23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX  XXXX in XXXX of XXXX I obtained a lease for a XXXX XXXX XXXX, I later discovered that the mileage was incorrect, I made a complaint with XXXX XXXX and the dealership was to contact me. They did not. I attempted to purchase my third vehicle from XXXX XXXX on XX/XX/XXXX completed a full credit application and found a car however, we did not complete the sale. The same salesman said that I owed over {$4000.00} for an early termination fees, mind you I completed my lease so this is not true. They failed to try to work with me to correct their error and sell me the XXXX. This is the car I wanted, I had an approval at XXXX and my XXXX had been appraised at a higher value that XXXX had stated as the residual value. I left the dealership because they were not trying to work with me and didn't recall the issue with the lease and wrong mileage on my contract. I tried to payoff the vehicle/loan via XXXX and XXXX Finance refused to speak to XXXX to which I authorized on my loan. Now they are impacting my credit report after they refused payoff not once but twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX Date opened : XX/XX/19 Identity theft : Remove Account and items reporting Amount Reporting {$3700.00} Multiple Attempts to delete Account information
Product: Credit reporting

On XX/XX/XXXX I sent letters to EQUIFAX requesting verification. EQUIFAX continues to break federal laws according to FCRA. EQUIFAX has conducted a improper investigation. Equifax has failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. Furthermore, Equifax have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly DELETE all information which can not be verified. '' I REQUEST THAT ALL UNVERIFIABLE INFORMATION BE PROMPLTLY DELETED.
Product: Credit reporting or other personal consumer reports

accordance with the fair credit Reporting act XXXX Bank XXXX XXXX Bank has violated my rights 15 USC 1681 Section 602 States I have the right to privacy

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 and purpose.
Product: Credit reporting or other personal consumer reports

Dates do not match Amounts are not matching across board All 3 are not matching Open dates are not matching ect
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received an email from Cash app notifying me that there has been unusual activity on my account, and they have sold all of my stocks. When I logged in, I noticed that there were two IRS refunds deposited, that they claimed " failed '' one for {$1400.00}, and one for {$1200.00}. I asked them why they failed and they said that it is because there was unusual activity and that the find would be returned to the originator in 3-5 days ... but the deposits were in 2020. I asked them why they hadn't yet been returned and what I unusual activity has occured, and why my account was being closed and they refused to give me anymore information.
Product: Debt collection

State Collection Service , Inc. initially mailed me on XX/XX/XXXX which was received on XX/XX/XXXX with a letter telling me I had 2 accounts each of {$2100.00}, that were in collections with them. This was the first contact I had had with them. 
I sent them a certified debt verification letter that was received by XXXX XXXX on XX/XX/XXXX to which State collections never responded to verify the debt, leaving themselves open to litigation. 
On XX/XX/XXXX another letter was sent by State Collections which was received by me on XX/XX/XXXX informing me that this unverified debt is seriously delinquent. 
I believe the debt to which they are referring to is part of a debt currently being disputed in court with both the insurance company and provider and will soon be dismissed entirely.
Product: Credit reporting or other personal consumer reports

Incorrect address reporting ( non mailable address ) Please update to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). Today on XX/XX/2021, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX,, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit card or prepaid card

I disputed a charge of {$7700.00} to my Chase Bank freedom unlimited account. The subject charge was posted to my account on XX/XX/XXXX. The charge is for a cruise purchased from XXXX, the cruise provider. The cruise date is XX/XX/XXXX. On XX/XX/XXXX, XXXX informed me through my travel agent that XXXX was suspending all operations and was cancelling the purchased cruise. XXXX is currently in the process of liquidating all its assets. Therefore, the purchased services have not and will not be provided by XXXX and in turn will not be received by the undersigned as the purchaser and cardholder/obligor. 

I filed a telephonic dispute with Chase/Visa on or about XX/XX/XXXX. I have since been informed by Chase/Visa that that my request for a credit would be denied because the dispute was not timely filed in accordance with Chases filing deadlines given the date of the original charge in XXXX. 

