23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I refinanced my loan and the funds came out of rescission on the XX/XX/XXXX, the title company wired the funds to the lender on XX/XX/XXXX for the payoff but they had transferred the servicing to loan care at this time. So onXX/XX/XXXX XXXX wired the funds to Loan care. On XX/XX/XXXX I called Loan care and they could not find the wire so I called XXXX back and they again confirmed that they wired the funds to Loan care on the XX/XX/XXXX. I was told I had to get the wire confirmation from the title company to help Loan Care located my funds, which I did and they were able to " find '' them. They told me the payoff would post that night on the XX/XX/XXXX. I told them that they needed to backdate the payoff for the date that they received the wire, and not the day that they found it. They said they do not have to and wont. I asked to speak to a supervisor and he agreed that the payoff did not have to be backdated. The funds were originally received for the payoff on the XX/XX/XXXX by XXXX and sent to Loan Care on the XX/XX/XXXX. I should not have to pay interest because they couldn't find my payoff.
Product: Checking or savings account

On XX/XX/21 my son was scammed on XXXX and deposited and wired money which was all fraudulent. He notified BOA soon thereafter and they open a fraud case and froze his account. Unfortunately my wife is co-signed on that account and they froze all of the accounts she is signed on a total of 9 including our personal account since XX/XX/21. We have called5-6 times waiting for this to resolve but they will not release our funds - milk, mortgage, car they have frozen XXXX dollors
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, Consumer and natural person am a victim of identity theft. XXXX, equifax and XXXX  has used and furnished my consumer report without my authorization, consent or written instruction. They have neglected my rights as a consumer by allowing companies to to share my non public personal information without my consent, as well as using that information to furnish a fraudulent consumer report on my behalf. Congress makes it clear that as a consumer i have a RIGHT TO PRIVACY. These credit reporting agencies also known as financial institutions have violated my federally protected rights as a consumer with right to privacy by failing to meet the needs of congress by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information. The FCRA was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the consumer rights to privacy. These agencies are in direct violation of the FCRA and Gramm Leach Bliley Act of 1999.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cfpb reinvestigation complaint 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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX .However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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: Debt collection

I continue, for the past two years, receiving invoices from Midland Credit Management , Inc. ( a debt collection company XXXX XXXX XXXX, XXXX, account number ending XXXX XXXX XXXX XXXX XXXX  - Amount : {$340.00}. I tried contacting XXXX at the XXXX number on the invoice over a year ago and when I gave them the last four digits of the Acct. #, they promptly asked me for my social security number ( the person answering the number had a foreign accent ). I hung up realizing the invoice was a SCAM. I pay all my bills on time and do not owe anyone any money and never had a credit card or other account with the four digit account number given on the invoice ( XXXX ). They continue to send me invoices each month, with three options to pay off the {$340.00}, 10 % off, 5 % off or build your own plan. What I find very odd, is they put this invoice each month in a different type of envelope, sometimes big ones, sometimes colored ones which makes me not know who the mail is from, which requires me to open it rather than toss it as SCAM. Please arrange to look into this company. If anything were to happen to me, my estate would think I owed the money, and I do not. I want these scam invoices to stop being sent to my address. There is no return address on the incoming envelope, making it impossible for me to " return to sender. ''
Product: Debt collection

LVNV FUNDING LLC is claiming that I owe them {$1200.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

I purchased a    XXXX   XXXX      from  Toyota f inance company around     XX/XX/XXXX - XX/XX/XXXX . In to the loan I ran into financial problem. I was taken to court and I was hit with a Child support bill and back pay. That crippled me for about 6 months. I could make the payment so I called and told toyota to come pick up the  XXXX . They came and got the  XXXX  and sold the  XXXX  at a auction and sent me a bill of  XXXX  to pay for the  XXXX . If i had  XXXX  to pay i would have kept the  XXXX . Now I have this law firm    XXXX   XXXX   XXXX   XXXX    harassing me. After the first time th ey where rude on the phone i blocked their number so I would not get calls from them. Then I went to pay m y Auto lo an online this month and it was denied. I called the bank and they told me that  XXXX   XXXX   XXXX   XXXX  has a lien hold on my bank account and will not let me take out any money. With no access to any money what can I do?
Product: Credit card

On XX/XX/XXXX, I made a payment of {$1600.00} to my Best Buy Visa credit card. This amount included {$180.00} for the minimum payment and {$1500.00} specifically intended for my promotional balance. Additionally, {$140.00} was supposed to be allocated to the promotional balance from an excess payment made in XXXX. To ensure proper allocation, I contacted Citibanks allocation team directly, explained my intent, and was repeatedly assured that the {$1500.00} would be applied to the promotional balance. I even recorded the call to confirm these assurances and clarified that the remaining promotional balance after payment would be {$720.00}. 

