23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have canceled an auto insurance policy and continue to get collection notices for {$140.00} for non-payment for a canceled policy. 

They have three brokers/agency/insurance that do not talk to each other and blaming others for not giving proper information, using wrong forms ( not my form ). 

They have sent my account to collection and is impacting my credit rating, employment. 

Date of cancelation requested XXXX ( due to holidays and being out of Country time diff. ) to cancel, contacted XXXX as was advised by XXXX to do that. 

XX/XX/XXXX - Received and signed the cancelation letter dated XX/XX/XXXX. 

Letter says cancellation date ofXX/XX/XXXX, XXXX XXXX. 

Obtained insurance with new insurance and began payments on XXXX. 

Did not use vehicle as was out of country XXXX to XXXX.
Product: Mortgage

After solving my former problems regarding the accurate monthly payment amount and learning that the monthly payment due was {$960.00} I set up auto pay in XXXX of XXXX and was told that the first deduction will take place on XX/XX/XXXX. I mailed the XXXX payment and I called the bank at the end of XXXX to make sure the autopay was properly set for the amount of {$960.00}. I was told by Autopay customer service that everything was fine and that the amount of {$960.00} will be deducted on XX/XX/XXXX. XXXX. 

When I checked my bank statement on XX/XX/XXXX I realized that instead of the regular monthly payment of {$960.00}, Fifth Third Bank Autopay had bill my account for {$1900.00}. I am enclosing a picture of the screen showing the deduction of {$960.00} for the monthly payment plus {$940.00} labeled " curtailment '' I never agreed to a " curtailment '' payment on top of my monthly payment. This deduction is placing me in as situation XXXX XXXX for the rest of the month. I have been trying to talk to 5/3 bank for the last two hours. The Autopay department never took the call after holding 20 mts, the Dispute department told me they could not do anything about this and referred the call supposedly to the mortgage department. I have been on hold for more than one hour and have not been able to talk to anyone. 

I want the {$940.00} curtailment payment back into my account. If Fifth Third Bank is unable to keep is commitment and promises to bill only for the monthly payment due, I will be forced cancel this feature. 

I am more than fed up with Fifth Third Bank. It seems that every month I have to experience some type of fraudulent behavior or am subjected to some type of XXXX XXXX that always ends up with me losing and they trying to take money that they are not supposed to take. Again, I need the curtailment money they took right now. For XXXX 's sake, it is XXXX and have lots of bills to pay!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning, which left me confused and concerned. I checked my credit report as usual, but this time, there were discrepancies that I didn't expect. I tried refreshing my browser, hoping it was a technical issue, but the unauthorized inquiries persisted. Because of this, I am requesting that the documents Ive submitted be carefully reviewed so I can stop worrying about this situation.
Product: Mortgage

I paid of my mortgage loan with PNC Mortgage on XXXX XXXX, 2015. I have contacted them XXXX times requesting the balance in my escrow account. They had taken out XXXX and XXXX pmi insurance and I told them they have to prorate XXXX and they said they would. To date I still have not received a check from them however, I received a letter of denial regarding the prorated amount for the pmi insurance. I contacted the company again today and no supervisor was available they said they would call me back. The correct amount owed to me is XXXX.
Product: Student loan

Navient has sent me a letter on XXXX, XXXX, 2016 stating that they were researching my account based on the fact that my loans were taken out of deferment while I am still in school. As of XXXX XXXX, 2016 I have yet received a response from them. In addition I have checked my account and they have transfer some of my federal stafford loans and I have no idea where they are transfered to. Navient has not sent me any notification of this transfer. 

In addition after they sent me this letter that they were reviewing my account they send some of my accounts to creditors.. They are playing games with my account and its really not good.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX bankruptcy XXXXXXXX XXXX XXXX bankruptcy XXXX unknown XXXX consumer XXXX XXXX consumer XXXX XXXX Has violated my rights 15 USC 1681 section 602 A, states I have the right to privacy 15 USC 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which ante cedes the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified XXXX that under 15 U.S. Code 1681b - Permissable Purpose of consumer reports ( A ) In general subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other ( B ) in accordance with the written instructions of the consumer to whom it relates That I XXXX XXXX never have XXXX  or Equifax any written consent to report anything on my consumer report, no consent is identity theft. 

