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

The date was XX/XX/year>, the repossession company came to repossess my vehicle and breached the peace in the matter. While the company Auto now, replied they never acknowledged the blatant breach of peace. They only mentioned the contract which would be voided due to breach of peace during the matter. I will pursue legal litigation if nothing is said or done about the disruption. I would like a prompt response from the company regarding this matter.
Product: Credit reporting or other personal consumer reports

Would buying the vehicle I was told that my payments would be reported to all three credit and it has not been I called the company asked if I can get any paperwork reporting my payments to my credit and they told me no when I have over a XXXX score on the other two platforms and this one I don't and it is really hurting me to move forward with my life
Product: Checking or savings account

Bank employees including the manager have talked my elderly parents into opening multiple IRA accounts and are taking their annuities payments. All of a sudden they now have a " Financial advisor '' who makes commissions off their accounts, but my parents have no understanding about what is happening with their money, this financial advisor is only concerned with his cut and my mom and dad have nothing.. This is taking advantage of elderly people! How is this allowed? This bank has basically bullied my parents into opening unnecessary accounts and is now taking their money!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received two separate texts with a " one-time passcode '' to access Experian. I have never used Experian and did not request to view my credit score at Experian or any other company. I'm afraid someone is using my information to try to access my credit report.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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: Mortgage

I am behind on my mortgage by 3 months. Wells Fargo is the servicer and when I go on-line to my account it advertises a repayment option as well as a forebearence option to help the homeowner get back on track. I believe these options are a fraud and Wells has no intention to grant either of these options.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report that your company publishes and after reviewing it i found a number of items on the report that are inaccurate. Please snd me copies of the documents that you have in your file as of this debt that you used to verify the accuracy of the accounts listed below. I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at this time concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. If you do not have any documentation in your file to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. 
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: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple credit dispute with these companies asking them to investigate items on my credit report they are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Product: Debt collection

National Credit Systems Inc. are attempting to collect a debt that is not owed and are reporting on my credit report. I had a judgement with an apt that resulted in a ( POSSESSION ONLY ) -No Monies Owed. I have Documentation from my Countys General Sessions Court of which it was handled. They are attempting to collect {$3900.00} and have not provided where these fees come from. They then told me that it was forwarded to a law firm and provided me with a number. I called the number provided and the law firm told me that they they would send a print out of the " alleged '' fees. I have not received any information. I have called both companies multiple times. Though National credit systems have stated that they do not have my " case '' any longer they are still reporting currently on my credit report. I have tried disputing  with XXXX  and XXXX  sending proper documentation showing that i do not owe this debt and they stated that the debt was validated and have not shown me how or what the verification details include. Due to this i have faced homelessness with me and my XXXX children because we are unable to get approved for a home due to this false report on my credit report. ( its an automatic denial if your report shows a balance owing someone ) ... I also sent a print out of my rental report to the bureaus and it also shows that i have {$0.00} dollars owed from original company and yet they still denied my request of removal. I also called original company and asked to speak to manager on multiple occasions  and left my contact number each time and have not received a call back or email. There has been no solution to this in almost a year of attempting to get this squared away.
Product: Checking or savings account

Dear XXXX XXXX XXXX, Good day! 

