23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I am not opted in to any overdraft " protection '' at my bank. They allowed XXXX debit card transactions to complete on my account for XXXX and XXXX. They stated that even though they are debit card transactions and not electronic funds transfers or checks, they are not considered " XXXX '' debit card transactions since they are paid at the same time and amount every month and I am therefore not protected by consumer protection laws for these transactions.
Product: Checking or savings account

Hello, I am having a terrible time with customer service. Everyone points, the finger, the credit card ppl blame the checking account side and back and fourth!! US bank refused to look into this situation! Credit card ppl refused to file fraudulent claim and US checking says they cant do anything because its the credit card problem!! If Im saying I didnt do it!!! I didnt switch anything to a back up for my checking account. If nobody knows anything or refuse to have due diligence in the matter how can I keep getting no help?? How can you refuse to fix the problem?? I cant pay my credit card now bc of {$770.00} charge I did not make at XXXX XXXX!! Dnt have a back for my checking!! Havent changed it to my checking or credit account!! What sense does it make to use my credit card for back up or whatever may have you just so I pay an enormously high interest???? This has never happened to any of my accounts!! US bank has the worst customer service support because everyone just defer!! This has interrupted my life in every aspect and because its on going, when I have done everything to reach some kind of manager or management!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian shows account # XXXX XXXX  XXXX as " legally paid less than full balance. '' I paid the full balance to the collection company.
Product: Mortgage

We took out a swing loan which was recorded on XX/XX/XXXX ( paperwork attached ). We paid it off on XX/XX/XXXX ( paperwork attached. We received the deed to the prperty on XX/XX/XXXX ( attached ). We received a sales aggreement to sell this property on XX/XX/XXXX. When the title was being reviewed it was brought to our attention that this loan was never properly closed and there is still a lien on our property ( attached ). We require a " Letter of Satisfaction '' from the mortgage company before we can sell our property. The setlement coordinator for our real estate company along with the title processor have contacted the mortgage company with no satisfaction. We have also made the following phone calls : XX/XX/XXXX @ XXXX XXXX  we talked for 43 minutes and were hung up on. 
XX/XX/XXXX @ XXXX XXXX  talked to XXXX for 58 minutes without any results XX/XX/XXXX @ XXXX XXXX  talked for 10 minutes without any results ( all mail boxes were full ) XX/XX/XXXX @ XXXX XXXX  talked to XXXX ( ID # XXXX ) for 24 minutes. XXXX requested we fax her the paperwork and she would review and call us the next day. We faxed her the paperwork @ XXXX XXXX. Currently XXXX has not returned our call. 
XX/XX/XXXX @ XXXX XXXX talked to XXXX  ( ID # XXXX ) for 29 minutes without any results XX/XX/XXXX @ XXXX XXXX  talked for XXXX minutes to XXXX ( ID # XXXX ). XXXX requested we fax this information which we did later that day. 
The customer service representatives say they have no information or history of this loan. We have also contacted the " Lien Release Team '' of the Mortgage company mjultiple times but have not received a call or reply of any sort. We need this " Letter of Satisfaction '' ASAP as it is holding up our sale. We already missed the first settlement date.
Product: Mortgage

