23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

To Whom It May Concern, I XXXX XXXX is submitting this complaint on my behalf against Title Max Corporation on  this XXXX day of XX/XX/XXXX. As a consumer, I am requesting for Title Max to send and release my original XXXX XXXX XXXX Car Title Acct # XXXX back to me for the second time because the first request was to Title Max website via email at : XXXX on XX/XX/XXXX. I notice that my original Acct # XXXX located at Title Max XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX, Texas XXXX ; was changed to Acct # XXXX ; by a Title Max XXXX XXXX XXXX XXXX, XXXX Texas.XXXX ; without my knowledge. Now be mindful, that Title Max Corporation Headquarters and Title Max located in XXXX, Texas were both notified of my U.S.C. Chapter XXXX Bankruptcy by the XXXX, Texas Federal Courts. Please see ( PDF ) to Title Max Corporation and Title Max XXXX, Texas XXXX ; requesting my Car Title back after my Chapter XXXX Bankruptcy was discharged. Title Max is in violation of selling and trading consumer information through Third Party transaction and violating Federal Bankruptcy Order 11 U.S.C 727 ; which was granted to XXXX XXXX on XX/XX/XXXX. In XX/XX/XXXX, I was harassed by XXXX XXXX and other Third Party Debt collectors and was forced to file for Federal Chapter XXXX Bankruptcy as a XXXX consumer ; in XX/XX/XXXX due to aggressive collection acts. Title Max has ignore the discharge order as of today ; and are violating Federal laws under section 524 of Title 11 of the United States Codes ; known as A Bankruptcy Discharged Violation. We both know that an injunction states that no one can take any action against a consumer regarding a discharged debt that has been exempt or granted under the United States Chapter XXXX Bankruptcy Order. The reason for this complaint is because Title Max is still trying to repossess my car by having Title Max employee following me ; however I have my car in my possession ; my car is exempt. Title Max and all creditors were notified by Untied States Government Chapter XXXX Bankruptcy of my Chapter XXXX Discharged. ( CFPB ) Effective Date : This regulation is effective XX/XX/XXXX. Compliance Date : Sections 1041.2 through 1041.10, 1041.12, and 1041.13 have  a compliance date of XX/XX/XXXX ; The rule identifies it as an unfair and abusive practice ; and the proposal was published in the Federal Register on XX/XX/XXXX. I want all three company 's investigated of foul trading practices ; Title Max located at XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX, Texas XXXX ; Title Max XXXX XXXX XXXX XXXX, XXXX XXXX and Title Max Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA.XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! 

I am not happy with Transunion. I sent a letter to open an investigation back in XXXX of 2022. Transunion then sent a letter back with results that said " updated '' along with a credit report.This means that they started and completed the investigation. I know the information is reporting inaccurately and I also know my rights. So I followed up with a letter requesting their method of verification, asking them to properly state HOW they verified this information. 

They then responded with a letter stating that they didn't believe I was the individual to send in the letter. 

My question is, if Transunion didn't believe that I sent the letter, then why did they start the initial investigation? They believed it was me the first time so what changed? I know my rights. I have the right to request an investigation and ask HOW they came to verify the information. 

I have attached several documents for reference. 

I also have reason to believe that they are reporting this information innacuratly on my credit report which is also an issue. 

I demand to know how Transunion verified this information well enough to " update ''. If not, I demand that this information be deleted from my credit report. I have given them ample time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reports show open account when recent chapter XXXX should close all accounts. 
All education accounts should show IN GOOD STANDING.
Product: Vehicle loan or lease

I have purchased a used car and have been making double payments, and all of the money have been applied to finance charge only and not my priciple for almost a year. 
Ally claims that I have been making payments late which is a false statement. I had my due date moved due to financial reasons. Attached to this complaint are the receipts that I have been making payments and the amount {$14000.00} over a year and the amount is the same. This is a predatory car loan.
Product: Debt collection

Derogatory impact on my credit score. Harassing by telephone to myself, friends, and family impersonating law enforcement. They placed a charge off on my credit in the amount of over {$19000.00}. I do not owe this amount and have never been issued or granted this amount of money. XXXX needs to remove this false information from my credit history immediately.
Product: Debt collection

Subject : Debt Validation Request Account Number : I am writing to formally request validation of the debt you claim I owe, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge this debt, and before I take any further action, I require the following information : 1. **Proof that you have the legal right to collect this debt** ( either the original signed contract or other valid documentation ).

2. **Details of the original creditor** ( including the name and address of the original creditor and the account number with the original creditor ).

3. **A detailed explanation of how the amount you claim is owed was calculated**, including fees, interest, or any other charges added to the principal.

4. **Documentation that shows the debt is within the statute of limitations** for collection in my state.

5. **Proof that I owe the debt** to your organization or that you have been assigned the right to collect this debt.

6. **A copy of the purchase agreement or assignment agreement** that transfers the debt from the original creditor to your agency, demonstrating that you are legally authorized to collect on this debt. 

