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

This letter is in response to your recent claim that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and the completeness of the information is hereby requested to be provided within ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated responce or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.
Product: Vehicle loan or lease

this company told me they were getting car out of impound and that they did get the vehicle and two weeks later they said they didn't and the car was sold and they are charging me extra fees and damaging my credit report and the information is false.
Product: Checking or savings account

Truist closed my account without my knowledge and I never received a phone call or email from them about the closing of my account and they received my XXXX payment and are refusing to send the payment back to the social security office so that they can send me my XXXX 's payment
Product: Credit reporting or other personal consumer reports

This is my final communication regarding your claim that the information below has been verified and that the information being reported is accurate. You are clearly furnishing inaccurate information for the " date last active '. I have already informed your company of this error and you have yet to remedy this. In the dispute letter dated XXXX, I asked for proof of the alleged debt, the forward flow agreement, the license to collect debt in the state of Texas, and the 1099c. You failed to provide anything with my signature regarding this alleged debt owed to your company and RENTDEBT AUTOMATED COL re-aged account XXXX. Re-aging is when a debt collector changes the date of last activity on a debt to a more recent date than is accurate. I will include a copy of my credit report to show the inconsistent dates. I have already given you a chance to fix this now I am demanding that the account is deleted from my credit report due to illegal reporting. Disputing a debt is not considered activity on the account. Falsifying account information like this is a violation of the Fair Credit Reporting Act. If this account is not removed within 14 days, I will seek the possibility of hiring a consumer attorney. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FDCPA that any corporation violates the consumer is entitled to actual damages and monetary damages.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Veros Credit Unreasonable Delay in Title Release After Loan Payoff Dear Consumer Financial Protection Bureau XXXX XXXX am filing a complaint against Veros Credit for what I believe to be an unreasonable delay in releasing the title to my vehicle after I fully paid off my auto loan. Veros Credit has not provided a clear or legal justification for withholding my title, causing unnecessary inconvenience and impacting my rights as a vehicle owner. 

Details of the Complaint Lender : Veros Credit Account Number : XXXX Vehicle : XXXX XXXX XXXX Date of Final Payment : XX/XX/XXXX Amount Paid : [ Insert Amount if Known ] On XX/XX/XXXX, I completed the final payment on my auto loan with Veros Credit. Following this payment, Veros Credit issued a settled in full confirmation letter, which I have attached to this complaint. However, when I requested the release of my vehicle title, Veros Credit informed me they would hold it for an additional 180 days without explaining a legitimate reason or citing a lawful basis for this extended delay.

Applicable Law I understand that XXXX  law ( XXXX XXXX XXXX ) requires lienholders to release a lien and provide title documentation within 15 business days after a loan is paid in full. Veros Credit 's 180-day hold appears to violate this law, and their lack of transparency or explanation has raised serious concerns regarding their practices. 

Steps Taken to Resolve I have contacted Veros Credit to inquire about this delay, but their response has not clarified the reason for withholding my title. Given the lack of information and the significant delay, I am seeking assistance from the CFPB to ensure Veros Credit complies with applicable regulations and promptly releases my title.

Desired Resolution I respectfully request that the CFPB assist in compelling Veros Credit to immediately release my vehicles title as required by law. This delay is impacting my ownership rights, and I hope the CFPB can help ensure Veros Credit follows fair practices.

Attachments 1. Copy of Settled in Full letter from Veros Credit dated XX/XX/XXXX. 



Thank you for your attention to this matter. Please feel free to reach out to me at ( XXXX ) XXXX or XXXX for any additional information needed to process my complaint. 

Sincerely, XXXX XXXX
Product: Mortgage

I want to find out why this is like this at XXXX and no other bank, I've asked a teller and they couldn't give any answer. Each month I put money into my checking account with my mortgage company to pay the bill. I used to put a check in, but they would most of the time put a 3-day hold on the check ( excluding weekends, so sometimes 5 days ), and then they would take an extra day to " pay themselves ''. I don't understand the 3-day hold+ delay in paying themselve since they take the money out of my other account within hours the same day. So, I started taking cash from my other bank account and depositing to avoid their holds on my money. But it appears, they still delay applying the payment to my mortgage which is with them. 

For example : I deposited cash on XX/XX/22 and paid the mortgage on XX/XX/22 and this was before noon on XX/XX/22. They did not " send '' my payment to themselves until XX/XX/22. As of today XX/XX/22, the payment still has not been applied to my account, for the payment due XX/XX/22. 

I'm just wanting to know why a bank is doing this. I am paying the same bank that has my mortgage. When I originally set up the mortgage, they told me I had to do the payments through a checking account with them or they would charge me more and that also it would instantly process the payment and avoid issue. However, that is clearly not what has happened. 

Oh, and I am not able to deposit my payment directly into my mortgage account. I have to put it in checking and then pay them and allow them to do this delay. I even use their online banking to make the payment. Why can't I just make a payment directly into the mortgage online? 

