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

I purchased a XXXX XXXX XXXX, on XX/XX/2019, and was in a car accident on XX/XX/2019, ( making my 1st payment not due until XX/XX/2019, which was after the accident ). My car was deemed a total loss in XXXX and although I technically wasn't responsible for any payments following the accident, I was told by my GAP insurance, to still make the payment so that my account doesn't default, and that I would get that payment back, because my account will reflect as being over paid after they pay off the loan. Hancock and XXXX XXXX came to an agreement early on, when the guarantee of title was discussed, so after that, it was beyond my control of what their policies and procedures were. I do know that it typically takes 30 days to resolve a total loss claim, and I had no desire in paying more than 1 payment for a vehicle that I barely had a month and could no longer use, especially for {$660.00}. I do believe that if I wasn't so hands on with my account, the claim would still be ongoing. I can show emails to support this as well. I have been calling Hancock every week, sometimes several days per week since the very beginning, up until sometime last week about this issue. I also went into a branch to see if someone could explain to me in person where my money had gone, and like everyone else, she couldn't even tell me. I made 1 payment in the amount of {$660.00} and I have yet to receive any of it back. The payoff amount before GAP made any payments because there were 2, was {$7000.00}, which I have several documents to support this. From what I can see, apparently, 1 of the payments from GAP were reversed and made into a regular payment instead of a curtailment like the other payment, and charged interest. By doing this, it ate up the payment I made out of pocket, and they kept it. When I saw the payments from GAP in my account, I called Hancock to discuss the overpayment at that time, and one of the reps told me to call back in a few days when my account has updated. When I tried to view my account prior to calling, I could log in, but it had been wiped clean. Luckily for me, I had printed it before they deleted everything! I have been stressed dealing with the aftermath of the accident alone, and now I am beyond stressed for what is actually mine! My credit has suffered as a result of this entire mess, and I am out of money that I did not have to pay and I'm hearing that I should not have paid if they knew my vehicle was totaled and I had GAP insurance in place! I spoke to 2 supervisors ( XXXX and XXXX ). I never received a call back from XXXX and XXXX has stopped responding.
Product: Checking or savings account

i became XXXX  and the bank fees overdrafted my account and i can not open a new account anywhere
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I received alerts from XXXX XXXX credit monitoring and TransUnion that XXXX XXXX reported a XXXX late payment, causing a significant drop in my credit scores. This claim is completely a lie, false ; I have never been late with XXXX XXXX, and I possess valid, relevant documents to support my statement. I promptly contacted the credit agencies to dispute this incorrect information, emphasizing the urgency of processing my dispute without delay and submitting supporting documents. However, dealing with TransUnion has been a nightmare. I have spoken to XXXX different representatives across customer service, online disputes, and technical support, yet I have made no progress. My concerns and factual statements are being ignored, and my account remains temporarily suspended, preventing me from accessing the online dispute system. During XXXX of my calls, an XXXX representative was extremely rude, instructing me to call back for another representative before abruptly hanging up on me. I am being treated unfairly while simply trying to correct the erroneous and untruthful information damaging my credit score and ratings. Given this situation, I am seeking legal counsel. XXXX XXXX has acknowledged that they did not report any late payment, as I have always been punctual with my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express has a pre existing ticket ( please reference CFPB ticket number XXXX ) open and sadly does not look like they are interested in resolving the matter. Which has been the case since they decided to close the account without cause or justification. They claimed that documentation was sent to me and I never received it. They continue to report inaccurate information and balances on all three credit bureaus even though the account is paid in full. They have used threating and questionable FDCPA tactics over the past two years with me on this account. The debt and delinquency of the account was a directly caused by Covid 19 which involved losing my XXXX. and my XXXX  who is a XXXX XXXX  being sick from XXXX XXXX. When I called and asked for help and options I was hung up on constantly, threatened, laughed at by there in house advanced collections department. I was consistently called by there auto dialer and harassed even after asking numerous times to please stop calling. American Express has been a complete nightmare.
Product: Mortgage

Several months ago I received a letter from Fifth Third that it had sold my mortgage to XXXX XXXX or XXXX XXXX  Within that time period I was also having terrible problem with the way my mortgage payments were reported to XXXX. Fifth third stated my payments were supposed to be twice what I was paying which was wrong. I wrote to executive management, and the CFPB finally to get some attention. Whenever I called Fifth Third no one answered the phone and no one honored t

he THREE phone appointments I set up. Now I am attempting to reac
h out to them again because if my mortgage had been sold I need the new mortgage acct # so I may refer to it in my ins documents. I never received anything regarding that sale other than a brief letter. 