Please treat this letter as a dispute of the debt, and cease all collection activities, including reporting this debt to any credit bureaus, until proper validation is provided. 

I expect to receive these documents within 30 days of receipt of this letter. Should you fail to provide this information, I will consider the debt invalid and will expect you to cease all collection activities and remove any information related to this debt from my credit reports. 

Thank you for your attention to this matter.
Product: Credit card

Dear CFPB, I am writing to file a complaint against XXXX and Capital One regarding a purchase I made through the XXXX platform. The product I received was faulty, and despite the advertised assurance money-back guarantee, I have only received an offer of {$300.00} from XXXX to resolve this issue, which I never received and is not satisfactory. 

The prices for products from this company fluctuate greatly ( see attached for details of the products that were sent ). I opened XXXX and tried to use it ; it is of terrible quality, with a pin that came out of the casing, making the attachment unusable. It is smaller than any steam mop I have seen, hard to use, and comes disassembled with no instructions. I wanted to return it, but they would not accept the return. Additionally, I was charged {$600.00} for shipping on these products. I hold XXXX responsible for the actions of their suppliers and would not have purchased if they had not posted the guarantee, which they have failed to honor. 

Order Details : Date of Purchase : XX/XX/year> Date Received : XX/XX/year> Return/Refund Requested : XX/XX/year> Capital One Dispute Initiated : XX/XX/year> Capital One Order REF : XXXX Purchase Amount : {$920.00} Refund Offered : {$300.00} Issue Description : I ordered what was advertised as a high-quality product. However, the goods received were a shoddy version of what was promised. This constitutes a breach of trust, as the supplier switched the product or misrepresented it. 

Protections Offered by XXXX : Delivery assurances : Expected delivery dates were not met. 
Secure payments : I made my payment under the premise that it would be protected. 
Easy return/refund policy : I followed the protocols, but my claim was inadequately addressed. 
I have disputed the charge on my Capital One credit card and submitted all required documentation, but I was never provided with a receipt. Capital One continues to send me the same request over and over, and they have refused to assist me with the charge, citing the manufacturers refusal to accept the return of the defective products. 

I have been in communication with both XXXX and Capital One for months since receiving the products in XXXX regarding this matter, and I believe their lack of support and false advertising is harmful to consumers. I am requesting that the CFPB take action to address these issues and flag both companies for their failure to honor consumer protections. 

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

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a fraudulent account on my credit report, which is currently being reported by Experian. Despite my earlier submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), as per your protocol, this account remains on my Experian credit report. I am perplexed as to why this fraudulent account continues to be reported by Experian despite being removed by the other credit bureaus. I have fulfilled all necessary requirements and provided all relevant documentation to support my claim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX-
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attachments you have 18 days to respond Ive reached out on several different dates with certified mail which is a contract in itself to have these inquiries I do not recognize removed
Product: Credit reporting or other personal consumer reports

I appreciate the time you have taken to address the removal of fraudulent items in my file resulting from an alleged identity theft. However, there are still remaining items that require removal. I have been made aware that XXXX is not taking action despite the submission of an FTC fraud report # XXXX. This marks my third complaint as a victim of identity theft, disputing items in my file associated with the crime. The disputed items are unrelated to any authorized transactions for goods, services, or money. Kindly remove the reporting of these items from my credit file. I have included my new FTC report with reference # XXXX. The list of items to be removed is as follows : XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX  XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX A XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

As I pulled my credit reports I noticed a line item from NCC Business Scv for {$13.00}, XXXX as of XXXX/XXXX/XXXX on behalf of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX was an apartment complex that my daughter and I jointly signed a lease to rent an apartment from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. We ended the lease sooner then the signed lease agreement which we gave notice on XXXX/XXXX/XXXX to move out on XXXX/XXXX/XXXX. The lease break clause in our lease agreement states that we are responsible for {$3000.00} lease break fee and the last 30 days of the Resident 's occupancy of the premises. ( see attached lease ) They are charging us the cost of not renting the apt from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. They also are charging us for the Decon of the slab under the carpet of {$140.00}. ( the entire complex is infested with HUGE cockroaches ) I mentioned this in my letter to vacate. My daughter called the XXXX XXXX on XXXX/XXXX/XXXX at XXXX PT, which owns XXXX XXXX and they told her the XXXX XXXX was rented out in XXXX and the employee would email a new statement removing everything but the XXXX rent charges from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX, by Wednesday, XXXX/XXXX/XXXX. My daughter called back on XXXX/XXXX/XXXX and got a different employee and they said your account is with a collection agency and you need to call them. I called the collection agency and they told me that I needed to email them my dispute and attach any relevant documentation along with giving them permission to correspond via email. I sent NCC Business Scv an email ( see attachment ) on XXXX/XXXX/XXXX at XXXX PT with the reason for dispute of the charges of any rent past XXXX XXXX and the decon charges along with all of the attachments, ( final account statement ( which I never rcv 'd until I requested from them ) and the signed lease agreement. Total disputing is {$12000.00} ( rent ) plus {$140.00} ( decon ) leaving the total due of {$3200.00} plus # XXXX lease break fee minus my deposit of {$2000.00} equals {$4100.00} due. 
I called the NCC business scv today, XXXX/XXXX/XXXX at XXXX PT and spoke to a gentleman that I could not understand his name. He told me that it would be 10 business days before anyone could confirm receipt of my email and another 30 days to reach out the the apartment complex. I asked if he could send me those timelines in an email and he refused. I would like to pay what is fairly due according to my lease agreement of {$4100.00} and would like this removed for all XXXX credit reporting agencies for both myself and my daughter.. Please let me know if you need any additional information. The collection agency 's contact info is NCC Business Services XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX, XXXXXXXXXXXX. The debt was reported by XXXX XXXX XXXX owned by the XXXX XXXX at XXXX. 

