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

On XX/XX/2021, I paid off my current lease in full ( early ) and purchased my vehicle with a cashiers check. I followed their instructions, I completed the odometer statement, bill of sale, etc. I sent everything via overnight mail and per their request, I sent a cashiers check to receive immediate credit. Therefore, they received and were to began the process on XX/XX/2021. I contacted my bank and verified the cashiers check cleared my bank on XX/XX/2021. I have called twice. On the 0econd of the two calls I was told, I would receive everything by XX/XX/XXXX. As of today, it is 81 days since they received my payoff, immediate funds, documents and still I can not register, my car in my name, pay the sales taxes, etc. 

Thank you.
Product: Credit reporting or other personal consumer reports

Hello to who it may concern, My Name is XXXX XXXX XXXX I Am currently XXXX  and have been so for some time/ at the XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX I am currently enrolled in a XXXX  XXXX  XXXX  here at the facility to grasp the true understanding of Building wealth and a positive credit profile / While being enrolled in the program I had the opportunity to have my credit report pulled and I see I have XXXX closed accounts along with some soft and hard credit Inqurires/ I am reaching out because I did not open these accounts or make any inquires in regards to opening up and New Accounts I have been incarcerated Since XXXX of 2017 and did not apply for nor did I open any Lines of credit or obtain any credit Cards and would like for these negative Items that are impacting my credit profile to please be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

My Citizens Bank credit card account appears to be open within my online account, payments are caught up through this month, and a cash balance of {$100.00} is currently displayed in my online account. I went to make a purchase at XXXX XXXX for less than {$100.00} ( {$100.00} is authorized ) on XX/XX/XXXX, and was declined. 

When I called Citizens Bank Credit Card Services on XX/XX/XXXX, manager XXXX XXXX ( ext. XXXX ) informed me my credit card was closed in XXXX for delinquency I had missed a payment or two due to a job layoff in XX/XX/XXXX, but resumed regular payments ). 

However, the bank made no attempt to inform me by letter or phone, and my online account, which is caught up on payments ( I recently paid {$140.00}, and all minimums have been paid for the last several months Ive been assessed late fees and interest ) tells me I have a positive cash balance as I remain consistently under my credit limit ( {$1300.00} used out of {$1400.00} ). 

The bank says nothing can be done about reopening my credit card, despite the inaccurate consumer-facing information and silent account closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureau 's are reporting inaccuracy and not giving fairness. 

They will not updated my billing address, they still have a inaccurate address of XXXX XXXX XXXX XXXX VA XXXX it been 30 days now and still nothing begin updated I notice it's been 30 days still no proof given. Regarding a dispute for XXXX XXXX XXXX Experian sent me email back showing Proof of someone else name. They Have not showed any proof with my name listed giving me proof of inaccuracy I want to report they have damaged my credit report
Product: Credit reporting or other personal consumer reports

Due to a data breach with experian and XXXX my information and identity was compromised. 15 us c 1681b states I have a right to privacy. According to FCRA section 605b it is illegal to report anything in my credit report without permission
Product: Mortgage

In XXXX I completed a deed in lieu with Ocwen Loan Servicing for my house in XXXX County at XXXX XXXX XXXX XXXX. I received a XXXX from Ocwen showing the release of lien effective XXXX/XXXX/XXXX. The credit bureaus all show the loan discharged from my credit report in XXXX. In XXXX XXXX I began receiving foreclosure notices from Ocwen and phone calls from their customer service department. I also spoke with a relationship specialist. None of them could tell me why after 9 months I started receiving foreclosure notices even though I do n't own the property. I did find out in XXXX of XXXX that the paperwork sent to Ocwen 's attorney was not filed with XXXX County because the lawyer is " no longer in business ''. Also, I found that the house was listed with a real estate agent from XXXX XXXX to XXXX XXXX by a realtor hired by Ocwen. I spoke with the realtor and she stated there was an interested buyer in the home but they could not get clear title on the house because Ocwen 's attorney failed to file the paperwork with XXXX County. I also received a letter dated XXXX/XXXX/XXXX stating my deed in lieu was completed XXXX/XXXX/XXXX. That is 4 years before starting the deed in lieu process.
Product: Credit reporting or other personal consumer reports