I received a statement approximately XXXX XXXX that there was an escrow shortage {$110.00} and to pay to prevent monthly payment increase. I made this payment earlier in 2021. I called XXXX XXXX and was told by XXXX not to worry because I nolonger have a shortage. 
XX/XX/2021, I am notified that I have a {$150.00} escrow surplus and that my monthly payment will increase approximately {$6.00} for escrow tax and {$150.00} will be mailed to me??? I spoke to XXXX who says it's a federal law that the surplus can't be applied to escrow and has to be mailed to me and that I can't return it saying apply to escrow because of federal guidelines. Also if I did mail it back to them it would simply sit in my account and not be applied anywhere. 
He also says it serves me no benefit to make additional escrow payments, he specifically said for me as if my situation is different from other lenders!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XXXX XXXX ) Account # XXXX Account Rating IUR Type : INSTALLMENT Loan Type : AUTOMOBILE Responsibility : I Remarks : Credit Limit : High Credit : {$7000.00} Terms : Balance : Past Due : Last Payment : Charge Off : Opened : XX/XX/XXXX Paid : Closed : XX/XX/XXXX Verified : XX/XX/XXXX Update Method : LOCKED DUE TO BANKRUPTCY IT HAS BEEN PAID OFF FROM MORE THAN 7 YEARS SINCE XXXX. THIS INVALID INFORMATION IS REFLECTED ON XXXX, XXXX, AND EXPERIAN. THIS IS REPORTING NEGATIVELY AND IMPEADING ME FROM MOVING FORWARD WITH MY FINANCIALLY WITH NEEDS MY FAMILY HAS. THIS ISSUE HAS TO BE RESOLVE AS PER ADVICE OF ATTORNEY. THE INFORMATION OF COURT DOCUMENT HAS BEEN PROVIDED TO PRIORITY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX AND I HAVE CALLED AND SAT WITH SEVERAL REPRESENTATIVES IN FACILITY. GIVEN EDVIENCE AND NO RESOLVE FOR THE PAST TWO YEARS AND RECENT MONTHS.
Product: Debt collection

After receiving a debt collection notice on a bill from XXXX XXXX, I called the collection company to dispute this as I did not receive the bill. I was told by the collection agency that I should contact my insurance company for any back up regarding this bill. I called XXXX XXXX after getting the number online, and spoke to a XXXX, who could not provide me a copy of the bill and sadly told me to contact the collection agency with whom would not provide me any paper work other than what is on the collection notice. 

Since this occurred yesterday, I have had to block harassing calls. 

Please help, my health can not continue to deal with this in such a terrible manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX received a certified letter from me dated XXXX. XXXX XXXX received XXXX. Requesting XXXX XXXX to verify how they verify the information on my report. I have not heard back from them. It has been more than 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  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 an alleged fraud or extortion. 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 reporting, credit repair services, or other personal consumer reports

I paid off or paid down 6 accounts on XX/XX/2019. It says on all 3 credit reporting agencies that my accounts were updated on XX/XX/XXXX, yet none of my accounts show that anything was paid on them, but they are showing amounts that are much higher than my available credit line. The most I have gone over was {$1.00} and that was report ONE day after it went over, to the credit reporting agencies, even before I knew and was never notified. It shouldn't take months to update paid down or paid off accounts when going over {$1.00} of a credit limit is reported within a day. I also filed discrepancies, with all 3 credit bureaus, over a year ago, and I was told the discrepancies needed to be addressed within 30 days or be removed. I never heard back from anyone. Unfortunately, the credit bureaus are NOT reliable or trust worthy ... seeing I am an American citizen and have been dealing with this ridiculousness since I started working and XXXX, who have NO background, social security, no paying taxes, have 1 small line of credit, if any at all, and have 800+ credit scores. Completely illegal, and discriminatory.
Product: Credit reporting or other personal consumer reports

I understand how important it is to make timely payments. However, I missed my payment because COVID-19. But Im confident this wont happen again. As you can see from my account history, I have a long record of on-time payments before and since the late payment.

As a courtesy, I respectfully request that you make a goodwill adjustment to remove the late payment on [ XX/XX/year> ]. Please consider my track record as proof that I take my financial obligations seriously.
Product: Vehicle loan or lease

