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

On XX/XX/XXXX, I paid US BANK {$3600.00} to pay off my auto loan as I had a buyer. I NEEDED the lien release sent to the DMV ASAP and considering its and electronic title, the dmv would receive it instantly. I then called on Monday XXXX XX/XX/XXXX to ask if they received it and XXXX had said itll get processed tonight. I then called on Tuesday the XXXX and spoke to XXXX who I was on the phone with for 56 minutes. He advised it takes 7 days to clear that payment since its an ACH. He then said make a wire transfer of that amount ( {$3700.00} ) and itll get processed in 1-2 hours. He would give a call back at XXXX XXXX on XX/XX/XXXX. I called in again on XX/XX/XXXX and spoke to XXXX. This was the most incompetent person to work at a bank who would not help, would not transfer it to a manager and told me wire transfers take 30 days to clear. Called in again the same day and spoke to XXXX who said the wire department do not have a number. I later received a call from XXXX which I submitted a call back online and she gave me the wire departments number. The same day I spoke to XXXX who had no idea what he was talking about, XXXX who informed me he cant write and email but if I wanted to speak to a manager he cant write an email, XXXX who was absolutely rude and hung up the phone on purpose. I called the corporate number and spoke to XXXX who said To speak to the escalation team you need to call the customer service number. Then hung up the phone so I called him back and made sure he knew he didnt know how to talk to customers. On Thursday the XXXX XXXX I spoke to XXXX who promised me a manager XXXX XXXX XXXX would call me back the same day before XXXX EST. Never received a call. Called again, spoke to collect who said she would send the call to a manager. Manager ( randoff ) did not pick up. On Monday XX/XX/XXXX I spoke to XXXX who said your Lien will get released today. IT. NEVER. DID. So not only did I make two full payoffs on this vehicle. I never received the title, never got through to a manager, never was informed correctly, was told to wire transfer money to them. This is the most disgusting service I have received.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report fraudulent accounts and inquiries on my credit report, which I believe are the result of identity theft. XXXX XXXX XXXX with the balance of {$270.00} opened on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX Contact info Address XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXXXXXX XXXX I was XXXX, and I was injured, during the time I was never able to fully work, and I reached out XXXX XXXX XXXX XXXX XXXX  after my hospitalization, and they told me it was up to me to maintain this which I unable to maintain due to injury during XXXX.
Product: Debt collection

LVNV Funding LLC I request a validation of the original instrument where I sign the contract with this debt collector & they refused to respond to any of my letters sent out to the company!!
Product: Debt collection

I do get knowledge about Wells Fargo filed case for my credit card debt for which I stop paying as I do have monthly expenses more than my income and I know it through other law firm mailer asking to hire
Product: Payday loan, title loan, personal loan, or advance loan

I purchased a buy now pay later and I did the early buyout option in XXXX early XXXX. They have a box that you check that says this is the early payoff amount by clicking this. Youre paying off the lease early because you get all that interest taken away. The amount was cleared from my account. I received an email last week that I still owe the full amount even though I use the early buyout option. When I contacted them via email, I told them to contact me for a paper trail for my attorney because I had him look at my arbitration agreement now they have refused to even speak to me because they said I have an attorney. I simply had. My attorney look over the arbitration agreement and as he said the amount that you checked on their website of the box that says this is the early payout amount to pay off the loan is what you selected they did not apply the funds appropriately. So now I need to find out my next step so they do not take me to court and try to take money from my account because this account has been paid in full with my bank statement.
Product: Vehicle loan or lease

The reason for this inquiry today is because Navy federal has failed to perform, and is in breach of their fiduciary responsibilities. I have contacted Navy Federal on several occasions last attempt was on XX/XX/XXXX. I have requested the authoritative copy of contract and all other documents pertaining to my consumer loan and disclosures. I have also requested my XXXX XXXX free and clear as there is no lien on my car. And XXXX XXXX of any XXXX forms that the company has filed. As per the companys XXXX XXXX report, Navy federals loan portfolio consist of consumer loans, credit cards and real estate loans. Consumer loans consist of secured loans ( auto loans ). At origination all consumer, credit card loans and equity loans are classified as held for investment. In which I saw no dividends/interest paid out to me. Navy federal securitized the loan and benefited from my securities as well as double-dipping. I also sent them endorsed negotiable instruments and again they failed to perform. Navy Federal also inaccurately reported to the Bureaus that I defaulted on public debt and listed the account as charged off instead of paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXXXXXX XXXX accounts have incorrect balances/ unauthorized charges on there. please REMOVE these accounts from my CREDIT REPORTS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX
Product: Mortgage