Please update account history XXXX  XXXX  and XXXX XXXX accounts
Product: Credit reporting or other personal consumer reports

Complaint Regarding Inaccurate Late Payment Reporting I am writing to formally file a complaint against XXXX XXXX XXXX  for their failure to correct inaccurate late payment reporting on my credit report. Despite my credit card payments being made on time, they continue to report late payments, which is negatively affecting my creditworthiness and causing me financial hardship by limiting my ability to purchase a vehicle or home. 

Under the Fair Credit Billing Act ( XXXX XXXX Code XXXX ( b ) ), I am disputing this inaccurate information, and I am requesting an immediate correction. Furthermore, under the Truth in Lending Act ( XXXX XXXX Code XXXX ( a ) ), I have the right to receive accurate billing information, which XXXX XXXX XXXX  has failed to provide. 

Additionally, this inaccurate reporting is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to consumer reporting agencies must be fair, accurate, and substantiated. Reporting false or outdated information violates my rights under the FCRA and constitutes an unfair and deceptive practice. 

I have previously contacted XXXX XXXX XXXX  and the credit bureaus to dispute these inaccuracies, but no action has been taken to resolve this issue. As a result, I am now seeking the CFPBs intervention to ensure my rights as a consumer are upheld. 

Thank you for your time and prompt attention to this matter. I look forward to your response and a resolution to this complaint. 

Sincerely, XXXX XXXX
Product: Mortgage

To whom it may concern, Bank of America is my mortgage lender for my home. They notified me that an escrow collection will be increased almost by $ 150 monthly since they received two different property insurance policies. One of them is not my policy. A mortgage representative at Bank of America told that I have to contact XXXX insurance company and request them to report that it is not my policy. I contact XXXX and the representative informed me that they can not give any information for the policy because I am not a policy holder, so, the lender has to contact them. Ever, the policy which was sent to my escrow account is a commercial policy which a private homeowner like me is not covered, but, Bank of America did not attempt to verify it with me or the insurance company when they recieve it. This issues was not resolved, yet, and it seems no one wanted to responsible. I am also concerned that Bank of America does not cautiously process a sensitive information with a private financial information.
Product: Money transfer, virtual currency, or money service

I attached my Venmo account to my newly downloaded XXXX app for the sole purposes of getting a discount with a trial membership. When I attempted to use my *gift card* balance for the purchase ( rounded to {$42.00} with a donation ), that money was instead taken from my bank account via Venmo. I contacted customer service. They said they could not change the payment method after the order was placed. I was offered a {$5.00} discount off my next purchase at first, then {$7.00} after I got upset. They said they couldn't change my payment method after an order was placed. I was ordering because my partner is sick and specifically requested XXXX XXXX, and I didn't want the order cancelled, so I said something undignified and told them not to cancel the order. As it turns out, XXXX wasn't planning to cancel my order, regardless. ( It may be that the restaurant had already started cooking or they were giving me what feedback they were in order to mislead me into not cancelling it. ) My prior interactions with XXXX have been frustrating. A friend placed an order in one case with a similar result to this one. In XXXX, I placed an order that never showed up but stayed in " waiting '' for hours. Thankfully, it was at least fully refunded. I have avoided XXXX since and only used it, this time, because I had a gift card. I attached my Venmo so I could avoid their exorbitant fees with a free trial membership only for this nonsense to happen. This is definitely a problem with XXXX and maybe one with Venmo. 

