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

While checking my personal credit report, which I acquired XXXX, XXXX, Equifax. I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Product: Mortgage

Bank of America made two insurance withdrawals from my loan escrow account in error to XXXX XXXX XXXX XXXX totaling {$16000.00}, XX/XX/XXXX {$4200.00}, and XX/XX/XXXX {$12000.00}. XXXX XXXX XXXX XXXX is not my insurance company. I switched my insurance company for the XX/XX/XXXX-XX/XX/XXXX policy year to XXXX XXXX XXXX  on XX/XX/XXXX. I notified Bank of America three times that my new insurance company for the XX/XX/XXXX-XX/XX/XXXX policy year was XXXX XXXX. I used Bank of America 's preferred method of communication on XX/XX/XXXX,  XXXX. I received an email from Bank of America acknowledging the receipt of the insurance information. I called and notified Bank of America on XX/XX/XXXX after  seeing that a payment of {$4200.00} was made in error from my escrow account to XXXX XXXX on XX/XX/XXXX and requested assistance with getting the money returned to my escrow account. I called XXXX XXXX on XX/XX/XXXX and was told that NO payment had been made to my account. I also called XXXX XXXX  to see if the payment was made to them and was told that NO payment was made. I faxed the insurance information to Bank of America again on XX/XX/XXXX and requested assistance. On XX/XX/XXXX a  XX/XX/XXXX withdrawal of {$12000.00} was made from my loan escrow account to XXXX XXXX XXXX. I called Bank of America again on XX/XX/XXXX and spent 4 hours on hold and was told that they did not know what to do. 
I have confirmed with both XXXX XXXX or XXXX XXXX insurance that NO payments have been made. 

I am refinancing my loan and am being required to pay an additional $ XXXX in Escrow Overage due to Bank of Americas {$16000.00} error. No payments have been made to any insurance company. NO ONE has received the {$16000.00} that Bank of America shows as being withdrawn from my escrow account. I need help in correcting these errors and refunding my money. 

Please assist me in correcting these errors. 
XX/XX/XXXX {$4200.00} XX/XX/XXXX {$12000.00}
Product: Vehicle loan or lease

GM failed to provide me with a payoff letter. I confirmed the email address for it to be sent to, and also called again later to provide a fax number. Nothing has been received over XXXX hours later. It took in excess of XXXX minutes on the telephone. They are continuing to charge finance fees and will be assessing a late fee due to their failure to provide the requested payoff letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX XXXXXXXX XXXX accounts # XXXX has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 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. It is unfair that I was charged with a late payment with out notification of when the payment was due. I had to sign up on line to do on line payments. When I made the payment and they did not process my payment accurately.
Product: Vehicle loan or lease

This car was a lemon the transmission went out after 1 month of me having it. This company refused to work with me to get the car fixed. They wanted me to pay for it myself. They wouldnt even put it on the back end of my lease. I continued to pay while trying to get it fixed, Eventually I told them to pick the car up because I cant use it. I discussed with her that when I return this car I will no longer have anything to do with it and I dont owe you all nothing because this car was a lemon she agreed and came to pick the car up. It was never repoed but they are reporting it that way and they continue to report missing payments to this day
Product: Credit reporting or other personal consumer reports

My XXXX loan is paid in full and I have proof!! 
In accordance with the FcrA.the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 US C 1681. I told Experian, XXXX and XXXX to reinvestigate these accounts. Child support account number ending in XXXX, child support account number ending in XXXX, and XXXX XXXX account number ending in XXXX. 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 the 15 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly. 15 USC 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 calls to believe that the information is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the following inquiries and account be removed for my credit report. 

Creditors Have Agreed To Remove Fraudulent/Unauthorized Inquiries : XXXX XXXX/XXXX  - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX & XX/XX/XXXX XXXX Account : Creditor Has Agreed To Remove. Fraudulent Account. 

XXXX XXXX XXXX Account number XXXX This account along with the inquiries have been removed from my XXXX & XXXX Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on my credit report I incorrect. My name and address is incorrect. 

