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

Violations : 15 USC 1642 15 USC 1681, 1681 ( m ), 1681 ( n ), 1681 ( o ) 15 USC 1682 ( n ) 15 USC 1691 ( c ) 15 USC 1692 ( k ) 12 CFR 1002 Unauthorized use of my credit card ( social security ) Running my credit multiple times with my consent & also without my consent, and admitting to a date on the recorded phone calls ( I have 2 recorded phone calls with the Westlake financial services representatives ) They advertise that they accept all credit types but denied me every time ; even after the improvement of my FICO score.

They have caused me emotional distress, making me feel as if I will continue to be denied if I were to keep applying, and financial hardship as I am on the verge of homelessness and my car is on its last leg, because Im not able to get a loan, nor do I feel confident to even apply for any loans. 
This is a violation of my civil rights and consumer rights because it hinders my participation in my pursuit of happiness under the Constitution, and Declaration of Independence. When Westlake Financial Services contracted with me when they pulled my Social Security number and used it to run a credit check on me, they became a trustee in my trust and since I am the beneficiary, the trustee has a fiduciary obligation to benefit the beneficiary. Using the off-ledger funds in my Social Security Trust account would cover the cost of the car. They have probably used so much of my credit that I could have probably bought several high end vehicles if they had just complied with extending me my own credit. 
I will be mailing the company a response since I cant get one over the phone of an adverse action against a corporation / conditional acceptance and I will be sending CFPB a copy as well.
Product: Debt collection

On XX/XX/XXXX, I received loan number XXXX from XXXX for approximately XXXX XXXX dollars. I did default on this payment due to being laid off, and the account was sold to collections. 

Now, National Credit Adjusters holds the debt, but has falsified information stating that the debt originated in XXXX of XXXX, which is just a blatant lie. I have already reported the inaccurate information to the credit reporting agencies, but they say National Credit Adjusters was able to provide satisfactory evidence that it was opened in XXXX. As I have already verified the loan information with XXXX, the only way NCA would be able to provide adequate evidence that the loan was opened in XXXX would be if they falsified it.
Product: Credit card

I know I always pay on time, but I dont understand why Im being reported as late in some months. Under USC 1666b, any billing mistakes must be fixed, and my account updated to reflect on-time payments.
Product: Credit reporting or other personal consumer reports

Thank you for removing some of the incorrect credit information from my file. However, there are still a few items that need to be addressed and removed. This is my second time addressing incorrect credit reporting on my file, and I am submitting to dispute these inquiries. The inquiries in question are not associated with any transactions involving goods, services, or money that I have made or authorized. I request that these inquiries be removed from my credit file as they resulted from erroneous credit report entries : XXXX : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -- -- -- -- TransUnion : XXXX XXXX XX/XX/XXXX. This inquiry is unfamiliar to me. Additionally, the information provided about this inquiry has been deleted from other bureaus, and I have concerns about their accuracy and the reported history dates. According to Fair Credit Reporting Act Section 605B ( a ), you are required to remove any items that were opened without my knowledge, consent, or authority within four business days, provided that ( 1 ) appropriate proof of my identity is given, ( 2 ) a copy of an identity theft report is included, ( 3 ) the disputed information is identified by me, and ( 4 ) I provide a statement declaring that the information does not pertain to any transaction by me.
Product: Debt collection

I received a call from MRS Associates the XXXX of XXXX was made aware I had balance with XXXXXXXX XXXX XXXX I asked her for a breakdown of the charges to be mailed to me she told me she would get that from them or have them the original creditor to mail that to me but she also stated that this will affect my credit if I dont resolve it after just telling me they just got the account. I called them back after getting a balance letter in the mail and spoke to another rep and told her Im disputing this debt until I receive a breakdown of these charges and she proceeds to tell me I CAN NOT dispute the debt. I then had to go into their website and file a dispute that way on XX/XX/2021. I called back to follow up on XX/XX/XXXX and was told the account was sent back to XXXX XXXX XXXX after I sent them dispute making them aware of the violations of the FDCPA.
Product: Consumer Loan

American Credit Acceptance ( A.C.A. ) is lying that I owe them {$1000.00}. XXXX XXXX, 2012 I was in a car accident and my vehicle became a total lost. A.C.A. told my insurance companies that I owed {$9700.00}. XXXX paid {$8300.00} ; XXXX paid {$1000.00} ; and XXXX paid {$550.00} for a total of {$9900.00}. They were overpaid by {$240.00} and they never gave me my refund. I had GAP insurance by XXXX, and XXXX refunded the GAP and extended warranty. A.C.A. cant change my balance once they tell my insurance company a balance and cashes the checks. By cashing the checks, they are argeeing that the letter attached to the check is correct amount owed. XXXX had a breakdown of all parties payments except XXXX extended warranty refund for {$240.00} which should have been returned to me, not XXXX.
Product: Debt collection

I am a victim of a data breach and identity theft Kindly block and delete the account within XXXX business days as required by FCRA 605B 15 USC 1681c2. Please find the attached FTC reports and other relevant documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft in the past and they are 4 accounts that are still reporting on my report and I need them remove. 

