23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Hello, I did call and spend about an hour on the phone with customer service, and the billing department. They were of no help at all. Please send this email to someone who can help me and understands what a payment arrangement is, and also send to a manager. 
We have been long time, good customers. Always have paid on time. As soon as we started struggling financially, because of Covid, we reached out and made payments arrangements on the account. These arrangement were to keep the loan in good standing while I waited to go back to work. We had to do this several times, because the auto drafted payments werent being drafted. So I would log in and make a payment arrangement and a payment. We were diligent about this, because of our credit. Then I received another email saying that there was another program available to me, so I then signed up for that as well and paid the {$71.00} to enroll in. Soon after that with zero notice the account was charged off and 6 30 day lates were added to my credit report! All of this while our entire country is falling apart and people are fighting to keep their head above water. We were so careful to make sure we had the payment arrangements in place so this would not happen. This reporting should not have happened because of the payments arrangements were made and there was no notice. It caused our refinance on our home to fall through and is now causing many more financial hardships. Please remove the charge off and all of the 30 day lates. 
The account was charged off and paid, my balance now shows negative balance on the companies website Please someone do something about this. This is not fair or good business Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to present. I send Transunion several letters in accordance with FCRA under Section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ) under Section 611 ( 5 ) ( A ) to provide any original documentation with my signature as required. 

Transunion never provide such documents when investigating the matter when it alleging came back " verified ''. If it was reported correctly as they mention who verified it? 

Iamalsorequestingthe METHODOFVERIFICATION accordingto FCRAsection611 ( a ) ( 7 ). For the ( 12 ) Twelve accounts in question ( a ) The name of the creditor ( b ) The persons name and title showing that they verified the dispute with ( c ) The address ( d ) The telephone number and ( e ) The documentation used to verify the dispute. 

If Transunion reply it would show clearing that they did not provide no evidence to me thus in violation of FCRA. The overall risk to me and my credit rating could be damage greatly all because of Transunion non-compliance. 

Anyone paying for Transunion services could fax, mail, or email in a fraudulent account. 

Since it still reporting on my credit report I'm sure that Transunion could easily provide it to CFPB. If not, look at the long-term damages its doing to me and potential lenders I would like to do business with, but unable to due to this error. 

In addition to validation of account 1 specifically. XXXX not even the original creditor but before called XXXX XXXX etc ... sold the account to XXXX. XXXX sue me in court and the final outcome was a mutal dismissal with prejudice. At this time dating back in XX/XX/XXXXtwo the same accounts were reporting under different names. Once I called the original creditor they said that I would have to contact XXXX regarding the account info. Ok I did to reminder them of their breach of contract regarding settling the account in question and complete removal of the account off my credit report. They complied, but the so-called original creditor still posted the account under their name. Is that legal? or lawful to report the same account twice sell it on penny on the dollars to a third party with their proof of evidence presented in court against me. The third party sues me, and lost. Do CFPB think if XXXX would have won they would of paid the other again after buying the debt? Since I hold trans union fully responsible with their non-compliance of the law have not fact checking all the information presented to them for removal of all 12 accounts in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I'm writing out of desperation. 

I'm a Bank XXXX XXXX customer, and have been using their credit card to pay off a balance transfer. I had set up automatic payment so that {$800.00} gets deducted every month. However, for whatever reason, this feature was turned off without my knowledge, and as a result my credit card balance went unpaid for one payment cycle. I didn't sign-in to my bank account because I assumed it was on auto pilot. 

It's weird thaXXXX XXXX XXXX  XXXX didn't notify immediately but instead waited 1.5 so that they can charge me late fees. It wasn't until a week ago that I received a notice from them about the outstanding balance. I immediately called XXXX and they re-set up automatic billing ( which still doesn't show up when I log into my online account ). However, the damage has been done as my credit score went from a 727 to a 620. If they had notified me immediately after the first payment was missed, this would never have happened. It is irresponsible of them to wait until late fees have been added and the late payment has been reported to the credit bureau to contact me, especially given that I have never in my 20 years of being a banking customer missed a payment. 