Concerning the accounts listed below as a consumer I am demanding a deletion of these accounts US DEP ED account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX  removed US DEP ED account XXXX XXXX but is still reporting XXXX XXXX account # XXXX XXXX XXXX account # XXXX And Equifax has yet to remove either all accounts listed in this complaint
Product: Mortgage

Citizens Bank N.A., HELOC lender, did not notify me by email, phone, or hardcopy requiring signature of impending adverse reporting to credit bureaus when automated payment on the loan failed. In doing so, bank violated the notice requirement of the FCRA. Bank had been notied of very poor USPS rst-class service at my address, which made reliance on this means of communication unreliable and undesirable, but bank continued to use this means exclusively, although it had my email address and phone number. Bank continued to report nonpayment on the loan to credit bureaus monthly for almost two years, destroying my credit record. I discovered this only when I received a foreclosure threat from the bank 's attorneys, which I did receive. This has now happened in two sequences. On the most recent occasion, the nes charged were around {$1000.00}. Bank 's online systems also keep changing without notice. The last website through which I set up automatic payment on the loan is not online ( its domain name does not resolve ). The loan portal site suggested by XXXX XXXX redirects to a site that's not online when " Home Loan '' is selected from the portal 's menu. As a result, I don't even know how to render either the past-due or future amounts. My account on the original website from which it was administered was closed without notice on a prior occasion. My request to speak to " the Chairman 's Escalation Ofce '' was rejected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts the below accounts have violated my rights. 

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 15 U.S.C 1681 Section 602 A. States I have 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. 

I would like these accounts removed. 

Thank you for your time, XXXX XXXX
Product: Credit reporting or other personal consumer reports

PRIOR COMPLAINT NUMBER - XXXX COMPLAINT NUMBER COMPANY TOOK TO LONG TO RESPOND AND ACCORING TO MY RIGHTS I REQUESTING THEM REMOVE IT ON XX/XX/year> - THEY DIDNT RESPOND TILL XXXX. THESE ITEMS NEED TO BE REMOVED QUICKLY PER MY RIGHTS AS A CONSUMER
Product: Checking or savings account

Had direct deposit come into my account. Transferred monies out, XXXX by accident so, after waiting for the transfer to clear, transferred monies back in. They put a hold on half ( {$2000.00} ) of the amount. It's going to make me late on a real estate payment when it's basically taking me a week to cancel a transfer- that's all I want to do in the first place. It's insane that they won't override the hold when all the money came from and easily traced direct deposit from my employer.
Product: Credit card

I disputed a transaction with Apple Card for a purchase made at XXXX on XX/XX/XXXX, for the amount of {$210.00}. The dispute was filed because the item I purchased had issues and needed to be returned within XXXX 's stated 30-day return window. Despite this, XXXX 's system created technical difficulties that prevented me from processing the return. 

To support my case, I submitted the following evidence through Apple Cards chat system : A copy of the XXXX receipt, clearly showing the purchase date and 30-day return policy. 
Screenshots and documentation of the technical difficulties I encountered when attempting to process the return. 

Timeline of Events : XX/XX/XXXX : Apple Card confirmed receiving my dispute under case number XXXX. I was informed that the dispute was accepted, and a temporary credit of {$210.00} was issued while the investigation was underway. 
XX/XX/XXXX ( later ) : I was informed that Goldman Sachs Bank USA contacted XXXX to request additional information, with a resolution expected by XX/XX/XXXX. XXXX was given a response deadline of XX/XX/XXXX. 
XX/XX/XXXX : Apple Card updated me that the merchant responded, and Goldman Sachs Bank USA was reviewing the documentation provided by XXXX. I was again told that the investigation would conclude by XX/XX/XXXX. 
XX/XX/XXXX : I received an email from Apple Card that mistakenly categorized my dispute as a service-related issue instead of a product return. This misclassification has delayed and complicated the dispute resolution process. 

Even at the time of my follow-up email on XX/XX/XXXX, the item was still within XXXX 30-day return window. I reiterated the issue and resubmitted supporting documents, but the dispute was still improperly handled. The attachments, which included my XXXX receipt and screenshots showing failed return attempts, were not reviewed adequately. It is surprising and disappointing that the dispute team failed to consider the evidence provided. 