I have filed a police report and sent to the XXXX bureaus, however it still showing in some of them
Product: Debt collection

I am not sure on the dates are I am going to have to look back and gather all my records because this is insane. I got my income tax so I paid off almost all my collections accounts. I also asked them to take it off my credit report. Not long after I paid it off I get a letter saying I owed the same exact amount I just paid. So I went on my credit report and checked where it said dispute so I could let them know I paid it. Not long after that I get a letter saying if I dont pay that I am going to have legal action taken. So I called right away to see what was going on. They insisted I had not paid anything and I argued that I have the receipts to prove it and asked them where I could send them. They refused to answer and kept saying that I owed the money and they would not let me talk to anyone else higher up so I hung up and called back. I got the same exact responses I got from the last person I talked to. I just got another letter in the mail saying I have not pairs it but its in review. Im sick of this I have paid it I have proof and they are messing with me increasing my credit like I have been trying to do and Im not happy at all they will not stop and I am through. This was lvnv funding I talked to and it was to collect a debt for XXXX XXXX XXXX
Product: Credit reporting

Hello, For several years, I 've paid $  XXXX  to Experian for their credit monitoring service. If you look at the attached document, printed directly from Experian 's website, they say my score is  XXXX . You can see the url on that document.     I am also a member of  XXXX  and signed up today for Experian 's free credit monitoring service that they offer to  XXXX  members. The reason I signed up for it is because the  XXXX  website was showing my Experian  credit score  at  XXXX . ( I have also attached the document that shows that score, directly from Experian 's 'USAA only ' site, with url ).     A  XXXX  point differen ce is HUGE!!! I  want to know whether my Experian credit score is  XXXX  or  XXXX . Furthermore I want all of the money back that I 've paid to Experian for their credit monitoring service throughout the years since it is innaccurate.     If I do n't get my money back, I 'll request copies of the credit reports that  XXXX  pulled yesterday and that  XXXX  pulled  XXXX . Since I was rejected for both of those credit cards, I am certain that my Experian score will not show as  XXXX  which is what the Experian  Credit Monitoring Service t hat I 'm paying $  XXXX  for says it is.     It seems like I 'm paying for eith er 1 ) inaccurate information, or 2 ) a type of credit scoring model that no one is actually using to determine my credit   worthiness.     Please give me my money back.     Thank you.
Product: Credit card or prepaid card

On Sunday XX/XX/2021 at approximately XXXX XXXX, I contacted a software vendor to purchase their product. They indicated that they do business through Paypal and they have a six months same as cash offer. They sent me to the Paypal. I signed up for a Paypal account which was approved with a {$4300.00} credit limit. The software cost was {$2900.00}. I attempted to purchase the product, but the transaction was denied. I attempted to contact Paypal, but it was too late their customer service center was closed. 

On Monday XX/XX/2021, I contacted Paypal and confirmed credit limit and inquired why the transaction was denied. The young women said that they have no way of knowing why - just that the Paypal software identified some type of risk. So I contacted the software vendor and they indicated that they are in good standing and have been doing business with them for many many years. I called Paypal again and spoke to another young women and then with a supervisor and they both stated the same thing - that they don't ever know why and that there is no way to challenge or dispute the risk assessment. 
They both thought that maybe it had to do with a new account and a fairly large initial transaction amount. So I attempted to purchase {$120.00} of cat food from XXXX to test their theory, and again the transaction was denied. 
So I called again and bascially received the same pat answer - they don't know why - the software says no - and that is that. Maybe if I wait for an undetermined amount of time, I might be able to use the Paypal credit, but again no way to know for certian. 
So it appears to be misleading advertising at a minimum and a violation of the fair lending laws from my point of view. If they had just denied the credit offer to begin with and sent me a fair lending disclosure I would have had no complaint - but they didn't and the fact that there is no recourse is very frustrating.
Product: Credit reporting

This company is still reporting a paid XXXX tax lien whereas under the XXXX, I meet all of the qualifications and eligibility, per the IRS notice on IR- XX/XX/XXXX, XX/XX/2011
Product: Student loan

I applied for TEPSLF back in XXXX I have not heard anything back yet. I believe I have made more than enough qualifying payments to FedLoan Servicing to have the balance of my federal student loans forgiven.
Product: Mortgage

Mr. Cooper, a mortgage company that bought my home loan, effectively stole from me for over a year. 

