23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/2023 we requested a payoff quote which was given verbally over the phone and we were told it was good through XX/XX/2023. We were also told we would receive a letter verifying the payoff information. This letter was never received and we mailed a check through our bank bill pay to the mortgage company. The check was processed and never cashed as it turned out that we were not given the correct address for mailing the payoff. We stopped payment on the check and reissued the check and the bank sent it to the correct mailing address. Again, the check wasnt cashed and we had to stop payment on the check. It turns out that the funds had to be issued by certified check or electronically BUT NO ONE during the many phone calls advised us of this. We received an overnight envelope a few days after the payoff amount expired with the first check, instructions for completing the payoff which had to be certified or electronically issued funds. Now we are late with the payoff and our mortgage payment which caused us to have to go to the bank to complete the transaction and pay almost XXXX more due to the incompetent customer service people at Truist Bank. They were the worst mortgage company we have ever dealt with. We would like the original payoff payment honored and the overage of the second payoff refunded. We have paid our mortgage in full. 

This is a second attempt. Truist DID NOT respond to MY complaint but responded to some other customers complaint on my complaint account. Truist responded to a XXXX XXXX, that is NOT be and the items discussed in his letter are not my issues.
Product: Vehicle loan or lease

As I have tried to purchase the vehicle that I leased, I have been told that I can not receive financing unless I put down approx. {$2000.00}. As seen in the contract attached, I have already put {$2700.00} down on the vehicle which was fraduaently taken off of the vehicles MSRP price when it should have been taken off of the amount I was leasing.     Also, th e " Rent Charge '' on the vehicle is absolutely insane, at it is approx. 91 % of the amount I leased on the vehicle. It should, if not already, be illegal for a leasing company and the car dealership to charge a customer almost the same dollar amount in the " Rent Charge '' i n relation to the Depreciation Costs that are used to lease a vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXXccount # 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 : 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 account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your report on me is in error because it contains information that is inaccurate. I request that you investigate the following and remove them immediately and prevent their reinsertion in my reports. 

XXXX XXXX XXXX : # XXXX {$740.00} Charge Off. This account does not belong to me. I have no knowledge of this account. Please validate this information with XXXX XXXX XXXX and provide me with copies of any documents related to this listing bearing my signature. In the absence of any documents bearing my signature, I request that this information be deleted from the file you maintain under my Social Security Number.
Product: Checking or savings account

I was scammed by a property management company year of XXXX which I reported to Bank of Americas Customer Service/Fraud Department located in Georgia I informed them of the accurate time lines I could provide to them, detailed conversations I keep via text or email, paper trail ( signed documents ) picture of individual the amount of money that was taken. The total amount was {$3000.00} which I only received less than {$1000.00} back XXXX stated they couldn't do anything in regards to returning the funds where they seen the money pulled out. They filed a dispute without requesting any of the information I provided to help my case! Thereafter a couple of months went by just for them to put my account in the negative/charge off by trying to collect back the money from a temporary hold. Which evidently I didn't have. This also caused my credit card account to go in the negative which I utilized to help my credit score. Both accounts are in collections now! This complete situation caused alot of hardship for me and my children it was our last from my income tax and through the banks negligence me and my family were almost homeless. Customer service in my opinion should go above and beyond for loyal customers such as myself my cause was never reviewed or investigated properly in any fashion. Trusting people are fighting on your behalf in situations like this was not the outcome. After being scammed the bank turns around to take from me again shameful.
Product: Credit card or prepaid card

XX/XX/XXXX {$260.00} at XXXX. I told them I did not make this purchase on XX/XX/XXXX They did research the dispute. They did not think it was a valid dispute. Same day XX/XX/XXXX a charge was added {$49.00}, XXXX. I disputed the purchase, I did not make this charge at XXXX. I told them I paid cash for XXXX. XXXX I purchased on my debit card for {$140.00}. They did not give me credit back. U.S. Bank XXXX card.
Product: Money transfer, virtual currency, or money service

My parents were sending money XXXX from XXXX to the US on the XXXXXXXX XXXX XXXX from the Deutsche Bank to XXXXXXXX XXXX. On the XXXXXXXX XXXX XXXXXXXX he was told his transfer needs more information : what it was for and his passport ID. Which he both supplied. I was calling XXXX and the XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX neither of them saw any money on my end. My father was told to wait until the XX/XX/XXXX and his bank ( Deutsche Bank ) would start a trace for the money and charged him already XXXX for it. He went back yesterday XX/XX/XXXX and still nobody knows where the money is. 
I sincerely hope you can help figure this out. 
Thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I was shopping for a new phone and responded to a seller on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXsince been removed ) After negotiating the price, the Seller created a XXXX  tracking label ( XXXX ) and asked me to Zelle payment to " XXXX XXXX using the phone number XXXX. After 24 hours, Seller reported never receiving payment even after I provided proof from my bank. The seller then accused me of scamming them, removed the listing, and never returned my payment. I have asked my bank to reverse the payment or contact information of the seller so I can pursue legal action against the individual. I have also filed a complaint with & against Zelle directly, with no response. My Bank ( XXXX ) denied my refund, stating " The transaction was completed successfully ''. Right now, {$650.00} has been stolen from me and I have no recourse against the thief!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion XXXX a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payments for XXXX and XXXX, XXXX are incorrect. I made the payments on time, as confirmed by my bank statements, which show that the payments were processed and cleared. The late payment status of " 30 days late '' is, therefore, inaccurate and should not be reflected on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my identity to create a XXXX XXXX credit card account on XX/XX/XXXX. This account was used to purchase 2 XXXX  game consoles from XXXX and 2 XXXX  game consoles from XXXX. 

