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

I have a car loan I prepaid for around XXXX months. After the XXXX  months of prepayment I didnt realize a payment was due and proper notification was not given and my car was repossessed. 

Also during the repossession the tow operator would not release the car as requested and damaged the car.
Product: Debt collection

On XX/XX/2023, I wrote to Amerifinancial Solutions, regarding some collections they had included on my credit report. I'm writing you this letter to inform you that I instructed the debt collectors to return the debt to the original creditor ( XXXX XXXX XXXX ) who sold it to them. It is unlawful but not enforceable for a collection agency to purchase debt from another business and then pursue the debtor as if they had entered into a contract with the agency. I am aware that there is no documentation at this collecting agency that would indicate I signed any agreements with them. I warned them that I would file a complaint with the CFPB, XXXX, FTC, and Attorney General if their collection firm did not return this amount to the original creditor. In addition, I will free legal representation for my lawsuit against your business for
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were  challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Debt collection

XXXX XXXX  dis not charge my medical insurance correctly. I called multiple times and was told they are working with my insurance to bill them correctly. I even had a three way call between BCBS of IL and Ascension in XXXX and was told to ignore the bills Ascension was sending. Ascension decided to send my bill to collections, Frost Arnett. I received a collections bill from them XX/XX/2024, three days after they initially contacted me. I disputed the charge through their website and also on XX/XX/XXXX, called Ascension and asked why I was being sent to collections for a problem they caused. I was told they would pull the debt back from Frost Arnett and escalate my issue. Ascension gave me the reference number XXXX and told me it would take 7-10 business days. During this time, I received another bill from Ascension for the incorrect amount and apparently Frost Arnett created the written notice on XX/XX/XXXX with all pertient information but didn't send it until XXXX. I received that notice in the mail on Thursday, XX/XX/XXXX, over thirty days from when they created the document and from when they were supposedly told by Ascension to stop collection.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity fraud and these item reported as credit items not belong to me and needs to be removed as soon as possible. Police report is filed and attached to support of this matter. Will also send a dispute letter with certified mail. Items not mine : 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

XX/XX/XXXX : cash deposit made of {$9900.00} in coins and bills.

XX/XX/XXXX : issue found on deposit amount and changed 1 of 2 times. Other change made on XX/XX/XXXX.

I have reciept stating cash deposit of {$9900.00} and another deposit stating {$9200.00} from same day. Both are over deposit bank is saying is actually placed.

Why does the deposit slip state a different amount than the transaction amount? Also, this is greater than the amount which was changed to.

When issue with transaction was discovered on XX/XX/XXXX how was this believed to be from transaction made on XX/XX/XXXX? Why did it take so long for issue to be discovered and processed?

If error was found prior why such a long difference in processing a cash transaction?

teller put transaction through bill counting machine. Counting machines add the transactions prior to being processed.

I would like to know amount counting machine states went through the system.

If amount is different on deposit from counting machine is the difference in coins?

If transaction was lower than initial deposit why was it assumed to be my transaction which was the cause?

Does each transaction get separated once processed or does each transaction get combined after being processed?

All money went through counting machine then was rebanded with correct amount the band states by the teller banding them. If a band is different than stated why is it banded in this form?

If transaction was counted in counting machine, the machine should be tied back to the teller when submitting the transaction amount so no errors are created or caught prior to making any.

Did the teller receive a warning about a difference in the transaction?

If they recieved a difference was that due to coins creating the difference?

If this isn't the case why did the teller accept a difference in the transaction?

Why didn't the teller ask for help in this transaction if there was an obvious difference from the coins and counting machine not combining the correct amount as the transaction amount?

Why was transaction deducted 2 times rather than 1 time if an error occurred?

Did more than one error occur on same transaction?

Is it common practice to not let aware errors or deductions in accounts when they occur? No attempt to contact was made in email or call when both are on file with banking system.

What is the legal grace period to change a cash deposit transaction? Cash deposits are made in legal tender coins and bills which are made legal in all of the United States no foreign money was involved in this transaction so amount should never change.

I would like to see a time stamp or transaction number of some sort from the bill counting machine referring to this transaction number on attached Reciept with the deposited amount.
Product: Credit card

On XXXX and XX/XX/year> I was told via app messaging that BECU will offset my deposit account for a past due credit card payment if it becomes too past due ( less than 30 days ). They did this to me one time before and I had to borrow money from family to make rent. I was expressing to someone who has worked in banking compliance for decades my worry BECU would do it again and he told me its illegal to offset deposit accounts specifically for credit card payments per the CFPBs interpretation of section 1026.12 ( d ). Per him, embedding a line within a 35 page document is not specific intent. BECU is insistent that they can do it because its in the terms and conditions. I finally got someone in loss management to send an email to compliance on XX/XX/year> at XXXX XXXX XXXXXXXX. I feel BECU is harming me as a consumer and not allowing me to retain my rights under the Truth in Lending Act.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account XXXX : XXXX and list of Inquiries. 