In my closing documents I showed that my insurance company, XXXX, had the homeowners insurance on my home. It was part of my escrow account that determined my monthly invoice owed to Mr Cooper Yet Mr Cooper decided, on their own, that I didnt have homeowners insurance and effectively double charged me by adding on an additional XXXX $ per month to my escrow for their in-house insurance company. 

Once I noticed the amount coming out was wrong I contacted Mr. Cooper in early XXXX and eventually they refunded over {$4000.00} to me because of this double charge. 

They did not return any interest that money should have earned. In addition the following month, XXXX, they went ahead and charged me the higher amount again. That lead to a non-sufficient funds charge on the account because I was not expecting a higher amount. 

After numerous phone calls, they finally decided to wave the extra fees because the account wasnt paid on time None of this shouldve been a problem, except that Mr. Cooper thought they could get away with charging me twice for my home insurance, with their in-house insurance company. 

So to recap, Mr Cooper took out extra money, kept it, Im sure invested it, and it was only when I had to make numerous phone calls to get them to fix the problem that they decided to return my money without the interest. 

I believe this is clearly a deceptive practice and should be investigated to see if its being done on a widescale basis. 

Please contact me if you have any questions. 

XXXX XXXX
Product: Mortgage

We have submitted all the documents for closing and they continue to schedule the closing but refuse to send the documents to the title company. We have scheduled the closing 3 times from XX/XX/XXXX - XX/XX/XXXX. While the company will send emails they never respond to phone calls or provide any reason for not submitting the documents.
Product: Mortgage

We have three mortgages that are now being serviced by XXXX. The original lender was a different lender. The terms of our loan is such that the interest rate far exceed what was standard at the time. We are paying nearly 12 % on one of them and almost 10 % on the other two. They were both primary residences at the time they were purchased and we were not told that the loans carried adjustable rate mortgages. 
The mortgage documents were never explained to us at all, nor were we given options. We were not told that the mortgages were adjustable. No part of this transaction was professional nor was it in line with the loan terms of the time. 

We are unable to refinance due to being self employed and they are now rental properties. Both homes are extremely upside down and we are not able refinace or alter the terms of the loan. 

The loans were structured in what can only be described as predatory lending. 

XXXX is the servicer and has even for years. We have tried to work with them and we do n't want to go through the many months needed for loan modification. We would like them to adjust the interest rate to something that is more in line with what the market was doing at the time.
Product: Checking or savings account

I am writing today to express my deepest frustration. In XX/XX/2022, we were impacted by check fraud on our Key Bank checking account. A counterfeit check was deposited on XX/XX/2022 in the amount of {$9800.00}. The check image shows a washed check with my husband 's forged signature. None of the handwriting matches either of ours and the payee is no one we know. 

We immediately contacted our bank ( Key Bank ) to let them know the issue. This is when our problems really began. Key Bank stated they would handle the matter and return us our funds in a timely manner. To this day, we are still waiting for our funds to be returned. Key Bank also encouraged us not to close the impacted account even though our account number, names, and address was stolen. Key Bank ensured us that they would monitor the account for further fraud. Unsurprisingly, we experienced further fraud shortly thereafter. We then demanded closure of that account and money moved to a new account. 

It has been months of nearly daily phone calls to Key Bank as we attempt to have our stolen funds returned to us. We have gotten every excuse in the book from Key Bank and have gotten shuffled from person to person and department to department. This has been an incredibly stressful and disheartening process that has been impacting our day to day as the bank is holding our funds. One would think a bank would take better care of its elderly customers. It appears Key Bank has no regard for their loyal and elderly customers despite over 20 years of business. We have wasted hours of our time trying to get our questions answered and funds recovered. Not to mention the hours spent opening a new account and transferring all of our bills to auto pay with that new account. 

We have been told numerous times that someone would be contacting us to resolve the issue. Every time we wait for weeks and never hear back, despite our persistent phone calls and inquiries. My husband and I are healthcare professionals and do not have the time to spend fighting with the bank. This unwanted distraction has severely impacted our quality of life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Avant sent me this notification in XX/XX/XXXX that they filed an update for her account to the credit reporting agencies.This update reported Ms. XXXX account as settled in full as of XX/XX/XXXX, removing any and all negative reporting from XX/XX/XXXX through XX/XX/XXXX. Please be advised that the credit reporting agencies follow their own policies for updating credit reports and it may take a few days for this update to reflect on her credit report. 

