23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was trying to add my car to the insurance company XXXX, they in turned tried to charge me XXXX and something to add a car that my policy was almost up and I told them never mind and I would get me some more insurance and I did with the XXXX  paying way less than XXXX something to add a car and they still ended up trying to charge me to add the car to my insurance and now has come after my credit by putting it in collection with my credit companies using the collection agency of Caine and Weiner and all this messing up my credit for car insurance I didnt have with them but with another company
Product: Credit reporting, credit repair services, or other personal consumer reports

it happened that i noticed some fraudulent activity on my XXXX  XXXX XXXX account. after i disputed the charges through XXXX  XXXX XXXX, they advised me to open a new account so they transfer my funds to my new account and close the old one. i agreed and they did that fund transferring from the old to the new account. i have called XXXX XXXX XXXXXXXX XXXX XXXX XXXX time to close the old one so i do not receive notification email regarding the old account. theses repeated requests all were ignored. after around 6-7 months later i received a call from XXXX XXXX XXXX informing me that they will close my account with them due to a ChexSystem report from XXXX XXXX XXXXXXXX STATING I HAD account Abuse. I was shocked because i have been a very excellent customer to XXXX XXXXXXXX XXXX since XXXX after another million calls to this bank, finally an agent explained to me that the bank itself has committed a mistake by overcompensating me an amount arround XXXX on one of my DISPUTE claims. then for correcting this problem XXXX  XXXX XXXX decided to correct their mistake by reporting me to ChexSystem as an account Abuser, instead of informing ME that i was overcompensated and should return that money to XXXX  XXXX XXXX. Very interesting!! as soon as i found out about that charge i paid that balance right away and XXXX  XXXX XXXX promised to remove that report from my ChexSystem. but they only updated the balance to zero. and now I AM UNABLE TO OPEN A NEW ACCOUNT WITH ANY OTHER BANK and that is because XXXX XXXX XXXX agents are IRRESPONSIBLE.
Product: Debt collection

The company sent me a paper bill on XX/XX/XXXX. This was AFTER the bill was paid. I logged onto the company website ( Penn Credit ), and the message said I had to contact the office to pay the bill. Upon calling the company, I was directed to an automated line that tried to sell me automotive breakdown services without my consent. I explicitly selected the option to decline this offer and was connected to an automated line that ushered me through the process of signing up. When I repeatedly said " No, No, No, No '', I was disconnected. When I called back to try to pay the bill, the woman told me the bill was already paid. I then inquired why the company sent me a bill AFTER the bill was already paid, and she said, " it was already in the mail ''. How is this possible if the bill was already paid? As an senior in my XXXX 's, I do not appreciate people trying to scam me to pay bills more than once. I want to file a complaint so that they STOP! 

Bill paid : XX/XX/XXXX Confirmation Number : XXXXXXXX XXXX sent again : XX/XX/XXXX Spoke with XXXX XXXX XX/XX/XXXX @ XXXX
Product: Money transfer, virtual currency, or money service

I got involved as a victim of a big scam pretending to be people from XXXX and XXXX 's customer service. 

It started with me listing an item for sale on XXXX XXXX. The buyer said he could pay via XXXX, asked for my phone number and email, and then a fake XXXX email ( " XXXX '' ) and him started asking for more and more money to be transferred via XXXX, Venmo, PayPal, and XXXXXXXX XXXX for my account to become a " Business Account '' among other requirements, saying that they will refund all the money back once this is all done. This continued until I did not have enough money and I realized that this was all a scam. 

So, I have reported on these transactions through the apps too and to the XXXX XXXX XXXX XXXX. On PayPal, I have had XXXX transactions to these scammers ( XXXX pending ), and I wanted to at least cancel the XXXX " Pending '' ones because, as we have realized, they are to scams. 

Please, cancel those XXXX pending transactions and unable my money to be moved. Also, I have already filed a report on XXXX of the completed transactions on PayPal ( case ID : XXXX XXXX XXXX please get it processed, PayPal, and get my money refunded. 

I will be eternally grateful. Thank you very much.
Product: Credit reporting or other personal consumer reports

1ST IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACCOUNT # XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 

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. 

