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

I made two payments on XX/XX/XXXX which resulted in an overpayment. The first was in the amount of {$550.00} which was a normal monthly payment. Later that same day, while the first payment was pending, I made a payoff payment for the full loan balance of {$22000.00}. 

This resulted in the loan being closed out as paid in full before the first payment cleared. The {$550.00} payment cleared out of the payment account with XXXXXXXX XXXX on XX/XX/XXXX but was never credited to the loan account at Navy Federal Credit Union. 

I contacted NFCU on XX/XX/XXXX and was told that the payment would be automatically refunded back to the issuing bank. On XX/XX/XXXX this had still not happened so I contacted NFCU again and was told that the first rep was incorrect and they would need a copy of my XXXX  account statement showing the transaction had posted before they could refund the overpayment, and that it could only be applied to a NFCU bank account, not refunded back to XXXX. I supplied the requested bank statement for the full month of XXXX on XX/XX/XXXX. 

On XX/XX/XXXX I received correspondence from NFCU that they would not accept my XXXXXXXX XXXX statement because while it shows the posted transaction and cleared date, it does not contain a running balance. I have no control over how XXXXXXXX XXXX formats their account statements. It has been 11 days, so at this point the ACH transaction has long cleared on NFCUs side to show that the transaction was not rejected by XXXX. 

At this point NFCU is unwilling to refund my overpayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Upstart sending the attached document via email and mail. Upstart has refused to remove this account that should not be reporting on my consumer report. Upstart is in violation of several laws and I am demanding deletion of this account on my consumer reports. 

The reporting of these account ( XXXX ) is/are violations of XXXX XXXX XXXX XXXX The Fair Credit Reporting Act [ XXXX XXXX XXXX XXXX a ) ( XXXX ) ( XXXX  ) ] : ( XXXX ) EXCLUSIONS.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( XXXX ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act XXXX XXXX XXXX ( XXXX ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. Therefore this account should not be reporting on my consumer report. 

I have recently come across inform from the XXXX XXXX XXXX  ( XXXX ) more specifically the XXXX XXXX XXXX XXXX Code XXXX - Obligations with respect to disclosures of personal information ( XXXX ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. 
( XXXX ) OPT OUT ( XXXX ) IN XXXX XXXX XXXX may not disclose nonpublic personal information to a nonaffiliated third party unless ( XXXX ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party ; ( XXXX ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( XXXX ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

UPSTART did not disclose this information to me that is required by federal law. 
UPSTART knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties. 
UPSTART knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. 

I have also requested all correspondence sent via mail but Upstart continues to email me. I do not monitor email and I need every communication sent via mail to my address on file with the company.
Product: Checking or savings account

I deposited my check and it's verified and then But not through their system so they put a hold on my rent money check and now Im homeless because they chase bank won't call the number to verify the check only looking up the number they say if they look it up and it doesn't show I can have my legitimate check
Product: Credit card or prepaid card

I had fradulent online charges using my debit card on XXXX to XXXX in the amount of {$2800.00}. I reported it on XXXX as soon as i noticed it, had my card cancelled and a new one issued. I got a letter dated XXXX from Money Network, my financial institution that i had to sign and return. I sent the form back and awaited a response. I got a response denying my claim. After speaking to them i found out they never investigated anything, they claim they based the decision on previous account usage. I never had any charges/payments to 99 % of those merchants. I have since filed a police report and appeal with money Network and no money has been returned
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a certified letter ( XXXX ) to Experian for a re-investigation on accounts that were previously disputed. The letter was then received by Experian on XX/XX/2019 at XXXXper USPS tracking. The letter clearly stated the following information. 

I then received a response from Experian on XX/XX/2019 stating they were not going to re-investigate the accounts unless I submitted documentation to support my claim as they were deemed as " accurate & verified ''. 

Experian refuses to delete/correct blatant INACCURATE information directly pulled from their report. 

Please see attached letter that was sent outlining each account with their respective violations ( FDCPA ) & blatant inaccuracies. 

FCRA states its the sole responsibility & burden of each credit bureau to conduct a proper legal investigation. Also that the information reporting is 100 % accurate & verified or needs to be removed immediate.
Product: Checking or savings account

I am a XXXX year old woman but I am not dead. Yet Ally Bank, citing a " public record '', gave " deceased '' and " inability to authenticate '' me as their reason for denying me access to my over {$100000.00} saving account for two months, from XX/XX/XXXX through XX/XX/2020. 

It was only after a complaint to the CFPB that Ally broke their silence to confirm that this was why they would not speak or answer correspondence. It was also only then, on XX/XX/XXXX, that they announced I could finally access my funds. 

However, this response neither fully nor altogether truthfully addresses the issue : By XX/XX/XXXX Ally had full and incontestable proof that ( 1 ) I was alive and ( 2 ) the rightful claimant to the account. 

Why did they make no attempt to correct their monstrous error? Why instead did they wrongfully persist in ignoring me, dishonoring my withdrawal instructions and violating my rights as a depositor for an additional six stressful weeks? 