Foreclosure action by JP Morgan Chase. Submitted Loss Mitigation Options package to Chase on XXXX, received approval on XX/XX/2020. Chase received Final judgement on XX/XX/2020, scheduled sale date of XX/XX/2020 on XX/XX/2020. Sale date was requested and established after the Loss Mitigation Request was approved on XX/XX/2020. 
JP Morgan Chase procured a Sale Date of XX/XX/2020 and a subsequent new sale date of XX/XX/2020 after the loss mitigation request was approved on XX/XX/2020, which is prohibited by section XXXX XXXX g ). JP Morgan Chase violated, Regulation X and the Fair Debt Collection Act. 
I have been unable to proceed with the Short Sale of the home because of the Banks aggressive foreclosure dates.
Product: Debt collection

I requested the following information from this collection agency to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, delegation of authority giving you the authority to collect the debt, and a complete accounting / statement of payments with interest and fees associated with this debt. I do not owe this company anything.
Product: Mortgage

On XX/XX/2021 I paid {$500.00} to AmeriSave Mortgage Company to lock in a 2.25 % interest rate on a 15 year refinance. I submitted ALL documentation requested by Amerisave consistently in a VERY timely manner. Two weeks of silence after submitting all requested documentation the Loan Originator and Loan Processor were non-responsive to requests for an update. I had to escalate to XXXX XXXX ( President of AmeriSave ) twice over the course of the next two weeks. The VP of Sales got involved and requested more information and assured me we would figure something out. Finally on XX/XX/2021 was notified by other executives at Amerisave that the debt to income ratio does not qualify for AmeriSave 2.25 rate on a 15  year mortgage. The result is totally acceptable to me but I believe there is a " bait and switch '' tactic being employed at AmeriSave to string people along. I advise everyone to be extremely careful in dealing with AmeriSave Mortgage. Clearly I should have been notified much sooner of the result in order to bring my application to some type of closure sooner.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I contact Experian, it ask s for my date of birth and SSN. It then says it does not recognize my information. Yet my date of birth has not changed, and my SSN hav e not changed. You can not reach a person because they need your date of birth and SSN, which in my case they don't recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous certified letters regarding my credit report. I called Tuesday XX/XX/2023 at XXXX XXXX spoke with representative XXXX. She stated that she could not give me her employee ID number. I called regarding my concern of late payments reporting on my credit profile. XXXX stated that TransUnion never received my letters. I check my credit report often because I know how important having good credit is. Any information reporting on my credit report by law must be validated, verifiable if not, that information must be removed or corrected from/on my credit report. The late payments reporting on report is inaccurate and by law should not be on consumer report. 
TransUnion decision is IS VIOLATION OF THE 15 U.S. Code 1681a- Definitions, rules of construction | U.S Code | US Law| XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) 15 U.S. Code 1681a- 2 -Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. Prohibition ( A ) Reporting information with actual knowledge of errors 15 U.S. Code 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681a- 3 of this title any report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are still reporting to XXXX, TRANSUNION, AND XXXX. These accounts do not belong to me. I have reported these accounts several times and the appropriate actions have not been taken. Please, delete these accounts immediately. 

XXXX XXXX XXXX XXXX / XXXX   XXXX Last reported : XX/XX/XXXX + {$560.00} Needs Attention XXXX XXXX / XXXX  XXXX Last reported : XX/XX/XXXX + {$300.00} Needs Attention XXXX XXXX XXXX XXXX / XXXX XXXX XXXX  Last reported : XX/XX/XXXX + {$120.00} Needs Attention XXXX XXXX XXXX/ XXXX  Last reported : XX/XX/XXXX - {$300.00} Needs Attention
Product: Money transfer, virtual currency, or money service

