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

I returned a leased vehicle back in XXXX ( it was actually the same day XXXX XXXX died thats why its so vivid for me ) Recently I attempted to lease a new vehicle only to find my perfect XXXX credit score had dropped into the 600s due to some phantom {$11.00} balance on the closed account that has killed my credit score. GM financial was of little help since they never notified me, emailed, sent a statement or anything of the sort. I would have never found out otherwise. When I called them eventually they said they would submit a letter on my behalf and reverse it. I see nothing done!!
Product: Mortgage

Opposing counsel XXXX XXXX has responded to my consumer complaint with the same old shady lawyer tactic robo-spins, he will say and do anything to defend his troubles clients because that's his job. I have evidence that XXXX XXXX XXXX was NOT present before shady rubber stamper XXXX XXXX XXXX whos license has since been revoked by the commissioner during the time pretender XXXX XXXX XXXX executed and recorded the fraudulent assignment. In addition to that, I will provide the court with shocking evidence that the California XXXX XXXX will look at very closely.
Product: Mortgage

XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, GA XXXX Select Portfolio Services SPS has communicated and implied that it is not liability for For the unfavorable governance and excess property taxes escrowed for XXXX XXXX XXXX. 
SPS has implied that XXXX is the owner of the mortgage and that it is simply an agent of XXXX. 

XXXX XXXX XXXX CEO SPS, Director XXXX XXXX CFPB, XXXX XXXX Georgia Attorney General, XXXX XXXX XXXX County Clerk, XXXX SUMMARY : The sale of XXXX XXXX XXXX has been impaired since XXXX due to excess or uneconomic property taxes. 
RESPONSE : XXXX XXXX, XXXX SPS increased XXXX XXXX XXXX property tax escrow. This is consistent with the history of the property. Historically, SPS has failed to responded to market conditions and home owner communicate. 
SPS 's bilateral valuation of the property taxes has made the property impossible to sale and have contributed to the financial distress of the property and home owner. 
SPS is conflicted by benefiting from the earnings generated by investing escrow funds prior to payment The XXXX XXXX letter increases tax escrow by 20 % from approximately XXXX in XXXX to {$30000.00} for XXXX. This would be base on an excessive valuation estimated at {>= $1,000,000}. 
This increase occurred after SPS appraiser devaluated the property from {>= $1,000,000} to {$900000.00} for a short sale. This occurred after comparable homes in the market as close as next door sold for approximately {$85000.00}. 
XXXX XXXX XXXX XXXX XXXX {>= $1,000,000}
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX
Product: Mortgage

The mortgage company for my house, PNC Bank, NA, let my hazard insurance on my home expire, which is included in my escrow account. Because they let it lapse, they sent me a letter saying they would buy insurance for my property that was more expensive and raise my house payment.

I had to start a new insurance policy with my insurance agency and it cost me {$680.00}.

I also had to pay annual liability insurance which is not covered by my escrow account, in the amount of {$800.00}.

Thanks to their negligence, I am now broke.
Product: Money transfer, virtual currency, or money service

I received a text on XX/XX/year> @ XXXX from what seemed to be Chime, the banking app I use. It stated there had been a suspicious purchase and requested the confirmation. I replied N for No. Another text came through stating a Chime Rep will call me. Seconds later, I received a call, not knowing Chime never calls unless requested. The person on the phone convinced me to transfer funds to put into a new secure account, as soon as I did the call dropped. XXXX was put out of service immediately after that. I contacted Chime about the transaction, reporting Fraud. They opened a case and " found no error '', stating I would not get my {$4700.00} back. I disputed again, but have not heard back. I realize it can take up to 45 days, but the first response was so immediate and disheartening. There's NO way to reverse a transaction like this? That was everything I had, and it took a year to save.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I appreciate your taking the time to DELETE some of the information in my credit file ; however, there are still other account that need to be UPDATED. The Experian credit bureau must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2015 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX, XX/XX/year> We are writing to inform you of a data security incident XXXX which your sensitive personal information may have XXXX accessed by an unauthorized third party. This notice provides information concerning the incident and the services we are offering at no charge to help you protect yourself. 
What Happened? 
On or about XX/XX/year>, XXXX identified a potential incident affecting its systems. We promptly took a series of steps to contain the incident, remediate the issue, contact law enforcement, and launch an investigation fo the incident. Through our investigation of the incident, we determined that between XX/XX/XXXX and XX/XX/XXXX, an unauthorized third party gained access to certain of our systems, including certain sensitive personal information stored in those systems.
Product: Consumer Loan