As I informed Chase/Visa , the purchased cruise services were rescheduled from XXXX to XXXX due to Covid restrictions and related scheduling complications. The cruise was formally rescheduled to XX/XX/XXXX from XXXX of XXXX. Clearly, the basis for the dispute did not arise until I received notice of cancellation from the cruise provider on XX/XX/XXXX that it was suspending all services. As indicated above, XXXX, the cruise operator, is no longer operational and is liquidating all assets. Therefore, a dispute of this nature could not be filed until notice of the cancellation was received from XXXX, after which time the dispute was timely filed. 

Under the Fair Credit Billing Act ( FCBA ) 15 U.S.C. Chapter 41, it is generally a customers responsibility to file a claim within 60 days following the statement containing the disputed transaction as provided for under the FCBA, and the general time frame allowed for chargebacks under the XXXX chargeback guide is 120 days from the transaction date. However, when the merchant is bankrupt, that time frame is generally extended to 120 days from the expected date of service. In this case, the expected date of service is XX/XX/XXXX, so the filing of the subject dispute is timely. 

Given the above, I am requesting that Chase/Visa take prompt action to credit my Chase account in the amount of {$7700.00} to refund the full purchase price of the canceled cruise services.
Product: Debt collection

I checked my credit report today and realized I had a collection from Eastern Account System that I was unaware of. My credit dropped from a perfect XXXX to XXXX because of this. I never received a letter or collection from Eastern Account System. 

The report says this was reported to credit bureau XX/XX/21.
Product: Mortgage

XXXX XXXX XXXX I submitted my mortgage company 's form to transition from monthly mortgage payments to biweekly mortgage payments along with the required check for one month 's mortgage. 

XXXX I received a letter from them saying they had received my request but not my required monthly mortgage payment. I contacted XXXX in their Customer Service department that day and was told the amount of my check was short {$19.00}. I made the payment using my credit card and XXXX said that completed everything required to transition to biweekly mortgage payments. XXXX said I would receive a letter by mail telling me when the biweekly drafts would start and what the amount would be. This letter was also mentioned in the letter I had received dated XX/XX/XXXX that had prompted my call. I decided I would cancel my Monthly automatic mortgage payments when I received the promised letter so that no mortgage payment would be missed. 

XXXX The first biweekly draft was drawn on my bank account for half of my monthly mortgage. I had not received the letter notifying me of this action. I decided to continue waiting for the letter before terminating my automatic payment of my monthly mortgage amount. 

XXXX The second biweekly draft was drawn on my bank account for half of my monthly mortgage. I did not notice this occurrence because we were traveling for XXXX. 

XX/XX/XXXX Upon my return I saw the Monthly mortgage payment had been sent for XXXX payment and both biweekly payments had also been made for XXXX. I contacted the mortgage company and requested a refund. They requested specific information from my bank statement which I sent to them by email that day. They replied by email that additional information was required which I then supplied to them by attachment to email. 

XXXX Having heard nothing regarding my refund I called XXXX XXXX their Customer Service Department and was told the information I had sent was not in the right format and was instructed to contact my bank to have them supply the necessary information in the correct format. I requested to speak with his Supervisor and registered my complaint with XXXX for poor communication for not notifying me that additional information was required. I then contacted my bank who willingly and efficiently supplied the requested information in the correct pdf format which I immediately sent to the mortgage company by email attachment. 

XXXX I received email notification that the bank statement supplied in pdf format was not acceptable. I tried to contact my bank personnel who supplied the statement so we could initiate a three way call with the mortgage company to ascertain what additional information is required, but that person had gone for the day. That is when I decided to register this complaint with the CFPB in hopes of getting my unnecessary payment returned to me. I might add I have yet to receive the promised letter from the mortgage company notifying my of the XXXX drafts start date.
Product: Mortgage

