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

got the lease back XX/XX/XXXX - set up the payments on Autopay - XX/XX/XXXX- i receive an ugly letter saying - Notice of Acceleration - i called back in XX/XX/XXXX to get a payoff and they never said i missed a pyment i called when i received ugly letter XX/XX/XXXX and they said i missed the XX/XX/XXXX payment i got my bank statement and i show i made the payment but after going thru all my statements- i see the never took the XX/XX/XXXX payment- i had plenty of money in my account. 
i have called so many times asking for a full payment history and not received it only email to log into the website i have spoke to a XXXX many times at XXXX few times and she says its a system error and her supervisor is reviewing and ever time i speak to her i ask her to call me back .... no one has ever called me back. 
Also i want to go ahead and pay the XXXX since i do see it never was collected and she says just wait .... 
i am still wainting and nothing is geting done
Product: Credit reporting or other personal consumer reports

My personal information is not correct at all. I have filed a FTC report for Identity theft and would like this information to be removed from all 3 credit agencies. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 



Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.
Product: Mortgage

On XX/XX/XXXX, we discovered that U.S. Bancorp Investments , Inc. had withdrawn funds from our escrow account without authorization to pay property taxes on a property that we don't own. The situation is complicated, as the property is located in a different county than our home mortgage with US Bank. We immediately contacted US Bank to report the error, but they were evasive and unhelpful. We had to take matters into our own hands and contacted the XXXX XXXX Treasurer to prevent the legitimate owner of the parcel from being reimbursed with funds from OUR ESCROW ACCOUNT. 

Not only did US Bank 's wrongful payment jeopardize the integrity of our escrow account, but it also imposed an unnecessary and unjust financial burden on us. Despite our repeated attempts to contact US Bank, they provided unsatisfactory responses and showed a dismissive attitude towards our concerns. We demand a coherent explanation for this egregious error. 

On XX/XX/XXXX, we filed a formal complaint with CFPB after more than a week of dealing with US Bank 's failure to provide relevant details. On XX/XX/XXXX, we still hadn't received any documentation about when or HOW US Bank received the incorrect information. It wasn't until we received a phone call from the XXXX XXXX XXXX on XX/XX/XXXX that we learned that US Bank had contacted them requesting reimbursement for the erroneous tax payment. 

As a licensed real estate agent, we understand the required documentation to close any transaction. We are confident that the missing " legal description '' in the Title Commitment is not the reason for this catastrophic error two and a half years after the loan originated with US Bank. US Bank is trying to place responsibility for the missing legal description, which is unacceptable despite the absence of legally recorded documents validating their claim. The historical snapshot US Bank attached to their response was irrelevant and did not add value to their explanation. 

We have access to our own US Bank mortgage account, and we are perplexed as to why US Bank paid ONLY on the correct parcel since the loan originated on XX/XX/2021, if they received the incorrect Tax Parcel ID at closing. Why did US Bank wait XXXX years to pay taxes on the additional parcel? When was the wrong parcel added to our account? Why would US Bank allow two properties, especially one without proper documentation, to be associated with one mortgage account? 

The lack of transparency and accountability that US Bank has demonstrated throughout this ordeal is deeply troubling. They have shown no willingness to accept responsibility for their blatant mistake, which violates our consumer rights and represents a fundamental breach of their fiduciary duty. 

We insist that US Bank provide the requested documentation that accompanies their explanation for the error instead of blaming it on the missing legal description. If we hadn't reviewed our escrow account carefully, this wrongful payment would have gone unnoticed, allowing U.S. Bank to continue making unauthorized payments without repercussions.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

I bought a XXXX/Hyundai Elantra Limited Edition for {$15000.00} on XXXX XXXX, 2015. However, at the time it was listed for {$12000.00} at XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 
They said the reason they charged extra {$3000.00} for it because I have poor credits, possession fee, etc.. and the car is a limited Edition. I later on found out that the car is not a Limited Edition. I do n't see the possession fee listed on my receipt either I feel I got cheated/scammed. The car also has some periodic rattling issues after the warranty expired which is a month ( the warranty coverage was good for only one month! ). I wanted to switch the car for a better one but the dealer said in order to do that I must improve my credit score in six months. 
After 2 months passed by, they later told me that I could only trade-in the car instead of switch for the same value. They only gave me XXXX set of car key ( suppose XXXX sets ) and they did not send me the registration sticker until I complain about it ( the temporary one was about to expired ).
Product: Credit card