I went to XXXX XXXX on XX/XX/XXXX to purchase a used XXXX XXXX XXXX which was presented as in good/safe working order. I felt very pressured by the sales man and was informed that the advertised price was only good after a deposit of {$3000.00}. Knowing in my gust something was off I made the purchase anyway. After driving the vehicle for less than a week I noticed the suspension was shot and the vehicle was all over XXXX XXXX on highways, the rear differential and bearings are grinding, the wrong size tires are on the vehicle, and the speedometer/odometer are malfunctioning stating that I'm going XXXX faster than I'm actually going creating an odometer fraud. The dealership refuses to repair the issues and the finance company refuses to help me return the vehicle for all the misrepresentation and fraud associated with it. They demand payment and threaten to repossess the vehicle creating damage to my credit profile rather than assist with woth the many issues they paid into when providing me the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting XXXX ( reported in XXXX ) and XXXX XXXX ( charged off XX/XX/XXXX ) as included in a bankruptcy that was discharged in XXXX. I sent over proof to have XXXX removed and they listed things as being included in a bankruptcy that was impossible being that the bankruptcy was discharged in XXXX and I didn't acquire the debt until XXXX. I have attached the same documentation that I sent Equifax ... no where listed on the documentation are these companies listed or I have put a dispute in for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report : XXXX Acct # XXXX... 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of the ability with maximum accuracy. I contacted " Experian, XXXX, and XXXX " asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. Thank you, XXXX XXXX XXXX
Product: Debt collection

I paid my full debt to XXXX I had a late payment once or twice but my balance was paid. Now I have a collection on report from some collections agency Vance and Huffman who never sent me any notice in the mail stating I owe {$490.00} which is NOT accurate. I want this collects removed from my credit reports. I was never given an opportunity from this collection agency to discuss this lie of a debt with them directly nor have they sent me any info with their contact information or an account number it just pops up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I looked into my credit report, I noticed that some of the information was inaccurate. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) mandate that these items be verified by the three credit bureaus ( 1 ). ( A ). It is unacceptable to treat these reporting items as unverified allegations without providing evidence within the prescribed window of time. Sections 611 ( a ) and 609 ( a ) ( 1 ) ( A ) ( 1 ). ( A ) Could you look into the unverified items and remove them from my file right away? 
XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit situation on  XXXX   XXXX  and noticed the dealership I had bought and paid in full a car from showed me as having a balance. I called the dealership and they blamed TransUnion. I then submitted a dispute on the   XXXX   XXXX   site and it showed that Transunion was to investigate ... 30 days later the whole company vanished from my report but that 's not what I wanted! I simply wanted the debt to be corrected since I have the title in my possession and there was no debt. N ow my credit score dr opped  XXXX  points and I have nothing positive to show on my report. I called TransUnion but they were no help telling me there was nothing they could do. Had this been investigated correctly this never would have happened. I am trying to enhance my credit and this really hurt me!
Product: Credit reporting, credit repair services, or other personal consumer reports

according the Fair Credit reporting Act and XXXX accounts : 1. XXXX  XXXX Account # XXXX 2.XXXX  XXXX XXXX Account XXXX XXXX 3. XXXX XXXX XXXX Account # XXXX 4. U.S bankruptcy Court Account # XXXX is in violation of my rights. 

under false pretenses shall be fine under title of 18, imprisioned for not more than 2 years or both. " 15 U.S.C. 1681q See the FCRA specifically provides ( 1 ) the consumer report for a purpose which the consumer report is authorized to be furnished under this section ( 2 ) the purpose is certified in accordance with section 1681e of this title by a protective user of the report through general or specific certification. As a result of you unlawfully obtaining my consumer report without permissible purpose you are liable to me ( 1 ) actual damages or statutory damages up to {$1000.00}, ( 2 ) punitive damages, and ( 3 ) cost of litigation together with attorneys fee. 15 U.S.C. 1681n ( a ).
Product: Vehicle loan or lease