i have bought XXXX XXXX XXXX XXXX  around XXXX the last time i used robinhood app was on XXXX of XXXX and its saying that i borrowed money and i didnt have funds or something like that in my account but that account has been closed but i still had my stocks my coins i want my coins back because i didnt purchase anything or fold anything since XXXX of XXXX
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing XXXX  and XXXX XXXX  as of now. Also it is illegal these companies should NOT be furnisher people 's information to XXXX party companies so this is illegal, neglect and fraud. I have already reported this to the XXXX XXXX XXXX and XXXX XXXX XXXX. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
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 XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 items listed on my credit report as collections from the Company Paramount Recovery ( 1 ) {$850.00} and ( 2 ) {$980.00}. I have sent certified letters to dispute these charges to the credit bureaus and to the Paramount Recovery agency to no avail. ( Letters were sent XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. ) They continue to say the debt is valid, with no evidence of such. However, per my insurance XXXX XXXX XXXX XXXX - there are no claims from providers for these amounts. I am requesting that both items be deleted from my credit file. I have no other collections and this is a hardship and burden to me and my family.
Product: Credit reporting or other personal consumer reports

Portfolio recovery is stating I owe them a balance. I have no knowledge of this company nor have I ever signed a contract with my signature. This is identity theft
Product: Mortgage

I refinance my home in XX/XX/XXXXwent to closing in XX/XX/XXXX. At the time of loan origination, an escrow account establishedsix months of taxes and insurance payment where collected. The loan closed in XX/XX/XXXX. The loan was sold to XXXX  XXXX  and Dovenmuehle mortgage to services the loan. The escrow account was never setup, once the loan transferred to the servicer Dovenmuehle mortgage. There are funds currently in my escrow account ; however, the escrow account was not setup and payments where not sent. For the last seven months, to no prevail, I have tried to get Dovenmuehle mortgage to setup the escrow account and pay the taxes and insurance. As of XX/XX/XXXX, the escrow account has not been setup or fees paid.

The last seven months ' journey, I have called each month since XX/XX/XXXX, The latest request made XX/XX/XXXX, for the escrow account to be setup and taxes paid were expedited to the insurance department. However, that did not happen. I have spoken with two different supervisors, XXXX and XXXX ; neither one has been any help. When asked to talk with someone higher than a Supervisor, XXXX transferred me to Ms. XXXX, only to find out she a supervisor herself. I asked to speak with someone in upper Management, Ms. XXXX refused. She advised I could not talk with anyone higher than a supervisor, and I have to wait for an email regarding my request. Since my seven month journey, I paid the insurance and taxes, to avoid my home owner insurance from being Canceled and any more non-payment penalties towards the taxes. Dovenmuehle mortgage doesn't have any way of filing a formal complaint, other than an email address. The amount of my tax bill in XX/XX/XXXX is XXXX ; as of today, including late penalties, the tax payment is XXXX to avoid any more late penalties, I paid the taxes myself today, XX/XX/XXXX. The home owner insurance payment made several months ago.
Product: Student loan

Attempted to contact my loan servicer, aidvantage, to request a refund on payments submitted on my student loans on XX/XX/2022 via a phone call as well as using their messaging system to request a refund. I was informed that it would take up to XXXX weeks to get my full refund of my requested refund and I have not received my refund as of XX/XX/2022. 

I have attempted to contact aidvantage requesting an update on my refund with no luck.
Product: Money transfer, virtual currency, or money service

I had transferred money to someone & they never got it. I also have received a zelle payment that never applied to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am mainly filing this complaint on XXXX, Experian. XXXX, Experian has failed to follow the law according to FCRA requirements. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. XXXX XXXX XXXX has failed to send the original signed consumer contract. If I have failed to get proper documentation how can XXXX, Experian say these accounts are verified and meet FCRA requirements. XXXX  has continually failed to comply with Section 609 ( a ) ( 1 ) ( A and has stopped me from attaining new credit with the erroneous accounts on my report. I have attached all corresponding mail from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Experian credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted are XXXX XXXX XXXX XXXX, TX XXXX and there is XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit card or prepaid card

PNC not allowing me to link my account with certain services. I should be able to if I want since it's my account.
Product: Checking or savings account

I submitted a complaint before. But I only get check from XXXX account. There's still money from another account I don't receive, which save most of money in that account. I called so many times to the bank, but they didn't fix the issue. And It's been XXXX months since the account was forcibly closed. I need this money to support my life.