( 2ND ) IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACCOUNT XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 

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.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against TransUnion for their failure to address and resolve inaccuracies on my consumer credit report. On XX/XX/year>, I sent a detailed letter to TransUnion via certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX ), outlining several inaccuracies and requesting proof of validation for the following accounts that I do not recognize : XXXX account number XXXX XXXX XXXX  account number XXXXXXXX XXXX account number XXXXXXXX XXXX account number XXXX XXXX XXXX account number XXXX Additionally, I requested information regarding three hard inquiries made XXXX XXXX XXXX and XXXX, which I do not recognize. 

Despite my efforts to resolve these discrepancies, TransUnion has not provided me with any of the requested documentation or proof of validation as required under the Fair Credit Reporting Act ( FCRA ). This lack of cooperation is preventing me from correcting my consumer report and is adversely affecting my credit score, thereby hindering my ability to obtain a good job, a decent car, and a home in a good neighborhood. 

I am seeking your assistance in this matter to ensure that TransUnion complies with the FCRA and provides the necessary documentation to validate the disputed accounts and inquiries. I am committed to resolving this issue but require cooperation from TransUnion to do so. 

Please find attached copies of my initial correspondence with TransUnion, along with proof of certified mail delivery. Your prompt attention to this matter would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Subject : Notice Of Dispute - LJ ROSS XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account LJ ROSS XXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account LJ ROSS XXXX. 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account LJ ROSS XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account LJ ROSS XXXX. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX Wrong Address : XXXX XXXX XXXX XXXX, GA XXXX Employer : XXXX XXXX Date Updated : XX/XX/2020
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX  Balance : {$24000.00} XXXX XXXX Balance : {$9100.00} US DEPT ED XXXX Balance : {$2500.00} US DEPT ED XXXX Balance : {$3400.00} US DEPT ED XXXX Balance : {$2800.00} US DEPT ED XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

1. 0n XX/XX/XXXX my wife and I put our house into forbearance due to my wife having her work hours cut due to the XXXX XXXX. 
2. At the end of XX/XX/XXXX, I called my mortgage company, US Bank, to start the process of getting out of my forbearance. I was initially told that since I had a VA loan, the mortgage company was waiting for guidance from VA on how to proceed with modifying VA loans that were put into forbearance. The representative asked if I could start making payments and I said I could. I started making payments again in XX/XX/XXXX. 
3. I called every week to get a status update and every week I received a different answer about what was being done with my forbearance. 
4. On XX/XX/XXXX I received a call from a representative asking what I was able to do/not do where my forbearance was concerned. I was told it would take thirty days to complete my evaluation. 
5. On XX/XX/XXXX I received a call from a representative stating that my loan modification had been approved, I should be receiving paperwork from underwriting within thirty days and that I didn't need to make a payment for XXXX but I would for XXXX. 
6. On XX/XX/XXXX I had yet to receive any paperwork from underwriting but I still made a payment for XXXX. 
7. On XX/XX/XXXX I received a letter from underwriting, stating the terms of my loan modification, I had until XX/XX/XXXX to appeal the modification and I didn't need to make a payment until XXXX. I didn't appeal the modification. The paperwork also stated that I would receive more paperwork by XX/XX/XXXX, for my wife and I to sign for the loan modification. 
8. As of this date, XXXX/XXXX/XXXX, I have yet to receive any paperwork for my wife and I to sign to resolve this forbearance. 
9. I have called and emailed numerous times and even filed a complaint, within US Bank, and I still keep getting the same answer that they are working on it. 
10. This paperwork should have been started on XX/XX/XXXX, since I didn't appeal the loan modification. 

Now eight months later, we are no farther along than when we requested to end the forbearance.
Product: Credit reporting or other personal consumer reports

This is a formal complaint against Toyota Motor Credit Corporation ( TMCC ), pursuant to Consumer Financial Protection Bureau judgement against TMCC ( Case No. XXXX ) and in relation to the difficulties I experienced during the COVID-19 pandemic which have had a significant impact on my financial situation and credit standing. 

