23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have called Capital One Auto finance 7 times on XX/XX/XXXX. They can not find any record of the loan financing I got from XXXX XXXX  XXXX ( A brand they operated from approx XXXX to XXXX. ) I need to obtain my car title and the XXXX in XXXX will not provide it to me as the lien from 20+ years ago is still in place. 

The people I spoke to at Capital One Auto Finance will not let me talk to a supervisor or escalation unit as I can not provide my account number. I have provided my SSN and the vehicle VIN, but as they can not find a record they said " there is nothing we can do. '' The car still works. I have a young person who can use it, but in order to transfer title to their name and have them obtain insurance I need my title so we can transfer title. 

I financed a car with XXXX XXXX XXXXXXXX in the year XXXX. I think I paid it off in XXXX. I need a title for the car and can't get it as XXXX XXXX XXXX still shows as lienholder. The company can not find record of my vehicle under my SSN, name or the VIN number. 

Where to we go from here? 

My understanding is that the XXXX in IL ( where I live ) will accept either a lien release letter or : Lien contract stating that the lien has been paid in full. Must be countersigned by an authorized representative of the company. 

Looking forward to hearing from someone who can problem solve this situation vs what I've been told which is " we have no record, so there is nothing that can be done '' Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a letter from XXXX stating that XXXX was fraudulently opened on XX/XX/XXXX in my name despite having " fraud alerts '' placed with the credit reporting agencies back during COVID-19 XXXX  when fraudulent accounts were opened then. 

I have freeze alerts and fraud alerts in place so I am not sure how this account was able to be inquired and opened. 

I contacted XXXX on Sunday XX/XX/XXXX and spoke with a representative that informed me he was aware the fraud occured and that they contacted the credit reporting agencies to remove the " hard inquiry '' and " tradeline '' however they are still reporting within my credit files. 

I do not live, or ever have lived at XXXX XXXX XXXX XXXX XXXX NJ XXXX and I believe this is the address used to complete the fraudulent application.
Product: Credit card or prepaid card

This is in regards to my XXXX  XXXX credit card ending with last 4 number XXXX. On XX/XX/XXXX I did some purchases and the store offered me a new acct to get 10 % discount. So I opened this acct. My first payment of {$32.00} was due on XX/XX/XXXX. I sent out my payment on XX/XX/XXXX ( late ) and at the same time called XXXX ( customer services ) to ask for a one time late fee removal courtesy. The lady who answered the phone said will be glad to do so. I assumed that would be it. Since then I was out of town most of the time and back home to prepare for the XXXX XXXX XXXX this month ( XXXX ), checked on my mails and found out one late charge on top of another late charge which is now add up to over hundred dollars. The lady I spoke with never took care of my request in the first place otherwise it would never happened. I emailed XXXX XXXX and been returned with the advice that I have to contact XXXX XXXX. I called XXXX XXXX and explained but they insisted I have to pay all late charges to keep my account up to date. I feel so frustrated by this unethical practice. I need your help. Please give me your hand. Thank you very much. XXXX XX/XX/XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

To whom it may concern, The following companies have reported charge offs on my accounts & have failed to send me a 1099-C in order for me to report as income. I'm sure they wrote off my balances on there profit and loss sheet. Plus they are still reporting that I currently have a balances. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Discover XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX accounts ( XXXX XXXX ) XXXX. XXXX ( XXXX ) XXXX. XXXX XXXX accounts ( Balance XXXX ) XXXX. XXXX XXXX ( XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX. XXXX ( XXXX XXXX )
Product: Credit reporting or other personal consumer reports

There is a unauthorized hard inquiry on my consumer report XXXX XX/XX/year> that I have disputed multiple times with Equifax and they continuously keeps validating the inquiry without showing me any proof that this inquiry was done by me or in fact authorized by me. I am requesting a thorough investigation into this matter and the prompt removal of this fraudulent inquiry from my credit report. This unauthorized/fraudulent inquiry has negatively impact my credit score, and I am concerned about the associated repercussions. In response to this investigation, Please include evidence proving that I authorized this inquiry. If there is no statement of proof that I myself authorized this inquiry or initiated this inquiry I will respectfully ask this inquiry to be removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was granted from XXXX XXXX  a removal of a 30 day late from my credit report. The letter of approval for this action is XX/XX/. It has not been removed.
Product: Credit reporting

I Have disputed a fraudulent account which went into collections with EQUIFAX over 4 times. Each time they claim they verified status and they keep saying they have not received the documents I uploaded via their own websites and also that I faxed to them. I have letters from both the collection agency : The original creditor XXXX XXXX XXXX/ XXXX/ XXXX XXXX XXXX has also submitted and it is not getting updated. I would like this removed from my credit report however I am tired of disputing it with EQUIFAX. Fortunately I provided the same proof for XXXX and XXXX and they removed it also immediately.
Product: Student loan