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 XXXX 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: Debt collection

I consumer ( XXXX XXXX XXXX looked at my credit report recently and I notice that this company NCA was violating my rights as a consumer. I have done no business with NCA and don't plan on doing business with them. These accounts are hurting my credit report. As a consumer, I have a right to privacy. I no longer have that due to these collections. I have been harassed which is another violation. Please do not tell me that I have not only I the consumer can consider what is harassment. My character has been defamed. I am demanding the following actions below. I have sent them an invoice with all violations. I have attached my license.
Product: Mortgage

I purchased a new build home and my mortgage was sold to PHH Mortgage ( XXXX XXXX  ),  which is the current company I am working with. Well the property taxes were updated and I followed protocol and sent them the update tax amount and they did not update on their end. Well now there is an outstanding balance and property tax is supposed to be built into the mortgage payments. I started this process on XX/XX/XXXX with no response, then again on XX/XX/XXXX which PHH told me it was resolved, it wasn't. I followed up again on XX/XX/XXXX and still nothing. On XX/XX/XXXX, finally after 4 hours of holding I got a hold of the escalations department, XXXX to be specific and explained my frustration and he told me they would handle it and call me once settled, which here I am on XX/XX/XXXX and no response from them at all. XXXX from their escalations department tried to tell me that is was paid, but was not able to provide a receipt showing that it was done. I have tried reaching out via email and phone today and just been placed on hold each time for a new department to help me. I have also contacted XXXX County to see if the mortgage company had reached out yet and they had no record of anyone calling to resolve the past due amount. Come XX/XX/XXXX we will owe double on our property taxes and still no resolution in sight. At this point I don't know what else to do or how to get a hold of the company to get this resolved. This is such a simple inquiry and no one is able to help me just take notes of my issue and tell me that they will call me or let me know when it's complete and then I never hear back. The level of professionalism and customer service at this company does not exist at all. No one knows where to direct you and no one knows how to follow up or follow through with issues. If this causes bankruptcy or a lean to put on the house I will take legal action and sue for damages.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several billing mistakes. These late payments are inconsistent with my usual payment history.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX ( XXXX XXXX ) owes me a refund of {$8700.00}. This is due to them telling me to apply for additional loans from other banks. XXXX XXXX   agreed that they had received an excess of {$8700.00} and that this amount would be credited to the account that was opened with GreenSky, a creditor. I have been corresponding with GreenSky and they have indicated that no refund has been received and that because of the nature of their relationship with XXXX XXXX, any such credit needs to be sent to me directly to me to deposit and make a direct payment to the account. XXXX XXXX XXXX is unresponsive and GreenSky is in essence not helping me recover the overage.
Product: Credit card or prepaid card

XX/XX/XXXX Made a ticket purchased thru capital one travels site. Tickets was purchased for one stop flight then everything was confirmed. Notice on tickets was was two stop not one. XX/XX/XXXX Had to call to confirm was two stop so that was misleading. Told them price was lower for same flight on XXXX airline. Didnt bother to help ( end ). Weeks when by notice there advertisement price drop in 10 days get {$50.00} back. I called airline stated flight do not qualify and I had proof price drop. ( no help ) no where is stated need to pay fee ( end ) another problem connecting flight to final destination was operate by another company and NO booking confirmation was provided and couldnt get check in. Inconvenience service and misleading on every thing. Paid so much for no service just to tell they can not do anything about it. A waste of time and headaches
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I noticed my credit score took a plunge. I reviewed my reports and Money Lion reported a missed payment for the month of XXXX. When the account was closed out in the month of XXXX. 
I disputed the information in XXXX. The credit bureaus did not offer any assistance in the matter. After I provided evidence, I have not ever been late and I paid the account out. 
Today, XX/XX/2021 they are asking me to resubmit another dispute for their discrepancies. I have called MoneyLion and they are telling me they see the account in good standing as well. 
This is false information being reported on my credit report which is hindering me and penalizing me due to no fault of my own.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I sent an express remittance from Remitly Inc. for {$1200.00}, i shortly received a message that there was a delay in the transaction and that it would be completed the following day. The following the XX/XX/XXXX the transaction was marked as completed, however when I contacted the recipient they and their bank said there was no money in the account. I contacted Remitly Inc. on the XXXX, and they said it might take 3 business days before it will show up in the account. I waited until the XXXX and the money was still not in the account. I contacted them the XXXX and XXXX and was told it he issue was sent out for investigation and I should receive a call from their investigation department in 24hrs and that a message has been sent to their banking partner and they will hear back in three business days. I contacted them the XXXX, and was told the issue is still under investigation and that they have still not heard back from their banking partner and thats they will contact me in 24 hours. At this point it is now almost 3 weeks I dont know where my money is their recipient nor the bank has not received it in the account. I just want my {$1200.00} refunded so I can find other methods to send it the the receiver.
Product: Credit card