I want to know if I have unclaimed funds there in XXXX  XXXX XXXX, Chase Bank and XXXX XXXX XXXX XXXX  since I am the beneficiary of the trust funds of my fiancee XXXX XXXX XXXX aka. XXXX XXXX and to all his properties there in California USA. And I want also to know if which on those banks have my trust documents. I want this to be investigated since the bank don't even contact me that I have trust documents there. No one told me for 8 years. Because before he went to prison he sent me a bank key of a safety deposit box. Now only I claim it because now only I knew. And someone stole the sd card that have his videos there. I put it on my phone and there's someone stole my phone that time. And the trustee don't even contact me. But aside from the trustee I knew that there's have a copy of the trust documents there in the bank and in Insurance company. I want to know if which banks he put the trust documents. Please investigate this matter since I am not there in USA. I am here in XXXX and when I tried to go there in USA before back XXXX XXXX the XXXX XXXX  in XXXX denied me. If there's have unathourised transactions under my name its not me. It's the scammer, because even XXXX cent of it I don't receive anything since XXXX. And I want justice. I already contacted the Chase Bank before and reported the issue, and they told me that I will send all the evidence pointing me as the beneficiary. And after I sent them the evidence, they dont even contacted me. I just received encrypted email from them. But when I tried to call them they will just declined my call. Chase bank using my information without my permission. They are using it because they knew that I have big money there in Chase Bank, XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX  If there's someone will withdraw looks like him that's an impostor don't allow that person to withdraw from it. And if there's someone that will used my information to withdraw my money? Thats not me that's the scammer. I want to withdraw my money but should have authorization letter to proof that it's my first withdrawal. Since I never withdraw anything before. I'm from XXXX by the way. Was hoping to hear back from you soon. XXXX 

Sincerely yours, XXXX XXXX XXXX XXXX # : XXXX
Product: Credit card

I am disputing the collection account with DISCOVER account number XXXX, dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that DISCOVER, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday, XX/XX/XXXX I received a notice in the mail from Experian alerting me that " within the last 30 days, changes to your name, address or Social Security Number have been reported to us by a creditor. '' This notice was sent pursuant to my request to place a security freeze on my account. It listed phone numbers and a web address to obtain a personal copy of my credit report. The phone numbers listed, as well as several others found online, led through a maze of recorded messages that would not allow me to request a copy of my report or to speak to a human for further information. Online, I logged into my Experian acct, requested a copy, and received a message that " a condition exists that prevents Experian from being able to accept your request at this time. '' I found a different page on the Experian website with an address to request a copy via mail, but no information whatsoever on what to send to make that request. I then logged onto XXXX and tried to retrieve my report there. I received an error message when requesting a report from Experian, which included the same phone numbers I had already tried. Those numbers do not lead to an option to obtain a credit report, other than referring callers to the webpage. I then tried to request a copy from XXXX. I again received a message that this request could not be processed online, though the Equifax page at least included a link to a form that could be mailed in. However, that link goes to a form which is not downloadable as a .pdf or any other format I can print and fill out, as far as I can tell : XXXX XXXX XXXX. 

I am unclear how I am able to obtain a copy of my annual credit report from any of the three major agencies. 

Additionally, I am concerned that there was at least one typo in the letter from Experian and the letter head looked less than official - red flags that it is not genuine.
Product: Credit card or prepaid card

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on TD BANK USA/TARGETCRED and currently reporting as late. I have read enough to understand my rights. The late history should not be showing late because I think I paid on time. The Bureaus are attempting to violate this clear understanding, MUST REMOVE THIS ACCOUNT IMMEDIATELY.
Product: Mortgage

I am working to refinance my loan that is currently managed by Specialized Loan Servicing. When the new lender pulled my Credit History, they found that I have a 800+ credit score but also that my current mortgage is showing as in forbearance. I have never spoken to my mortgage company about a hardship situation that would require a need for assistance no less requested forbearance on my account. On XX/XX/XXXX the new leader requested I get a letter from the mortgage company showing this had been added in error and that I had continued to make my payments. 

XX/XX/XXXX XXXX  Spoke with agent and she informed me that due to the earthquake in my area, all accounts had been tagged with this information she agreed to send me a letter stating that I had not requested forbearance nor had I missed any payments. Additionally she would submit the necessary paperwork to remove the XXXX reporting XX/XX/XXXX XXXX XXXX Received email stating that at my request the forbearance related to Covid 19 had been removed from my account at my request. This is not what I requested nor was it factual. 