My Federal loans taken from XXXX were discharged due to the school closing. Loans 1-4. XXXX XXXX XXXX XXXXXXXX. The US Department of Education has the correct information. I took out a {$5000.00} loan at XXXX XXXX in XXXX which is Loan 5. The Servicer, ED FINANCIAL has Loan 2 ( unsubsidized ) listed in their possession even though it was discharged. It is collecting interest and being reported on my credit score. I have called the US department of education and listed a complaint 4 times. They claim they can not do anything to make ED FINANCIAL report the correct information that the DEPARTMENT OF EDUCATION has on my loans. I have contacted ED FINANCIAL over 6 times including a phone call over 2 months ago. They have not updated the information on their site nor contacted me about if they are going to correct the information. This is affecting my credit and they continue to allow interest collect on a loan that was discharged by the DEPARTMENT OF EDUCATION. They changed my account number through this process and somehow ED financial claims the loan was not disharged even though I sent them a screen shot of the US department of education loans I owe.
Product: Mortgage

XXXX XXXX cause us to have to rent a place for several months making us not able to pay mortgage. We now have a loan modification and its settled but mine and my husbands credit score still shows delinquent accounts to mortgage company.
Product: Mortgage

Name : XXXX XXXX XXXX XXXX Account : XXXX Address : XXXX XXXX XXXX XXXX XXXX, Az XXXX Am submitting a loss mitigation to recover the payment made to this company. This account was paid on XXXX XXXX, XXXX in full amount. They started off with a mortgage company that went out of business then another mortgage company took it over and then it ended up going to XXXX when I called XXXX which is now XXXX mortgage to find out what the total payoff was they did not have records of no account and were going to do a research. Now XXXX mortgage sent me a letter with the account number and information stating it was XXXX and went to real-time resolution which was paid back in XX/XX/XXXX. So we were not aware of this and house still had a lien on it. So as we were trying to sell our house on XX/XX/XXXX we called Real time resolution to find out more information and to see if they would settle half way on payment or how could we get the title lien release as we were in a crisis to sell our house. And no compromising or luck. Instead we were charged {$42000.00} and XXXX in interest so we paid a total of {$120000.00} in order to have our house sold and release the title. So we submitted a complaint to XXXX XXXX XXXX  and they responded back saying for us to get a hold of real time solution and speak to the main manager and submit a loss mitigation. we have not had any luck with a manager or a higher management. we do not understand why we are getting charged for a second loan as We were advised by XXXX, which is now XXXX Mortgage that the loan has been paid back on XX/XX/XXXX, XXXXwe are ready to get an attorney to settle this in court with real time resolution or XXXX XXXX as XXXX mortgage no longer exists.we need some resolutions soon This was not a fair act or service. Please respond and see all paperwork attached. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Cell ( XXXX ) XXXX Home New mailing address XXXX XXXX XXXX XXXX XXXX, AZ XXXX Sold property address XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Mortgage

The attached document from XXXX  was received on XX/XX/year> stating that the owner of the loan is XXXX XXXX XXXX XXXX XXXX  XXXX. 

They have not been providing me a payment schedule but their address is the following : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Aldridge needs to cease and desist his criminal practice of this case. I do not have any dealing with this law firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with Experian about my credit report, so many times now they ask me for my social and date of birth And I don't get a chance to talk with anyone about my credit report. just the machine. Early in XXXX They told me they would seen a new credit report, they have not done so, it seems to me after I have put in a complaint it's gotten worst. once I give my information, the machine won't even connect me it tell me to go online and dispute my information. I have the report number from the old report. So I'm not even sure they have taken anything off. I'm am a victim of fraud I have sent police reports affidavit and now my attorney is sending signed documents I have worked with the Fraud prevention services and Identity Theft through XXXX they told me that all three credit bureau would be made aware. They have not removed anything far as I know. I can't see it because I have not received a up to date report. all I can use is the old report. and now I can't even get a human on the phone. If you can help me with Experian I really would appreciate it this issue has been going on way to long. And I don't have a credit card Witch was mention in the last report For that reason I have not paid to receive my credit score. I would like to see how much they have worked on my credit. Thank you for whatever you can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in dispute for quite sometime over the following items : NONE OF WHICH HAVE BEEN BOTH VERIFIED AND VALIDATED NONE OF THE NECESSARY PROOF OF VALIDATED AND VERIFIED CLAIMS HAVE BEEN PROVIDED TO ME, THE CONSUMER. 
XXXX Closed Acct, -Closed Alleged Late Payment : XX/XX/XXXX XXXX : : Alleged Late Payment XX/XX/XXXX -XXXX : : Alleged Late Payment XX/XX/XXXX -XXXX : Alleged Late Payment XX/XX/XXXX -XXXX : : Alleged Late Payment XX/XX/XXXX XXXX XXXX XXXX : BALANCE {$480.00} BALANCE UPDATED XX/XX/XXXX I have disputed these claims and informed them of violations within XXXX these items : 15 U.S.C 1692 15 U.S.C 6821 15 U.S.C 1681B I DID NOT CONSENT NEITHER PROVIDED NOTICE TO REPORT ANY ACCOUNT STATUS/INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted to Experian two disputes involving XXXX XXXX. XXXX  XXXX Auto Finance is incorrectly reporting an account with Experian and I provided documentation and full credit reports to display the inaccuracies and request deletion. I also disputed a XXXX XXXX credit card that was incorrectly reporting late payments which I requested to be changed to paid as agreed. I also included payment verification from my bank proving I was on time. I pulled my credit report today after learning they completed their investigation. Experian says they did an investigation of my claims in both cases but they did not address any of the errors or delete and fix the accounts in question as I asked for. They have not fulfilled their obligations under the Fair Credit Reporting Act so I am filing a complaint. Thanks XXXX XXXX
Product: Bank account or service