Comenity Bank approved a XXXX card for me on XXXX/XXXX/XXXX. I received a credit bureau notification the they account was closed on XXXX/XXXX/XXXX. Both the online and voice status of the account indicated that the account was active. I called the bank again and spoke with a bank agent. They told me the account was closed and tried to help me find out why. They said it was a based on a recent credit pull that show a lot of credit inquiries? They would not say what they meant by a lot of credit inquiries. They said a letter was being sent. I finally received the letter from Comenity Bank and it said it was closed due to too many credit inquiries. The credit bureau referenced was different from the one that they pull to approve the account. When I received the card from them, there was no disclosure to what credit score or bureau was used to approve my account and determine the account APR. I have many other accounts with the bank with XXXX late payment history. I have a 3 year good payment history with the bank. In fact I have always paid any account balance in full upon receiving a statement from them. I had already made numerous payments on this account. They should not have approved the account to begin with if
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter with an FTC report included to Transunion and XXXX on XX/XX/18 regarding a few hard inquiries that were not authorized by me. Neither credit bureau has resolved the issue so I would like for you guys to help me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA a company can not publish an inquiry on my report without my written consent. The following dates are inquiries on my report that I haven't submitted a written consent to : XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/2023 to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/2023. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXX Balance {$750.00} ; XXXX & XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX XXXX {$9800.00} ; XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX Inquiry : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$570.00} ; XXXX XXXX XXXX Balance : {$7000.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} ; XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/2023, multiple charges from to the same place with the same amount were placed on my debit card with Reigions bank from Florida. I live in Mississippi and and filed a freud claim with the bank. They made me wait 3 weeks, ensuring my money would be returned in that time. When the 3 weeks was up and I heard nothing from my bank, I contacted to them to find that my claim was denied and the ban would no longer help me get my money back. They claimed there was no way to prove it was not me, however this happened in Florida while I was in Mississippi. I was never notified that the money was taken out by someone in a different state, and the bank has refused to help me any further. About {$3000.00} was taken from me with no help on getting it back.
Product: Mortgage

Since before XX/XX/2022 I have been requesting from Cardinal Financial to begin the process for a family memeber to Assume my mortgage loan. The process starts with a required written letter requesting a packet. It is now XXXX and in XXXX the packet still had not been sent. After calling an email was sent with one question " will the person assuming the loan be residing at the address as a primary residence? '' I again was required to fax or mail the response which is timely. XXXX weeks later and still no response with a packet or a clear timeline of how long this process should take. It shouldn't take 8 months to receive a packet. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Professional Account Services, Inc. called me today, tried to get my bank account information to collect a debt. I knew I owed medical bills but I got a website from them to pay on because I do n't trust phone calls. I pay the bill online but the invoice does n't say anything about what it was for. When I call back to give them the transaction ID number for the payment they said that the debt was for XXXX ambulance rides totaling {$4700.00}, they said {$1000.00} something for XXXX and {$3000.00} something for the other one. I said ok, but when I got home I noticed that those ambulance rides only totaled to {$3300.00}. I called the original debt owner, the ambulance service, and they said that the collection agency charges an additional 40 % for themselves. I go to my bank to try to cancel the payment until I can talk to my lawyer. I could n't stop it because it was pending. I call Professional Account Services, Inc. to ask them if I had to pay the extra XXXX %. They said yes. I told them that when I talked to them earlier they misrepresented what I was paying by saying that I was paying it all to the ambulance service. They said they did n't have to tell me added on fees unless I asked, but I believed there was no reason to ask because they quoted the money going to the ambulance service bill, plus they were talking about taking me to court, plus I trusted the website which also told me nothing. Now I have to wait until Monday or Tuesday to see if I can cancel the payment through them until I can at least get everything in writing or talk to my lawyers, who are also closed until Monday or Tuesday.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 
I XXXX XXXX recently received a copy of my consumer reports ( XXXX, XXXX, Equifix ) and I noticed some late payments posted on my consumer report. This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 
Accounts XXXX  XXXX XXXX  -Account # XXXX ( Month Showing Late XX/XX/2022 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has not responded to any of my disputes Letters sent XX/XX/XXXX Certified Received XXXX XX/XX/XXXX Certified Received XX/XX/XXXX XX/XX/XXXX Sent regular Mail XX/XX/XXXX Certified Received XX/XX/XXXX XX/XX/XXXX Certified Received XX/XX/XXXX XX/XX/XXXX Certified Received XX/XX/XXXX Inaccurate Accounts listed are XXXX  -inaccurate and unverified XXXX-inaccurate and unverified XXXX XXXX-inaccurate and unverified Letters sent XX/XX/XXXX Certified Received XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Certified Received XX/XX/XXXX, XX/XX/XXXX Certified Received XX/XX/XXXX Inaccurate Accounts listed are Chapter XXXX Bankruptcy -inaccurate and unverified XXXX XXXX -inaccurate and unverified Response from TransUnion is just a single page saying the are investigating On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and a form that I have filled out and returned on many different occasion with current driver 's license, copy of social security card and a bank statement. 

I have already filed 2 CFPB complaints as well XX/XX/XXXX # XXXX and XX/XX/XXXX # XXXX I have also contact the state attorney general office of Florida. This is completely unacceptable in completely ignoring my disputes they do not even have the right address on file