By XX/XX/XXXX they had received -- a copy of my current drivers license -- a copy of my most recent electricity bill -- a copy of the CD that matured XX/XX/XXXX which provided the money that they had permitted me to transfer to my savings account -- I verbally supplied correct answers to all personal and security questions on all occasions -- They had as well my addresses, physical and email ( long established and unchanged ), my telephone number, birthdate, beneficiary name, names of linked financial institutions ( including the one that presented my withdrawal instructions ). 

At any time they could, of course, have easily asked me for additional documentation. BUT THEY DID NOT. 

Initially they may have had a " public record '' of someone's death but since they haven't disclosed any specifics despite my requests, I have no way of knowing if even that is true. Nonetheless, any such purported record would not, could not, match the facts in their own file about me -- my birthdate, address, even full name ; it could not have been anything other than plainly and irrefutably not mine and certainly not a credible excuse for questioning my existence. 

In short, once Ally knew I was not dead as well as that I obviously was the " authenic '' account holder, they no longer had any legitimate reason for continuing to deny me my rights and for failing to perform their legal duty. 

Yet that's what they did. 

My lost interest ( what I would have earned over and above what the Ally account paid ) amounts to approximately {$270.00}. Ally breached our contract as of XX/XX/XXXX when they were also warned of consequential damages but continued to disregard their duties under the UCC. I hold them as legally liable and I want to be made whole.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so confused on what is really happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. I asked XXXX and Transunion where did they get this information and provide proof of ownership but not a single account was proven to be mine.  The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX XXXX,  XXXX XXXX XXXX,  XXXX XXXX, XXXX   XXXX XXXX,  XXXX/XXXX XXXX, XXXX XXXX XXXX,  XXXX/XXXX   XXXX,  XXXX XXXX   (Original Creditor: XXXX   XXXX XXXX XXXX XXXX XXXX)XXXX, XXXX XXXX    (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX,  XXXX XXXX  (Original Creditor: XXXX XXXX XXXX) XXXX, 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

I sent out certified letter demanding immediate removal of those accounts provided in the letter attached which was back in XX/XX/year> which my demands was not met now I demand immediate removal & be compensated XXXX for violating my rights
Product: Credit card or prepaid card

On XX/XX/2020 my Bank of America credit card was charged USD XXXX to make a XXXX purchase in XXXX XXXX. Two days ago I noticed this transsaction so I immediately called the bank cause I did not recognized it. I opened a fraud dispute and the card was cancelled and they issed a temporary credit for this amount. However on XX/XX/2020 I received a letter from Bank of America ( attached ) saying they would charge the money back cause they could find out ( they dont say how ) I used the card and the pin was entered ( which is a lie cause credit cards do not require pin ) so that they would close the case. I reopened it on XX/XX/2020 and a few days ago I received a letter from Bofa saying they still considered I did the purchase. They do not explain which XXXX was it, because there are a lot on XXXX XXXX, how they can prove I did it, or any additional details I would at at least like to know. I have been their customer for more than two years I always pay on time, I dont see the point I would be making out this story and not paying for something I used. But in this case I feel totally helpless, I did not purchase anything for that amount in XXXX cause I not even live in XXXX XXXX, and my purchase history can tell it. I feel disrespected cause they not even took the time to check with XXXX they just say your card was used I say probably it was so but it wasnt me or anyone I have authorized. I also mentioned before a few days ago I have given my card info by phone to a clinic so may be thats how they got my card info.
Product: Mortgage

On XX/XX/2023 I spoke to a very rude condescending XXXX XXXX XXXX, ( at least that is the name he gave me from XXXX Tx ) ( XXXX ) XXXX. Since he refused to give me any information, I had to ask and then demand NUMEROUS times to speak to a supervisor, because he kept refusing me, and he continued to refuse to transfer me, telling me his supervisor is XXXX. Fast forward, here we are! Take a look at ALL Of the Complaints not only I have had to file against this lousy corrupt crooked bank but all the other consumers as well. How do they continue to stay in business?
Product: Debt collection

The collection company said that the hospital had a contracted Dr. on duty the night my daughter was seen at the hospital. They said health insurance paid the hospital bill but not the separate Dr. bill. The hospital is no longer in business. I ca n't get a hold of them to fight this bill and I am desperately working to improve my credit. To add insult to injury I was n't even the person who took her to the hospital that night almost 5 or 6 yrs ago so I did n't even sign the paperwork. Their are approximately XXXX separate accounts.
Product: Mortgage

I am now opening a formal complaint and reporting this file to Making Home Affordable.gov as well as the consumer finance protection bureau and the federal Trade commission. 

I would like to start by saying that we had submitted this transaction to Ocwen Loan Servicing with an offer of {$110000.00} Ocwen Required us to move the file to XXXX and list this on XXXX where another buyer won the auction at ( meeting he reserve bid ) and even bidding higher to {$110000.00} plus the required {$5200.00} plus {$290.00} both fees paid to XXXX. 

The file moved back to Ocwen, the file was then submitted to the investor and was rejected ( not for the HAFA fee of {$12000.00} being offered to the XXXX lien ) but because the purchase price was too low according to the investor. Ocwens solutions was to submit the file back to XXXX to have the property put back on the auction site and try to obtain a higher offer. 

