23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I AM FURIOUS!! WHY IF MY PAYMENT IS POSTED TO MY ACCOUNT AND IT SAYS MY AVAILABLE CREDIT IS A CERTAIN AMOUNT WHY AM I LOCKED OUT OF MY DARN CARD AND CANT USE IT? YOU HAVE RECEIVED MY PAYMENT. YOU HAVE POSTED MY PAYMENT BUT YOUR HOLDING MY AVAILABLE CREDIT " HOSTAGE ''??!! UNTIL " YALL FEEL LIKE IT? '' XXXXMMENITY RECEIVED MY PAYMENT OF : {$3100.00} ON XX/XX/2022!! POSTED THE PAYMENT TO MY ACCOUNT ( SO IT CLEARED THE BANK ) AND MY ACCOUNT SHOWS I HAVE {$2100.00} AVAILABLE CREDIT BUT YOU ARE NOT RELEASING THE MONEY UNTIL YOU FEL LIKE IT?? THEN REFUND MY PAYMENT AND I WHEN YALL DECIDE TO RELEASE MY AVAILABLE CREDIT THEN I WILL SEND THE PAYMENT IN! YOU CANT ACCEPT PAYMENT THEN NOT RELEASE THE FUNDS!! THATS STEALING!!! 

EITHER RELEASE THE HOLD ON MY LIMIT OR IM CONTACTING MY ATTORNEY AND FILING THEFT CHARGES!! COMMENITY BANK BASICALLY TOOK THE MONEY FOR MY PAYMENT, APPLIED IT TO MY ACCCOUNT BUT SAYING, " BY THE WAY, U DONT HAVE ACCESS TO THE ACCOUNT? AND THE ACCOUNT IS STILL OPEN??? XXXX XXXXXXXX XXXX XXXX IF MY FUNDS ARE NOT RELEASED AS OF THE DATE MY PAYMENT CLEARED WHICH IS DAYS AGO, I AM CONTACTING MY ATTORNEY TO FILE THEFT CHARGES AGAINST YOUR BANK!! ND ALSO THEFT BY DECEPTION!! YOU TELL ME TO MAKE A PAYMENT, I MAKE THE PAYMENT, YOU CLEAR THE PAYMENT BUT I HAVE NO ACCESS UNTIL YALL DECIDE TO RELEASE MY MONEY???? I THINK NOT!! I WILL ALSO BE FILING A COMPLAINT WITH THE, CONSUMER FINANCIAL PROTECTION BUREAU TO ADVISE THEM OF THIS " PRACTICE '' OF YOURS!
Product: Vehicle loan or lease

I joined a monitoring service in which I noticed a fraudulent auto loan on my file in my name in which i did not obtain From Company Honor Finance for the amount of {$5000.00}. This account is Fraudulent and does not belong to me and has been reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bureau is refusing to remove inquiries that were obtained without my permission, I have sent them numerous requests asking to remove them and they have not ; so I'm filing this complaint against them for unfair credit reporting XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX
Product: Vehicle loan or lease

Wells Fargo repossed my car for 2 missed payments last year and one this year after accepting a payment this entire year since XXXX. When I tried to get car back they charged me {$2100.00} in what they called late fees since 2017. They said that since the loans inception I have been late. But I was never told about owing late fees at any time. Car payments are {$580.00}. 3 missed payments is {$1700.00}. I had to pay {$4300.00} to get my car back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I was notified on XXXX XXXX and XXXX XXXX that a bankruptcy that was reporting on my credit file had been removed in the process they took it off and put it back on there which can not do they did not verify this information I know because the federal court here does not report to credit companies therefore they lied like it was verified so they removed and put it back and it need to be deleted which is a violation this was Transunion
Product: Money transfer, virtual currency, or money service

I have 2 transactions for XXXX on XX/XX/year> And 1 for XXXX XXXX I submitted complaints about the transaction directly to zelle and Im reporting these 2 transactions for fraud
Product: Credit reporting or other personal consumer reports

