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

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX and financed by Credit Acceptance.  XXXX is contact and owner of XXXX. In reviewing the Bill of Sale fees not discuss pre-delivery fee of {$190.00} and GAP {$630.00} include in sale totaling {$6600.00}. The vehicle was already on the lot AND I feel I was overcharged for the vehicle. I was under distress when I purchase this vehicle. After the down payment I owed {$5600.00}. Time of purchase the vehicle had over XXXX miles. I lost my job in XXXX and begin to struggle with payments. The vehicle was repossessed by Credit Acceptance on XX/XX/XXXXXXXX. I tried calling on a few occasions to make payment arrangements. My son just started a job and was getting first pay check on XXXX XXXX. I would have been two months down after XXXX. I asked Credit Acceptance to give me till XXXX XXXX. I was told by customer service they would call me back instead they pick up vehicle and repossessed. I had over {$2000.00} of nice stuff in vehicle because I was in the process of relocating and Credit Acceptance took my stuff. They did not send a letter or any information on repossessing vehicle or letter stating they were repossessing the vehicle. Now, Credit Acceptance has placed me in the Credit bureau claiming I owe on the vehicle that is no longer in my possession.
Product: Debt collection

I have been disputing this account for some time now with AD ASTRA RECOVERY. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds, I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : XXXX XXXX XXXX Discharged - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.
Product: Mortgage

Here we are again. I have written as well as called into this company numerous times and have been told that not only a manager of a manager is supposed to reach out to me but that I spoke with XXXX this past time she took my money and said that her personal manager would reach out to me and that she was due back in 30 or so minutes from lunch. 

I said even if she does not call even a simple email would be fine. This was now well over a week and a half ago and still nothing. XXXX said that she can see that I have had numerous complaints and that my File is Cred XXXX that they are not reporting and yet it still shows that they are This has been a long drawn out process and yet we can not get closure and at this point, I'm ready to just hand this over to the attorney and they can handle this from there seeing as there is nothing that we are getting from XXXX or Homeloan Serve not even a simple phone call
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally dispute certain items on my credit report that I believe are a result of identity theft. I have recently discovered that my personal information has been compromised, leading to unauthorized accounts and transactions being opened in my name without my consent.
Product: Debt collection

Hello my problem is in regards to a collection which has appeared on my credit reports and which I have no idea what it i sand or who it is from. The agency attempting to collect has been notified various times through dispute to provide me with validation ot the debt from the original source, because all they send are invoices which prove nothing more than what is now part of the public record. 

All disputes have fallen on deaf ears in hopes I go away. I have asked for compliance to the FCRA and the FDCPA which states they are to provide me tangible documentation. All disputes come back with no change. With no response. With nothing more than a ham handed stamp that the dispute meets compliance when nothing of an investigative nature was performed nor provided to me. 
It is my belief that the collection is fraudulent and illegal. I am asking for assistance as a meditator to this matter. To assist me in the correction of this problem and the removal of the fraudulent collection.
Product: Debt collection

I have told them that i don't know anything about this 3 debt collection that they are trying to get.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the TransUnion credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$460000.00}
Product: Mortgage

TO WHOM it may concern : I am filing this complaint because ocwen my loan servicer for XXXX had approved me for loan modification I did not receive any paperwork.I then had to resubmit to them. 
have been waiting over a month to hear anything other then they are still looking at it I started this process in XXXX of 2015 with the help of law firm. 
the reason for my hardship is separation from my wife. 
I work in the construction field so I have a slow season. 
with work getting ready to pick back up I was hoping to be around the house when they make a NEW DECISION but since I was approved I was wondering why this has to be drug out.
Product: Debt collection

The third party collection agency name XXXX XXXX left threatening voicemails to myself and my family members about an old debt saying if I don't contact them they will come to my home and arrest me. How rude and to top it off this debt went to bankruptcy and they also have the wrong year I took the loan out. They should of called the place that I took the loan from first and confirmed the date I took it before calling and leaving nasty messages that were unnecessary. This is a Third party collection and had no legal right to call my family members. 

P.S. Loan was taken XX/XX/XXXX NOT XX/XX/XXXX
Product: Debt collection

Synchrony Bank sold a debt for a credit card to XXXX XXXX XXXX and wrote the debt off ( which is reported on my credit report by Sychrony as " written off as bad debt ). The debt was {$3300.00} when it went into collections and was soley in my name -- no one else was associated with this debt. Additionally, XXXX did not know what this debt was, other than from Synchrony Bank and could not disclose what the debt was relating to. 

XXXX XXXX XXXX  began to call me from an unknown number, never leaving a message -- I never personally spoke with the debt collector. On XX/XX/XXXX, between XXXX XXXX  CST, they contacted my husband who was NOT associated with the debt.. XXXX XXXX XXXX  disclosed the following to my husband : Debtor, Amount, and time past due. I did not authorize the sharing of this information and is a violation of FDCPA. 