This week I called my previous contact, XXXX ( XXXX ), THREE TIMES ( Wed, Thur and Fri ) to get assistance and left voice messages THREE times!! He never called me back. Today I then called 1 ) re-financing and 2 ) customer service, Refinancing DELIBERATELY hung up on me and the customer service rep was surly and condescending. He did state my mortgage had not been sold but I remember receiving the letter it had been! 

I have also attached the third complaint letter I sent today to President and CEO XXXX XXXX, because I believe when I write my complaint letters to executive management they are intercepted and never shown to those managers. This could be considered an act of fraud, because egregious wrongs are being covered over and squelched. 

In all, I have no idea who owns my mortgage and therefore how to manage it! I make my payments every month to Fifth Third Bank but I am very unhappy about all this. 

Further, the general culture at this bank is corrupt, and this corruption is deeply entrenched. There is no reason for anyone to perpetrate these many abuses against my account or me. The corporate environment is one of predation and any opportunity these people have to abuse their customers, they will do it!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Florida XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX PA XXXX Subject : Request for Reinvestigation and Correction of Credit Report Information Dear Transunion, I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S.C. 1681i - Procedures in case of disputed accuracy, and 15 U.S.C. 1681e ( b ) - Compliance procedures to ensure maximum possible accuracy of the information. I recently reviewed my credit report and would like to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : Name of Account and Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- XXXX I request that you verify the accuracy and completeness of every piece of information related to these accounts. If any information is found to be inaccurate, I ask that it be removed from my credit report. In accordance with 15 U.S.C. 1681i, if you are unable to verify the accuracy of the information within 30 days, I request that the account be removed from my credit report. Furthermore, under 15 U.S.C.

1681e ( b ), I request that you ensure that all procedures followed to include this information were reasonable and guaranteed maximum accuracy.

To reinforce my request, I cite the case Cushman v. TransUnion Corp. ( 1997 ), in which the court held that credit bureaus have a duty to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information in their credit report. This precedent establishes that the bureau can not merely rely on the verification provided by the information source but must take additional steps to ensure that the information is accurate. 
It is crucial that this matter be resolved promptly, as inaccurate information on my credit report can have detrimental effects on my financial situation and my ability to access credit fairly. In accordance with XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), the credit bureau must complete the reinvestigation of the disputed information within 30 days of receiving this request. I also request a copy of all documentation used in the reinvestigation and any additional information related to the process. 
Thank you for your attention to this matter, and I look forward to receiving a positive response within the legally mandated timeframe. 
Sincerely, XXXX XXXX
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. 


Account XXXX : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 card or prepaid card

SANTANDER CONSUMER XX/XX/2018 amount is {$14000.00}. i have sent FTC report and police report. XXXXXXXX XXXX XXXXXX/XX/2018 {$13000.00}, XXXX XX/XX/2018 {$760.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I n accordance with the Fair Credit Reporting act U.S. Bankruptcy XXXX XXXXXXXX XXXX  account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was a Charge off account and it was opened in 2015 and I have been reaching out because I am trying to close on my first mortgage, but the lender is telling me that I have to get all the negative stuff off my credit report before we can even close. Please help in getting this potentially negative account off my credit report. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX The city of XXXX XXXX had a major hailstorm that caused damage to many of my possessions, XXXX car was beyond repair and I needed to replace it. When I went to replace it, I found that my credit report had been given negative reports by a bank, Ally. I had had many conversations with this bank, as it is online only, and my daughter had a truck on a loan through them. The bank was impossible to deal with as most of their help did not speak XXXX well. I was never given any alerts or notifications of late payments, but they said XXXX were late. These were paid and I moved the loan to XXXX XXXX to get better service and a better interest rate for my daughter. I also had to replace another car. I managed to get this done with a decent rate and payment. But now over a year later my credit is still the same and nothing has changed and XXXX and XXXX are impossible to deal with, there is absolutely nothing wrong with my credit, I have XXXX issues and my credit uses are well within acceptable levels but these XXXX companies are like XXXX XXXX, as a citizen of America, it should be illegal for them to give a person a rating with no real justification for it, and no deep explanation of the reason, they need to be responsible for their actions and how they affect people. I had to acquire a car through no fault of my own yet I am still paying for it in a less than stellar credit rating by corrupt businesses that can not explain or correct their wrong doings. I am tired of being chained by XXXX companies that are in the business of selling peoples lives - it is XXXX XXXX and the government needs to put an end to it.
Product: Credit reporting or other personal consumer reports