Thank you for your consideration.
Product: Checking or savings account

I had my federal taxes come into my account on XXXX XXXX  2023 I been buying the things that I needed for my apartment I noticed my card stopped working when I try to make a purchase on XXXX so I first called citibank at XXXX they open the account for me but then later at XXXX I was at XXXX trying to pay off my phone my card started to decline again so I called again they told me that they fixed it but it was still declining so I told them that I would go into the branch to pull money out which I did I took out {$3400.00} and left {$2700.00} in my account but then I try to log into my account but couldn't so I called to fix out why not and I was told they closed my account but couldn't tell me why not to mention I only got one email about fraud from them
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Checking or savings account

I opened an account with Marcus Bank, so far so good. I made deposits from XXXX XXXX XXXX XXXXXXXX account to Marcus as normal, I made XXXX deposits and it worked as normal. When I needed to withdraw some of MY MONEY, I discovered that my account was flagged. I have called Marcus Bank countless times and can't get a resolution. I need my money and it's stuck at Marcus and I can't do anything with my OWN money. It was easy to get my money, but now I can't get it back. I would like a solution.
Product: Credit reporting or other personal consumer reports

This is my several 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to initiate a credit freeze with Equifax on behalf of my XXXX XXXX son. I mailed the requisite request form, photocopies of identifying documents, and a cover letter stating my request for a credit freeze to the Equifax XXXX XXXX XXXX in XXXX, GA in late XXXX XX/XX/XXXX. I never heard back, and was told by Equifax employee # XXXX in early XX/XX/XXXX that the credit freeze request had never been received. I sent a second request with the requisite forms, identifying documents, and cover letter to the same address in early XX/XX/XXXX. I received a letter back from Equifax, dated XXXX XX/XX/XXXX, that said they were unable to process my request because they needed additional information. However, the letter did not clarify whose information they needed ( myself or my son ), and I followed Equifax instructions in my initial request by sending copies of all requisite identification forms. I called Equifax to get clarification on XXXX XXXX, and Equifax employee # XXXX told me that Equifax did not have any documentation from my earlier requests. This claim is contradicted by the XXXX XX/XX/XXXX letter I received from Equifax saying they had received my request. I asked to speak with a supervisor but was told that none were available. Employee # XXXX said she had created escalation ticket XXXX and suggested I fax the forms to XXXX instead of mailing them. I do not have a fax machine. I still wish to place a credit freeze on my XXXX XXXX XXXX son 's file, and do not know what else I can do. 

I successfully initiated credit freezes for my son with XXXX and XXXX on the first attempts.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on 3 Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act XXXX XXXX ( a ) you are require to remove/block any items which 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, XXXX, I ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Debt collection

Waypoint Resources Group appeared on my credit reports back in XXXX of 2023 for an outstanding XXXX bill. Upon contacting XXXX, they could not locate or provide any information for an outstanding account, and only showed my current, up to date account which is not past due or delinquent. XXXX reached out to XXXX Resources to attempt to clear up the matter but has been unsuccessful in doing so. I've tried to dispute the collection with the credit bureaus with no success, as they are using something to validate this debt that XXXX can't even locate in their systems. In fact, they don't even have my name or phone numbers associated with any other accounts other than my current and active account.
Product: Credit card or prepaid card

I have received a new XXXX XXXX credit card from Bank of America. I have never activated or used this card, but the bank immediately charged the yearly fees on the account. As I was not aware of it I did not pay any payment on the account as I expected the balance to be XXXX. Couple months later I was notified by my Credit Tracker application that Bank of America reported this account as 30 days past due. This caused my credit score to drop almost 100 points. I immediately called the bank, paid the total balance and closed the account. But they refused to withdraw the credit report derogatory information.
Product: Debt or credit management

Violations of The Fair Debt Collection Practice Act and There is abundant evidence of the use of abusive, deceptive and unfair practices. 15 US Code Section 1692 D XXXX XXXX XXXX ( 4 ) the advertisement for sale of any debt to coerce payment of the debt, And false and Misleading misrepresentation
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of ther recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. they informed me that recovering lost funds was impossible and that tracking these transaction was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. this lack of unacceptable and raises serious concerns about consumer safety.