I placed pertinent order with a scheduled delivery time of XXXX on XXXX XXXX, XXXX. Order number is XXXX. I have attached screenshots of my interaction with customer service, as well as my order. I am not proud that I cursed. It's not my habit.
Product: Checking or savings account

The bank gave me the wrong email to send proof of payment by another method when I disputed a charge by XXXX  that made a charge to my debit card that I did not authorize. I requested the bank expedite the reversing of a debit because they said they did not receive proof. The bank refused to expedite the reversal which caused my account to be overdrawn and will cause a financial hardship.
Product: Vehicle loan or lease

Navy Federal Credit Union violated my rights under the Americans with Disabilities Act and Section 508 of the Rehabilitation Act by not administering my Auto Loan hardship deferment/payment arrangement in a manner that was accessible to my XXXX. 

As a result they reported my account 30 days late for XX/XX/XXXX. 

I entered into a hardship agreement with Navy Federal Credit Union for my Auto LoanMy loan payment with deferred payments from XX/XX/XXXX to XXXX XX/XX/XXXX due to financial hardship as a result of my XXXX. 

However, Navy FCU never annotated my account online in my web banking portal, or through my mobile app. Navy FCU did not provide the details of my payment deferment anywhere in my online banking. 

I am a person with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I rely on my assistive technology and digital devices to manage my finances. 

I was unable to manage this arrangement accurately due to this accessibility failure. 

XX/XX/XXXX. 

I made a good faith effort to honor the payment arrangement, in the absence of accommodation for my XXXX needs. 

I made timely payments on XX/XX/XXXX XX/XX/XXXX My account was current as of XX/XX/XXXX. 

My next payment was processed on XX/XX/XXXX As of XXXX XX/XX/XXXX my account was current. 

My XX/XX/XXXX payment was paid on XX/XX/XXXX. 

This payment was not returned. 

My next payment was on XX/XX/XXXX. 

In XXXX and XX/XX/XXXX Navy FCU removed my capability to process online payments, violating my ADA rights to accommodate my XXXX. This prevented me from making a timely payment causing my payments to be late. 

Removing my ability to manage my finances through my assistive technology online is a blatant violation of my civil rights as a person with a XXXX. This action directly harmed me.
Product: Mortgage

XX/XX/2015My wife and I have a Mortgage held jointly. However we bank separately, she has a Chase account and I a XXXX account. We both write a check from our individual checking accounts to pay our mortgage with Chase, account number XXXX. 
On XXXX XXXX, 2015 my wife walked in the payment to a Chase Branch and handed both checks to the teller. A few weeks later we receive a letter from Chase telling us our account is delinquent. That XXXX of the checks, my check from my XXXX account, was an ISF check. I knew that was a lie because I had the funds to cover my check plus {$6000.00} worth of overdraft protection. More than enough to cover a {$770.00} check. I started to investigate and saw that our mortgage account was credited for the full payment on XXXX XXXX 2015, and then 6 days later it was reversed and labeled a " Misapplied Payment. My wife noticed her check cleared her account but my check was never presented to XXXX for processing. I called the Chase help desk and explained that my check was not an ISF check and asked where my check was. No one could tell me. They also said an investigation can take three weeks. I asked to speak with Supervisors and went through XXXX individuals, the last of which changed the alibi from a ISF check to that XXXX refused to process the check. XXXX told me my check was never presented for processing. Still no sign of my check. Now Chase hit my credit report with a negative post as being Delinquent. My credit rating went down by XXXX points from an " Excellent '' to a " Good '' rating and all of this without any indication of what happened to my check that was handed to a teller at Chase branch in XXXX New York. Meanwhile Chase had my wife 's check of {$770.00} and did not credit our mortgage account with those funds. I finally reached an Assistant Vice President by the name of XXXX XXXX. Within an half hour she saw that it was a Bank error and told me the scanner at the branch was not able to read the numbers on the check accurately and the teller should have realized the problem right away. XXXX XXXX told me that Chase would reverse all negative postings to my credit report and that all I needed to da was provide Chase with another check, which I did on XXXX XXXX, 2015. 
How can a bank hit your credit report in a negative manner without even concluding an investigation? I have heard stories of people have major problems with correcting errors on their credit report, is Chase going to help me with this problem if it occurs. Chase should be fined due to their lack of professional behavior with this issue. Labeling my payment as an ISF entitled them to collect fees and this was the first excuse for the problem which turned out to be an error on the banks part. Up to this date, I still do not have my original check, copy or hard copy. Should I put a stop payment? Is Chase going to pay the fee for the stop payment? Ridiculous, the public bails out these banks and they continue to behave in a way that only is to their benefit. I need them to be held accountable.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX XXXX on XX/XX/year> I didnt not consent for this hard inquiry on my report I have no knowledge of this
Product: Credit reporting, credit repair services, or other personal consumer reports