As of XX/XX/XXXX that has yet to happen. My credit report is still showing this company on my report and it is still showing that it hasn't been update since XX/XX/XXXX.
Product: Checking or savings account

In XXXX of 2023, I reached out to Citi Bank concerning that I could not log into my online account. I was informed that my account was locked and asked to verify information. I verified all required information and was still locked out of my account. I then reached back out and was told that they could not unlock my account. I asked why not and how was I to access my money in the account and I was hung up on. After multiple attempts to get any type of information other than " the account is locked and I don't have authorization to unlock it '', I received an email in XXXX stating that in 60 days, my account would be closed. I called and was told that in 60 days the account would be closed and a check sent to my address on file. I verified the address. 60 days later on XX/XX/XXXX, I contacted Citibank again and was told the check had already been sent. So I waited a week to receive it. When it did not arrive within 14 days, I reached back out. I was told that they would send an email to their " back office '' and send out a new check. I verified the address on file again. I was told this check would be to me in 10-14 days. I waited and again, 14 days later, no check. This has been a repeated cycle since XXXX. 5 months and the funds are still in the OPEN ACCOUNT, and I am still receiving monthly statements that I can not access and being told I am not allowed access to the account.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX Account Number : XXXX Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian and XXXX XXXX for inaccurate, misleading, and deceptive reporting practices that violate the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). 

I have formally disputed the account ( # XXXX ) on multiple occasions, yet Experian continues to report incorrect and unverifiable data, including : False Reporting of 180-Day Late Payments Experian is reporting continuous 180-day late payments over multiple months, despite inconsistencies in balance and past due amounts.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) mandates that credit furnishers report only accurate, complete, and up-to-date information, which Experian has failed to ensure.

Billing Errors in Violation of 15 U.S.C. 1666B I have always paid as agreed, and this account should not reflect delinquency. 
Experian and XXXX are both responsible for ensuring the accuracy of reported accounts, yet they continue to misrepresent my payment history. 
Failure to Conduct a Proper Investigation ( FCRA 611 ) My credit report states : Account was in dispute now resolved - reported by subscriber.

However, I never received verification of the debt or proper validation from ZuntaFi.

Under FCRA 611 ( 15 U.S.C. 1681i ), Experian is required to conduct a proper reinvestigation and verify disputed information before marking the dispute as resolved.

Failure to Verify Debt Under FDCPA 1692g I have requested debt validation from XXXX, but they have failed to provide legally required documentation, including : A copy of the original agreement with my wet ink signature. 
An itemized breakdown of all charges, fees, and interest applied to the account. 
A complete chain of custody proving legal ownership of the debt. 
Furnishing unverified debt information to Experian is a violation of federal law. 
Re-Aging of the Account ( FCRA Violation ) Date Last Active is XX/XX/year>, but Date of Last Payment is XXXX discrepancy suggests re-aging, which is illegal under FCRA 1681c ( c ).

Experians Failure to Ensure Accuracy ( FCRA 1681e ( b ) ) Credit reporting agencies have a legal duty to ensure the accuracy and integrity of reported data before listing it on a consumers credit report. 
The contradictions in my credit report indicate that Experian did not properly verify the furnished information before reporting it. 

XXXX HISTORY OF LEGAL DISPUTES & CONSUMER COMPLAINTS XXXX has a documented history of legal disputes and consumer complaints, which raises additional concerns about the credibility of their reporting practices : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Legal action was taken against XXXX for financial misconduct. 
XXXX v. ZuntaFi ( XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were challenged in court. 
XXXX XXXX XXXX XXXX XXXX  ) Complaints Consumers have repeatedly reported billing errors, misapplied payments, and inaccurate credit reporting against XXXX.
Product: Credit card or prepaid card

To whom It may concern : I had a XXXX XXXX credit card several years with XXXX XXXX I recieved a mailed brochure on XX/XX/2021 with a phone number to reject changes before XX/XX/2021 with Barclays Bank. 
I called the phone number given by Barclays XXXX on XX/XX/2021 to reject changes. I also called XXXX XXXX  and closed the XXXX credit card account on XX/XX/2021. 
I recieved a XXXX XXXX credit card today XX/XX/2021. This is after I rejected changes with Barclays bank and closing the account with XXXX XXXX 
This account should not have been opened at XXXX or the credit card mailed out by them. 
I want nothing to do with Barclays Bank or XXXX at this point. 
Can someone please figure out why Barclays is opening accounts, when I rejected all changes. Also after the XXXX XXXX credit account was closed on XX/XX/2021. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX