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

I have not received my XXXX title from Regions Bank. 
XXXX Paid of XXXX XXXX XXXX XXXX Called Regions XXXX number- was told title was released XXXX. If I did not receive by XXXX to call back. 
XXXX Called XXXX Regions XXXX number- was told it didnt show a mailed date. If not received by XXXX to call back. 
XXXX Received a copy of loan agreement. 
XXXX Called Regions XXXX number- was told title was sent. 
XXXX Went to Regions office in XXXX XXXX spoke with XXXX XXXX XXXX She release the lien, the computer did not show it released. XXXX told me I would have the title the next week. 
XXXX Received the release of lien in the mail with a letter stating I can go get a duplicate title. 
XXXX Called XXXX. She said the title would be mailed shortly after the release of lien. 
XXXX Called XXXX. She said she would check on title. I told her to get it and I would come by Regions and pick it up. 
XXXX Left message for XXXX to call me. 
XXXX Left message for XXXX to call me. 
XXXX Talked with XXXX. She is checking to see why Regions says the title was released XXXX yet she released it on XXXX. I told her I didnt want to have to pay for a title when I never got the first one. She said she would speak with her branch manager. 

Each time I spoke with someone from Regions they verified my address.
Product: Checking or savings account

Today I attempted to withdraw some of my money from my Goldman Sachs account. My attempt was to return the money to the same banking institution, XXXXXXXX XXXX XXXX XXXXXXXX, Indiana, which was the source of where these funds originated from earlier this calendar year. My online attempts using the website portal appeared to go through as normal. However, when contacting the bank on a separate matter, I am now being told that my account is locked? The rationale was to verify a deposit made in XXXX of this year? I do not believe any attempts were made to reach me with respect to activity which happened six months ago. I have received no emails. I have received no phone calls. I have been able to successfully deposit more money into my Goldman Sachs account since XXXX without issue. Ironically, the day in which I attempt to withdraw money, I am now being told this. My money is effectively being held hostage. I simply want the money in my account to be withdrawn in its entirety and returned to me. If this can not be done electronically, I will accept a paper check, mailed to me using US mail to my address on file : XXXX XXXX XXXX XXXX, XXXX, IN XXXX.
Product: Credit card or prepaid card

I purchased a ring from XXXX XXXX using XXXX XXXX Credit Card ( by Comenity LLC ). At the time of purchase ( XXXX 2016 ), the promotion was misleading as it described as if there would no interest payment for the 12 months. Instead, the promotion was actually deferring 12-month worth of interest payment on the initial amount, which is applied when full payment is not made by end of the 12-month period. In my case, I had already paid off about half of {$4400.00} of the intial amount by the 12-month period, but was charged with about {$1000.00} ( which XXXX XXXX credit card company had calculated with the prinicipal amount ) at the end of the promotion period. I was not aware of the deferred payment, nor do I belive that calculating 12-month interest payment on the intial prinicipal amount is fair. The monthly statement does not indicate anything about the deffered payments until the very end of the statement. Also I was not notified via separate email to warn me about the end of the promotion and changes it will make to the account other than a small section in the statement of the month the promotion ends ( which can be easily missed ). The misleading promotion, lack of customer service in terms of notifiying incoming charges, hard to find information on deferred interest payment on monthly statements, and calculation of 12 month interest on the intial principal amount make me believe that XXXX XXXX Credit Card wants the customers to pay larger amount of interest than they would have if they had no promotion at all.
Product: Credit card or prepaid card

XXXX continues to apply unauthorized charges to my CapitalOne ctedit card. 
Contacted them several times : last contact was XX/XX/XXXX - I was told automatic billing error : ref # XXXX - informed me to change my credit card - stated they could not stop charges. 

Disputed charges to CapitalOne XXXX credit card multiple times from XX/XX/2021 - XX/XX/2021. 
CapitalOne filed fraudlent charges and I had to change my card number two times and working on three. case # XXXX XXXX XXXX XXXX - charges were to be blocked without any success.
Product: Credit card or prepaid card

Someone else tried to open a Chase Credit card in my name. I first received an e-mail saying that I had been approved for a Chase card, then a second email saying that I had enrolled in paperless billing, and then a third e-mail saying my username and password had been changed. I did not open account, and Chase allowed someone to use my personal information fraudulently to open an account.
Product: Debt collection

XX/XX/XXXX To Whom It May Concern : On XX/XX/XXXX while making a purchase at XXXX XXXX, I was given a receipt demonstrating that XXXX was providing services for $ XXXX/month. When I called to inquire the legitimacy of the amount for service, I was verbally told over the phone that yes service was {$19.00}. XXXX asked for my information including my social security and came to install their equipment the same week. 

The following month, I received a bill for {$56.00}, so I called and canceled because as a XXXX  I could not managed {$56.00} and plus they told me it was {$19.00}. So in view of their trickery and deceit, I canceled their service. Three month later, XXXX reported my name for owing them an amount of XXXX for early cancelation fee. First of all, I never signed a contract with XXXX so I was totally unaware of the terms of their service. So when I called to inform them that I was unaware of their terms and requested the contract, they forwarded the attachment document in ( EXIBIT A ). As soon as I receive the document, I realized that someone had forged my signature in their contract which I was seeing for the very first time. I do not sign that gibberish language on their contract. I always sign my name in cursive as you may see in my XXXX Lease Document ( EXHIBIT B ). Since then, I have gotten married but my signature style has not changed. I still sign my name the same way, simply in cursive writing. Please see ( EXHIBIT C / D ). 

In addition to forging my name, on XX/XX/XXXX ( 3 years from the date I last received service ). XXXX sold the debt to XXXX XXXX a new debt on my credit report. 

Please see attached : XXXX Contract with fraudulent signatures Apartment Lease with my Original Signature Drivers Liscence Signature / Social Security Signature Police Report of fraudulent signatures Than you in advance for investigating this matter.
Product: Credit reporting or other personal consumer reports

Experian has not met its legal duty under the Fair Credit Reporting Act ( FCRA ) to reasonably reinvestigate disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, citing systemic issues like not forwarding consumer-provided evidence to furnishers, accepting unreliable responses, and failing to properly notify consumers of dispute outcomes. These issues mirror my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Approx XX/XX/XXXX, I received emails with denials for an application of credit for a vehicle or refinancing a vehicle. One after another they kept coming. I had not applied for credit, so this throw a red flag. Then I start receiving letters for the denial seeing my credit score falls below XXXX based on these inquiries and denials. So, I called XXXX first, they told me they had an credit application for financing or refinancing, whoever they informed me that they received my information from XXXX XXXX XXXX, not knowing why when I have never given them either permission to nor have I applied for anything dealing with a vehicle or refinancing. Both companies pushed the blame on each other and then finally said they received the information from XXXX XXXX, which I never gave them either permission or authorization to run or share my credit information and adverse effect my credit score. XXXX XXXX was not willing to provide me any information on how they received my approval to run my credit and why it was shared with XXXX, XXXX XXXX XXXX XXXX XXXX without my knowledge. I spoke with a Rep at XXXX XXXX, who was passing on my request or email with the application of this alleged credit application, she said her supervisor 's name was XXXX was going to be the one to provide a email with that requested proof of an application as of XX/XX/XXXX XXXX I still have not received anything from XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX giving them approval to access my credit file. They all seem to point to finger at XXXX XXXX who I never gave permission to access my personal information and if so please provide that proof, this is a pure sign of fraud and I would like ALL credit inquiries from each of the companies that illegally obtain my credit information to be REMOVED from ALL three credit reporting agencies.
Product: Mortgage

My loan was transferred to RoundPoint Mortgage Servicing on XXXX 2023. I signed up for autopay using my bank checking account. RoundPoint payment system was supposed to deduct ( via autopay ) my mortgage ( {$540.00} ) on XX/XX/XXXX. Instead, the computer system indicated my mortgage was due XX/XX/XXXX and the payment due XX/XX/XXXX. If this is the case, my mortgage would be late. I tried to turn off auto pay. there is no way to do so. I " scheduled '' a payment ( apparently their computer system does not automatically deduct payments ) at XXXX AM XX/XX/2023 when I realized my mortgage payment was not paid. 