Transuniom and XXXX are still negatively reporting 4 student loans from XXXX on my reports whereas XXXX  has them closed and paid as they should be. They also keep taking the balance up and down hundreds of dollars causing my scores to constantly drop lower and lower every time I get them back up.
Product: Credit reporting 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 Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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 XXXXXX/XX/XXXX 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

I have reached out to XXXX XXXX to remove me as authorized user on 2 cards. I never used these accounts and made aware by the account holder of their request to have me removed as authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous request & I am including it again : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$5800.00} XXXX XXXX Bankruptcy Discharged Reference # : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$5800.00} XXXX  XXXX Bankruptcy Discharged Reference # XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$5800.00} XXXX  XXXX Bankruptcy Discharged Reference # : XXXX.
Product: Debt collection

I received a notification ( attached " CCS Letter.pdf '' ) from a company purporting to be from Credit Collection Services, dated XX/XX/2022, although I received it after that date. The notification claims that we owe {$130.00} to XXXX XXXX XXXX related to our daughter. But we have never received an invoice from XXXX XXXX related to services provided to our daughter on that date. Charges from XXXX XXXX for her go through our insurance ; we do not pay them out of pocket. The attached XXXX ( " claims.csv '' ) shows that our insurance never received a claim from XXXX around the dates indicated in the notification -- although they did get one later, which insurance paid in full. It thus just doesn't make sense that we would have to pay XXXX anything directly. 

The notification further gives no information that would allow us to investigate the amount. It lists an " account number '' but there is no way to verify charges with XXXX using that information. XXXX requires a " lab code '' and a " bill number. '' The notification does not provide that information. 

Moreover, the entity that claims that it is seeking to collect a debt from us is not the one on the license number provided. " Credit Collection Services '' claims to operate in New York under XXXX license number XXXX. But the entity that holds that license is not Credit Collection Services, but rather " Credit Control Services , Inc. '' There is no " d/b/a '' information that indicates that entity operates in New York state under any other names. The XXXX licensing information is attached as " CCS 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. 
XXXX XXXX XXXX XXXX. has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. And delete, this address never lived here XXXX XXXX XXXX, XXXX   XXXX, MO XXXX never gave this company written consent to add anything on my credit report. Please remove and delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, and XXXX XXXX, I wrote letters asking Transunion to investigate a late payment. Transunion continued to keep the late payment on my report with no validation nor verification. This is a error that could have been fixed if a federal law investigation was conducted. Please update XXXX XXXX as XXXX  because of the CARES ACT.
Product: Debt collection

This account was part of my deceased husband I was forced to pay it due to it being sent to court for judgement. I paid this account to XXXX XXXX XXXX whose client is LVNV funding on XX/XX/2020 amount of {$1500.00}. I received a payoff letter but the new company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who are clients for LVNV funding now who has this account is saying it's not usable and they don't know who XXXX XXXX XXXX are. This account was originally not mines I paid it due to being in judgement with the courts but somehow seems it wasn't posted correctly or sent to right company I have no clue what to do in my position now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Hi after going over credit report and disputing debt for validation XXXX refuses to validate the debts were mines. They have flagged the account and just assumed its mines. I need to see sign contracts and agreements