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

Hyundai Motor Finance XXXX. 
I have an original account number with XXXX. 
I have an escalation complaint number with XXXX. 
I paid off the lease, I have a bill of sale dated XX/XX/XXXX. 
XXXX XXXX XXXX XXXX sent me a Colorado title because I leased the vehicle in Colorado. 
The problem is that when I moved to Georgia in XXXX, the XXXX in Georgia did not generate a XXXX request for a state to state title transfer. 
I paid off the lease on XX/XX/XXXX, went into the GA DMV to get the vehicle put into my wife and my names. They realized the mistake they made from 2 years ago and took my original Colorado title and sent it to the state of GA to generate a new GA title. They mailed the original GA title to the XXXX dealership in CO where I leased the vehicle, I had to call the dealership and they agreed to overnight the original GA title to XXXX XXXX XXXX. In XXXX, Texas. XXXX in XXXX TX received the overnight pack on XX/XX/XXXX at XXXX signed for by XXXX XXXX XXXX very detailed instructions to sign XXXX back of the original GA title and mail it back to my home address so I can take the GA title to the GA XXXX XXXX get the vehicle put in my name. 
I have been calling them for 2 months. 
They mailed me a letter of no interest or a lien release for this vehicle dated XX/XX/XXXX stating they have no right, title, or interest in this vehicle. 
I have been calling them for two months trying to get them to fill out and sign the back of the original GA title they have in their possession. 
The case is now in their specialty escalation group but no one will return my phone calls. I have all of my dates, times, and contacts I have spoken to regarding this matter for two months but no one will contact me. They claim that the XXXX TX title department does not have a phone so there is no way to contact them. 
The XXXX now handling my escalated case is XXXX. I left a message for her on XX/XX/XXXX and XXXX but they wont give me her direct line.
Product: Vehicle loan or lease

Date XXXX XXXX Interest rate 20.23 % Fiance charges {$18000.00} Amount financed {$25000.00} Total of payments {$43000.00} Down payment {$1000.00} ( illegal when theres a loan transaction ) company participate in Truth in Lending. State law code 15 USC 1662b Total price charged {$44000.00} Total payments 72 months @ {$600.00} Document/service fee {$420.00} Automotive XXXX XXXX hazard fee {$890.00} ( when I told the dealer I did not want this fee I was told it was mandatory ). 

XXXX Sec plus maintance fee ( don't know what this is ) {$590.00} Other charges and amounts paid to others on my behalf ( oh my god ) {$1900.00} XXXX financed {$25000.00} Financed charges {$18000.00} Total charges {$43000.00} I expressed my concerns about most of the bogus fees to the dealer, was told it was mandatory. 

I want this dealership to know that this type of business isn't good for their business to operate this way. I would like any and all funds refunded to me that was/is part of this illegal practice. I look forward to your response CFPB. 

I purchased this vehicle from XXXX XXXX in XXXX Mississippi.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, at XXXX I was called by a person who claimed to be a Wells Fargo representative. The person spoofed the call so that it would appear as Wells Fargo and have the correct customer service number.The individual informed me that someone had tried to use my debit card to make various purchases, and that the purpose of this call to keep that from happening. They asked me to verify the codes that was sent to me, which I did under the impression that this was me verifying my identity to protect my account. Shortly after I checked my emails and see several Wells Fargo messages about Wells Fargo wires, new recipient and a wire transfer initiated and pending for XXXX XXXX As soon as I saw this I immediately called Wells Fargo, the time was XXXX. I informed them that I had not initiated this wire transfer and to cancel it/freeze the transaction. I was informed that it was already pending and that there was nothing that could be done besides to open a claim and to request the money back. Over the following days I corresponded via phone with the Wells Fargo fraud department and the claims departments. They said my claim was denied because I " approved " the transfer through the codes. And that they requested my funds back from the fraudsters XXXX XXXX XXXXXXXX account but there was nothing there. I told them I wanted to appeal my claim denial and was contacted by someone in charge of the claims department on XX/XX/2023, and I explained my situation. That day I was reimbursed the XXXX $ wire charge. On XX/XX/2023 I was called and informed that they would not be able to reimburse me because the money was no longer present in the XXXX account. 
I have made a report with XXXX as well as the FTC
Product: Credit reporting

I have on several occasions disputed an account on my credit reports. I have disputed this information with both the credit reporting companies and the collection agency themselves. I have asked for proper validation and I get absolutely no response. I am under the impression that this company has 30 days from the date my validation request is received. 