However, upon reviewing my account on XX/XX/XXXX, I discovered that only {$140.00} had been applied to the promotional balance, while the {$1500.00} was incorrectly allocated to an interest-bearing loan. I immediately contacted the allocation team, who acknowledged the mistake and promised it would be corrected within XXXX hours. Despite following up several times and being reassured on each occasion that the adjustment would be made, the funds were never properly allocated. On XX/XX/XXXX, I was informed that Citibank could not apply the {$1500.00} to the promotional balance, despite my clear instructions and compliance with their stated procedures. 

In an attempt to resolve the issue, I visited a Best Buy store and spoke with a customer service representative. They informed me that they were unable to assist because the credit card is managed by Citibank. However, the representative acknowledged that this is a common issue raised by other customers seeking resolution. They expressed frustration, noting that the issues are so prevalent that they would like to see Best Buy switch banks for their credit card services due to the volume of customer complaints. 

This improper allocation is a repeat of issues I raised in a previous CFPB complaint regarding deceptive practices and lack of disclosure by Citibank. Despite following their outlined procedures, including calling the allocation team, checking necessary boxes for payment allocation, and making the payment well within the billing cycle, Citibank failed to allocate the funds correctly. Their delays and inaction appear to be deliberate, likely intended to force me to incur interest charges when the promotional period ends on XX/XX/XXXX. 

This experience highlights systemic issues in Citibanks payment allocation process, including deceptive practices, lack of transparency, and failure to honor customer instructions. The feedback from Best Buys in-store representatives underscores the broader impact of these issues on their customers. I request immediate intervention to ensure the proper allocation of my payment and to hold Citibank accountable for these repeated violations. 

As you can see in the attached document, only {$140.00} was allocated to the promotional balance while the remaining {$1500.00}, while registered online, was not allocated to the promotional balance along with the {$140.00}.
Product: Consumer Loan

Westlake financial wont take payments by any means. They lied and said my moms check bounced and were trying to charge a XXXX dolloar insufficient funds charge. My mom went to the bank and the bank said " westlake lied and never even processed the check ''. Westlake states they take paymentd through XXXX, XXXX XXXX, but refused tsking payments through these means as well. Its like the company refuses to take paymenys just so they can repo vehicals. A guy came to my home and threatened that he was calling the police and sat outside for a half hour and then left. I demand an auto bailout from westlake financial
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In accordance with the Fair Credit Report Act XXXX  Account : XXXX Amount Collect : {$400.00} from Creditor : NATIONAL CREDIT SYSTEMS, 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.
Product: Debt collection

Below is a list of requirements and violations of the FCRA Act and my consumer rights against National Credit Systems IncXXXX XXXX XXXX XXXXXXXX XXXX. XXXX GA XXXX Statute of Limitations in Florida Written Contracts : 5 years Oral Contracts : 4 years Request for Purchase Agreement required for validation. 

Debt Validation Requirement According to Section 809 ( b ) ( 3 ), as a consumer, I am entitled to request debt validation. You are required to provide the validation and the address of the original creditor within 30 days of such a request. 

Absence of Proof and Presumption of Nonexistence of Debt No proof has been provided to establish the debt as per the doctrine of laches and estoppel by silence ( Engleback vs. Grant, Md. 237 A2d 710 ). Consequently, I am led to presume that there is no substantiation for the alleged debt, and thus no such debt exists in reality. 

Privacy Violation and Unauthorized Reporting Under 15 U.S.C. [ section missing ], I am not recognized as owing any debt. It appears that there is a violation of my consumer rights to privacy in accordance with 15 U.S.C. 1681 ( b ). Furthermore, this company has not obtained my express oral or written consent to report any information, which is a requirement under 15 U.S.C. 1681c ( a ).