I immediately contacted XXXX XXXX XXXX, speaking with XXXX XXXX " operations manager, '' and asked why they would disclose the debt, which then they claim " Kansas is a spousal consent state and we can disclose that debt to to person you are married to. '' That is NOT how FDCPA, a federal regulation works. They can contact my spouse and ask my number and how to contact me, but they can NOT disclose debts, amount, debtor, and payment information. Additionally, XXXX XXXX XXXX LIED about communications with me and said they spoke with me in XXXX and were following up -- which is NOT true, this is false and misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX 3 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX - XXXX - - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XXXX XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Payday loan, title loan, or personal loan

I applied for a Paypal Pay in 4 Installment loan on XXXX for the amount of {$890.00}. I have used the service many times in the past and are being denied and given a notice with an incorrect or fabricated reason stating the current balances are too high. My current balances with Paypal pay in 4 are {$200.00} and the only other credit I have with them is a credit card with a {$30.00} balance. When I reached out to a representative through their messaging center I was told " Because of to the latest system update we no longer have access to view the exact reason and explain the decision reason you've received as to why you were declined. '' I believe this to be a violation of 12 CRF Part 1002.9 which states " If credit is denied, the applicant must be given the specific reason for the credit denial. '' to which the paypal representative confirmed is not available to provide.
Product: Checking or savings account

I scheduled a Bill Pay for {$2000.00} to my Wells Fargo Visa on XX/XX/2019 via my online Wells Fargo Checking Account. Wells Fargo then misdirects that bill pay check to XXXX. XXXX sends me an automated letter stating they don't have an account for me. I contact Wells Fargo to have them correct their error, but they misunderstand what has happened and they say it is online fraud, thus shutting my account down and creating a new checking account. 

After speaking with several people in the online fraud department, they confirm that it was an error by Wells Fargo. However, after that confirmation, I receive a letter on XX/XX/2019 stating that they have determined that the transaction was made by me, or someone who had my authorization. Again, this is an error on their part. That {$2000.00} bill pay transaction was made by me, but was supposed to go to my Wells Fargo Visa, as proven by the account number on the bill pay transaction. 

Then, after speaking with several more people in the online fraud department, I receive another letter on XX/XX/2019 stating that Wells Fargo made no error, but that they wanted to help me resolve the issue. Oh, and they finally give me a claim number, so I call them several more times, but to no avail. 

Then I receive another letter on XX/XX/2019 stating that they have closed the claim, while also stating that I deleted the XXXX Payee Information on XX/XX/2019, while totally laying the blame on me? Wells Fargo also tells me that the Online Claims Department has contacted XXXX to confirm that XXXX cashed the misdirected check, and that I can expect the {$2000.00} check refund from XXXX with 7-10 business days. 

I have called several times more, argued with more people in online claims, and I still have not received the {$2000.00} I am owed as of XX/XX/2019. In fact, they have now made it so I can't even call them, so now I must go to a local branch to discuss this with them. And to add insult to injury, a Wells Fargo agent has called a Health and Human Services Social Worker to visit me to insure someone isn't abusing me? Wells Fargo has repeatedly lied to me and now they are trying to stop me from proving that it was their error, not mine. Wells Fargo has stolen {$2000.00} from me and they won't give it back.
Product: Credit reporting or other personal consumer reports

to whom it may concern at Wells Fargo Home Mortgage For the Record .... 
I received a copy of my credit report and have found the following items to be in error by the provisions of the Fair Credit Reporting Act I respectfully demand these items to be investigated and removed from my credit report it is my understand and belief that you will recheck these items with the " creditor/agency/corporation '' who posted them Please remove any information that the " creditor/agency/corporation '' can not verify it is to my knowledge that under 15 U.S.C. Section 1681i ( a ) that withing ( 30 ) days you must complete this re-investigation of the receipt of this notice Please send me an update copy of my credit report to the above address Thank you for your time and help in this matter.

RESERVATION OF RIGHTS I reserve my right not to be compelled to preform under any contract or commercial agreement that i did not enter into knowingly willingly voluntarily or intentionally and i furthermore do not accept the liability of the compelled benefit of any unrevealed contract or commercial agreement UCC1-207 JURISDICTION AND VENUE 2. Subject matter jurisdiction is conferred upon this Court by 15 U.S.C. 45 ( m ) ( 1 ) ( A ), 53 ( b ), 56 ( a ), 57b, and 7706 ( a ), and 28 U.S.C. 1331, 1337 ( a ), 1345, and 1355. This action arises under 15 U.S.C. 45 ( a ).

3. Venue in the United States District Court for XXXX XXXX XXXX XXXX XXXX is proper under 15 U.S.C. 53 ( b ) and 28 U.S.C. 1391 ( b-c ), and 1395 ( a Affiant XXXX XXXX moves for a declaratory judgment pursuant to XXXX XXXX ( XXXX ) declaring that the mortgage on the property, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is unenforceable due to the time bar of the XXXXyear statute of limitations, and should be cancelled, discharged and stricken from the records of the City Register. 