This company never responds and effectively ignores my request for any validation in regards to this account. I have disputed the amount, and address on file with this company. In every instance I have never heard anything back from this company. 

If I submit a dispute through the credit reporting agency. The agency reports that the debt has been verified as belonging to me. I am aware that the reporting agency uses a standardized system in validating a quick and efficient response. However, this is no way proves this debt as belonging to me or that the amount is in anyway accurate. 
I want this collection agency to validate my so called debt as outlined in the Fair Debt Collections Practices Act. 

They are required to verify this debt if they can not. Then I want this debt removed. 

The collection agency in question is Fair Collections and Outsourcing. Address is : XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Vehicle loan or lease

When you try to finalize a car account, I feel like it wants to charge you more money than usual. I made a call to find out when the final balance of the car is owed. In one they told me an amount. 2 weeks later they told me that a monthly payment was missing. I understand that there is no agreement on the account
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding the removal of these accounts : 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: Debt collection

I received a debt collection notification from Pioneer Credit Recovery in the mail, asking for an amount of {$17000.00}. The address was mine, but the addressee was a company called XXXX XXXX XXXX XXXX, which I have never heard of until today. I have not made contact with them, as I have no trust that Pioneer is a legitimate debt collector, instead choosing to immediately file this complaint so the matter can be investigated properly.
Product: Student loan

Please refer to CFPB Complaint # XXXX ( I have enclosed a copy in the attachments ) filed XX/XX/XXXX. 

On XX/XX/XXXX, Fedloan Servicing, stated that a " thorough investigation '' into the ( 6 ) student loan accounts were preformed by the OCA for PHEAA, concluded that the ( 6 ) student loan accounts were reporting accurately. 

On XX/XX/XXXX, I mailed a certified letter to Fedloan requesting validation of the debt. Fedloan Servicing mailed a letter on XX/XX/XXXX, in response. The letter received contained only ( 1 ) Master Promissory Note " dated '' for XX/XX/XXXX, along with a list of the ( 6 ) student loans. However, none of the listed student loan accounts reflect XX/XX/XXXX as a disbursment date, which means this is factual proof of ( 6 ) six unverifiable student loan accounts. 

In addition, the listed " Current Principal Balances '' on the student loans DOES NOT MATCH any of the information being reported to XXXX, XXXX  or XXXX. 
( Enclosed in the attachments are the credit reports from XXXX, XXXX, and XXXX, reflecting inconsistent, contradictory and unverifiable account information. ) I demand the immediate deletion of all ( 6 ) student loan accounts, as it pertains to federal and North Carolina state laws.
Product: Vehicle loan or lease

My auto loan from Fifth Third Bank was opened on XX/XX/2022 and the first payment was due on XX/XX/2022. I made a payment from my external XXXX XXXX  account on XX/XX/2022 and they reversed the transaction XXXX XXXX later on XX/XX/2022. They do not send a notification that the payment had been reversed. I called XXXX XXXX and they say they have no incoming request from Fifth Third Bank. The Fifth Third Bank website is incredibly buggy. It says you can add up to XXXX external accounts when after you've added one it will not let you add another. Many times the payment errors out and you're required to clear cookies on the browser for it to work again. I tried to make the payment over the phone and they tell me my account can no longer be used but they can never give me a reason for that. They just say it is blocked even though I've use the account to pay all my bills. During all this time, the interest on my account is accumulating. I've tried paying this loan from XXXX different accounts and they all have issues with Fifth Third Bank. I'm incredibly frustrated because XXXXXXXX XXXX  says there is no issue with these accounts and they never have gotten any request from Fifth Third Bank for withdrawing money. It seems to be an issue with Fifth Third Bank. Many times the payment gets posted and then it's reversed a few days later all the while XXXX XXXX says they never received a request. Fifth Third Bank can not even give me an answer why it's happening. 

During this time, the interest on my principal is accruing daily and i'm still not able to pay through their website or over the phone.
Product: Credit reporting or other personal consumer reports

Account Name : LENDMARK Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX ( Original Creditor : XXXX LENDMARK ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account
Product: Vehicle loan or lease

Accounts have been settled, but still on my report. Plus there were outdated iinformation that should have been erased from my report.
Product: Mortgage

The form letter submitted does NOT CLEAR the ESCROW - Shellpoint has on my MORTGAGE STATEMENT -- there is a PAST DUE ESCROW {$2600.00} -- Shellpoint Dashboard statement shows {$2400.00} -- Shellpoint must correct the MORTGAGE STATEMENT! sending CFPB a form letter stating nothing is due is misleading and fraudulent. 