There is no way to contact anyone during working hours. I have tried everything in the past. I require a human with RoundPoint computer expertise to contact me by telephone to help me navigate their online payment program. Screen shots attached ( I've learned the hard way to always take screen shots ).
Product: Mortgage

On XX/XX/2023 we had a frozen pipe burst causing damage to our home. Filed a claim with XXXX XXXX. They were very slow in their response but by the end of XXXX the water and asbestos restoration were complete and billed. XXXX XXXX  XXXX of XXXX, CO is owed {$44000.00} and The XXXX XXXX is owed {$27000.00} of XXXX, CO. 
Fast forward a few months and XXXX XXXX is holding funds intended to pay the restoration companies and will not release them for payment. I have a lien on my home from the companies. All documentation XXXX XXXX has requested has been submitted. I call on a weekly basis and am told the same information ... " an exception has been submitted to release funds '' or " a request has been made to release funds ''. I get no where. I need help. Someone to get their attention and do something.
Product: Payday loan, title loan, or personal loan

I KEPT RECEIVING LETTERS FROM THIS COMPANY BY POSTAL MAIL.,, IN THE SUMMER MONTHS AN INTO THE FALL .. SO IN XXXX I HAD A REALLY BAD BASEMENT ISSUE WITH FLOODING AN NEEDED SOME CASH TO FIX THE PROBLEM .. SO I KEPT GETTING LETTER SAYING I WAS PRE -APPROVED FOR XXXX SO I APPLIED ON LINE THEN SOME ONE CALLED ME IN READING THE TERMS I FOUND THAT I ONLY BORROWED XXXX BUT AFTER THE MONEY WAS DEPOSITED INTO MY BANK ACCOUNT I PRINTED OUT ALL THE LOAN INFORMATION AN FOUND THAT THEY WANT ME TO PAY XXXX A MONTH UNTIL XXXX XXXX SO I PAID THE FIRST XXXX IN XXXX XXXX XXXX SO I LOOKED I SAW THEY WANTED THIS AMOUNT EVERY MONTH UNTIL XXXX XXXX SO IN XXXX I CALLED THEM TO ASK COULD I LOWER MY PAYMENT I AM XXXX AN XXXX AN I WANTED TO STOP THE AUTO PAYMENT AN THAT I WAS ON A FIXED INCOME AN HAD NO IDEA I WOULD BE PAYING BACK XXXX AN I I GOT WAS XXXX SO I TRIED TO GET THE PAYMENT DATE CHANGED AN PAYMENTS LOWERED I JUST SENT THEM XXXX AN THEY CHARGED MY BANK A INTERNATIONAL FEE OF XXXX FOR PAYING MY BILL NEVER TOLD ME THAT I WAS OVER DRAFTED WITH MY BANK SO I TOLD THEM I WAS FILING A COMPLAINT WITH ALL THE AGENCIES IN MICHIGAN IN MY STATE THIS IS CRIMINAL,. WHEN I ONLY GOT XXXX AN WAS PREPARE TO PAY 3 OR 4 PAYMENTS OF THE XXXX TO GIVE THEM BACK THERE XXXX THEY TOLD ME I COULD NOT GET THE PAYMENT LOWERED I WOULD HAVE TO PAY THE WHOLE LOAN BACK OF XXXX WHEN I ONLY GOT XXXX OR I HAVE TO PAY UNTIL XXXX XXXX XXXX THIS IS CRIMINAL AN UNFAIR LEADING PRACTICES AN THEY DONT TELL U THE ARE NOT IN THIS COUNTRY, ,THEY ARE CHARGING U ANOTHER FEE JUST TO PAY UR BILL WITH THEM.. A INTERNATIONAL FEE..OVER XXXX I WAS CHARGE THE XXXX I PAID THEM AN A INTERNATIONAL FEE OF XXXX .. I HAD NO IDEA THIS WAS A PREDATORY XXXX COMPANY I WAS REALLY IN NEED OF A HOME REPAIR AN I HAD NO IDEA THIS WOULD BE HAPPENING TO ME I CAN NOT AFFORD XXXX A MONTH FOR 12 MONTHS,, AN PAYING XXXX FOR XXXX I THOUGHT THREE PAYMENTS OF XXXX WOULD HAVE BEEN MORE THAN ENOUGH TO PAY THEM BACK AFTER I PAID THE XXXX ON XXXX I TRIED TALKING TO A SUPERVISOR AN TRIED TO MAKE OTHER PAYMENT ARRANGEMENTS THEY TOLD ME NO.. SO I AM FILING COMPLAINT WITH BBB CONSUMER AFFAIRS AN THE ATTORNEY GENERAL OFFICE AN THE LICENSE AN REGULATION BUREAU IN MY STATE,, I CAN NOT PAY MY OTHER BILLS FOR TRYING TO PAY BACK A XXXX LOAN OVER XXXX FOR 12 MONTHS THANK XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2018 I called XXXX XXXX to withdraw any ACH I had signed with them. The reason being- I will be paying them from another account, which I expressed to the company. She told me no problem and they would no longer withdraw. I log into my account on Monday, XX/XX/2018 and have a withdraw of XXXX from XXXX XXXX. I received no e-mail, phone call, nothing- even to warn me of this charge to my bank account. I have also filed a dispute with my bank.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that | may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Mortgage