I always make my payments online with Suntrust, never had a late payment before. I went online today to make a payment and was shocked to see that a XXXX payment never posted. I paid both XXXX and XXXX on the phone with a representative immediately and offered to sign up for auto debit. I did not know that I was past due on the account until I logged online today ... Suntrust states that they called me, but I have no voicemails from them, and my husband has not been called. He always answers his phone and would have made the payment immediately by phone. Suntrust was unable to verify to me that they called his number. They also have my email address on file, but I have not received any voicemails nor emails from them. I inquired about XXXX credit reporting and was told that this error would most likely be reported on my XXXX credit report. I asked for Suntrust to remove the late payment because I have never had a late and because I attempted to make the payment. They informed me they could do nothing regarding the credit even though I was not notified properly and given a chance to remedy the situation. I firmly believe that I went online to make this payment ; I even have it written in my checkbook register, but Suntrust states they can not verify this. I also pay EXTRA on my mortgage monthly ; this too does not seem to matter. It is completely unfair that my perfect payment history has been ruined by this incident. I am requesting that you please help me to have the negative credit reporting removed if it did occur. Again, I have never had a late payment nor will it happen again. Thank you very much.
Product: Payday loan, title loan, personal loan, or advance loan

On Tuesday the XXXX of XXXX I sent an email to Dave revoking my ACH authorization and told them I revoked the ability for them to charge my debit card. I asked for an alternative payment method than auto charging my bank account. 

On Wednesday the XXXX an employee named XXXX emailed me back asking for more information from me. My address, birthday, last four of social and last four of my card I have linked to the account. I responded and never heard from him again. 

On Thursday the XXXX I finally found on the site where I could contact support since they bury any contact info behind an automated assistant bot. Talked with XXXX who kept asking me the same information of when I sent the request since apparently this all vanished into the ether. After getting upset I demanded again my debit card and ACH authorization be revoked. They forgave my current outstanding balance and I assumed they obeyed my request. 

I was short my rent just a little so I borrowed {$40.00} from it.and learned real quick on the following Friday they still didnt obey my request. They withdrew money from my account this past Monday. So I had to turn around and request again so I could have gas for work since my new job doesnt pay me until the XXXX. Still looks like they ignored my request and Im sure theyll try again on Friday. 

Ive disputed this with my back and its gotten heated with Dave because its in their terms and conditions how to revoke the authorization and they do their best to ignore it and keep access to your bank account.
Product: Mortgage

CMG Financial has held my loan for about 5 years, there was never one late payment and we recently refinanced out of an FHA loan with a new company and for a lower rate. The loan was closed and payed in full as of XX/XX/2020 and I am currently still waiting for the Escrow refund check, as per the guidelines there is a 20 business day waiting period which this has been over and when I call them they can not tell me why I still haven't gotten my refund of MY money. This is against the guidelines and if it were the banking/financial institution they would be charging all kinds of late fees and interest. Why os it ok for them to not follow protocol and guidelines when they are holding the consumers money!? This is a disgrace of the servicer of my loan to not be meeting guidelines set forth for them but require us as consumers to always follow guidelines and make payments on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Re : Social XXXX Re : Trans Union and XXXX In XXXX when I changed mortgage companies from a XXXX mortgage to a XXXX mortgage Trans union dropped my score by XXXX points on XX/XX/XXXX with no apparent reason. After a dispute they raised my score by the XXXX points and had no explanation. On XX/XX/XXXX my score went up by XXXX points, on XX/XX/XXXX it dropped by XXXX points. Overall, my balances decrease every month as when I make payments. I always pay at least two times as much as payment requested. For example, if XXXX has a minimum payment of {$220.00}, I send {$500.00}. My payment history on cards and mortgage is impeccable and my credit utilization is low about 35 % I also have no negative items on either a mortgage or creditor. All my balances were decreasing. My score is like a roller coaster. I am a healthcare worker and the activity in the hospital is off the charts again, so I do not need this aggravation on top of it. it is like a roller coaster. I did refile a complaint but am at a loss because it keeps dropping as my balances decrease, my payments on time. I also complained that there were unauthorized inquiries on my account they never responded. I feel frustrated and always had score in the good range, now in fair range, when I have always paid more than a creditor requested on a monthly bill. Any help or explanation would be appreciated. 