ESCROW balance will be due after XX/XX/XXXX as I pay Insurance/escrow and Taxes within my MORTGAGE PAYMENT. Shellpoint alleges the Mortgage statement can not be corrected WHY NOT? Upper Management Promises to do so since XX/XX/XXXX NOT REALIZED!!! 

Shellpoint was quick to send FORECLOSURE letters without waiting for XXXX XXXX to clear up the Grant payment. I had to contact all parties and secure the grant funding be paid with CFPB intervention. Otherwise I could lose my home due to negligence and discriminatory treatment by XXXX XXXX! 

At the least Shellpoint could create a corrected record. They went back and got my loan history so why cant a CORRECTED MORTGAGE STATEMENT reflect NO PAST DUE amount and {$480.00} is due XX/XX/XXXX?????. A form letter wont due because this error is on my MORTGAGE STATEMENT -- ESCROW is not added to my statement as a PAST DUE when Shellpoint just got the funds and dispersed these funds without any help from WELLS! It is Shellpoint responsibility to manually correct the MORTGAGE STATEMENT. 

The Federal grant paid in full all existing balances including escrow! Since XX/XX/XXXX, have been lied to by upper management at Shellpoint that the MORTGAGE STATEMENT would be corrected by XX/XX/XXXX. IT WAS NOT! As of XX/XX/XXXX - MORTGAGE STATEMENT continues to add a past due ESCROW balance the BALANCE is not described as pending payment which it should state ( pay taxes and insurance+escrow ) in monthly payment. 

Demand the MORTGAGE STATEMENT to be corrected as promised by Shellpoint immediately. My existing balance is monthly mortgage due XX/XX/XXXX {$480.00} In my quest to receive a corrected MORTGAGE STATEMENT -- Shellpoint sends the same form letter to CFPB that I have received 3x and each time does not reflect ESCROW as a {$0.00} balance or a PENDING Balance going forward!!! Shellpoint addition of my Loan History does not deflect their responsibility to manually correct my MORTGAGE STATEMENT! Otherwise I have no proof of a PENDING ESCROW vs a PAST DUE ESCROW!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian was reporting that i owed a debt to a collection agency called XXXX XXXX  for medical services. I was unaware of this claim, so i contacted XXXX XXXX on XX/XX/XXXX with certified mail and asked them to validate the claim with a contract and proof. On XX/XX/XXXX XXXX sent me a letter with an itemized bill listing my medical conditions and services. I then sent this information to Experain on XX/XX/XXXX by certified mail for proof of receipt that XXXX XXXX  had violated my HIPPA rights and stated that i will pursue legal actions. On XX/XX/XXXX i received a letter form Experian with Report # XXXX that XXXX XXXX that the debt will remain on my credit file unless i send in additional relevant information to support my claim, and they stated they will not re- investigate this information again. I feel as if i am alone and my rights and identify has been violated. Also, i did a dispute with XXXX and they deleted the collections based on their findings. What findings did XXXX  find that Experian could not? I am seeking help in this matter. Thank you, XXXX XXXX
Product: Credit card

About a year ago Synchrony changed their policy and started billing for paper statements. They said that you could sign up for text/email alerts and I tried doing that, but got an error message saying : " Oops... 
Unfortunately we are experiencing technical issues on our end. Please try again later. 
If your account is not registered, please return to Account Manager to register your account. '' They have been having these technical issues for over a year. I just tried again and that's the message I got. 

I'll bet you a nickel they've had a huge increase in late payments and interest in XXXX
Product: Credit card or prepaid card