The account reported is inaccurate, it is not my account.
Product: Credit card or prepaid card

I contacted CitiBank regarding a fraud alert on my Sears XXXX on XX/XX/22. I was asked to provide a phone number so I could receive a call back. I gave my phone number and never received a phone call back. I called back and was told my number was not verified. They would need to mail a letter. My contact information is current on my account, including the phone number that I gave them to give ma call back. Still nothing. My account is locked and I have to wait for a letter in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting a complaint by phone directly to Equifax about incomplete information being allowed to be placed on my credit report. I have seen my credit score drop by XXXX points in 7 days from XX/XX/23 to XX/XX/23, it was obvious retaliatory behavior. Can someone check if this was a legitimate? " I spent {$45.00} on a target card '' and the score went down XXXX points. " A collection account was added '' my score went down XXXX points for an account that was already on there. " I spent {$390.00} more this month '' my score went down again but they did not report the one credit line went up by {$1000.00}. Equifax is not reporting the " good '' but are quick to report thing that are questionable.
Product: Vehicle loan or lease

i cosigned for my daughter  on XXXX XXXX XXXX XXXX. Loan was thru Ally Financial, XXXX XXXX i believe? XXXX full coverage insurance thru XXXX and gap ins. XXXX XXXX XXXX. On XXXX or very early XX/XX/XXXX it was stolen in XXXX. Everything was turned in. She even tried tow yards. It was never recovered, this was on her birthday. XXXX gave her a rental for a couple of days, we paid rest. They said it was ok. If they were ever late paying, Ally immediately mailed me a bill and i would pay it. It looked like it was off my credit, now full amount is back on with missed payments, i guess since its theft?? On XX/XX/XXXX & XXXX Ally sent me 2 letters, requesting copy of check, we never received it Ally did?? Also want copy of police report. Well XXXX precinct was being set on fire repeatedly, that plus covid, plus not getting paperwork the police say maybe 4 weeks they are backed up, still dealing with XXXX  and covid. They have ruined my credit. I just got denial on a cheap little car {$11000.00} at 8 , % interest. My score has always been very high, now its maybe 600. I cant even borrow $ 8-10,000!! I have called so many times, on hold for 1-2 hours, i have emailed, its just run around Ally letterhead stating they are gap insurance company..makes zero sense. They have paid, or srnt form at least, XXXX for personal possessions in car. I am in Idaho, my daughter   is in Wa. at this time. Its very hard as there was a XXXX  XXXX issue, XXXX XXXX XXXX so she can not go back to get her paperwork and will be divorcing  of course. Insurancecwas in her husband XXXX XXXX ' name Ins Claim/, report # XXXX. I really need this fixed. They had been paying on time, paying insurance and GAP..i have been working on this for months. I understand covid, but that goes both ways and XXXX is getting thrashed the police are few and busy. Can you please tell me what to do? Any info would be greatly appreciated. Ally acct # XXXX. Balance due is {$17000.00}. I can send picture of my Statement of Credit Denial, Termination or Change, i just received XX/XX/XXXX. First one in my life. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, ID. XXXX ( XXXX XXXX XXXX. Voice mail does not work. My daughter is XXXX XXXX XXXX XX/XX/XXXX. They sent title paperwork to a wrong address, she finally got it, notarized and has been returned. They have title!! I really need help, this is crazy, we didnt get a check. We cant send a picture, it goes to THEM and will send another police report asap. Thank you for your time and any info. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

During this challenging period, I held a lease agreement with XXXX. 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 XXXX 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 XXXX 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 XXXX 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 XXXX '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 Experian and XXXX, specifically citing the CFPB 's XX/XX/2023 judgement against XXXX 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 XXXX. It is my contention that the conduct of XXXX 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 or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

CountryPlace, Please explain the following items : In your response to my complaint on XX/XX/XXXX, you attached a One to Four Contract that does not include every signature and/or the Certification of Completion. Why is that? You are missing the Title COmpanys signature and the Sellers Wet Signature. See attached.