I called XXXX XXXX on XX/XX/XXXX, explained the situation to them, and asked them to close the fraudulent account and remove the item from my credit report. I was assigned case # XXXX. 

On XX/XX/XXXX I mailed a completed " fraud packet '' to XXXX XXXX. 

On XX/XX/XXXX I left a message for XXXX XXXX 's ID theft department ( XXXX ), asking them to close the fraudulent account and remove the item from my credit report. 

On XX/XX/XXXX XXXX XXXX ( XXXX XXXX representative ) and I got XXXX XXXX on the phone, and we were told to send an email to XXXX, which I did the same day. 

On XX/XX/XXXX I received XXXX XXXX letter, dated XX/XX/XXXX, indicating Our investigation confirmed someone using your personal information fraudulently opened the account ending in XXXX. 

XXXX and I tried repeatedly between XX/XX/XXXX and XX/XX/XXXX to talk to XXXX XXXX to get them to remove my account information from my credit reports, but we were unsuccessful.
Product: Mortgage

I have been tryng to submit my Mortgage Assistance Packet to Freedom 3 times now. Each time submitted, I am sending via email and to two ( 2 ) fax numbers, all of which have been opened, per my read receipts. 

I have heard nothing from them, just form letters with contact information and XXXX requests for documents I have already submitted. Nothing - other than this. 

Currently, I am in the hole with payments, and can blame really no one else but myself, as the don't care about my current situation. Per my previous complaint, I have stated that I can not afford the new monthly payment due to tax reassessment. However, no communication, nothing to show that they give a hoot. 
I am sending this complaint for several reasons : 1. To force someone to contact me via email, rather than postal mail, per my request in every note, email and fax I have sent them. Postal mail takes to long, and can be used to XXXX me out of deadlines. 
2. To create a paper trail, which is admissible in any court, showing that I am trying to get help to no avail from Freedom. 
3. I feel taken advantage of, as I am on a fixed income and can not make additional higher contributions to payment, at this time. 

Continued ignoring and lack of communication is a well known tactic, one that often results in a foreclosure. I will not have it, and that is why I am pushing the issue.
Product: Money transfer, virtual currency, or money service

I got scammed by an online bank and sent them bitcoins for almost XXXX $ and everything was fake.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I noticed a drop in my credit score due to increased utilization, as indicated by an XXXX alert. Upon reviewing my credit report, I found that a Chase credit card was added to my account on XX/XX/XXXX, with an open date listed as XX/XX/XXXX. However, I never opened or applied for this credit card, and I have only had one personal Chase credit card, which this does not match. 

Chase customer service identified the card as a XXXX XXXX XXXX  but I did not authorize or apply for this account. Additionally, I was redirected to someone suggesting the account might be connected to XXXX XXXX and a debt from XXXX. I do not recall having a XXXX XXXX XXXX XXXX and it seems impossible to now appear as an account opened in XXXX. The representative informed me that this is most likely a system glitch due to the acquisition of XXXX XXXX. This is unacceptable. This should not be on my credit report. 

Summary of account details : Updated : XX/XX/XXXX Credit usage : 31 % Balance : {$4100.00} Account type : Credit Card Account number : XXXX Reported open date : XX/XX/XXXX I am disputing this account as it does not belong to me and appears to be incorrect. Please investigate and remove it from my credit report.
Product: Debt collection

I leased a car with Honda finciancial in XX/XX/XXXX. My mother was co signer bc I don't have good credit, she was making payments to build my credit up. 
My mother passed away in XX/XX/XXXX, I paid car payments best I could, however car was repossessed. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Acct # unknown XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, pa XXXX
Product: Checking or savings account

I logged in my account on XX/XX/2019 and I noticed my accounts were frozen and could not use my debit cards and I didnt get my payroll direct deposit. I also have a business account with this bank and Im not sure what is going on. Customer service did not give a reason for my accounts being closed.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to proper investigate fraudulent accounts on my report I submitted a dispute and two days later they came back that it was verified. Never send me no verification or validation of the accounts and questions which are fraudulent accounts. I have provided them with police report I death report and they still not properly investigating the accounts in questions which is XXXX XXXX credit card and XXXX XXXX of Florida I would like the CFPB to take matter on this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX CARD Date of inquiry XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/XXXX
Product: Checking or savings account