I filed a complaint XX/XX/XXXX however I never spoke with XXXX XXXX I only spoke with XXXX however they repo the car today on XX/XX/XXXX I was asking for my papers on end of contract cause they now have the car back In their possession I have a contract with auto credit not XXXX XXXX however they never tried to negotiate a better contract and my signature was forge I can upload the contract that I had was never signed for auto payments in my policy I still have police report on filed I am requesting my end of contract paper work soon as possible because they were able to retrieve the car back in their possession they breach their own contract I did not because they receive payment beginning of XX/XX/XXXX I have documentation of that also thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 5 months I have been trying to get Method of Verification for Account # XXXX with XXXX Account # XXXX with XXXX XXXX, that states has been validated according to the Credit Bureaus. The dates for the requested information are XX/XX/2020, XX/XX/2020, XX/XX/2020. The only information that I received back is that the account has been updated, remains, or verified as accurate. As a consumer, I feel my rights have been disregarded and I also feel devalued. To me this matter is not being taken seriously. If the debt in fact valid I should have received the method of verification used to verify that this debt belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute this account multiple times. This is not my account. 
In accordance with the Fair Credit Reporting act CAINE & WEINER has violated my rights. 
This account was opened XX/XX/2021 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 I have never received a validation letter. Could you please investigate this account properly.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
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 XXXXXXXX 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, 15 U.S.C. 1681 section 602A states I have the right to privacy, 15 U.S.C. 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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 privacy and confidentiality under 15 USC
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Inaccurate Credit Information - Account Number XXXX Dear Experian Dispute Department, I am writing to formally dispute inaccurate information that is currently being reported on my Experian credit report. The details of the account in question are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off. {$850.00} written off. {$850.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$850.00} Balance Updated : XX/XX/XXXX Credit Limit : {$600.00} Highest Balance : {$850.00} On Record Until : XX/XX/XXXX According to XXXX XXXX Code XXXX, which governs transactions other than under an open end credit plan, creditors are required to provide accurate information regarding the terms of credit extended to consumers. I believe the reporting on this account contains inaccuracies that need to be corrected. 

Inaccuracies Noted : Status of the Account : The account status indicates it was charged off with {$850.00} written off and {$850.00} past due as of XX/XX/XXXX. However, the status was last updated in XX/XX/XXXX, which is inconsistent with the charge-off date and the balance update date. 
Balance Information : The balance is reported as {$850.00} past due as of XX/XX/XXXX, which contradicts the status update of XX/XX/XXXX. 
Reporting Date Discrepancies : There is conflicting information regarding the date the balance was updated and the charge-off status, making it unclear and inaccurate. 
Given these inconsistencies, I am requesting an investigation into this account. Please verify the accuracy of this information with XXXX XXXX XXXXXXXX and update my credit report accordingly. 

Balance : The reported balance of {$850.00} on the XXXX XXXX XXXXXXXX account exceeds the allowed credit limit of {$600.00}, which is inaccurate. This discrepancy significantly impacts my credit utilization ratio, a critical factor in calculating credit scores. An overstated balance not only misrepresents my financial responsibility but also unfairly lowers my XXXX XXXX, further hindering my ability to obtain favorable credit terms. Accurate reporting is essential to reflect my true creditworthiness, and I request that this error be corrected to ensure the proper reflection of my credit utilization. 

Enclosed, you will find copies of my credit report highlighting the erroneous information and any relevant documentation to support my dispute. 

I respectfully request that you complete this investigation and provide me with the results as soon as possible. If the information is indeed inaccurate, please delete this account. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Mortgage

Leopold & Associates, PLLC was listed as the Attorney of Record in a foreclosure case in Supreme Court, XXXX County, NY, Index XXXX. ( They subsequently dropped the case ). Plaintiff in the case is XXXX XXXX XXXX XXXX XXXX ( XXXX ). XXXX, in response to several different issues defendant and Pro Se Attorney XXXX XXXX submitted to the CFPB, replied that they are not the company of interest in this matter. Their then Loan Servicer, XXXX, sent a letter to the CFPB in response to a complaint about this matter, and they said that XXXX never owned defendants account ( debt or mortgage and Note ). If XXXX and XXXX both said that XXXX never owned the account, but is listed as plaintiff in court, and Leopold & Associates was listed as Attorney of Record, WHO HIRED LEOPOLD? That is the question I am asking. Someone is lying.