Evidence of Reporting Inaccuracies I possess photographic and video evidence of inaccuracies that have been reported and demand these to be rectified and deleted as per my legal rights. 

Infringement of 15 U.S.C. 1681b The permissible purposes of consumer reporting as outlined in 15 U.S.C. 1681b are being violated. A consumer reporting agency may only furnish a consumer report under specific circumstances as delineated in the statute and no other.
Product: Debt collection

Hi CAINE WEINER COMPANY ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Debt collection

Got hit by a truck that swerved into my lane, insurance company took most of the money for themselves and gave us option of either getting {$800.00} and they don't pay hospital debt or we basically get nothing. We chose to get the {$800.00}. The debt has been resold 3 times now and has hit our credit each time. 

If not for this collectiobs/ reselling stuff my credit would be over XXXX, right now it's dropped to XXXX. 

I can't afford to pay this and it has been over 5 years now since the accident.
Product: Consumer Loan

i have a loan XXXX the company states that I verbally gave them collateral ive missed XXXX payments now the company is calling threatening to have me arrested on a XXXX felony I get ssi as my only income
Product: Checking or savings account

I had lost access to my account, I had the same email for years and it never changed so I didnt get any letters from them in a while. Back in XXXX they starting saying they couldnt send me any emails even though the email they had on file was still active. I had overdraft fees and other fees due to bills being resent to be paid even tho the funds wasnt in there so XXXX had fees piling up and no way to get it resolved it due to Wells Fargo not having a branch in my state. I now see that they have a settlement that I may be eligible for but they still havent sent any letters to my address or email stating my account status as of now
Product: Debt collection

XXXX XXXX called me on XX/XX/XXXX at my job about a debt. I asked him to contact me on my cell after work, he did not call. Then on XX/XX/XXXX he called me back but I was not able to call him back by XXXX, my plan was to call back as soon as off today before XXXX to discuss what was happening. on XX/XX/XXXX XXXX decided to harass and call my main job multiple times as well as the company 's owner, he was very rude and harassing to my co-workers as well as discussed and told them he is trying to send over wage garnishment paperwork specifically for me. He also told them he tried to serve me papers 3 times to no avail which is not true, nor have I received ANY documentations of this supposed debt which I need due to all the scammers trying to steal money that is not owed to them. Due to him telling them all this they decided to ask if this has been processed through the court system which he replied yes and to check with our local courts. They called to let me know if all this so I called our local magistrate which said if I did have wage garnishments, they would be the ones to serve the paperwork, not someone in NY. They then did a search and said that no one has any pending or past cases towards me. This person is harassing my job and coworkers while telling them these things about me all while I have no documentation as to why or what he is saying is owed as nothing has been mailed to me or brought to my attention.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXXXXXX Balance : {$1800.00}
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, l was charged fees due to lagged posting of charges and credits.Tgis issues align with the recent CFPB findings against Navy Federal for similar practices, where transactions set with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting

Experian is reporting XXXX tax leins on my credit that are not mine. I have disputed the items twice, showing proof that the tax liens are not on my file according to the state of NY but EXP claims to 'verified '' the accounts as mine. I have requested their investigation process according to FCRA law and EXP has ignored me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Eastern Account System 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.XXXX Original creditor ( 2 accounts ... continue to open and close on each credit bureau, as well as the dates are not the same, continue to change, I have disputed this account multiple times. Spoke with XXXX XXXX, XXXX and XXXX. It is still on my account. )
Product: Debt collection

They place repeated robo-dialed calls to my cellular telephone, sometimes as many as XXXX in one day. Each time I answer, the computer voice asks me to hold while it connects me to an agent. The dates and times of the calls are:
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
XX/XX/2015 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Didn't realize interest rate was that high. 811 %. I did not know it was illegal to offer this loan in NJ.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and TransUnion have my XXXX XXXX XXXX account as a Charge-Off which is certificate of indebtedness. Its now income and it needs to be removed. Which is a violation of my privacy rights under 1974. 

Date : XX/XX/XXXX Amount : {$15000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( Original Creditor : XXXX XXXX  ) Payment Status : Collection/Chargeoff/last reported : XX/XX/XXXX Date Opened : XXXX Account Status : Derogatory Amount : {$330.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$510.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Charged off account Auto