My name is : XXXX XXXX My address is : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Delaware XXXX
Product: Checking or savings account

Incident occurred at XXXX  on XX/XX/year>. I checked out at XXXX, walked to my vehicle & was approached by female, she had a {$20.00} bill in her hand- '' you dropped ''. She was touching around my waist, hip area as I took my wallet out to put the {$20.00} in ; she was distracting me speaking a foreign language. XXXX Surveillance camera saw her standing behind me as I used my Debit card at check out & also saw her at my SUV, tree blocked picture, but saw a man waiting for her & they walked out of view. When I went to use for a purchase at appx. XXXX to my dismay, my card was not in my wallet. I immediately called Wells Fargo , Fraud department, at this point they are giving me the run-around. I filed a Police Report on Monday XXXX XXXX XXXX XXXX  XXXX Wells Fargo that XXXX XXXX at XXXX would " save '' the film. Wells Fargo has not requested it. They used my card to take money out of checking in a bank ( no ID was requested ) and went to different locations, ATM to take money out of checking & savings. I never did receive an alert from the Bank.
Product: Mortgage

In follow up to the complaintXXXX, I have asked Chase to provide me the Appraisal that was done on XX/XX/XXXX which resulted in the amount shown on my original contract. I have paid for the appraisal and need a copy of it, they have refused to send me a copy or they did not actually perform the appraisal. Each time I request the XX/XX/XXXX appraisal they will forward me an appraisal that was done on XX/XX/XXXX.
Product: Debt collection

On XX/XX/2019 the company AFNI charged off {$820.00} onto my credit report. All three credit bureaus are not reporting this as a collection and it is severely impacting my credit report. 
I disputed this account as not mine on XX/XX/2019. On XX/XX/XXXX I received a notice that my dispute was completed. I check the results and the credit bureau said the account was mine. AFNI has not furnished any prove saying this is my debt. Accordingly to the FRCA, AFNI has to repot accuraly which they have failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting my childsupport case as a collection acct for the past 4 years ... this is incorrect... I was under a court ordered income deduction from the state of Florida ... childsupport came out automatically ... I have filed several disputes trying to get this corrected, but they keep telling me the acct has been verified as accurate ... AND THAT IS IMPOSSIBLE BECAUSE I WAS UNDER A COURT ORDRED INCOME DEDUCTION.CHILDSUPPORT PAYMENTS CAME OUT EVERY WEEK ON TIME!
Product: Mortgage

XXXX XXXX XXXX XXXX/XXXX XXXX XXXX I'm writing in regard of services I received from Ambassador Mortgage. The services where unsatisfactory. During the month of XXXX me and my spouse where pre-approved for {$220000.00}. We had three homes inspected along with the appraisal. This went on for nine months the broker could never close the deal and get the final clear to close. She would ask our Realtor at the time was XXXX XXXX with XXXX XXXX XXXX for extension after extension this went on for 2 months with no closing date. She was not able to secure our mortgage. She coerce use into the lock in rate. Her fees consist of {$400.00} lock in rate, {$250.00} transfer paper from one house to another, {$170.00} consultation fee, appraisal {$570.00}, Home inspection for three homes totaling {$750.00}, credit bureau {$26.00}. We are out of {$2300.00} XXXX XXXX Owner Ambassador Mortgage XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, La XXXX XXXX.She was not able to secure our mortgage. She coerce use into the lock in rate. I would appreciate your assistance in resolving my complaint. If the matter is not resolved with a refund, I will seek small claims court and let a judge decide
Product: Mortgage

As part of a refinance transaction, my existing XXXX mortgage with Nationstar Mortgage was paid off on XXXX XXXX, 2015. As of XXXX XXXX, 2015, the discharge of mortgage had not yet been recorded at the XXXX District Registry of Deeds. I contacted Nationstar to inquire about getting the discharge recorded, as I was scheduled to close on a new home equity line of credit mortgage and was unable to do so until the discharge of the paid off mortgage had been recorded and I informed them of this fact. They responded to my inquiry by sending me a copy of the discharge of mortgage together with a letter that was purportedly mailed to the XXXX District Registry of Deeds on XXXX XXXX, 2015. After checking the Registry Records for XXXX weeks with no evidence of the discharge being recorded, I again contacted Nationstar Mortgage to let them know that the discharge was still not recorded and I asked them to send me a new original discharge of mortgage so that I could record it myself at the Registry of Deeds. They informed me that they would not provide me with an original discharge of mortgage as this was not their policy, despite the fact that it was my money that paid the loan off, I was not allowed to be given the document releasing it directly. I asked them to send a new discharge out the the Registry of Deeds and they assured me that they would do so. This pattern continued throughout XXXX and into XXXX. I also contacted Attorney XXXX XXXX, ( the attorney that paid off the mortgage ) and her office has also been in contact with Nationstar Mortgage with no result. They refuse to send out a new discharge of mortgage and now I am unable to close on the new loan, which is causing me a grave financial hardship. I do n't know what else to do. Please help!!
Product: Vehicle loan or lease

I purchased a XXXX from a XXXX of XXXX, CA on sunday, XX/XX/XXXX It was late at night and my bank was already closed so I was unable to get a check to write to them. I was told that I would be getting a XXXX XXXX XXXXXXXX Loan and shown XXXX XXXX XXXXXXXX paperwork and told that if I paid it off within the first 30 days I would not be charged interest. 