I've always had excellent credit, have NEVER missed a payment in my life, so this is truly a major blow for my financial situation as I'm about to look for an apartment in the XXXX area but with a 620 score, I won't qualify for housing and am looking at the possibility of being XXXX. I'm trying to rectify this situation and would appreciate your help. XXXX XXXX XXXX needs to be held accountable for what they did. 

I would like your help in removing the late payment from my credit report. 

From what I can see, they purposefully disabled my auto-pay, did not notify me that the payment didn't go through so that they can charge me late fees. In my 20 years of being a bank customer with many different banks including XXXX, XXXX, XXXX, etc. I have never encountered anything like this. However, I suspect XXXX is doing this to a lot of customers to generate additional revenue in fees. They need to be investigated and stopped. This is how regular, financially responsible people like myself can go from financially stable to destitute and XXXX 

Thank you so much for taking the time to read this letter. I hope you can help me get this situation sorted out and hold XXXX XXXX XXXXXXXX accountable. 

XXXX
Product: Mortgage

Recently I received an escrow analysis that showed a shortage in my escrow account. As I reviewed the document, I noticed during the escrow analysis period that GreenTree Mortgage had included XXXX property tax bills. In California, we pay property taxes XXXX times a year. GreenTree accomplished this by changing the escrow analysis period, paying the tax payment early, and including XXXX months in the escrow analysis period instead of XXXX. I compared it to last year 's analysis period and it was definitely done differently. As a result, they increased my monthly mortgage payment by over {$100.00}. I called them and contested the increase due to the reasons I stated above and the unfairness of their actions. I never received a response. So, I called them again and was told over the phone that they denied my request to leave my house payment the same. Then I requested in writing that my escrow be closed and that I assume responsibility for making my own property tax payments. I included in the letter my reasons and my displeasure over their unfair practice. I just received a denial of that request in writing as well because they indicated that " The principal balance of your account is not less than 80 % of the original value of the property. '' Our house was originally valued at {$500000.00} ; however, we bought it for {$450000.00}. We put a large down payment and we now owe {$310000.00} on the home. That is less than 80 % of the original value. More money in my escrow account means more interest collected by the mortgage company.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was charged a return payment fee for {$29.00}. I don't agree with this return payment fee because XXXX XXXX received the statement balance payment in full and on time for that month on the due date. They would not remove this return payment fee so I closed my account out of frustration with being treated unfairly after having flawless payment history with them for nearly XXXX XXXX. I don't think I should be responsible for this fee because no payment was actually returned and they received the full payment. 

There was {$22.00} left in rewards dollars for the next statement on XX/XX/XXXX which was applied on the statement with {$0.00} in interest leaving {$6.00} balance left. I did not pay this remaining balance because they received most of their invalid return payment fee money from my rewards balance, so I erroneously assumed this small balance wouldn't be a problem. 

This {$6.00} balance ultimately caused XXXX XXXX past due negative marks on my credit score and late fees adding up to {$52.00} on the XX/XX/XXXX statement. I contacted XXXX XXXX about this and they removed the balance but would not remove this XXXX XXXX past due negative mark on my credit score that reduced it by almost XXXX points, claiming this is an accurate reporting of the account to the credit bureaus ( see attached letter ). I disagree with this conclusion and I don't think it's fair that {$7.00} reduced my credit score by this much, especially when there should not have been a balance to begin with. This is a problem caused by XXXX XXXX and unfair treatment of a customer. If you review my credit history, this is the only time in almost XXXX XXXX that there has ever been a problem and I think that needs to also be considered in this case. If this was a mistake on my part I don't think I should have to pay this dearly for {$7.00}. I have attached the statements for this narrative. 

In conclusion, I think the XXXX XXXX past due negative mark needs to be removed from my credit score ASAP.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To Whom It May Concern, I recently received a copy of my consumer report, and I noticed some late payments posted on my report that are inaccurate this is not my first time trying to fix this with your company and yet you all are still reporting this inaccurate information on my consumer reportwith recent news of your company not properly investigating like you are required by law Im hurt to hear that so I come to you all again to make things right and properly and accurately reinvestigate and update to PAID AS AGREED NEVER LATE. 