How is Country Place NOT a part of the One to Four Contract if you created the document requesting me to sign it? 

One signature is from the title company, one is from you, and one is I had, and one is the only one I can say can be somewhat valid because it has a certificate of completion. 

Also, I got quite a few Closing Disclosures and this is my first time buying a house. Can you please confirm if we're using the Closing Disclosure from XX/XX/XXXX? that the Closing Disclosure you provided to the Title Company. Also, you sent a Closing Disclosure to the CFPB dated XX/XX/XXXX. WHAT ABOUT THE CLOSING DISCLOSURE FROM XX/XX/XXXX? The one from XXXX has a certificate of completion. ( see attached ) Why did we have to sign so many different closing disclosures is that normal? 

How come we or you had to pay for the XXXX XXXX  XXXX Surveys? What about the XXXX XXXX ones? 

Why did the same appraiser who did my appraisal do a lot 2 and lot 3 also? 

If you had the XXXX XXXX Information how come you did not provide this to the title company or to me or the CFPB? We would have liked to know there was a whole XXXX XXXX  Agreement. 

How come my house was sprayed for termites whenever you should not do that considering the well thing? How bad is that for my family 's health? 

How come XXXX the Site Contractor worker, the developer, and the septic installer were not disclosed to me? 

How come XXXX XXXX was not disclosed to me? And why did she list my house for sale after I bought it? 

How can I get the construction costs? I would like to know how much we paid for the well and everything? 

I've reached out to you so many times please send me my loan documents, i want my escrow information also.
Product: Debt collection

So theres a couple problems. XXXX XXXX knew that I had XXXX because I verbally told them. Thats the first problem. The second problem is that they took my medical information and gave that medical information to a collection agency in the river in accordance to the response from the collection, agency XXXX XXXX. 
I under no circumstances, agreed that a XXXX XXXX for a collection agency could have my medical information. I want this removed immediately. And I would like you to pursue whatever HIPAA things should be reported
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen me and my family of XXXX will be facing XXXX  due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. 

Companies listed below are reporting accounts obtained thru identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XX/XX/2015 XXXX XXXX XXXX XXXX, This account was open without my knowledge.I have requested proper validation in regards to this account. This account was reporting blank information. Once i disputed this account it is now reporting. Information that isnt mines and incorrect. my first attemp to contact this company. They offered to remove this information but brought it back with information.Account information is missing inorder to dispute fully
Product: Bank account or service

I attempted to make a withdraw from a Regions ATM in the amount of {$280.00} from an XXXX XXXX XXXX card. I use this ATM several times a month in varying amounts without issue. Today I received an error message after submitting my withdrawal and I was not given the cash requested or a receipt. My XXXX account was debited for {$280.00} to include the fee charged. After contacting Regions about this issue, I was told they have no record of the transaction and would not be able to assist me whatsoever. 

Their ATMs error is costing me considerable financial strain. I needed this money to pay my car payment which will now be late and runs the risk of repossession.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. I researched on how to remove the fraudulent accounts and information from my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX Open Date XX/XX/XXXX Balance XXXX XXXXXXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Balance XXXX XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX Balance XXXX XXXX XXXX Pa Date Assigned XX/XX/XXXX XXXXXXX Original Balance {$61.00} XXXXXXXX XXXX XXXX  XXXX XXXX Original Balance {$85.00} Date Assigned XX/XX/XXXX XXXX XXXXXXXX Date Assigned XX/XX/XXXX Original Balance {$510.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Assigned XX/XX/XXXX Original Balance {$1600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, 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. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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. 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 or other personal consumer reports

I disputed this information with all three credit bureaus. A contract was never sign with company and debt validation letter has not been received. Under the law 15 USC 1681b credit reporting agencies are only allowed two furnish consumer credit reports to those who have permissible purposes as defined by the FCRA.
Product: Checking or savings account