No other bank I deal with does this. So I'm just trying to understand why this is allowed..
Product: Credit card

Can not login into their online account payment system to pay bill. 99 % of time can not reach customer service to get help. They are charging me late exorbitant late fees when the problem of reaching them is on their end. Finally reached them and they will not unlock my account and will not quit charging me fees. Charging me {$90.00} plus dollars in late fees for an account I can not access. They are reporting non payment of late fees and interest to an account they are not letting me access.
Product: Vehicle loan or lease

My name is XXXX XXXX, and I am writing to explain the circumstances surrounding the theft of my identity and the resulting legal actions. 

I discovered that my identity had been stolen, and someone has been using my name illegally to open accounts and engage in criminal activity. These actions were conducted without my knowledge or consent and have caused significant damage to my reputation and personal records. 

Due to the severity of this matter, the District Attorney in my city/state reviewed the case and concluded that I was not responsible for the fraudulent activities attributed to my name.
Product: Student loan

XX/XX/XXXX I received a letter from the Borrower 's Defense stating that all XXXX of my loans ( which was all of them listed on the letter ) were forgiven and discharged. Then recently I received a letter which stated that I owed {$8.00} ( Account XXXX Statement date XX/XX/XXXX ) but when I called the Nelnet number on the letter it was saying that I owed a little over {$55.00}. I spoke to a representative and at first she kept saying that there was still a claim on XXXX of the loans but once I gave her the date of the letter from Borrower 's Defense she then stated that they were just probably moving slowly on processing to release those loans because they had received notification that all loans were forgiven/discharged. She also stated that I was owed a refund in the amount of {$2300.00}. She suggested that I call the Borrower Defense and I did and they stated that they don't know what the balance is coming from but it is Nelnet trying to charge me {$120.00} but they can't tell for what loan. I told them that I only had XXXX loans and they were all forgiven so I don't know where that is coming from either. I am consistantly receiving emails, text messages, etc. stating that I owe something but that isn't correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several months, around the middle of the month, my Trans Union and XXXX scores plunge between XXXX and XXXX points with no noticeable changes to warrant such steep drops. Sometimes they are corrected within a few days, however, other times they take more than a month to be corrected. This has been occurring almost every month since it began in XXXX, 2023. I have taken screenshots of the trajectories of these accounts per line- graphs as well as screenshots documenting the erratic behavior of these accounts/reports. 

This is not singularly occurring to my reports. A close friend woke up last month to discover that she was deceased and that all the accounts on her report had been closed and her credit score was " XXXX ''. Many complaints and comments regarding this same behavior have been posted on sites like XXXX and others. XXXX does not seem to have the same instabilities as XXXX and Trans Union regarding this issue. 

I have been denied credit and/or been assessed higher interest rates because of these issues and may decide to seek relief through the Federal Courts if something is not investigated and resolved with the two aforementioned bureaus. 

Thank you in advance for conducting a thorough investigation into this matter.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Account Number : XXXX Delete this account. 




XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX took my autopay later then agreed upon, flagged me for 5 missed payment 's, i have another card with them and 4 years of perfect payment history, they yelled at me when I complained asking them to fix. I have XXXX with of credits on my accounts they won't unlock it. Dates were XXXX XXXX XXXX XXXX XXXX. 
It's paid in full.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXXXXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Checking or savings account

CASE # XXXX In late XX/XX/2021 we had a cyber security breach on our home desktop/laptop. We contacted our bank BBVA within ~ one hour and went to them when they opened the next morning to explain what happened. We closed all accounts at that time and received courtesy checks. Within a month the breach had been resolved, that is, all new accounts for checking, money market ( MM ), credit card, a new modem and even a new desktop computer that had been thoroughly vetted by the XXXX XXXX at XXXX XXXX. At the initial encounter with BBVA after the security breach, we put a hold on our Money Market account allowing money to be deposited but none to be withdrawn. 
On XX/XX/XXXX I tried to transfer money from our Money Market account to checking but was unable. On Friday XX/XX/XXXX I went to BBVA to inquire and the representative stated that our account was on hold at which time and I asked her to remove it but she could not ( I had forgotten to tell BBVA to release the hold ). The BBVA representative also tried to transfer funds from our MM account to checking, but was unable. Additional inquiries were made by the representative who stated that because PNC Bank was now the new owner as of XX/XX/XXXX, the account could not be released. She made additional calls and stated the hold would be released within 24-48 hours. After 6 business days ( XXXX ) I finally received an e-mail from PNC Retail Support which I responded to and on XXXX I called and also sent an e-mail to the PNC rep who sent me an e-mail but there was no response. Another PNC rep told me she sent a message to the rep handling the case, which needed to be further reviewed ; the Branch Mgr. at the PNC branch I do my banking also escalated the incident to PNC to no avail. It has now been 11 business days and after numerous contacts, escalations, and statements that the hold still had to be investigated, nothing has been done. This is totally unacceptable and I am truly livid. I put the hold on the account and I expect that when I request it being released it is done within a very timely fashion and not told there has been no investigation 11 business days later and the hold still on. If this were happening to you and your money I am sure you would be every bit as angry as I am. I don't know what kind of incompetent charlatans PNC hires but their lack of action and incessant escalations is disgraceful.
Product: Money transfer, virtual currency, or money service

I am filing this complaint regarding unauthorized access to my Cash App account and the subsequent failure of Cash App, operated by Block , Inc., to resolve the matter appropriately. 