I attempted to go to XXXX XXXXXXXX XXXX on XX/XX/XXXX to pay off in full and the when the bank was unable to find the loan I called XXXX of XXXX to ask who held the loan. I was informed that XXXX XXXX XXXX ( a division of Toyota Motor Credit Corporation TMCC is the authorized attorney-in-fact and servicer for XXXX XXXX XXXX. ) held the loan when I asked for the loan number I was told that XXXX of XXXX had just mailed in the paperwork that day and there was no loan number associated with my account since XXXX XXXX had not had time to receive and process the paperwork. It was suggested that I contact them next week to get a loan number. When I contacted XXXX XXXX XX/XX/XXXX to pay the payoff amount has already increased by {$78.00}. 

I do not understand why I am being charged interest when I was told it was literally not possible to pay off my loan on XX/XX/XXXX when I called XXXX of XXXX. 

How is it legal for a company to accrue interest when they do not give the consumer a way to pay off the loan? 

I made a full payment to the loan on XX/XX/XXXX and received an email from XXXX XXXX stating that the payment was received. Then on XX/XX/XXXXXXXX XXXX emailed me at XXXX saying that the payment was rejected despite the fact that I had the funds in my bank account. I called in on XX/XX/XXXX to reattempt payment and was told the account was closed and that I would have to wait for them to reopen it before I could pay it. Again they are accruing interest while not providing me a way to pay. I have called their customer service multiple times today but they are not able to immediately reopen my account and I have to wait to next week to pay.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Creditor : XXXX || Account Number : XXXX - Creditor : XXXX/XXXXXXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts on my credit report and I've disputed them several times with the company and Transunion and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts immediately, thank you. 

Account Opened Amount XXXX XX/XX/2018 {$0.00} XXXX XX/XX/2018 {$0.00} XXXX XX/XX/2018 {$0.00} XXXX XX/XX/2018 {$0.00} XXXX XX/XX/2018 {$0.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPS ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consume rights to privacy and confidentially under 15 USC 1681. 

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 Section 2 : It also states, a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681C. ( a ) ( 5 ) Section States : No consumer reporting agency may make a 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 my information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information in inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus have now decided to place accounts on my credit report that dont belong to me and never have. I previously indicated that I have Never had an account with XXXX XXXX XXXX as they have verified that as well on the two occasions I contacted that because a few months ago, the bureaus had these on my credit report, in duplicates with different account numbers so that it look like I have multiple trade lines. A few months ago, the erroneous/fraudulent account was on my credit report twice now, the account has been reported three additional times with three different account numbers. I Never had an account with XXXX XXXX XXXX. If the credit bureaus actually took the contact info they provided on the credit report when they did their so call investigation and called XXXX, they would verify just like they did for me that no such account ever existed in my name. Account number XXXX, XXXX, and XXXX as listed on the credit report are Not mine. Equifax, XXXX, and XXXX XXXX have set up the online account process so that I can not even dispute their errors and XXXX XXXX has been playing that game for years. The sites dont even allow me to reset passwords and after experians site gives me my username, it tells me no such user name exists when I try to reset that password. Equifaxs automated system will take all of your info including your PIN number and after you verify, it will tell you you could not be verified you have to spend ages on the phone trying to get an actual person on the line and when you do, they want you to re-verify all over again and experience phone system is worse good look trying to get an actual person. Last time I called experience, I called a corporate number because none of the other consumer numbers work they just re-route you to the same automated system over and over again and when you get an actual person from corporate on the line, they have a horrible attitude.
Product: Credit reporting or other personal consumer reports

In the second week of XXXX I noticed that I had an unauthorized inquiry on my credit report from XXXX XXXX dated XXXX XXXX, XXXX. I tried to file a police report with my local sheriff 's office, but they told me that they lack the capacity to investigate credit fraud of this nature and told me to contact the bank where the inquiry was placed. The bank where the inquiry was placed told me I should call the credit reporting agencies directly and consider getting advice from my attorney regarding the Fair Credit Reporting Act. When going over of my credit report with my attorney, I realized there were two additional inquiries ( XXXX dated XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ) that were not authorized on my report and called XXXX, XXXX, and Equifax to have the unauthorized inquiries removed. The reporting agencies instructed me to file a report with the FTC ( which redirected me to the CFPB website ) and then send them a copy of the report along with a copy of my driver 's license, social security card, and cover letter explaining the inquiry removal request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I checked my credit report and to my surprise all three credit bureau ( XXXX, XXXX XXXX, equifax are reporting inaccurate information about a bankruptcy. Bankruptcy court stated they do not report to the credit bureau attached letter
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The AMERICOLLECT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) with Account Number XXXX and a Balance of {$68.00} was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The 3 Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.