On XXXX 3,2020 I went into the XXXX XXXX  XXXX  location within the XXXX XXXX airport to rent a vehicle. Upon checking out and getting the vehicle within my possession the vehicle which was a XXXX XXXX had the check engine light was on. I expressed my concerns about it I was given another vehicle same model as the one I was renting it also had the check engine light on. The manager informed me there were no more vehicles the size that I was renting and to return the following day to get an exchange. He also stated that the oil probable just needed to get changed and that he has not had the time to complete. I was leery of driving the vehicle because this is a local company and there are not any location 's in the state in which I am traveling so if there would be any break downs or issues they would not be able to get to me to do any sort of exchanges. This was very inconvenient since I was scheduled to leave on my trip that following morning. I made my way home and in addition to the check engine light on the steering wheel was shaking anytime you accelerated over 40 miles. The following morning XX/XX/XXXX I called to ensure they had a vehicle to exchange I was directed to roadside assistance who directed me back to the customer service. At this point my trip had been delayed by over 5 hours I returned the vehicle XXXX @ XXXX and took my own vehicle on my trip which was over 7 hours. The trip was too far to take a vehicle I felt was unstable I was immediately refunded my money and ensured by the manager that I would not be charged a early termination fee for returning the vehicle early. I was later charged about a week and a half later the exact amount that I was refunded of n {$110.00}. I attempted to reach out to the rental company and was not able to speak with anyone so I disputed with my credit card company. Ultimately my dispute was denied by Capital One indicating that since I agreed to the terms and conditions when initially renting the vehicle I was responsible for the charge. I attempted to explain that the only reason that I returned the vehicle early was due to the fact that the vehicle had issues that I was not comfortable driving a 7 hour drive one way in and returning in and in addition paying for a vehicle that I deemed to be be unsafe for myself and my family. I do not understand how a consumer whom agreed to rent a vehicle and agree to terms and no matter what happens is financially responsible for a faulty vehicle just does not seem right. I made a comment on the rental car 's social media page on XXXX and was advised to message them this was on XX/XX/2020 this is the only time that I was provided a detailed receipt of why I was re-billed the amount which shows a early termination fee which I was assured that I would not be charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to have ALL PAID Collection Accounts removed from my Credit Report. The accounts have been paid. I need them removed from the report as soon as possible. 
They have been paid for some time now.
Product: Credit card or prepaid card

On XXXX I recieved a ( 2 ) letter ( s ) from Macy Credit Card by Department Stores National Bank and the date of the letter was XXXX XXXX, XXXX. XXXX of the letters, basically approving COVID 19 relief of allowing me not to make payments from a telephone request I made to them on XXXX XXXX, XXXX. Verbally they stated they would, then I recived a letter stating it was approved for 2 consecutive months. On the same day XXXX XXXX, the I received a letter stating they had not approved for several reasons. I called the bank and told them if in fact I was approved for COVID relief and they said no, but continued to tell me my next payment would be due XXXX XXXX, XXXX. I also informed them, that they had lowered my credit limit from {$10000.00} to {$4000.00}. Which definately dropped my score due to utilization rate being so high. 

They claimed they had provided me with Covid relief for 4 months prior, yet the pandemic is still ongoing. I recently lost my XXXX, and my XXXX and asked if they could lower my payment amount to offset my reduced income as I left my job to care for my XXXX and XXXX XXXX. since then I have taken a job which is paying less and I am also a XXXX but my sales have dropped due to taking care of family matters I am requesting they work with me to assist in lowering my interest rate or lowering my payment. Speaking with them has be to no avail. I have never been late on payments with this credit card, they simply stripped my credit limit damaging my credit. 

Why during the panadamic these Credit Card companies allow only a few months when the COVID 19 perisists. 

I need help. 


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

the Consumer Financial Protection Bureau ( CFPB ) sued XXXX for failing to properly investigate consumer disputes. The CFPB alleges that XXXX 's practices violated the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). 
XXXX failed to investigate disputes properly. 
XXXX failed to remove inaccurate information from consumer credit files. 
XXXX failed to provide adequate written notice to consumers about the results of its reinvestigations. 
XXXX improperly reinserted previously deleted information from consumer credit files. 
XXXX failed to convey consumers ' disputes to furnishers fully and accurately. 
The CFPB 's goals Bring XXXX  into compliance with the law, Provide consumer redress, and Impose civil money penalties.
Product: Money transfer, virtual currency, or money service

lam filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financialloss, and XXXX  appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 capital one sent emails stating false acussations regarding an invitation to an auto loan.I was told that applying would not have an impact on my credit.In XX/XX/XXXX I noticed my credit profile had been missued by entities I have no knowledge of and reported to the credit bearues. I did not give authorization to the following entities to obtain information regarding my credit profile not did give written or oral consent fot any inquires being reported by the following entities.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX Account # 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 an account without my written instructions.
Product: Checking or savings account

On Saturday XX/XX/2021 I was denied access to my Safety Deposit box at the Truist / BB & T brnach located at XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX. I was informed by Truist /BB & T representative ( XXXX XXXX XXXX ) that the branch was not staffed with officers who could open the safety deposit box. I have a safety deposit box at this branch for over 20 years. The lack of access to my SD box contents today is troubling, and has had impacts to my business. The bank needs to maintain required staffing levels and support all banking functions during posted banking hours.