I had an account with Wells Fargo in XXXX, CA ( on XXXX XXXX ) a year or two ago and closed it after noticing on my statements that the bank was charging me {$100.00} every time the Department of XXXX XXXX XXXX asked them to fill out a form regarding my account. The bank received XXXX of these requests in a XXXX month period-my statement was reading that I was overdrawn -- by a lot. I do n't feel it should be an expense of mine-I was not informed, anywhere in the paperwork they give you when opening a new account, that I would acquire this fee upon any paperwork needing to be completed regarding me or my account. I recently tried to open a bank account at the local bank in my area and was denied because of this situation. On the statement the bank handed me when denied, it reads that it was my fault : {$250.00} and reason for account closure is " Account Abuse ''. This is not right on so many levels. Please let me know how this can be rectified and both parties can move forward from here. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I plan to get married soon, and a friend of mine helped me pull my credit report. And I swear the are accounts/collections list that i have no clue about. Please assist me in removing this items from my report, so I can move on in life in a positive way. 
All of the items will show on my attached XXXX report. 
Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXXXXXX XXXX on XXXX with a balance of {$1500.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Ohio XXXX XX/XX/year> RESURGENT/LVNV FUNDING XXXX XXXX XXXX XXXXXXXX SC XXXX ACCOUNT NUMBER : XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX MISSOURI Subject XXXX Cease and Desist Request for Deletion of Collection Account Dear RESURGENT/LVNV FUNDING, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : XXXX. A copy of the original contract or agreement under which the debt arose. 
XXXX. A detailed account statement showing the amount of the debt, including any fees or interest. 
XXXX. Date of Last Activity. 
XXXX. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
XXXX. Documentation confirming that you have the legal right to collect this debt. 
XXXX. Any correspondence related to this account that includes my signature or consent. 

I demand that you take the following actions : XXXX. Immediately cease reporting the collection account associated with my name. 
XXXX. Confirm in writing within XXXX  days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I was using my chase credit card like a regular credit card one day it just got declined so when i called chase they just told me that they decided to close my accounts and end our relationship with no reason for why it was done.
Product: Credit card

Credit inquiries for XXXX and capital one today. 

I havent had my credit run since my vehicle purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

TXXXX AND EXPERIAN IS STILL REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT WHICH IS A DIRECT VIOLATION OF THE FCRA. THIS IS MY 4TH TIME DISPUTING THIS ISSUE AND IT IS VERY OVERWHELMING. THE ACCOUNT NUMBER IS REPORTING TWO DIFFERENT NUMBERS AND ALSO THE DATE OPENED IS ALSO REPORTING TWO SEPARATE DATES. I HAVE SENT IN PROOF AND THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY AND IT CAN NOT BE UPDATED BECAUSE IT IS ALREADY A VIOLATION.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance OwedXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : ; XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXX XXXX Balance Owed : {$160.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$700.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$770.00} ; XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

On or about XX/XX/XXXX, my phone with XXXX service was lost/stolen. I called XXXX to alert them of this fact and cancelled my service. The representative acknowledged that my service was cancelled. There was no contract. 
My credit card was charged ( {$85.00} ) for service from XX/XX/XXXX - XX/XX/XXXX. There was no charge to my credit card for the period XX/XX/XXXX-XX/XX/XXXX. Then, my credit card was again charged ( {$85.00} ) for the period XX/XX/XXXX-XX/XX/XXXX I had not resumed any service with XXXX for these time periods. 
I went to the XXXX Ohio XXXX store to straighten out these billing errors. The store manager at that time was XXXX and he and another employee XXXX, called the billing dept to straighten out this issue. They talked to a representative for about one-half hour and told me that possibly they had been able to resolve this issue but were not certain. 
So, I contacted my credit card and told them I was disputing the XX/XX/XXXX and XX/XX/XXXX charges. Subsequently, my credit card company sent me a notice stating " ... the credit card dispute with XXXX has been resolved. The credit we issued to you ... will remain on your account. '' Thus, the erroneous charges were credited out of my account and XXXX at that time acknowledged that no charge should have been made. 
Beginning on XX/XX/XXXX, I have received four or five debt collection letters from XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ) and Receivables Preferred Management ( 10/08/16 ). In each instance I have sent the above information to each within the time period required. But the only result I have had is that this non-debt is sent to another company or affiliate.
Product: Checking or savings account

I recently opened up XXXX XXXX credit card linked to my chime account. My money was leaving my account but not being paid to XXXX XXXXXXXX which cause my card to be closed and my score dropped and I had b just been working to fix it