Dispute Case Details : Dispute Case Number : XXXX Transaction Date : XX/XX/XXXX Merchant Name : XXXX Disputed Amount : {$210.00}
Product: Debt collection

I have a collection being listed in my consumer credit file under National Credit Systems, for a rental which was paid and not accurate. I have tried repeatedly to get the matter documented and they don't comply yet the bureau will not remove or take my dispute serious. The company has not provided documentation to me nor conducted an investigation in compliance with applicable laws on reporting. I have been struggling just to get them to actually look into this.
Product: Debt collection

BASICALLY THERE MAKING IT HARD FOR ME 2 GET ANY TYPE OF CREDIT. THEY CALLEME HARASSIMG ME THREATNING ME OVER AND OVER AGAIN I ONLY BOROW XXXX FROM THEM AND THEYRE SAYING I BOROWED XXXX.WICH I DID NOT ALSO THEY ALSO GAVE MY # TO OTHER LOAN COMPANYS CALLING ME OFFERING ME. LOANS I JUST WANTEM TO. STOP PLSE
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit account been having transactions since XXXX till Now XXXX transactions I am totally unaware of...
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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM 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
Product: Debt collection

I have received XXXX judgments along with garnishments against my paycheck on XXXX them. These were both Capital One Bank credit Cards that went into collection XXXX 2006. That is 10 years and 10 months ago. That would be 4 years 10 months past the State of Oregon 's Statute of Limitations on Collection Lawsuits. I called them to ask why they are garnishing my wages almost 11 years later, and I was told that would be giving legal advice! I now find myself unable to sustain monthly payments on my families utilities & falling behind across the board due to the flagrant and apparently illegal actions of this unethical collection / attorney firm. I cant afford to pay another attorney to stop the illegal garnishments and Statute of Limitations complete disregard.
Product: Credit reporting

Equifax is aware of status received " Certificated of Lien Satisfaction of Judgment '' with XXXX with their dispute filed on XXXX XXXX confirmation XXXX however, Equifax still refuse to update the derogatory remarks on my credit reporting status " paid on time, account closed with zero balance, or removed this derogatory remark from my Public Records on my credit report. Equifax has received the letter of certificated from XXXX XXXX XXXX XXXX Court with the dispute. 

Equifax refusal to correct the derogatory remark from my public records. Their response " CORRECTLY REPORTED '' WHICH IS VERY FALSE. However Equifax refuse to follow a COURT ORDER Certificate of Lien ACCOUNT HAS BEEN PAID AND SATISFIED WITH XXXX BALANCE ( see attachments ) Due to Equifax refuse to honor or aide this court order has caused damage to my credit rating immediate attention is needed with the correct action taken.l I had send attachment of certificate of satisfaction to Equifax with my dispute about this derogatory remark in my Public Records. 
Please address error to higher level of management I had filed numerous complaints with Equifax and they still refuse to response properly to address this complaint or make update corrections. 

Equifax remarks under Public Records should state : 1 : Account paid on time in full 2 : Account close with XXXX balance Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Simply put, the accounts listed herein were not authorized by me, the consumer, to be reported to my consumer credit files, violating the Fair Credit Reporting Act. As this is my surety report, I control what is listed on my consumer credit reports and am hereby demanding the immediate removal of the accounts listed herein. I am NOT requesting validation or verification. I am demanding a removal of the following accounts based on violations committed by you according to the FCRA. According to the Supremacy Clause, when its in the best interest of the consumer and where there is conflict, federal law and the Constitution will take precedence over State law, and company law. According to 15 U.S. Code 1681 ( a ), you are hereby in violation of my right to privacy and information I demand be private and blocked and your reporting of these accounts is a direct violation of the permissible purpose section under the FCRA. The reporting of these accounts are not accurate and therefore must be removed. It is unverifiable due to my refusal to give you consent to communicate with other parties on this account without my consent as this is inaccurate. 