XX/XX/XXXX XXXX XXXX Spoke with Agent. She stated that she could restart the process & it would take 24-48 hours to get another letter. At that point I asked for a call back from a manager. I will be honest, I was very impatient with your agent as she was disrespectful, wanted to talk over me and refused to listen. In addition to sending me the requested letter she also agreed to send documents showing that I had not skipped any payments. NONE of these three things happened. 

XX/XX/XXXX Called back informed the agent that the letter was not what was agreed upon. She was very rude and said that she could request another letter but it would take 24 to 48 hours. I explained that I couldn't afford to wait that long to have their error corrected she basically said to bad. She refused to escalate the call and said that she would have a manger call back but it would also be 24-48 hours before that happened. I never received a the second letter nor did I get a call back from a manager. 

XX/XX/XXXX I called back & held for 30 mins. When the agent didn't know how to handle it, she cold transfered me to a line where I held for 30 mins a before I disconnected. This happened 3 times on Thursday. 

XX/XX/XXXX Call back again. Held for 30 mins and was cold transfered, held for XXXX hours before your lines closed. 

Their website has no alternate contact information besides the general servicing line which is clearly not resolving the problem. I submitted an complaint to the CEO through XXXX XXXX XXXX but don't expect that to be a reliable method of resolving the problem. 

Please let me know what assistance you can offer. I have spent no less than 10 hours on the phone over the last week with no end in sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. TheTransUnion, XXXX and XXXX Credit Bureaus has not complied with the FCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified information without any proofprovided, within the time allowed by law, is not authorized. Below are the items that arereporting on my Credit Reports : XXXX ; XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX Balance XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$28.00} ; XXXX  XXXX : {$96.00} ; XXXX  XXXX Balance : {$110.00} ; XXXX  XXXX Balance : {$10.00} ; XXXX Balance : {$75.00} ; XXXX  XXXX Balance : {$21.00} XXXX XXXX : {$80.00} ; XXXX  XXXX Balance : {$310.00}.
Product: Checking or savings account

On XX/XX/2020 I purchased airline tickets with travel planned on XX/XX/2020 using my Checking Account Debit Card issued by USAA Federal Savings Bank. In XX/XX/2020 I contacted USAA and informed them that the airline had publicly announced that they were suspending flights on my reserved route. I contacted USAA and requested to dispute the charge. At that time USAA responded that the transaction was more than 30 days old and they could not dispute the transaction for that reason. On XX/XX/XXXX I contacted USAA and explained that airline tickets were often purchased in advance of travel and that I believed a waiver of the time limits was appropriate in this case. USAA agreed to re-open the dispute. On XX/XX/2020 the vendor, XXXX, notified me that the flight I had booked was cancelled. I requested that XXXX issue me a refund per US Department of Transportation regulations. XXXX stated that " they were not issuing refunds ''. I contacted USAA and requested that USAA charge-back the transaction. USAA responded on XX/XX/2020 that " ... some merchants were required to cease their services due to the COVID-19 pandemic ... '' and therefore USAA would not fulfill their fiduciary responsibility to their customer and would not charge back the merchant on my behalf. On XX/XX/2020 USAA sent me a new dispute resolution notice wherein they returned to their original position that the dispute was not timely placed. 
I am also struggling due to the pandemic and on a fixed income. I do not understand why the bank would protect unscrupulous vendors to the detriment of their long time customers ( over 20 years ).
Product: Vehicle loan or lease

On XX/XX/2018, a payoff check for our auto loan with GM Financial was sent to their office. On XX/XX/XXXX, GM confirmed that they received the check. Today is XX/XX/XXXX, and GM still has not credited our account and closed out our loan, despite acknowledging that they received and cashed the payoff check. Not only that, but GM has continued to report the loan as Late to the credit bureaus! Not only did we make a regular payment, we paid off the loan in full! 

Because of this, we were barely able to obtain a loan to buy a new car, and we had to pay a higher interest rate and were limited in our choices, because, to the banks, it looks like we still have an auto loan open, that we're not paying! AND they are continuing to hound us with collection calls! We were told they would put a 1 week " courtesy hold '' on collection calls last time we called - there's nothing for them to collect on! The loan is PAID OFF!