Recently XXXX approved me a XXXX XXXX and a few weeks ago I registered with XXXX and now I was exploring the XXXX app and I saw that I have 2 hard inquiries that I do not recognize and they were not authorized by me XXXX XXXX XXXX XXXX XXXXXXXX XXXX These hard queries do not belong to me, have not been authorized by me, and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX I just got my report and I think it is wrong! I opened an XXXX XXXX card in XXXX. It was closed and I paid it off. The law firm is stating they want funds for a card that was opened in XXXX. They are reporting I was opened in XXXX  on my credit report. The firm refuses to give me supporting documents validating the debt. I was told I have the right to have an investigation done. Credit bureaus laws report that the bureaus report 100 % accurate credit history. Every step must be taken to assure that the information reported is completely accurate. The following information therefore needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : 1. Pay Off Disclosure 2. Interest Disclosure 3. Balance History 4. Payment History 5. Credit Insurance Validate Accounts XXXX XXXX XXXX Contract Closed ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION. -- ( A ) IN GENERAL -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

My Bank of America balance is incorrect. 
Account Age 13 years, 10 months OPENED ON XXXXthis should have been removed from my credit report in XXXX 
And its not
Product: Debt collection

A company name Rubin Rothman, sue me I dont somehow get court order and garnished my income, because did get notice about court dates anything?
Product: Vehicle loan or lease

I, XXXX XXXX, Consumer/ Natural Person am now aware of all rights that I have, and which are protected by Congress under the Fair Debt Collection Practice Act pursuant 15 USC 1692a ( 6 ). It has been brought to my attention and understanding that Sensible Auto, has violated multiple rights under the Fair Debt Collection Practices Act ( FDCPA ). Pursuant 15 USC 1692b ( 2 ) Sensible Auto communicated with third parties furnishing my personal location information and stated that there was an ALLEGED DEBT violation pursuant 15 USC 1692b ( 3 ). Because of Sensible Autos abusive practices, I have incurred serious injury pursuant 15 USC 1692 ( a ) and 15 USC 1692 ( b ) by having my vehicle removed unlawfully from my property. This has caused me grave danger and put me in financial hardship and caused me mental and physical anguish.

Under 15 USC 1692 c ( c ), I dispute the ALLEGED debt and refuse to pay the ALLEGED debt. I demand pursuant 15 USC 1692c ( c ) that you cease ALL further communication through ALL and ANY MEDIUM EXCEPT for communication of remedies for XXXX XXXX, the consumer and natural person, via EMAIL ONLY. Pursuant 15 USC 1692, I am invoking specified remedy as the original creditor, and I demand :
Product: Credit reporting, credit repair services, or other personal consumer reports

In the early morning hours of Wednesday, XXXX XXXX I was shopping on XXXX. I decided to purchase a small item. When XXXX brought up the payment page, I had the options to 1. buy & pay using my normal XXXX account 2. buying and then paying with XXXX XXXX XXXX which I do not have. 

I checked the latter box by mistake. I remember a pop-up that stated if you pay for an item with " XXXX XXXX '' you are basically applying for a XXXX line of credit. I did not want that, so backed out of the purchase. On my XXXX account there is no record of purchasing the item. 

On my XXXX account, it immediately showed that I now had a line of credit of {$7500.00} with XXXX. I emailed XXXX and told them I did not initiate this account and would they please close it. 