You are Breaking The Law and must discharge this debt in full immediately in accordance with Congress and Supreme Court Rulings or I will move forward and put the Attorney General on Notice, the Federal Reserve XXXX XXXX XXXX on Notice as well as the FTC because they have Enforcement Action on their end as well as authority to take civil action and they need to be apprised and availed of this info that I have been denied and deprived and mistreated concerning my extension of my credit and of the Remedy provided by congress Pursuant XXXX XXXX XXXX XXXX regarding discharge of debt, I demand an Adverse Action of Disclosure in which Wells Fargo Home Mortgage has in fact incriminated you of committing this fraud they are committing against me and my property under Title 15 Section 1611 : Faults and Misleading 's Ignorance of the Law is No excuse The Contract is Fraud and Wells Fargo Home Mortgage is breaking the law ( Securities Fraud ) ( Deprivation of Rights under color of law ) XXXX Abuse, I demand for full discharge of this account immediately
Product: Debt collection

I and my attorney had tried ceaselessly to dispute these debts to no avail, this company concerned keep acting not in good faith by disregarding our communications and advice since 2018
Product: Debt collection

XXXX XXXX XXXX / XXXX / {$350.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

Called experian about a dispute that was open unbeknownst to me. Agent became angry and sat on the phone for 30 plus minutes after running me in circles. I'm currently on the phone and will end the call at XXXX edt if I'm not disconnected by agent. Who I requested to contact creditor and request for them to update my account details balance and payment history
Product: Credit reporting, credit repair services, or other personal consumer reports

Over XXXX weeks ago I sent TransUnion a registered letter disputing XXXX XXXX XXXX XXXX XXXX XXXX and XXXX in my dispute I attached copys court order as well response from court in reguards to XXXX XXXX XXXX Nevada exsplaing they dont report to Credit Bureaus proving that XXXX response a lye and remove immediately today I receive TransUnion email in regards to the opposite of my registered letter report # XXXX see attached ADDRESS UPDATE it specifically said remove XXXX XXXX and my address to be XXXX XXXX XXXX XXXX XXXX CA XXXX to only be my address on report I do understand if you apply for existended credit and the address you use automatically reflects I HAVE NOT APPLIED FOR CREDIT OVER A YEAR as I already supplied documents not only to TransUnion I have also supplied to you CFPB I dont feel to waists my time downloading dos anymore as I have my I dotted and my T crossed in reguards s to law suit being filed on Monday TRANSUNION is well over the 30 day meet criteria and as well liable for damages HOW IN THE HECK WHEN YOU ASK THEM TO REMOVE A ADDRESS WITH AS WELL COURT DOCS THEN CAN DELAY THE PROCESSS AND SEND FRIVIOLOUS RESPONSES
Product: Mortgage

X/X/17 submitted a request to cancel PMI in writing.
X/XX/17 request to remove PMI was declined. They say because my LTV ratio does not meet requirements. I have 57 % equity in my house and it 's been about 8 years since I refinanced. I have lived in my home for 9 years. There was no appraisal done when the loan was funded. They are saying the amount my loan was funded for is also the value of my home. This is incorrect information. I was told I can not speak with anyone that handles PMI removals and was instructed to submit another request to dispute the decision and why. X/XX/17 sent letter via fax disputing the decision.
Product: Mortgage

i lost my home as of XX/XX/XXXX.i have hired lawyers to deal with this problem and the problem is that i was sold a predatory loan it had a 20 % pre payment penelty with it XX/XX/XXXX for 3 years when XX/XX/XXXX came i was so under water with the home and my payments went from XXXX a month to XXXX a month and the bank would not work with me.all the lawyers i had hired had failed in there job and cost me about XXXX..if the banks dident want to work with me thay just sold me to another bank and it started all over again with no outcome..there is much more to this than what i can type..the bank [ XXXX XXXX XXXX ] fordged my documents to try to forclose on me [ robo signing ] .i have proof of this from one of the lawyers i hired.and last. the bank offerd me {$4700.00} to be out of the house by XX/XX/XXXX threw a realator and she keep my money for not taking a frezer off the property ... property address is XXXX XXXX XXXX XXXX ca.XXXX
Product: Debt collection

I received a letter from my bank that XXXX was taken out of my account from a legal document, regarding a debt collection. Only info the bank had was to contact XXXX XXXX XXXX XXXX. I contacted his office and was told this judgement was from XXXX. I dont have a XXXX credit card other than XXXX XXXX which was active and in good standing. I then Called XXXX, they wouldnt give any Information other than, I had XXXX accounts in the past with them a XXXX XXXX XXXX and an active XXXX XXXX account. I was never contacted about this debt, I was never given information that I had a judgment against me, I never received any court documents. How is this legal? XXXX has a statue of limitations, if this debt was in fact mine and not fraudulent, this far exceeds the statute of limitations.