As if all of this wasn't bad enough - we're not the only victims! A rep at GM told us that there are " over 100 '' accounts in the same situation! They blame a recent " software upgrade, '' but it seems that there must be a way that in over a MONTH 'S time, they could credit our account and close it! They even generated a statement on XX/XX/XXXX, 15 days after they acknowledge they received the payoff, showing that we owe a balance we do not owe! It is fraudulent! 

They acknowledge that this is entirely their fault, but every time we call, we're just put off further and further - " give us a couple more days, '' or, " it should be all cleared up within XXXX business days. '' But it isn't! This is ridiculous, and it can't be legal for them to continue to fraudulently report the account as Late to the bureaus, when it is not late at all! Please let me know what we can do.
Product: Checking or savings account

Around XXXX of 2021, I was the victim of a scam and I had a checking and savings account at Chase bank but after I realized I was scammed, I lost my money and chase did not help me recover my funds and closed my account. They only sent me my checking account funds and have yet to send a check for my savings account funds and its been months. Ive gone in person to a chase branch but they did not help, I called the representatives on the phone to help and also they could not help me, I called their asset recovery team and they dont pick up the phone. I am a college student that needs to pay tuition fees and other daily expenses. I need some assistance with the release of my funds at chase bank.
Product: Credit card or prepaid card

This dispute has not been resolved by XXXX XXXX XXXX XXXX. 
On XX/XX/2022 XXXX XXXX, XXXX XXXX XXXX charged to me the amount of {$420.00}. As soon as, I notice this charge, I called to the credit card, and I dispute it. On XX/XX/2022 the credit card send me a letter saying that the dispute has been closed, because they did not find any evidence of fraud. Once again. I called to the credit card and re-do the dispute, requesting for the invoice to see the charges, but they closed it, again. 
Dispute ID : XXXX, requesting for the invoice to see why the hotel are charging me this amount, because minutes before leaving the hotel, I got my invoice which is for XXXX Shekel ( I have a copy of this invoice ). 
Today, I called again to the credit card asking for the supervisor, and noted that agents, lack knowledge, and how to resolve issues such as the one I am experience. 

I will sent by mail copy of the invoice, that I got from the hotel before leaving. 
And copy of the letter where the dispute was closed.
Product: Credit card

I fell for a well orchestrated sale pitch by a group called " It 's Just Lunch '' and let them charge {$2800.00} on my Barclays Bank credit card. When I soon realized it was a scam ( 8 days ), I called Barclays Bank to dispute the charge. I mentioned that this company was the subject of a class action suit for scamming others like they did me. Barclays waited 30 days and came back with the lame excuse that they could not take sides in this case and they could not dispute the charge with the merchant. I sent them an email to cancel my card. They turned around and added a {$75.00} annual fee and charged me {$50.00} for a late fee ( 4 days late ) for not making my payment on time. The whole thing cost me {$2900.00}. I can not believe this bank is allowed to operate in our state. I 've spoken with XXXX the Attorney General 's office ( XXXX ) and they are also reviewing the case.
Product: Mortgage

Hi! My husband and I purchased a home in XX/XX/2020. We filed for homestead with our county tax accessor and learned that, due to my husband 's XXXX status, we are 100 % property tax exempt. We promptly sent this information on XX/XX/2020 ( and all requested forms ) to our mortgage provider ( Ameris Bank ) and after numerous calls ( 1-2 calls per month since XXXX XXXX, and speaking with numerous supervisors ( two separate supervisors in XXXX and XXXX XXXX, we have still not received an updated payment amount or the escrow refund that we were advised was due to us. Each call results in a " we are still researching '' and a different date the issue should be resolved. Again, this has gone on since XXXX and I do not know what else I can do at this point. I do not have the funds to hire an attorney at this time so any help would be appreciated! Thank you!