23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern When I bought my vehicle 2017 for {$17000.00}. I verified my income and purchased the car with down payment. I never missed a car payment and I was wrongfully accused of not making my car payment when I had a job my checks were direct deposit and then when I retired I had my pension checks also direct deposited so I would never mis a car payment. They falsified my documents and closed my account so they took my car without any notice or any final warning to pay or loose the car. I was not notified in any way. When I finally got a new car they showed on my credit report I have not missed a car payment. They took the car when they shouldnt have. Please help return my car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a previous complaint against Experian number XXXX regarding their blatant stall tactics and refusal to provide me my full consumer credit FILE disclosure. Experian mailed me a notice with dispute results when I did NOT dispute any information. I demanded my full consumer credit FILE and they keep responding with stall tactics. Experian has ALREADY committed identity theft and defamation of character against me because I NEVER gave them direct or written consent to furnish, report or accept anything on my behalf. Experian remains in violation of my federally protected consumer rights under the FCRA.
Product: Debt collection

I signed a rental agreement from XX/XX/XXXX until XX/XX/XXXX. I had numerous issues with this company from having strange men that supposedly were there to spray for bugs just walk into my home without knocking or announcing themselves. When this happened I requested to have someone contact me from corporate which never happened at this time i made it very clear that I would not be signing another lease. In XXXX I went to the leasing office again explained My current landlord would be sending over a rental verification because I was not renewing the lease and could they fax it back This was on XX/XX/XXXX. My new landlord advised that she never received the verification so I went back to the leasing office gave the young lady that sits by the door the documentation stating I would be out by XX/XX/XXXX. She stated she would resend the verification to my new landlord but of course they did not I had to go back and forth to this leasing office until XX/XX/XXXX and stand in front of the woman that claims to be a manager but is extremely nasty and watch her fax it while I stayed on the phone with my new landlord. AT this time I advised and asked do I need to do anything else with yall to make sure im in good standing with you all. She said I was all set just turn in my key which I did on XX/XX/XXXX. Mind u I moved out on XX/XX/XXXX and also paid the rent that was owed. Maintenance and everyone in that office was aware I was moving. I have copies of documents provided to me by the apartment complex showing where all payments were up to date as well as my current bank statements. I never once signed a new lease and my rent was XXXX and that simply doesn't add up to over XXXX dollars owed to them not when i have proof they were paid out. On top of that I never got my security deposit back either. I was told by others in the building that XXXX XXXX XXXX will just continue billing u each month even when they should not be which is obvious in my case because there was no damage no stains on the floor no holes in the wall or anything just an empty apartment when I turned my key in. I have made several attempts to call them since then and I get no response. I call and call and nothing. Even the collection agency that I realized they used to add this to my credit just sends u to voice-mail. This was the absolute worst experience dealing with these people
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX isn't the proper creditors as of XX/XX/2023, XXXX XXXX has sold the debt of {$1400.00} to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NJ XXXX XXXX REFERENCE # XXXX Account number : XXXX
Product: Debt collection

I have been requesting a payoff letter since the XXXX of XXXX. When I contacted them at the end of XXXX approximately the XXXX, that day was the first they'd heard of my request. As of today I still not have received a response to any of my emails. And no documentation has been received. It shouldnt be this hard to pay an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give these people permission to ran my credit. Ive asked them to remove them and they are still on my credit. What can I do? 
Hard Inquiries XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX   XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, Old ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Mail Order Firms Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks XXXX/XXXX Inquiry : XX/XX/XXXX Bankcard XXXX/XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXX   XXXX  Inquiry : XX/XX/XXXX National Credit Card Cos.

XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX National Credit Card Cos.

Contact the inquirer : MAIL ONLY XXXX  Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX National Credit Card Cos.