I bought a house that closed on XX/XX/XXXX and recorded on XXXX XXXX XXXX 
On the Closing Disclosure issued before the closing, page XXXX, issued by the Mortgage company, it states the Lender will be responsible to pay {$13000.00} as a Loan Broker compensation, but I'm suspecting they included it on my mortgage without disclosure it. I contacted the company but they are refusing to disclosure if it is included or not. If it is, I need an immediate reimbursement.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO: XXXX XXXX XXXX 1XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. 
I DISPUSTED THIS INACCURATE MORTGAGE ACCOUNT THATS REPORTING 30 DAYS AGO. I DISPUTED THIS ACCOUNT WITH THE CREDIT BUREAUS AND IT CAME BACK VERIFIED. NOW THIS REALLY HURT ME, ESPECIALLY AFTER I HAVE BEEN TO CIVIL COURT AND WON MY VERDICT AGAINST ALREADY FOR INACCURATELY REPORTING MY ACCOUNT WRONG. I'VE ASKED THEM TO SEND ME DOCUMENTS SHOWING THAT WHAT THEY ARE REPORTING TO THE BUREAUS IS ACCURATE. WHICH THEY INSTRUCTED TO TAKE THE MATTER UP WITH THE BUREAU IT'S NOT THEM. SO HERE I AM AGAIN GOING THROUGH THIS WHOLE DISPUTE PROCESS OF FINDING OUT WHO'S LIABLE FOR REPORTING INACCURATE INFORMATION. IF XXXX XXXX XXXX CAN NOT PROVIDE ME THIS INFORMATION OF WHY I HAVE A 30 DAY LATE PAY IN XX/XX/XXXX WHEN I HAVE NEVER BEEN LATE, AND  WHY THEY ARE REPORTING INACCURATELY THAT THE LOAN IS BEING MODIFIED. THEN TO TOP THAT OFF  IN MY COMMENT SECTION INACCURATE REPORTING OF A BALLON PAYMENT OF $XXXX DUE BY XX/XX/XXXX WHICH IS COMPLETELY FRIVOULOUS. IF THEY CAN NOT PROVIDE ME THIS INFORMATION, THEN THEY MUST REMOVE IT AT ONCE. I'M NOT ASKING FOR A BILLING STATEMENT EITHER, BUT PROOF. UNDER THE FEDERAL SERVICE ACT-REAL ESTATE SETTLEMENT PROCEDURES ACT 12 U.S.C 2605(e), I'VE REQUESTED A QUAILIFIED WRITTEN REQUEST AND RECEIVED NO ANSWER.
DUE TO THIS I FEEL THAT XXXX IS REPORTING THIS ACCOUNT TO THE CREDIT BUREAUS IS INACCURATE, SO PLEASE PROVIDE ME WITH THE FOLLOWING INFORMATION:
1) ALL TRANSACTIONS PERTAINING TO THIS ACCOUNT.
2) HISTORY OF ALL TRANSACTIONS  PERTAINIING TO THE ESCROW OF THIS ACCOUNT.
3)ALL PROPERTY INSPECTIONS FEES.
4) ALL FEES PERTAINING TO THE ACQUISITION OF THIS LOAN.
5) DETAIL BREAK DOWN OF ALL PAYMENTS, INTEREST AND LATE FEES IF ANY ASSOCIATED WITH THIS ACCOUNT.
6) THE PAY OFF AMOUNT.
IF THIS REPORTING INACCURATELY CONTINUES, I WILL HAVE NO OTHER CHOICE BUT TO CONSULT WITH A CONSUMER RIGHTS ATTORNEY REGARDING MY RIGHTS IN THIS MATTER, AND BASED ON MY RESEARCH OF THE FACTA ACT, AS A CONSUMER I HAVE THE LEGAL RIGHT TO DISPUTE ANY INACCURATE ACCOUNT DIRECTLY WITH THE LENDER/CREDITOR. I KNOW YOUR COMPANY WILL DO THE RIGHT THING, I HAVE ALL DOCUMENTATION AND I'M CAREFULLY TRACKING ALL CORRESPONDENCES. I WILL HOLD YOUR COMPANY RESPONSIBLE IF YOU FAIL TO PROVIDE ME WITH THE INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX keeps reporting negetive reports on my consumer report with out my consent which is identity theft as well as infringement of my rights pursuant 15 us code 1681 b permissible purpose by written consent and the debt collector that is coming after me for the debt which is illegal pursuant 15 us code 1692 c ( b ) third party should not have info on my consumer report its illegal amsher collection recovery is third party target bank is creditor for them to discuss my report is illegal for XXXX XXXX XXXX to report this is fraud and infringement of my rights
Product: Credit reporting or other personal consumer reports