Pentagon Federal Credit Union obtained my personal and private financial information from XXXX Bank without my consent or a subpoena. Throughout my communication with PenFed, I have been specific in directing any and all investigation to PenFed internally. PenFed 's operatives have violated XXXX XXXX XXXX laws in addition to The XXXX XXXX XXXX. It is clear that Pretexting and deceit was used. This complaint also covers the fraud related to forged documents and criminal practices. Very closely mirrors XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX and Under XXXX XXXX XXXX XXXXXXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXXXXXX 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 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 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: Checking or savings account

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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX-Debt Final Rule XXXX. XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX Debt XXXX and would like for all listed accounts to be blacked and deleted company information Transition. Please delete the following accounts. 

XXXX XXXX XXXX XXXX bal. {$550.00} XXXX XXXX XXXX XXXX bal. {$390.00} XXXX XXXX XXXX. {$900.00} XXXX XXXX bal. {$520.00} XXXX XXXX XXXX XXXXXXXX. {$520.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY PUT IN A DISPUTE FOR A VERIFICATION OF ACCURACIES ON THIS ACCOUNT. AFTERWARDS, THIS ACCOUNT MAGICALLY BECAME OPEN AFTER BEING CLOSED FOR ALMOST 3 YEARS. LAST PAYMENT WAS XX/XX/XXXX, CAR WAS REPOSSESSED IN XX/XX/XXXX AT WHICH POINT THE ACCOUNT WAS CLOSED. ON MY XXXX CREDIT REPORT THE STATUS HAS CHANGED TO OPEN BY THE COMPANY WESTLAKE FINANCIAL SERVICES AS PER A REP FROM XXXX AND NOW THE DATE IN WHICH IS IS TO COME OFF HAS SHIFTED A YEAR FURTHER. INSTEAD OF IT BEING REMOVED ON XX/XX/XXXX, XXXX NOW HAS IT TO BE REMOVED IN XX/XX/XXXX. I HAVE TRIED NUMEROUS TIMES TO PAY THIS DEBT ON THIS CLOSED ACCOUNT, THE COMPANY REFUSES TO GIVE ME AN AGREEMENT IN WRITING ON WHAT WE DISCUSSED ON THE PHONE, THIS IS CLEARLY IN RETALIATION TO ME REPORTING THEIR " BOOKY '' WAYS. YOU CAN NOT OPEN A ACCOUNT THAT HAS BEEN CLOSED. FURTHERMORE, THE DATES LISTED ARE WRONG AS WELL. IT IS MY RIGHT UNDER FCRA 623 ( b ) ( 1 ) ( D ) TO HAVE ANY AND ALL INCORRECT INFORMATION CORRECTED OR DELETED IF THEY CAN NOT VERIFY THE FACTS OF THE MATTER, WHICH IS THAT THIS ACCOUNT HAS MANY INACCURACIES! I AM NOT IN POSSESSION OF THE PRODUCT NOR HAVE I REOPENED OR MADE ANY ATTEMPTS TO REOPEN THIS ACCOUNT. I AM NOT RECEIVING MONTHLY STATEMENTS OR MAKING MONTHLY PAYMENTS NOR IS THERE A CONTRACT STATING SUCH.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dealt with Experian in XX/XX/2020. On XX/XX/2020 I ordered all three scores and reports from all credit agencies for XXXX. On XX/XX/XXXX I was charged again a XXXX recurring monthly membership fee. I already have XXXX, and did not order a monthly membership. I canceled the membership on XX/XX/2020, and spoke to XXXX, then XXXX. I then receive an email saying that because I canceled my membership, that my credit report is now UNLOCKED. I believe this is unethical and illegal. I have had all 3 credit reports LOCKED at all three agencies as I have previously been a victim of Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX closed accounts Fraudulent accounts Which is generally defamation my name. I have tried several l times to correct this matter with both closed accounts. I tried to contact for fact finding!!!! XXXX XXXX  unknown account XXXX XXXX I was minor ..... Which is consumer abuse ( XXXX needs to do a XXXX because i have not receive any form of payment in any form. This is negligent violation. I have over XXXX XXXX inquires on my credit file. 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 all inquries are double
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed the accuracy of reported debt to Transunion the last 2 dates are XX/XX/XXXX and XX/XX/XXXX. The accounts disputed were XXXX XXXX reporting an {$840.00} balance and XXXX XXXX with a balance of {$490.00} which is not accurate. Therefore should be removed. They do not notify me at all not by paper letter or electronic. When I spoke to TransUnion they simply said they verified the account was mine, no mention of the balances date of accuracy nothing. My lifestyle is being impacted by their negligence to report my credit file accurately. FTC laws are suppose to protect consumers from this type of activity and behavior.
Product: Debt collection