I filed a complaint and the file moved to XXXX XXXX in escalations, and was told the file is no longer with ALtisource. I asked XXXX about the coutner/ value/ buyers premium etc. He decided to only answer emails he felt comfortable answering and stuck to countering me. 

He then asked me for a payoff for the XXXX which I obtained. He then countered me that the max to the XXXX in HAFA would be 8 % UPPB. He did n't want to provide the guidelines to me that stated it was 8 % nor did he want to explain why the XXXX 2016 HAFA policy says the agreegate cap can not be less than $ XXXX instead he wanted to speak with me via the telephone where he could speak over me and continue to argue with me that I was reading the policy wrong. 

I will be bring this up with those regulatory agencies so they can elaborate on their policy for Ocwen. 

I hope the Trade commission decided to investigate this Ocwen/ XXXX relationship. And I would like an explanation how this is acceptable customer service. Now we have been at this for months and months. I escalate a matter and get totally unprofessional service from your escalations representative. Please see below and advise.
Product: Vehicle loan or lease

On XX/XX/2024 I sent a Priority Mail request to Santander asking for proof of sale, a right to redeem notice, and a post-sale notice, but I have not received any response. This information is critical because the repossession is negatively impacting my credit score, and I need to verify the accuracy of the reported balance.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a dispute letter to Experian on XX/XX/XXXX and Experian ingored it while the XXXX response to my letter which was send 2 days after i notified Experian. 
When i tried to dispute online experiance refuse to dispute the information while XXXX did send them through investigation and deleted two of them. 
I learned that experian is notorious for not properly and throughly investigating consumer disputes and i want the CFPB to take notes about experian bad practices. 
The following are the account that experian is not disputing : XXXX XXXX XXXX .... Deleted by XXXX and Experian refused to thoroughly investigated it. 
XXXX XXXX XXXX XXXX .... 
XXXX XXXX .... 
XXXX XXXX XXXX  XXXX .... Deleted by XXXX and experian refused to investigated it.
Product: Credit reporting

I have disputed several times about bankruptcy on my report and also XXXX XXXX, not me, please validate and investigate. Equifax removed bankruptcy and now reposting again.
Product: Debt collection

I was contacted by Professional Finance Company , Inc. in XX/XX/XXXX stating that they were attempting to collect a debt for the XXXX. I asked PFC to provide me a reference account number, any possible verification of the debt they claimed I owed, because I had never received any communication in writing or verbally regarding this claim. All I was informed of was that they were unable to provide any information validating the " amount owed '' and that it was from the year XX/XX/XXXX. I immediately contacted the original creditor, XXXX and had the amount paid in full and my account put back in good standing. In XX/XX/XXXX, Professional Finance Company , Inc. reported the CLOSED, PAID IN FULL amount to the credit bureaus without any attempts to contact me. In addition, This debt was never owed to them. Now my credit report reflects inaccurate information. I demand that this be removed from my credit report immediately, I have filed a dispute with XXXX to have the inquiry removed. This is false, inaccurate information being reflected on my Credit Report. The debt was already paid and was never owed to Professional Finance Company , Inc .
Product: Credit reporting

I checked my personal credit report, which I got from Experian on XXXX XXXX, XXXX and I noticed that there are inquiries that I did not authorize. One of the unauthorized inquiries was made on XXXX XXXX, XXXX by a company called XXXX with an address of XXXX XXXX XXXX XXXX XXXX, CA XXXX. I never contacted nor asked this company for anything and I dont even know how so many inquiries are being reported when I never even applied for anything from these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off onXXXX 2023. I told the credit bureaus to " investigate every piece of information '' on the accounts listed below. I also attached the letter I sent out here is the tracking numbers attached, with letters and credit reports. 
According to the FRCA The term " investigate consumer report '' meansa consumer report or portion thereof in which information on consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquaintedor who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting100 % Accurate, and according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report Showing the inaccuracies attached. 

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

This is XXXX XXXX and I am submitting this complaint myself. 

Transunion is reporting inaccurate information about me and it is hurting my reputation through defamation. I am unable to do what I need to do to take care of myself because Transunion keeps violating me daily. 

First of all, my name is a variation of my actual name that is being reported by Transunion. My name is XXXX XXXX XXXX not XXXX XXXX XXXX 


Accounts Capital One/Walmart, XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reporting inaccurately and without permissible purpose. 

There was no written instructions given directly to Transunion to report ANY information about me or experiences or transactions amongst myself, the consumer or another person. A consumer report excludes experiences or transactions between a consumer and person. Unfortunately Transunion is in fact in violation per the Fair Credit Reporting Act. 

Furthermore, the following hard inquires, there are no accounts in my name with ANY PERSONS LISTED BELOW and I DO NOT KNOW WHERE THESE INQUIRIES CAME FROM so I AM DEMANDING THAT THEY must be removed and deleted immediately : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/Charge off : 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 XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited a check into my JPMorgan Chase account and they put a hold for a long time, and then they freezed the account and then closed it, and now they drag around with the funds, and I can't pay my mortgage, and mortgage company says that my house is going to be foreclosure.