Over paid Synchrony Bank {$1200.00} after a stop check payment failed to attach. Called Synchrony Bank on XX/XX/2017 and they said I had to wait 10 days for the overpayment check to clear and another 2 weeks to process reimbursement to me. I do n't understand why a financial institution would take two weeks to process reimbursement. It seems like it 's a great way for a financial institution to collect interest on money that does not belong to them. The women I spoke with did not provide any type of confirmation number to evidence that the request had been made and that reimbursement would follow according to schedule. I am submitting this complaint in the event other Synchrony Bank customers are experiencing similar delays and also to ensure that reimbursement will occur as promised.
Product: Money transfer, virtual currency, or money service

I sold an item to a person through facebook page and he promised to transfer the money ( {$150.00} ) to  my Bank of America ( BOFA ) account. 
He sent me a screenshot of BOFA transfer where it says " your transfer is kept on hold for security reasons ''. I am attaching that screenshot here. 
He called BOFA and raised a claim on my account for {$1000.00} and {$1300.00}. He asked me for 6 digit code I received on my mobile so BOFA can release the funds. 
He told me that he transferred {$1000.00} and {$1300.00} by mistake instead of {$150.00} and asked me to transfer the remaining amount back. 
I did transfer the money to him through BOFA and it reached him. 
Next day, the claims which he raised on my behalf are cancelled as they are false. 
Finally I end up losing {$2300.00} to a fraudster.
Product: Vehicle loan or lease

Company reported wrong information as missed payment on my credit report and didn't updated my last payment for XXXX I'm always on tract it's the company bank problem which send back the charged amount in bank account and then again tried to charge and they do it XXXX 4 times a month And they didn't reported my last payment and they did updated the credit but didn't updated my XXXX payment On my side I'm on time and their bank is making it late so why they are blaming on me, All this started happening when I was trying to resolve the CAR Registration problem and was requesting documentation to change the registration from my name to my dad 's which is the real person and I'm just a co signer, why do I suffer all this
Product: Debt collection

On XX/XX/2023, I noticed two unauthorized transactions were taken from my bank account for {$120.00} and {$410.00}. I found out that the bank stated it said legal order Debit case on the history and to contact XXXX XXXX XXXX, ( XXXX ) XXXX in XXXX XXXX, Va XXXX Instead of speaking to XXXX XXXX the number goes to a collection agency in XXXX, Va. where I no longer live and where there the debt was originated. The company did not notify me about the debt before they took the debt amount out of my bank account. my bank is still holding the funds and the company is stating that I need to sign a release form for them to receive the funds but I want to make payment arrangements and they seem to be making it difficult for me to do so. The original debt is {$250.00} but I'm being charged 6 % interest, Attorney fees : {$63.00}, and court cost : {$78.00}. Not right! All of these fees were taken out of my account.
Product: Mortgage

I had been working for XXXX XXXX when I first brought my home. In XXXX of 2022 I put in my two weeks notice because of XXXX  health reasons. From XXXX till XXXX I was unemployed but I did have some saving I used to keep my bills current. In XX/XX/2022 I had started working my new job but the pay was significantly lower than my previous job and I just got behind. The company did try to help, they had given me like 3 months extension where I didnt have to pay my mortgage. I did let them know I wanted to start paying my mortgage again I just had gotten behind on everything.
Product: Credit reporting or other personal consumer reports

XXXXXXXX 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 XXXXXXXX pulled my credit over 30 times without my consent it is hurting my credit score significantly please assitit with removing these hard inquires.