Opened Platinum checking account on XX/XX/XXXX and was to receive a {$400.00} bonus within 90 days of making a {$1000.00} direct deposit. ( Application ID : XXXX ) Citizens bank responded to my inquiry on XX/XX/XXXX as follows : " The bonus is paid out on our promotions 90 days from the date that the requirements of the promotion are met. Your account had a direct deposit of at least {$1000.00} which posted on XX/XX/XXXX. Therefore it is too early for the bonus to post. Please allow the appropriate time frame. '' 90 days would have been XX/XX/XXXX. As of XX/XX/XXXX, the bonus has not yet posted but a service charge of {$25.00} posted.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$7500.00} XXXX XXXX Balance : {$9400.00} XXXX  XXXX Balance : {$4100.00} XXXX  XXXX Balance : {$11000.00} XXXX XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$62000.00} XXXX  XXXX Balance : {$29000.00} XXXX  XXXX Balance : {$25000.00} XXXX  XXXX Balance : - XXXX  XXXX Balance : -
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are a violation of 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 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: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting company and XXXX XXXX XXXXXXXX have argued and yet to fix the problem. XXXXXXXX XXXX XXXX has not updated my payment history since XX/XX/2020 and I continue to call daily and they continue to tell the bureaus there is no problem. There is a high balance of {$7600.00} when the credit limit is {$1500.00}. The payment history shows I have paid {$0.00} every month which is absolutely not true.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

1. XXXX Account Number : XXXX 2. XXXX XXXX XXXX  Account Number : XXXX
Product: Debt collection

My account was charged off due to a financial hardship from health reasons. I am writing to get the account back open with XXXX XXXX so I can pay the monthly payments of XXXX a month until the card is paid in full. I have received the notice stating that my loan application has been denied due to bad credit history. Would it be possible for you to check again and reconsider and reopen my XXXX XXXX credit card so I can start back making payments. Thank you very much for your help.
Product: Debt collection

The creditor is reporting inaccurate information that my last payment was in XX/XX/XXXX when it was in XX/XX/XXXX to XXXX. If the correct information was being provided, it would be beyond the statute of limitations and I would be within my rights to have it removed. I wrote them a letter advising them to correct the information they are reporting immediately. The report they made to XXXX has no payment history, so the credit agency wo n't validate my complaint to them.
Product: Debt collection

I do now know what is Worth Finance, I do not know why they have all my information. They tried to contact me every days last few months ago, I thought they was scam so I tried to ignore them. They sent me a lot of letters from different addresses that I own them {$2000.00}. I saw their address from XXXX and XXXX but I did not go there this year. They proceeded the loans without verification, I did receive any verify email or call to verify. They have my phone number and my address why they do not send any verify to make sure. They just processed by themselves and then ask me to pay for the debt I did not own. THAT IS SCAM. They tried to call me from different phone number every day, around 2 to 3 time a day. They sent a lot of mail to request me to pay for the debt I dont know. They was process the loan without verification. I dont know why they have all my correct information but I can sure I didnt open this loans
Product: Credit reporting or other personal consumer reports

I demand that any OTHER reported personal identifier information be removed from reporting as it does NOT MATCH EXACTLY my true current CORRECT information EXACTLY as I have detailed above. It is MY RIGHT to DENY YOU AUTHORITY TO REPORT DEFICIENT of factual verifiability of validation of only TRUE CORRECT COMPLETE TIMELY CLAIMS which as well are CERTIFIABLY COMPIANT IN their reporting, even to the mandatorily perfect and certified METRO 2 format reporting standard ( s ) of compliance!

Recently, I contacted your firm with a formal consumer complaint challenging reported claim ( s ) under the FCRA 611 ( a ) ( 7 ). Included as well in addition of that check for compliant reporting, I sent a formal written validation demand to the Creditor for the Inquiry that you are reporting. I received back a denial of process and an assertion that the records of the inquiry ( ies ) reported were in fact UNAVAILABLE, or so they claimed! No matter if you or a third party has collected this information, you must have an adequate record to legally substantiate the claim ( s ), if not it ( they ) is/are UNVERIFIEABLE, invalid, or not factually certified compliantly reported ( even to the mandatory Metro 2 format standards ) or ANY OTHER DEFICIENCY OF FACTUAL REPORTING and or process of reporting then said allegations are unfit and therefore CAN NOT be LEGALLY reported. Tort law is quite clear in this matter! You have NO MORE THAN 5 days to DELETE the ITEM and provide me with written verification of that DELETION for my records. If you choose not to, I will have no choice but commence the unpleasantness of a Section1024.35 ( Notice of Error ) under Regulation X of the CFPB regulatory reform guidelines for Credit Reporting Agencies .

Below listed are the questionable if not altogether erroneous inquiries you are reporting, each of which REQUIRES ERADICATION from reporting IMMEDIATELY and PERMANENTLY :
Product: Credit reporting or other personal consumer reports

Equifax has consistently refused to remove a dispute when I requested