XXXX XXXX
Product: Money transfer, virtual currency, or money service

COMPLAINT XXXX WAS FRAUDULENTLY MARKED AS A DUPLICATE BY CHASE! 
COMPLAINT XXXX IS NOT A DUPLICATE! COMPLAINT IS ABOUT THE SPECIFIC INCIDENT IN THE SCREENSHOT WHICH OCCURRED ON XX/XX/24 AND THEREFORE IS NOT A DUPLICATE WITH ANY COMPLAINT FILED BEFORE XX/XX/24. 

ANSWER THE XXXX COMPLAINT! AND IN ADDITION EXPLAIN HOW YOU ARE GETTING THE CFPB TO CENSOR MY BY ABILITY TO RESPOND TO THE COMPLAINTS! " SURVEY NOT FOUND ''. SOMEONE IS DISABLING IT ON THE BACK END. IS NOT ACCESSIBLE BY CFPB AGENTS OVER THE PHONE EITHER.
Product: Mortgage

I have been trying to use the Lakeview Mortgage online system for more than 7 days, for a total of over 11 hours, The system either does not recognize me, or it just locks up, They then start asking for a great deal of personal information, I have been unable to make my mortgage payment, due XXXX XX/XX/2023 because of this, Also, their system keeps running me in circles trying to get to a human and mainly tries to send me ta a number wanting to give me promotional offers, Then need to just have a simple call in number where a person can get actual assistance and not be dragged into a crazy death spiral, When I finally did get to a human, they were not useful at all,
Product: Credit reporting, credit repair services, or other personal consumer reports

Second Complaint with CFPB *According to : *15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; - { Late payments are a transaction } *According to 15 usc1681a ( 2 ) ( B ) : The consumer report does not include Authorizations or approvals of specific extensions of credit. Any loan or Credit Card reporting to my consumer report is a " specific extension of credit ''.

None of these laws have been obeyed. This is not a dispute for verification. It's a dispute of breaking the law. My rights have been violated.

*The Privacy Act of 1974 : prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.

The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXXXXXX XXXX XXXX
Product: Mortgage

I have owned and lived in my house for 44 years and never had a problem making the mortgage payment. However, a few years ago my loan got sold to Ocwen Loan Servicing. they randomly sent out an inspector to my home in 2014 and he claimed that I had to redo my roof. Ocwen used this to try and justify cancelling out my insurance and forced me to use their insurance company, which cost way more. I could barely afford my payments when they did that, and in that same time period my wife had to have XXXX. I had a large co-pay and was not able to keep up and fell behind on the mortgage. Now Ocwen is dragging their feet and refusing to negotiate with me and pushing me into foreclosure. 

I tried on many occasions to make some progress with Ocwen to try and get them to remove their force placed insurance so I could get back to my more affordable policy but made no progress. I also tried to get Ocwen to work with me to restructure or modify my mortgage loan, but feel that I have run into a brick wall. I ended up hiring a third party to assist me with Ocwen, but after a year of providing documents over and over it feels like no progress has been made. I am semi -retired but still do electrical estimating work and my wife is receiving XXXX, so we have the means to make a fair mortgage payment. Our issue is that our mortgage company Ocwen created a problem when one did not exist and put their greed and profits ahead of the people who live in the homes they financed. My father built this home and I have lived here over 40 years. I never thought it would come to this. I just want to get back to making regular mortgage payments and put this behind me but have been unable to do so because of Ocwen 's failure to communicate and negotiate fairly.
Product: Credit card or prepaid card

Citibank Credit Card Company : 1. Encouraged me to change to paperless statements. 
2. Encouraged me to enroll in auto payments. 
3. After a year, ceased pulling my auto payments without notifying me. 
4. Closed my other accounts without notifying me, although still pulling the auto payments for those. 
5. Made it impossible for me to view my info online. ( Lockes me out ) 6. After an exceedingly long wait ( 60+ minutes ) on hold, the customer service rep disconnected me when I called to attempt to have paper statements sent to me. 
Help me!!!!!!