Fair Credit Reporting Act ( FCRA )
Product: Student loan

Hello currently it states that I owe {$58000.00} on my student loan. However at the time of my student loan the maximum amount that I was allowed to borrow was up to {$18000.00}. Somewhere along the lines I have been scammed & fraud. When I try to contact My Fed Loan.org they transfer me to / give me a disconnected phone number. They said that I need to talk to their consolidation department ( which I have tirelessly tried to find and most likely doesn't exist. ) I don't know what to do from here. I looked at my loan disbursements and the majority of them are incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to my dispute over ONE FALSE ACCOUNT being reported by Equifax, they investigated 19 unrelated accounts in my records THAT I NEVER ASKED THEM TO DO. 
In doing so, they removed accounts that were important since they showed my credit history. I have a 28 year credit history, however because of these unauthorized actions taken by Equifax, they are now claiming my credit history is only 2 YEARS! THEIR UNSOLICITED ACTIONS LOWERED MY CREDIT SCORE. Why would I ask them to " investigate '' and/or remove all these former accounts that were all closed in good standing? I would never request this. So, why did they mess up my records for no reason? They also NEVER ADDRESSED THE ONE ACCOUNT I WAS DISPUTING! I do not appreciate them ignoring my actual request, then opening up 19 unnecessary investigations that served no purpose. My letter to them was VERY CLEAR and it was impossible for them to confuse an investigation of one specific account with all my other past & present accounts. THEY DID NOTHING TO RESOLVE MY DISPUTE. INSTEAD, THEY MESSED UP ALL MY OTHER ACCOUNTS AND CAUSED MY SCORE TO DROP. This is a violation of my FCRA rights. They even wrote on my dispute results that my " dispute was not specific ''! It most certainly was specific. The problem is that they can not distinguish what a basic dispute is or isn't!
Product: Credit card or prepaid card

Hi, My sons each received {$100.00} gift cards from their grandmother. They were purchased at a XXXX in XXXX XXXX, Fl. One of the cards was perfectly fine, the other only had 12 numbers ( instead of 16 ) so it could not be used. Both cards were sealed in packets. I am submitting a complaint because I called the provider, Vanilla gift cards, and I followed their process exactly to explain the fraud. I have not heard anything back or received any acknowledgment. I think it's shaky a firm of this size and stature doesn't even respond. It's only {$100.00}, but really the principal of not hearing anything back, and my mother-in-law is helpless as the purchaser as well. So the question to the CFPB is that this gift card was obviously fraudulent. I went online and read about this and it sounds like it happens quite often. Given it's prevalent, what is the issuer 's process to make good. Is it simply the buyer loses out? If that's the case I'll urge relatives to send cash instead. Just seems so wrong my mother-in-law 's gift is out the window and feel like the work I did to follow their process has not registered anything. It feels like I went into a black hole and that's not right for the consumer. I run a federal credit union so I know about credit disputes. This I've not seen before with our gift card program so was so curious how Vanilla would respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on XX/XX/XXXX with Equifax a my mortgage company XXXX XXXX XXXX XXXX located in XXXX, TN is incorrectly reporting on my credit. They are reporting that I have not paid since XX/XX/XXXX, that I have missed XX/XX/XXXX and XX/XX/XXXX payments as well as me having a past due balance of {$2600.00} and it shows my mortgage balance increased {$980.00} ( which is incorrect ), so the balance on my mortgage is wrong. All of this information is incorrect. My account is current, I have no past due balance, I paid for XX/XX/XXXX and XX/XX/XXXX, my mortgage balance did not increase and instead decreased, my mortgage balance is {$180000.00} NOT {$180000.00}. Again, I submitted this dispute with Equifax on XX/XX/XXXX and received notification on XX/XX/XXXX that it had been completed but still with the wrong information. Equifax did a poor job in getting the correct information updated. I then called my mortgage company and spoke with someone and they said they were able to see that my account was current but they were unsure why it's reporting wrong but could not resolve the issue. They simply asked me to send an email and this has caused my credit score to drop several times. The lady with the mortgage company said they may not have checked my account but why would they report to the credit bureau with incorrect information, without truly checking my account. I'm attaching the dispute section from Equifax showing no changes made and the incorrect information. I'm also attaching a screenshot of my mortgage account online to show my current balance with no past due amount and when the last payment was received.
Product: Credit reporting or other personal consumer reports