During this challenging period, I held a lease agreement with TMCC. As an employee of a non-profit in the education sector facing financial hardship, I sought to explore options for mitigating my financial burden, including the possibility of amending my lease terms by removing services or paying off the lease prematurely. Regrettably, my attempts to communicate with TMCC were met with insurmountable challenges. The customer service infrastructure, notably the phone tree system, proved to be ineffective and unresponsive, often leading to disconnections or cyclical routing without resolution. Despite repeated attempts over an extended period, my efforts to engage with TMCC to address this matter were unsuccessful. 

Ultimately, resigned to the situation, I prepared for the inevitable repossession of the vehicle. The repossession process was conducted without any prior communication or attempt by TMCC to resolve the issue. This incident, which was avoidable, remains the sole blemish on my otherwise unblemished credit record, and is indicative of an anomaly in TMCC 's business practices at the time. 

Furthermore, I have taken steps to rectify the impact of this incident on my credit reports. This includes submitting requests for the removal of this record to XXXX and XXXX, specifically citing the CFPB 's XX/XX/2023 judgement against TMCC for related lending misconduct. Despite these bureaus acknowledgment of my requests, no changes have been made to my credit history or scores, and I have not received any substantive explanation for this inaction. 

This unresolved matter has adversely affected my ability to secure a car loan, despite maintaining a credit score in the mid-700s. It is my contention that the conduct of TMCC, in this case, is not only inconsistent with the expected standards of customer service but also reflective of the practices for which they were recently sanctioned by the CFPB, and should, therefore, be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have a complaint regarding Standard Mortgage Corporation and how they are reporting payments received. 

Standard Mortgage Corporation is reporting XX/XX/year> Mortgage payment as 30 days late in error. XXXX was paid on the XXXX. Originally XX/XX/year> Mortgage payment was reported late. This was disputed and updated in my favor only to have the late payment move to XXXX unexpectedly. I have tried multiple times to get XXXX to remove the late payment, but they indicate that it has been verified as accurate and my repeated attempts are frivolous. 

Standard Mortgage Corporation has admitted that XXXX was not reported as late to the credit agencies but stands firm that it is XXXX that is now showing in XXXX. My concern with this is that XXXX already showed as late and was removed because it was also an error. 

Although both XXXX and XXXX were paid late, neither were paid late enough to be reported to the agencies. SMC states that XXXX was received after the close of business this is a false statement. XXXX Mortgage payment was received at XXXX p.m. on XX/XX/XXXX and their business hours are XXXX XXXX p.m. Monday Friday. They also state that for a payment to be posted to the account on the same day, it must be received before XXXX p.m. This is also a false statement. Prior to XX/XX/year> payments were posted/credited on the same day scheduled. After XX/XX/year> they are not posted/credited to my account until they have cleared my bank account. 

Proof in point, XXXX was paid on the XXXX at XXXX a.m. and I did not receive credit for payment until the XXXX. XXXX was paid on the XXXX at XXXX p.m. and I did not receive credit for payment until XX/XX/XXXX. XXXX was paid on the XXXX at XXXX a.m. and I did not receive credit for payment until the XXXX. XXXX was paid on the XXXX at XXXX a.m. and I did not receive credit for payment until the XXXX. The Consumer Financial Protection Bureau states that payments are to be credited to the consumers account on the date of receipt not when the funds are deposited into the creditors account. Additionally, the CFPB allows for reasonable cut-off times, but it states that cut-off times shall not be before XXXX p.m. So, the statement made by SMC regarding received after close of business is a FALSE statement. I repeat their business hours are XXXX p.m. Monday XXXXFriday and the payment in question was made at XXXX p.m. on XX/XX/XXXX. This is before their close of business and before the XXXX p.m. time allowed by the CFPB. 