On XXXX XXXX XXXX XXXX XXXX XXXX, I discovered that my phone number and email address were unlinked from my Cash App account without my authorization. My Cash App username was also changed, and the account was accessed without my consent. The unauthorized party attempted to withdraw funds from my linked card and used my account to purchase Bitcoin. 

I immediately contacted Cash App support to report the unauthorized activity and requested an investigation. After reviewing the matter, Cash App emailed me stating that I would not be able to recover my funds. Unsatisfied with this response, I reopened the investigation, only to receive the same outcome, denying me the return of my stolen funds. 

This situation has been extremely frustrating and financially damaging. Cash Apps failure to safeguard my account and provide a resolution raises serious concerns about their security measures and customer service. I am requesting your assistance in ensuring that Cash App conducts a thorough investigation into this matter and facilitates the return of my stolen funds. Or I will be forced to peruse legal matters and to broadcast this nationwide until it gets recognition, to prevent this from happening to the other millions of people who keeps their money in this app as well. 

Thank you for your attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cash App XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After I saw that there were inaccurate accounts on my credit report, I immediately sent out a document that contained everything regarding this very important matter. I don't know the reason why those inaccurate accounts are reporting as mine, but I do know that these inaccurate accounts does not belong to me.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2024, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting

My name is XXXX XXXX and I am writing to report an error on my report. I have never had a XXXX XXXX Credit Card. I would like assistance removing this information from my credit report, as this account belongs to my sister, XXXX XXXX, now XXXX XXXX. I also wanted this company to take preventative measures, from now on, to secure the separation of my information with any other consumer with similar identification, such as my sister, and my mother, XXXX XXXX, XXXX XXXX, while married. 

Thank you for your assistance in this matter.
Product: Credit reporting

I settled a deb with XXXX XXXX XXXX XXXX XXXX in XXXX 2014. They reported this to the credit reporting agencies. Both Transunion and XXXX do not have updated information on this debt, which should be noted as " legally paid for less than the full amount, settled '' to be fully FCRA compliant, and this should be dated from the time the debt was settled : XXXX 2014. Instead, this shows 'charged off ' and this is showing up as a charge off on successive months on my credit report.
Product: Credit reporting

my recent credit report TransUnion there is a adverse account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ( XXXX ) XXXX account date open XXXX/XXXX/2013, is an individual account, account type : open account ; loan type GOVERMENT GRANT. PAST DUE {$2300.00} ( all this information retrieve from my credit report with TransUnion ) contacted the US TREASURY and talk to a representative name XXXX stating that there is no records of any debt under my name or social security number. contacted TransUnion credit company and they have open a XXXX investigation to get any results.
Product: Credit reporting or other personal consumer reports

In the wake of XXXX XXXX and XXXX  investigations my credit was illegally viewed, especially my my student loan data. By them viewing my data I request that my student loans be forgiven.
Product: Debt collection

There are 3 companies involved : 1 ) XXXX XXXX XXXX, 2 )  ERC ( phone # XXXX ), and 3 ) XXXX. This involves XXXX XXXX XXXX account # XXXX. 

I have previously had my identity stolen, filed a police report, and successfully had several fraudulent XXXX accounts opened at various addresses in the XXXX area expunged. 

XXXX initially contacted me in XX/XX/2017 about an XXXX XXXX XXXX account that was opened in my name, providing service to an address that I have never lived at. I told them it was fraud, gave them a copy of the police report, and sent me a " fraud packet '' which I was to mail back to XXXX XXXX XXXX ( I did ).  Simultenously, I disputed all of the debts with all 3 of  the credit reporting agencies, and all 3 of the XXXX XXXX XXXX debt from my credit history. 

I have never heard back from XXXX XXXX XXXX since then. 

However, today I received a new debt collection letter from " ERC, '' who had the same account assigned to them from XXXX XXXX XXXX. They stated they would re-file the debt with the credit reporting agencies in XXXX, despite me previously having sent my " fraud packet '' to XXXX XXXX XXXX and successfully disputing the account as fraud with the reporting agencies. 

This is getting tiring. Can you please contact the involved parties and make them stop? In addition to these letters, I still get daily debt collection cold calls that haven't gone away since XXXX first contacted me. 

Thank you for your help.