XXXX XXXX Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX  ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX   ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX  ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX  ) XXXX   XXXX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Real Estate and Public Accommodations ( XXXX ) XXXX Thank you so much.
Product: Debt collection

This company called me XXXX XXXX XXXX XXXX XXXX stating that I owed money to Citi bank that was in litigation. They had my name and SSN also dates of loan, but had the wrong address. Then then hung up on me right after saying not to worry about it. I called back finally reaching someone then hung up on me again. I believe they are trying to gain validation of information to commit identity thefts.
Product: Checking or savings account

On XX/XX/2023, I logged into my Capital One mobile app and noticed 76 charges to XXXX! I do not have a XXXX account! The charges amounted to over {$5000.00}. 
I called Capital One and disputed the charges. How is it possible that all these charges were under the Bank 's radar so to speak?! There were no alerts and nobody called me to let me know someone has fraudulently charged my account and ordered food at a number of restaurants in California! ( I live in Florida and could not possibly make these charges. ) To this date, my claim has not been resolved and my money returned. The above constitutes a classic example of fraud but Capital One has not taken any responsibility. I called them many times and their representatives can not give me any assurance that I will get my money back.
Product: Mortgage

M & T Mortgage Account ( through XXXX XXXX XXXX XXXX M & T Bank started collecting a property tax escrow, in error, for my parcel number and an unrelated parcel number starting XXXX and, despite several days of phone calls over the last XXXX months trying to rectify the situation, M & T Bank continues to claim the error is being worked on and refuses to correct the substantially higher monthly mortgage payment required which is now 3 days in arrears. M & T Bank also refuses provide their council information or an employee contact for my attorney. 

M & T Bank 's escrow error was noticed after receiving an M & T Escrow Update Letter in the mail XXXX. M & T Bank was contacted shortly after reviewing the actual tax amount on the XXXX XXXX XXXX XXXX XXXX website and after a further review of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have on file. 

My annual taxes are currently {$2000.00} per year for my parcel # My annual insurance is {$1000.00} per year for my parcel # The first PITI payments for mortgage starting XXXX ( before recent escrow adjustment ) were {$3100.00}. The actual mortgage payment due XXXX, with correct escrow adjustment is {$3100.00}, an increase of {$15.00} per month. 

M & T Bank has raised the mortgage payment to {$3300.00}, which includes taxes for a parcel number I am not responsible for, an increase of {$280.00} per month. 

I've been passed around from XXXX department to the next and to no avail, M & T Bank is not fixing the problem and I'm not only at risk of going into default but ruining my credit if the inflated payment is not made to M & T Bank. 

This is extortion and reason for contacting the Consumer Financial Protection Bureau. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three reporting credit agencies are incorrectly reporting my XXXX  SCORES! 
I have been of Identity Theft, the Equifax XXXX, XXXX XXXX, XXXX XXXX XXXX, Department of Defense, Military Hospitals, Scams, department stores, lies about credit inquiries, lies about my debt ratio, lies about large balances, etc. THESE REPORTS ARE NEGATIVELY AFFECTED ME TO GAIN HOUSING WITH THE ADVERSE ERRONEOUS DATA. I AM GRAVELY IMPACTED. EQUIFAX DID NOT PROVIDE CREDIT RESTORATION OR CREDIT MONITORING FOR MY CHOICE IN THE SETTLEMENT. Please help me to restore my CREDIT WORTHINESS FOR WHICH I WORKED MY LIFE TIME. Thank you.
Product: Debt collection

Yesterday we noted in our bank account, from XXXX, that a hold was placed on my savings account for {$510.00} and another hold for {$100.00}. I contacted our bank, XXXX, who informed me that United Collection Bureau placed the hold and that XXXX had no authority to assist. I contacted United Collection Bureau who informed me that they have no obligation to comply with the FDCPCA and do not have to notify me of a debt before placing a bank levy. The debt is from XXXX according to United. I was not married in XXXX and divorced as of XX/XX/XXXX. 

