection

Calls from Portfolio Recovery service multiple times a day for several days. I do not have any outstanding debt so there is no reason for anyone to contact me regarding debt collection.
Product: Credit reporting or other personal consumer reports

They drop my score for no reason and have a old account for XXXX That was proven not mine They still showing student loans that have been paid off
Product: Credit reporting or other personal consumer reports

I am the agent XXXX, XXXX XXXX for the Principal XXXX XXXX making an attempt to opt of reporting services for the XXXX  XXXX XXXX Account Number XXXX with Experian. The Fair Credit Reporting Act or 15 USC 1681 section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Experian is a consumer reporting agency and I am the consumer, a natural person. As the consumer, I have the right to ensure my private information is not shared pursuant to 15 USC 6801. 15 USC 6801 states that It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. In this case, XXXX XXXX is a financial institution by definition in accordance with 15 USC 6801.

15 USC 1681 section 604 ( a ) section 2 references In general Subject to section ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX who is the financial institution and the consumer reporting agency reporting on this account ( Experian ) DOES NOT have my consent to furnish this information or my written consent. Any and all consent to Experian, and XXXX XXXX whether verbal, non-verbal, written, or implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non public financial information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX XXXX has never informed me or notified me of my right to exercise my non disclosure option. 

Additionally, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is in fact an adverse item they are reporting without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) states that 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 information is inaccurate. Furthermore, 15 USC 1681 ( e ) states that Every customer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Public Law 90-321 expounds on Title 15 Section 1681 and states consumer credit should only be pulled for Child Support provisions Finally, 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( DEPT OF EDUCATION/ XXXX ), ( XXXX XXXX XXXX  ), ( XXXX XXXX ) has violated my rights. 



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



15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 



Please delete the following accounts : ( DEPT OF EDUCATION/ XXXX ), ( XXXX XXXX XXXX ), ( XXXX  XXXX XXXX )
Product: Bank account or service

After my mother passed away in XXXX, 2016 I received XXXX from her will. I asked my accountant what he thought I should do with it. He recommended that I should put it into tax free municipal funds. The XXXX was initially put into my checking account at TD Bank. I went into a TD Bank branch and a customer service representative told me that he could help me with tax free mutual funds. He ended up putting {$180000.00} not {$190000.00} into a life insurance product from XXXX XXXX XXXX. He got my signature on pages that were misrepresented as tax free mutual funds. I returned to the same TD Bank branch and found that that same representative no longer worked there. I went to the branch because I needed some funds for medical expenses ( I have XXXX XXXX ) and educational expenses for my son in college. I found out that I do n't have any tax free mutual funds but an insurance policy. I believe that I was given the wrong information by TD Bank and lost XXXX to a product that was misrepresented.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a SS # mixup dispute ( between my XXXX and my SS # ) with XXXX on a student loan with XXXX XXXX XX/XX/XXXX. They sent a copy to XXXX but XXXX wouldn't remove it. My sister called to follow up and they required addtional documentation which my XXXX uploaded on XX/XX/XXXX. We have been following up regularly and everytime we call, they say a few more days. They won't talk to me even if its my SS to follow up on the status. On XXXX they said XXXX days. On XX/XX/XXXX they said XXXX days. Yesterday they said a few more days. How long does this take! they have all the documents they need!
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my credit card statement in full to BANK OF AMERICA to only find out 2 months later that they had charged me a {$1.00} in interest, I guess due to timing of that payment. But because i did not know that there was the small charge, i was charged a late fee of {$37.00} dollars. I did not know I owed this so i did not check my credit card statements until i got a letter dropping my credit limit from {$12000.00} to {$500.00} and they put a late mark on my credit report. I had a credit score that was around 780 but now it has dropped to a XXXX. Really irritated, because i always pay my bills. What i did on this credit card was set it up for automatic withdrawals so this would not happen again. However, I do plan on canceling this card due to the unprofessional responses and lack of concern when i talked to Bank of America. I have a feeling that they could care less about me being a customer. The reason i feel this is that i pay most of my statement balances in full so they are not making any money on that. I have ran some balance in the past with them, so they should see me as a valued client. I have over XXXX airline points with them so I can not cancel this card until i use my rewards. BUT BELIEVE ME, I WILL CANCEL ONCE I USE THOSE AIRLINE MILES. All consumers need to be aware of Bank of America. I have accounts with XXXX, XXXX XXXX, XXXX, and XXXX. I have never had these types of issues with them!
Product: Mortgage

I was affected by Hurricane Ian severely. It has been 7 months, I need a roof and many other repairs to my home. XXXX XXXX would not pay for all the repairs so I agreed to a settlement amount and they sent me a check. Movement Mortgage is holding the check that I overnighted on XX/XX/23 for them to endorse so I can fix my home ( especially the roof before rainy season is here! ) Movement Mortgage refuses to release the check stating they need itemized statement from XXXX XXXX and the Public Adjuster I had to hire. I have been advised we do not have that in this case due to the settlement amount. I call daily and today I missed work and have called all day and still no help! Everyone says something different is the issue. I can not speak to a supervisor and literally have spent all day on the phone with nothing accomplished, just more excuses. Can you please help me get the check released so I can finally repair my home damage?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Debt collection

The United Services Automobile Association ( USAA ) charged me exorbitant auto insurance rates for three vehicles, increased the already exorbitant insurance rates unbeknownst to me in the middle of my policy days after the original quote and implementation of the policy, demanded that I pay the newly increased amounts in my monthly premium payments, accepted my XX/XX/XXXX premium payment, informed me that they would not refund the payment and that my auto insurance policy would be cancelled if I did not pay the remaining excessive charges that do not include a regular monthly premium payment. Policy effective date : XX/XX/XXXX thru XX/XX/XXXX. The exorbitant premium was charged to a XXXX XXXX XXXX shown on my declaration page in the amount of {$1300.00}, and a hidden additional amount of {$2600.00}, an {$830.00} increase, was stated in non-conspicuous place on a separate page. I submitted monthly premium payments to USAA each and every month of the policy as follows : {$370.00} XX/XX/XXXX ; {$420.00} XX/XX/XXXX ; {$420.00} XX/XX/XXXX ; {$420.00} XX/XX/XXXX ; {$210.00} for ( only two cars after removing the XXXX  from policy ) XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 12 months I have sent information to Equifax asking them to VALIDATE XXXX XXXX that has been added to my credit report. The only response I am getting from Equifax is verified.