After an emergency room visit on XX/XX/18, I received the expected bill, minus the amount my insurance paid. I was not told, upon being admitted, that I would receive MANY other bills, Emergency Room Physicians, Laboratory costs, Radiology, separate from the hospital. When I did, one was a " Final Statement '' demanding payment immediately. I never received any other statements. I called to make payment arrangements. They wanted more than I could afford, because I also had other bills from that visit that I was making payments on, so we agreed on a different amount and I began paying. I also told them that I was waiting to receive an approval for charity care since my salary as a XXXX XXXX XXXX XXXX is quite low and infrequent. They told me I could submit the letter once I received it and they would apply that to my account. I stopped receiving statements and had no idea what my balance was or account number OR where to send the payments ( or pay online ). I tried calling the number listed for the doctor but it was disconnected. The facility, XXXX XXXX XXXX, uses an outside billing service that's not even in my state. I finally had to call my insurance company to find out where they had sent their payment. I mailed my payment with a letter explaining why it was late. I then started to receive collection notices from a collection agency. I called them and explained that I had made payment arrangements with the original creditor. The representative I spoke to said she could see that and she, too, was confused as to why I was placed in collections. I continued to pay the original creditor. I received ANOTHER collection notice, called them again and spoke to a different representative who was very abrupt and accused me of wanting to " argue '' with him. I disconnected the call and sent a C & D letter, but didn't send it Certified, so the notices continue. I am still paying the original creditor. I called the original creditor, again and asked why I stopped getting notices and why they wouldn't take the approval letter for financial assistance from the hospital. The response was : Once you make payment arrangements, we don't send out any more statements. And once you're in collections we can't accept any financial assistance approvals.
Product: Credit reporting, credit repair services, or other personal consumer reports

A trade line on my report is showing an inaccurate date thereby re-aging the line to extend the amount of time it stays on my report. Recently this company, Target, has been " flagging '' my report regularly which is negatively impacting my score even further. I have received multiple alerts from CRA monitoring services of this action made by Target, which is a clear effort to further damage my credit rating since every time they flag my account my score drops lower. In doing so, this has created negative financial consequences for me. 

The date of first delinquency was 7 years ago. I have already requested that this be investigated by all three CRA 's. Target has " confirmed '' the information is correct and refuses to remove the inaccurate information from my report. I have original statements from Target showing the Date of First Delinquency. If I have these statements, so should they. Which should clearly show that they did not investigate the account and are taking these actions deliberately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The XXXX Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX : {$1600.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX, XXXX XXXX XXXX, XXXX, L ; XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX, I was I was fraudulently contacted and victimized/scammed by someone representing themselves as being from the fraud department and they tricked me into providing banking details and ultimately made two ( 2 ) XXXX transfers from my checking account using XXXX, stealing my monies in the total amount of {$920.00}. 

I immediately called Capital One 360 and reported the incident and gave all the details I had and completed and returned any necessary paperwork at the time, etc. I believe two separate fraud cases were open and subsequently closed as I was told the return of my funds was pending from the other bank that the monies were sent too, and that there was nothing more that Capital One could do. To date, I have received zero dollars back. 

I am legally XXXX, live on a fixed income and have been desperately waiting for my monies to be returned to me. I have complied and filed reports with law enforcement, IC3.gov and complied with all of Capital Ones requests and provided an abundance of information that I was able to put together on this scam. Today, I have also reported a scam directly to XXXX, through their website online submission form and sent a certified letter again to Capital One.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Vehicle loan or lease

Auto Credit of Va is running a scam. I missed XXXX payment so they put my car into reposession. This company threatend to put me in jail if i didnt give them back the car. I have made payments on this car since XX/XX/XXXX totaling XXXX for XXXX XXXX XXXX, I paid 3 times what its worth. All i want to do is finish paying the loan for {$4600.00}. They want my car back to resell it again for another outrages Price. I put my heart and soul in this car. The contract i walked out with wasnt mine. It was my car signed by someonelse. I don't believe they have a contract with my name on it and my signature and the XXXX XXXX so this is all questionable. They know they made a mistake and they are trying to fix it the wrong way.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX  XXXX - XXXX, Account XXXX XXXX XXXXXXXX XXXX - XXXX, XXXX XXXX XXXX- XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX, Account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) has violated my rights.

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 an account without my written instructions.