TAKE NOTICE THAT YOU ARE IN VIOLATION OF 15 U.S. CODE 1861C-2 IF YOU FAIL TO REMOVE THE LISTED ACCOUNTS AS REQUIRED AND MANDATED BY LAW. According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, about the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I did not provide you with a permissible purpose to report any of these accounts which is a violation of 15 U.S. Code 1681b ( 2 ). I have provided you with proof of identification, a copy of the required identity theft report, a list of the accounts along with a statement advising that none of those accounts were transactions authorized by me, the federally protected consumer.
Product: Checking or savings account

Merrill Lynch still refuses to give me my money and just on XXXX XXXX i called them and they said a check was sent on XXXX XXXX then i calley again on the XXXX and they said they sent it to XXXX still not true they are holding my funds because of the situation with the check cashing place which has nothing to do with them the check cashing place has their money so that's all XXXX. XXXX paid XXXX and sent my funds to them those are my funds, i'm not doing anything fraudently, the i spoke with XXXX and they told me all the dates the check cashing place was calling and pretending to be me I even tried to put a stop payment on the check but it was already paid to Merrill lynch and they have not sent anything back to them and how would they know about the check cashing place and what they are assuming what happen anyway thats because the check cashing place was upset when i changed my mind due to their high fees not posted in their place of business.I don't owe no one anything i never got my money and i been waiting since XX/XX/2023, they are making false reports of fraud and closed my account listening to the lies of that check cashing place that i have filed a complaint against as well next it will be a law suit, the check cashing place deposited two different remote deposits of the same check on different dates the first date was XX/XX/XXXX and it came back on XX/XX/XXXX then they did it again and it came back on XX/XX/XXXX so why would they give money up if it already bounced cause they didn't not to me so i want my money from XXXX cause XXXX does not have it.The check cashing place was trying to make me cash that check there but their fees were too high and i only learned that it was illegal for them to charge that the next day. I would appreciate it if merrill lynch would stop being rude to me cause i want my money and to stop telling me different lies cause they are trying to keep my money.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately 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: Debt collection

In 2015 a salesman from XXXX talked me into getting an alarm system. 
He gave me a price and I accepted, but XXXX kept raising my bill, also the house is rented and my landlord rejected it. Another factor is I'm XXXX years old and XXXX XXXX XXXX  for XXXX  XXXX ... It turned out I had to stay at a VA hospital and wasn't home ... I called XXXX  and begged to be released from the contract.Within 2 weeks they removed the equipment and I thought it was over. Next thing I know they referred the account to Perfection Collection and kept charging me monthly until the account rose higher and higher..I never received any letter of resolution from Perfection, the only way I found it was that my excellent credit took a serious hit..I keep getting refused for credit because of this collection company..It shows up bad everytime ... I need to erase this black mark as soon as possible..It is unfair, I was taken advantage of by XXXX  because I suffer serious XXXX and didn't know for sure what the terms were. Can you please help me?
Product: Debt collection

On XXXX XXXX my XXXX account XXXX times for affirm accounts I never made which cause my credit score to go down XXXX points. I never made a affirm account I did lose my social security card before and which could be a issue I am having but for me to have to get my credit score abused for something I never agreed to or did is wrong
Product: Checking or savings account

I deleted my cash app account, then tried to reactivate it. It said I violated terms and conditions, Im confused.
Product: Credit reporting or other personal consumer reports

This is a complaint about Experian credit bureau. They are purposefully arresting my score before XXXX. When ever my score gets to XXXX, XXXX, XXXX, they lower it more than they raise it for the same reason. Also I've tried to activate their XXXX feature. It utilizes banking info to give credit for monthly paid bills i.e. phone, rent, cable. But I need my XXXX XXXX added to their list of banks. I've made numerous requests in app, via email, and phone conversations. 
They don't respond or I get run around by phone. They are being biased and it's intentional. Enough is enough for somthg that is the ebb and flow my financial life. 
What can be done??????
Product: Credit card or prepaid card

Credit Karma advertised multiple credit cards to me with pre approval odds at 90 %, give or take, but I would always get denied and take hits on my credit report.
Product: Debt collection

On XX/XX/2022 I received XXXX letters from this business demanding I pay a debt that I felt I did not owe. I used XXXX XXXX XXXX on XXXX to ask them to stop contacting me so I'd have proof of my request and they responded on XXXX and told me they will continue to contact me anyway. Today, XXXX I received XXXX letters from them at the same time. XXXX duplicate letters demanding I pay the debts I feel I do not owe. Instead of seizing contact like I requested, they doubled down and contacted me twice per " debt '' at once. I am attaching proof of this.