I asked EQUIFAX for the reason why they would removed the credit freeze that I have had in place since 2011. I have yet to get a response. I have asked EQUIFAX if the removal of the credit freeze that I placed in 2011 is the result of their very public security breach to which they REFUSE to provide such information or supply proof of a request to remove it by me. For my own personal reason, in 2011 I placed credit freezes on all three ( 3 ) credit reports only for Equifax to remove it without my permission, when I learned several months ago, that someone accessed my credit report without my permission. In order for someone to do so I should have been able to provide a PIN number to remove it in order to gain access to it. Instead, the requested received full access to my Equifax report and that is how I learned that the freeze was removed. When I asked Equifax directly, I was immediately given he runarounds and never given an answer. In fact, they have constantly asked me to provide proof of who I am when in fact, I have been asking them to evidence of the request to remove the freeze because it was not me. By demanding that I prove who I am makes me wonder if they asked the same to have it removed, because I never received a request. All of their misdirections gave me reason to be concerned that this is nothing more than a security breach by Equifax and they would rather cover up their ineptitude rather than admit to it. I have called repeatedly and with every call I had this overwhelming feeling that I wasn't actually speaking to a representative of Equifax so I was reluctant to provide any personal identifiable information especially when they asked that I provide PII. When I would ask for a manager/supervisor, someone would either hang up on me or pretend to be a manager/supervisor. 

I say it loudly, I NEVER requested to have the credit freeze removed from my Equifax report. I have every right to be reluctant of every representative I've spoken to, the website that redirects me to a number to call versus other forms of communication like that of XXXX or XXXX. 

With all of the identity thefts and criminalities that is going on in the world especially in the wake of the pandemic, I have every right to be apprehensive about their requests and proof of who I am when it wasn't a requirement of a scammer looking to gain my PII. Additionally, it truly disgusts me that a 3rd party credit reporting bureau who answers to the CFPB are allowed to behave as if they can't be held accountable for their actions. All I ask is that the freeze be placed back onto my credit profile with the original pin that I created when I placed a freeze on my report back in 2011. It's not that difficult to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 Ive notice this fraudulent account XXXX XXXXXXXX XXXX XXXX Amount owed {$4500.00} this is a list below of fraudulent inquiries below 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion has refused to run accurate disputes for the past year, no disputes are ever run unless a CFPB complain is submitted. On XX/XX/XXXX ( see attached documentation ) I sent a 25 page packet will all my personal information certified mail to transunion which included all the prior accounts remove due to fraud as well as all the required identity information they requested. Transunion ignore the documentation as they have prior and I had to call in to resolve the issue. When I called they said they had no dispute open. I told them to open disputes for XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX as these accounts have already been removed from my XXXX do to fraud, they said they would open disputes. When I check back a week later they said again no disputes were open. I again called and told them to open dispute and submitted the removal files from XXXX and after yelling at me over the phone they said they would but when I logged in to check again no disputes were open.this was Violation 1 15 U.S. Code 1681i - Procedure in case of disputed accuracy as not only has the dispute gone far longer than 30 days they have failed to investigate the information presented. They did not even open the 25 page document sent and received Violation 2 was Violation of 15 U.S. Code 1692c - Communication in connection with debt collection. They have continued to update accounts instead of removal even when provided with dispute evidence. They have not ran a single dispute to FCRA accuracy AND have violated my consumer right on numerous occasions. I do not want the same person I spoke with or person who tossed my documents to be handling this dispute I need a manager to resolve said issues
Product: Debt collection

I have disputed this debt with credit bureaus and debt collector numerous times. I have never done business with this company nor entered into any agreement with them. I have asked that they verify details of this debt including that I legally owe them or delete from my credit report. I have not received any verifications nor has my credit report been updated with the requested deletion.
Product: Credit reporting or other personal consumer reports

I noticed that there is an inaccurate accounts on my credit report. Please it doesnt belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX I did not Authorize these Inquiries. I tried to settle with the bureaus, creditors, and still no one wanted to help resolve this issue at hand.