The state of XXXX  has a tenants by entirety law and the account United Collection Bureau has a hold on is a savings accounts owned by my current husband and myself. The XXXX  Supreme Court has ruled such funds are not eligible for debt collection. United Collection Bureau informed me that they are not obligated to the laws of XXXX. I have been a XXXX  resident since XXXX. Florida statute XXXX discusses banking laws. The account United placed a hold on is funds for a scholarship for my XXXX XXXX. I earned a scholarship from my employer. United did not notify me of the debt or give me any opportunity to pay debt before placing a bank levy on my account. United claims the debt is to the State of XXXX. I have never been notified of said debt by anyone and it is fair to allow me to research said debt, potentially dispute, before placing a bank levy on scholarship funds.
Product: Mortgage

I need someone to take a look at how Nationstar Mortgage Company is handling my mortgage loan. I am on a fixed interest of 6.555 since XX/XX/2017. Lately, Nationstar has been charging fees that I do n't understand. I am trying to speed up my pay off by doubling the monthly payment, by the unforeseen fees are not helping.
Product: Mortgage

I applied for a refinance loan with AmeriSave Mortgage. The appraisal came in to low which would have resulted in the need to close my HELOC. I cancelled the loan. AmeriSave has n't refunded the appraisal fee yet.
Product: Debt collection

Ive received a letter from Alliance global claiming that I owed XXXX on my XXXX account bill. However, this bill was paid. I have contacted XXXX  multiple times by phone and they have confirmed and I also have screenshots of my payment and confirmation that I have attached below.
Product: Checking or savings account

Transaction disputes were submitted on the website of bank on XX/XX/2020. The total amount of disputes is {$4900.00}. I have spoken to several representatives regarding on my account including the debit card dispute department after realizing that I was scammed. Bank was provided with email chain which includes all the details of the scam. Bank denial the full dispute after knowing the fact that it was a scam.
Product: Student loan

I was attending XXXX for a few month then had to withdraw from the program. I went through a messy divorce and moved out of state. I have been stuck trying to get this loan discharged for years but no one will listen to me or review my case. I have sent in all required paperwork including an application for discharge to Navient but they denied it. The school did not report that I withdrew and so I was stuck with the whole loan. I didn't receive any of the money as it went directly to the school. The school should have returned the portion that was not used. I am not sure how else to proceed with this except to file a lawsuit against the school or Navient. I have sent in another application with a letter explaining the situation to Navient but I am almost certain I will have the same outcome. Again, I withdrew from the program and should not have to pay the entire student loan debt back as I didn't complete my degree. I am struggling to pay this back and have basically been getting a forbearance every year since.
Product: Credit reporting or other personal consumer reports

I got a30 day late reporting to the credit bureaus. I was never contacted by XXXX XXXX ever about this late payment. My credit history has always been impeccable and I have never had a 30 day late. When I spoke to a supervisor after I notice my credit report she said she could not reverse the action. When I asked why I was never contacted she had no answer. Since that event I enrolled in auto pay so this will never happen again.
Product: Credit reporting or other personal consumer reports

I am writing to request your assistance as a victim of a severe form of XXXX  in persons, as defined under 22 U.S.C. 7102 ( 11 ), or XXXX  XXXX  under 22 U.S.C. 7102 ( 12 ). This situation makes me eligible for certain adverse credit information to be blocked according to 12 C.F.R. 1022.142.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXXXXXX XXXX XXXX XXXXXXXX ] [ XXXX, TX XXXX ] Experian Dispute Department XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Intent to Sue for Violation of the Fair Credit Reporting Act ( FCRA ) Unauthorized Reinsertion of Removed Account Dear Experian, I am writing to formally notify you of my intent to take legal action against Experian for the unlawful reinsertion of an account that was previously removed from my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 
In [ XX/XX/year> ], I successfully disputed [ XXXX  XXXX XXXX ] with your company, and it was removed from my credit report as a result of that dispute. However, despite this, the account was reinserted into my credit report on or around [ XX/XX/year> ], without following the mandatory procedures set forth in the FCRA.

Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), when an account is reinserted after removal, Experian is required to : Notify me in writing within five business days of the reinsertion, including the name of the furnisher of information and any relevant contact details.

Certify that the furnisher of information verified the account 's accuracy before reinserting it.

As of todays date, I have not received any notification or written certification from Experian regarding the reinsertion of this account. This lack of communication constitutes a serious violation of the FCRA.

Given these violations, I am entitled to seek the following remedies under 15 U.S.C. 1681n and 1681o : Actual damages, including any harm caused to my credit rating, the emotional distress of dealing with this error, and any financial losses.

Statutory damages of up to {$1000.00} per violation.

Punitive damages as determined by the court.

Attorneys fees and costs incurred in the enforcement of my rights.

I demand that Experian immediately : Remove the reinserted account from my credit report.

Provide a full explanation and verification of the account 's reappearance.

Confirm in writing within XXXX  days that this account has been permanently deleted from my report.

If Experian fails to take the above corrective actions and provide the necessary information within XXXX  days from the receipt of this letter, I will have no alternative but to file a lawsuit against Experian in federal court to enforce my rights under the FCRA.

Please consider this letter as my formal warning and a pre-litigation opportunity to resolve this matter. I am prepared to pursue all legal remedies available to me under the FCRA if this issue is not promptly corrected. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding the Credit Reporting Agencys violations of the Fair Credit Reporting Act ( FCRA ) related to inaccurate information and lack of proper notification on my credit report. These actions have impacted my credit score, causing a significant decrease, without prior notification or sufficient updates during an active dispute. 

Background : 1. Inaccurate Reporting ( FCRA Section 623 ( a ) ) : The credit reporting agency and furnisher added remarks to my report that caused a substantial drop in my credit score, without verifying accuracy. These changes were made without informing me, in violation of the FCRAs requirement to report only accurate information.

2. Lack of Notification and Timely Updates on Dispute Status ( FCRA Sections 611 ( a ) and 623 ( b ) ) : Despite having an active dispute regarding the specific account in which remarks have been added and changed, I have not received timely updates on the investigation status. FCRA Section 623 ( b ) requires that furnishers investigate disputes promptly and notify me of any updates or changes made as a result. Through a third party company, I have learned that My credit reported has been updated on XXXX XXXX XXXX XXXX XXXX and XXXX XXXX I have not received any notifications from the Credit Reporting Agency regarding this dispute.

3. Ongoing Harm : This lack of transparency and accuracy has caused financial harm, affecting my creditworthiness and overall financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX AND XX/XX/XXXX I DISPUTED SEVERAL ITEMS WITH EXPERIAN. THEY NEVER INVESTIGED MY DISPUTED
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX
Product: Mortgage

I contacted Amerisave Mortgage ( XXXX # XXXX or about XX/XX/2021. I was assigned a loan XXXX named XXXX XXXX ( XXXX # XXXX ). After reviewing the loan docs, I had become suspicious of the amount of fees being charged on the loan. So I applied elsewhere. The second lender was almos {$8000.00} less in fees. I then asked XXXX if he could match or beat the new quote, and he said he could. He uploaded new disclosures in my portal for me to esign, matching the rate of the new quote but still showing {$6000.00} more in fees, expecting I would not to notice. When I approached XXXX on this, he called me, became defensive, and started backpeddeling, saying that I needed to sign the docs, then he'd get me a match on the fees. That certainly didn't feel right. He then said " he'd have to talk to his manager for approval ''. When I asked to speak to his manager, he replied " look up my NMLS number! I don't need your business, I'll just cancel your loan! ". I assume he was trying to strong arm me into signing, which I did not. I can only imagine what he's done, and continues to do to other trusting borrrowers.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. s not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. 
XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$380000.00}