XXXX fraudulently reported my student loan balance twice to credit bureaus, thereby doubling the balance on my credit report. My TransUnion credit confirms two duplicate reports from XXXX of {$360000.00}, for a total of {$720000.00}, with the only difference between the two reports being the reporting months. My total student loan balance should only be {$360000.00}. XXXXXXXX XXXX fraudulent double reporting of my student loan balance has substantially harmed my credit score and ability to qualify for a home mortgage by incorrectly altering my debt-to-income ratio.
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX in the fall of XXXX in XXXX TX. XXXX dealership financed the deal through Chase. When I leased the car, I signed an Affidavit ( form XXXX ) stating that I would not use it for business purposes and the dealership later confirmed that they submitted the affidavit on time to the bank. In XXXX County, Texas, citizens who lease vehicles and sign Affidavits are not subject to property taxes this is confirmed by both XXXX County Tax Office and XXXX County Appraisal District ( XXXX ). 

In XXXX, I received a letter from Chase stating that I owe property tax for the year of XXXX in the amount of USD XXXX on a leased vehicle that Chase has already paid to XXXX through the XXXX County Tax Office ( XXXX XXXX ). I contacted Chase, explained that they had a signed Affidavit in place, and Chase bank admitted that they paid taxes in error and that they would request a refund and that I did not need to worry about anything. I thought the matter was settled at that time as I received a letter in XXXX stating that Chase " refunded the amount back to my account. '' In XX/XX/XXXX, I received another letter from Chase stating that I owe property tax for the same car for the year of XXXX in the amount of USD XXXX. Note that I did NOT have the car in XXXX, I traded it in for another XXXX in XX/XX/XXXX. Not to mention that even if I did have the car, the fact that there was an Affidavit on file should have placed me in a TAX-EXEMPT CATEGORY. 

On XX/XX/XXXX I called XXXX and asked them to look up the VIN # s to see what is being reported to them. As it turns out, Chase has consistently reported my cars ( previous one and current one ) as TAXABLE instead of EXEMPT even though they had valid signed Affidavits on file. They reported WRONG information to the XXXX, which resulted in tax bills, payments by Chase, then letters to me with payment demands and threats to report me to the credit agencies. 

Chase Customer Service continues to claim that I AM REQUIRED to PAY the amount they paid to the Tax Office. And that I will be reimbursed once Chase files a correction and receives their money back. Why am I being asked to pay for anything in this case? I am tax exempt! XXXX office states it can take months for them to process a correction and issue a refund. Furthermore, Chase customer service says that if I dont pay they will report me to the credit agencies BECAUSE THAT IS THEIR INTERNAL PROCEDURE. 

Furthermore, on XX/XX/XXXX Chase bank applied an authorized charge of USD XXXX to my account claiming that I owe a XXXX property tax for yet another vehicle XXXX XXXX XXXX which I currently drive. This is the exact same situation as we are having with the XXXX vehicle - I was reported as taxable instead of exempt - hence we are dealing with the same problem but different vehicle. 

I contacted Chase repeatedly, as well as sent a letter to their main office in XXXX Ohio. Waiting patiently for the resolution.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I had several payments that were suppose to post on XXXX XXXX. I was checking my account throughout the day and late into the night to confirm the payments were going through and to make sure I wouldnt overdraft. Not once did my account show it was overdrawn or was going to overdraw. I deposited more money the morning of XXXX XXXX and saw my account was negative due to my bank charging me a total of {$100.00} in overdraft fees. I contacted my bank to get a refund of those charges as there was no reason they should have been charged and were told they could not refund the fees imposed. My account is now in negative balance because of those fees and Im unable to pay other bills that are pending this week.