I HAVE NEVER BEEN LATE ON THESE ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please REMOVE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. update to PAID AS AGREED NEVER LATE.Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN G
ENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Please update to PAID AS AGREED NEVER LATE on the above late payments from my consumer report, your company clearly is in violation of 15 USC 1681 Failure to respond satisfactorly with PAID AS AGREED NEVER LATE of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company like I said this isnt the first time trying fix this problem with your company for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Enablement of Identity Fraud
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 at the time the transaction was authorized. I was charged fees due to lagged posting of credits and charges. 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, credit repair services, or other personal consumer reports

I have been sending letters way back on XX/XX/2020 I HAVE RECENT SENT letter out from my bank on XX/XX/2020. 

XXXX XXXX XXXX has been fixed the error. But Experian needs to fix. This was in an error not sure who they are talking too and not showing proof. 

My bank sent me this cause of the issue they know occurred. 

I sent demand letter on XX/XX/2020. I Never missed that one payment. Fix now
Product: Checking or savings account

An item has been in dispute with Suntrust for quite sometime now, XXXX from XXXX onXX/XX/XXXX, it is now XXXX, over 90 calendar days since dispute filed. Dispute reps initially claimed they did not receive required information in time, they needed to know what missing item is, which was already included in claim and shows it in online banking under support, claim number XXXX. XXXX, claim rep, sent me a letter requesting this information as well, I left several messages for him, none were returned. A temporary credit was issued on XX/XX/XXXX after complaints were filed in regard to claim status/temporary credit. Suntrust seems to drag its feet when it comes to claims and their resolutions. An overdraft fee was charged for the XXXX item on XX/XX/XXXX in the amount of XXXX, I was told by several claim reps this will be credited back when claim is resolved. Claim is still awaiting resolution, has been on going for several months now and should be resolved as well as credit of overdraft fee. The package from XXXX arrived with item missing from it, XXXX will not honor claim and XXXX refuses to cooperate in resolution. Please DO NOT mark this complaint as duplicate, there is additional information contained
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX  Date of XXXX SSN : XXXX Type : State Identification ( Texas ) ID Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Early Warning Services , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : XXXX XXXX XXXX XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request.

Thank you for your assistance. 
Sincerely, Name : XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Tx XXXX
Product: Debt collection

I was the victim of identity theft ( I have police report showing my credit cards, Driver 's license, bank cards, and checks were stolen to make fraudulent charges and a copy of the legal judgement proving the person who stole my identity plead guilty and was convicted of Identity Theft, XXXX XXXX, a Class C Felony ). I have found that Portfolio Recovery Associates is reporting an account to all 3 bureaus and each copy of my credit report lists different information. One report lists Portfolio Recovery as reporting as an open collection account while reporting to another credit reporting agency as a closed collection account. Portfolio Recovery Associates is reporting as and account with a term of 0 to one reporting agency and are reporting the same account to a different credit reporting agency as a term of 1 month. Portfolio Recover Associates is reporting to one credit reporting agency with no account number while a partial account number is reported to the other 2 credit reporting agencies. Portfolio Recover Associates is reporting to one credit reporting agency as an Other Account ( Other accounts are those that are not already identified as Revolving, Mortgage or Installment Accounts such as child support obligations or rental agreements. This same report lists zero collection accounts. Since Portfolio Recovery Associates is reporting differently to each of the credit bureaus ( XXXX, XXXX, and XXXX ) differently I am unable to identify this account or the claimed balance owed as mine threfore I disputed this account with all 3 credit bureaus ( XXXX, XXXX, and XXXX ) on XX/XX/2018. On XX/XX/2018 Portfolio Recovery Associates changed the remark on my XXXX credit report as " Consumer disputes - reinvestigation in progress Collection Account '' but have yes to change the remarks to the other two major credit bureau XXXX and XXXX. Today XX/XX/2018 I received a call from ( XXXX ) XXXX. When I called the number back it was Portfolio Recovery Associates. I was surprised to receive a call from them as they have received the dispute and have attempted to contact me anyways. According to the CFPB website " Once you dispute the debt, the debt collector can't call or contact you to collect the debt or the disputed part of the debt until the debt collector has provided verification of the debt in writing to you ''. This debt is still being re-investigated and no verification has been provided to me or XXXX, XXXX, or XXXX. I have attached copies of my credit reports from XXXX, XXXX, and XXXX, a copy of the police report and judgement proving identity theft took place, a copy showing the updated remark to my XXXX report showing this account is disputed with today 's date, as well as a proof of the call I received today while this account is currently in dispute.
Product: Debt collection