Multiple payments have been posted incorrectly. Thankfully only XXXX and XXXX have posed a problem. This is unfair credit reporting and needs to be addressed and removed from my XXXX credit report immediately.
Product: Mortgage

My mortgage lender, Sierra Pacific, is responsible for paying my home owners insurance along with taxes but they never sent out payment for my insurance and I was not notified until after my insurance had already been cancelled for 10 days. I have been going back and forth between my lender and the insurance agency and payment has still not been made. They are refusing to send payment until forms and what not have been sent yet A ) the forms have already been sent and B ) it should have never gotten to this point! What and I paying every month for. If anything happens to my home I want Sierra Pacific to be held 100 % responsible for all damages!
Product: Credit reporting or other personal consumer reports

I have asked Experian Credit Bureau on several occasions to verify and update this XXXX  XXXX account ( Account number XXXX ) that I had disputed with accurate information the last time was last month XX/XX/XXXX and they assured me that all information was verified and was accurate and that the account would be unchanged, I can see from my credit report that several inaccuracies remain the most obvious inaccuracy is the fact they are reporting 150 days late in XXXX & XXXX of XXXX which is not possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no business with AD ASTRA RECOVERY account # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights. 

15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I the consumer/ natural person and original creditor. Pursuant 15 USC 1602 ( p ) that there has been unauthorized use of my credit card by BMO HARRIS BANK without me benefiting from this consumer credit transaction. My benefits were taken by misleading and deceptive forms 15 USC 1692j ( a ) requesting payments. This herein show I have sent 2 cease and desist letter in which BMO HARRIS BANK N.A continue to take money from my account for an alleged debt that is not owed. I am the original creditor and BMO HARRIS BANK N.A . have not verified where the credit came from because banks can not give credit nor loan money. If called upon to testify as a witness I the consumer and original creditor shall so state herein. This consumer credit transaction was unjust and I had not equity in it. Exhibits attached show my attempt to collect on my money that I loan BMO HARRIS BANK N.A . but the haven't did so as of XX/XX/2020. Exhibits showing my efforts for BMO HARRIS BANK N.A . to rectify this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was closed out from Bankruptcy has {$0.00} balance** XXXX XXXX XXXX is still showing from XX/XX/2013 past ( 7 ) years**** XXXX XXXX  XXXX was paid off in full and still showing on my credit report***** XXXX 's is still showing on my credit report closed out in XX/XX/XXXX, XXXX XXXX XXXX  is still showing on my credit report closed out XX/XX/XXXX, XXXX Bankruptcy was dismissed Chapter XXXX ****
Product: Checking or savings account

On XX/XX/2022 my son and I visited our local XXXX XXXX CA branch to open a new checking account for him before he leaves for college. We chose Chase because my son and I have had a Uniform Gift to Minor savings account with {$50000.00} in it for several years at this branch. Also I have have a Chase credit credit that I have used for several years, and a recently paid off mortgage.

We opened his new checking account which went fine. After some discussion with the Relationship Banker it was decided that since my son is now XXXX XXXX XXXX the XXXX savings should be closed. We took his advice and closed it, transferring the {$50000.00} balance to a new joint savings account. That went fine as well. 

We then went to the teller to redeem about {$250.00} in XXXX XXXX XXXX XXXX ( college funds for my son ). The teller had us endorse the bonds, then she ran them through her scanner which stamped the back of the bonds. 

At the very end of the processing she asked us for our savings account number. We provided her our new account number. She then indicated the savings account had not been opened for a year so she was not allowed to redeem the bonds. 

I explained that we just closed our UTMA joint savings account that has been opened for several years with Chase and she could refer to that account number to establish we had been banking there for more than a year. She still refused to redeem the bonds telling us her computer is saying no, she has to use the new account as the reference. 

The gentleman that closed the XXXX account and opened the new one then updated the computer to reopen the XXXX account, and sent us back to the teller to finish redeeming the bonds. The teller still refused to redeem them because the computer wont let them. 

Making matters worse is the bonds have Chase 's endorsement on the back and then another stamp cancelling that endorsement. Explaining all this to the federal reserve which is where the branch told me to redeem them will be impossible.

We want to redeem these bonds, worth about {$250.00}, at the local Chase branch based on the {$50000.00} we have had their for several years ( and an active credit card and a recently paid of mortgage ) Can you let me know if this is unreasonable?