The next day I received an automated email response from XXXX, which did not address my concern. So I call XXXX They did close the account, but in the mean time I was alerted by XXXX XXXX of an inquiry on my credit XXXX note : this happened after XXXX 'gave ' me the line of credit ). I told the customer service rep that I wanted that inquiry removed as I did not authorize any of this. They said they would not do that as this is not a fraud. Well I think this is fraud as I never applied for this line, let alone authorized them to check my credit. 

The companies involved are : XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up with XXXX document managing solutions and had about {$2000.00}. Drafted from bank account with XXXX XXXX. They had my routing and bank account info. They stopped drafting when my bank account was compromised and I opened a new account. I have also changed my phone number to current ( XXXX XXXX ). Now that I have the time to address this issue, because since then I am being sued by three credit card companies and they havent done anything that is helping me. I am trying to get my money reimbursed cause all they really did was ruin my my credit, I cant seem to log in after numerous attempts and password resets. I have called the phone number XXXX XXXX XXXX numerous times and all get is a voicemail telling me to leave a message. I just want to close this sham and get my money back without the XXXX  or drama. My log in ID was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank Closed my credit card and I disputed it without any valid reasons. My husband joined a XXXX XXXX XXXX to help him and they chose to cancel anyway. I disputed for 2 years. I gave up and then Citibank sent my account into collection with a company called XXXX XXXX XXXX XXXX acct # XXXX at XXXX XXXX XXXX TX XXXX. 
I have been paying my Citibank CC that is closed with auto payment from my Citibank Checking account I have had for 19 years. I have never missed a payment nor been late they have been pulling the payments out each month. Citibank reported that I did not make my payments in XX/XX/XXXX & XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They then reported my account as a charge off since they have been reporting my account was not paid. The result of these late reporting, failure to pay and charge offs have caused my credit report score to reduce by over 100 pts. 
I contacted Citibank, XXXX XXXX by phone, mail and fax numerous times. 
I contacted XXXX XXXX as Citibank would not speak with me to get a resolution. I asked about settlement because I wanted to purchase a home. XXXX XXXX failed to tell me if I did that it would impact my credit report negatively. I made a {$830.00} payment directly to XXXX XXXX  and still continued my monthly payment. I contacted my real estate agent to get advise about what XXXX XXXX told me and she advised me not to do so I contacted XXXX same day and told him I did not want to settle that I would continue making payments. He said okay no problem but advised me incorrectly and said there was nothing he could do. 
Citibank sent me this letter I will attach on XX/XX/XXXX stating information I sent was wrong. The payment history from my bank account I will attach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had a bankruptcy discharged, after making all required mortgage payments owed per court order by a judge. The company Shellpoint Mortgage Servicing XXXX. XXXX XXXX XXXX, Sc XXXX XXXX XXXX XXXX XXXX began contacting me through letters, credit reports and sending company representatives to my home making threats of foreclosure and asking for my home phone number. This company is not listed on creditors paid in my bankruptcy and I have never had a mortgage through this company. On my credit report they state that I owe them {$110000.00} in mortgage payments. Which is not correct. I do not even know who this company is. Further more if I'm in bankruptcy or recently had a discharge they should be contacting my attorney. In which, I have already notified them to cease and desist in contacting me or coming to my home. Only contact my lawyer. The loan account on their paperwork is : XXXX for property located at : XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, Ca XXXX. I'm very concerned that they may start posting notices on my rental property and scare away tenants. Shellpoint Mortgage Company has made statements that the trustee on case failed to submit the final payment. A summary shows all accounts paid. Still waiting for a response to resolve current issue with mortgage company from attorney and trustee on bankruptcy case # XXXX
Product: Debt collection

Repeated calls from the number I submitted. Callers stating that I owe a debt with XXXX XXXX for {$690.00}. Caller states they work for " XXXX XXXX XXXX '' working fore XXXX XXXX. Asking to verify personal information such as last 4 of social and address. Very unprofessional sounding. Asking if I can " do something about that debt today '' or " can we take care of this ''. 

The are lying about the debt. I owe no money to XXXX or any other cell phone provider.