XX/XX/20 Identified himself as XXXX XXXX Fraud & litigation division a XXXX XXXX XXXX. Processing a claim against ( quotes a last four of social security number and FULL DOB. ) Suggests person or their attorney calls him back immediately. XXXX XXXX XXXX extension XXXX. Called from a XXXX TN number XXXX ( XXXX ) XXXX.
Product: Vehicle loan or lease

I am filing a complaint against XXXX XXXX for auto dealer fraud, illegal repossession, and theft by conversion ( XXXX XXXXXXXX ). The dealership wrongfully repossessed my vehicle despite having no valid financing agreement or legal lienholder authority. Additionally, they refused to refund my payments after financing was rescinded, violating Georgias Fair Business Practices Act ( O.C.G.A. 10-1-390 ). 

Background I purchased a XXXX XXXX XXXX from XXXX XXXX in XX/XX/XXXX, under the agreement that they would secure financing. I paid a down payment of {$4500.00} and additional payments totaling {$7400.00}. However, in XX/XX/XXXX, I was informed that the financing was rescinded. Both Credit Acceptance and XXXX XXXX XXXX, the financing companies associated with this purchase, confirmed they rescinded their agreements with XXXX XXXX. 

Since XXXX XXXX was not a lienholder and financing was never secured, they had no legal right to take possession of the vehicle. Despite this, on XX/XX/XXXX, the dealership illegally hired a repossession company to seize my vehicle. 

Legal Violations by XXXX XXXX XXXX. Theft by Conversion ( O.C.G.A. 16-8-4 ) The dealership unlawfully took possession of my vehicle and is refusing to return it or refund my payments, which qualifies as felony theft by conversion under Georgia law.

2. Illegal Repossession Repossessions can only be conducted by a valid lienholder, which XXXX XXXX was not. 
3. Fraudulent & Deceptive Business Practices ( O.C.G.A. 10-1-390 ) The dealership misrepresented their ability to secure financing and wrongfully took my money and vehicle.

4. Unjust Enrichment After I requested a refund, the dealership falsely claimed they could keep part of my payments due to my usage of the vehicle, which is not legally permitted when financing is rescinded. 

Requested XXXX I demand that XXXX XXXX immediately return my vehicle or issue a full refund of all payments I made. If they fail to comply, I request that the Georgia Attorney Generals office : Investigate XXXX XXXX for fraudulent and illegal business practices. 
Pursue penalties for violations of XXXX consumer protection laws. 
XXXX XXXX XXXX accountable for its wrongful repossession and failure to refund my payments. 

This dealership is engaging in predatory and illegal practices, and I urge your office to take action to protect consumers from further harm. 

I am happy to provide supporting documentation, including purchase records, payment receipts, communication with the dealership, and confirmation from the finance companies that financing was rescinded. Please let me know if you need any further information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to reach out to this company via mail and no response. After careful review of my credit report I see that this company is reporting A debt owed of XXXX for XXXX  XXXX I currently have XXXX XXXX and my insurance is active and valid. I have reached out to XXXX  myself and was informed they can not or do not send an active policy to collections. They assured me my poliy is in great standing and my monthly payment of XXXX for my XXXX  XXXX XXXX does not match the balance reported of XXXX. This seems to be some sort of error or misinformation. I was told by XXXX since they have no records of such reports I would need to dispute with credit b. I have submitted disputes there and nothing has been updated. This company is reporting false information on my report which is illegal. Im not sure how they recieved my information if XXXX  is saying they have not reported such information. And again the balance this company is reporting isn't an amount that I would owe because my payments are much higher then this for two cars that I have currentln with this company. I was able to view the last four of the account number on my report and it does not match the last four digits of my actual account number. Whcih confirms this information is indeed incprrect.
Product: Mortgage

Paid off mortgage with SecurityNational Mortgage Company on XX/XX/20 and still have not received our escrow overage balance of {$770.00}. Called customer service over 20 times to resolve this issue but not getting anywhere.