I am writing to The Consumer Financial Protection Bureau ( CFPB ) to further report and request an immediate resolution with the hope that you will assist and rectify a very messy and distressing situation. My complaint is associated with the unauthorized withdrawal/removal of {$1000.00} from my checking account with New York Community Bank via XXXX by an unknown individual, on XX/XX/2021. 
On XX/XX/2021 I responded to an New York Community Bank ( NYCB ) email informing me that {$1000.00} was withdrawn/removed from my NYCB checking account on XX/XX/2021 via the opening of an unauthorized XXXX account XXXX according to a notice by a XXXX XXXX XXXX XXXX ) XXXX. The notice indicated if I disagreed ( did not authorize ) the withdrawal I was instructed to contact NYCB customer service department. When I contacted NYCB customer service department on the XXXX, I was told because of the nature of my concerns I had to follow-up with my branch. Speaking with my branch manager XXXX XXXX the next day ( XX/XX/2021 ) regarding the unauthorized activity associated with my checking account. Most specifically there was the opening of a XXXX account with NYCB and the withdrawal/removal of {$1000.00} paid to a XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021. 
I was told NYCB is not responsible for any XXXX transactions and XXXX XXXX, reiterated when I spoke with him on XX/XX/2021 and met with him XX/XX/2021. When I questioned the validity of XXXX XXXX statement associated with a XXXX XXXX, having the ability to open a XXXX account and transfer funds reinforcing that XXXX XXXX was not known to me or an authorized member on any of my NYCB accounts. I was told the activity was done using my mobile phone, therefore, the bank felt the action solidified NYCB was not in any way liable even if I had not authorized the opening of the XXXX account. Clearly, such a position is preposterous and unacceptable. 
XXXX XXXX suggested that I follow-up with XXXX, a separate entity, because XXXX is not associated with NYCB. I found the statement totally unacceptable and shared my disagreement and displeasure. Even so, after several attempts to contact XXXX, I felt it was important and necessary to file an official fraud complaint with the XXXX XXXX XXXX Police Department, XXXX XXXX, XXXX, New York, moving the fraud incident forward. As a result, of my concerns, appropriately a fraud case was opened by XXXX. XXXX, and I was subsequently provided with complaint # XXXX, establishing a legal fraud complaint.
Product: Student loan

I have dealt with Navient ( and XXXX XXXX ) since I got out of School and have had nothing but problems with them. They range across the board for a number of things : - Inability to work with me on trying to lower my payments. - Placing my loans in forbearance instead of accepting lowered payment options that I could afford just keep charging me interest. - Hanging up on me when I tried to discuss my repayment or interest lowering options. - Refusing outright to remove my parents from my loan as co-signers even though I 've never had them make a payment on my behalf. <P/>This group of humans have made life for my family rather difficult over the past 10+ years since I 've had to pay my loans. I have gone through times of economic hardship solely because of the extremely high repayment of these loans. As an XXXX Veteran, I simply wanted to do better for my family after leaving the service and Navient is making that XXXX near impossible. I struggle week to week with paying everything because I have to pay them so much. I do n't want to call them because of what I 've stated above to I do some fancy footwork to make it all come together. But, in the end it exhausts you to no end when you ca n't even take your wife to a movie because you have to account for every penny so you can make sure you do n't get hit with a late fee from these jackalsXXXX
Product: Debt collection

I am writing to file a formal complaint regarding a collection account labeled CAPITAL ONE XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX  To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXXXXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Debt collection

Hello, I would like to consider the collection prepared by the XXXX XXXX XXXX based on forged documents and here is the explanation and attachment of the documents. Lease contract issued by XXXX XXXX XXXX XXXX Date XX/XX/year> and after a few months the owner or name changed to XXXX XXXX XXXX which issued a separate document with the date XX/XX/year>, after checking, I came to the conclusion that it was not possible, that the date prepared by XXXX XXXX was earlier than the contract and it was not even the new owner yet, finally, I realized that the document and date are forged and because it is a federal crime I applied for a Debt Validation Letter with full documentation and they did not respond, please read and help, thank you.