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

I have been trying to get the title for a lease vehicle that has been paid off since XXXX XXXX XXXX. The original title was sent in with the payoff check in XX/XX/2021. I kept calling to see where my title was. XXXX said they did not get my title. They got the check and the paperwork. They said it was my problem. They said it needed to send an odometer reading, which was done many times. Then they said I had not paid my personal taxes. They never sent them to me because they had no interest in the vehicle. I have been hung up on, screamed at and called a liar. I paid personal property tax for a state I have not lived in for XXXX years because they said if I pay them they would release the title. That was XXXX months ago. Now they say a duplicate title was sent to XXXX XXXX but it was filled out incorrectly. XXXX says they will not sign the title, even though they sent a no interest letter. I have been making payments to my credit union for a year, but still have no title. My tags are up at the end of XXXX. I will have to pay a XXXX dollar penalty for not having my new tags. This is not right. I paid personal tax for the wrong county and now I have to pay a penalty for something I did not do. Please help. I dont know what else to do.
Product: Checking or savings account

I originally opened this Wells Fargo consumer checking account XX/XX/XXXX to XX/XX/2018 and was to receive {$200.00} bonus with 3 direct deposits of {$500.00} or more. While completing the requirements XX/XX/XXXX and XX/XX/2018 I was never paid my bonus. I insured that i waited well over 120 days after to contact about receiving payment. Each time I contacted customer service ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018  ) I was told i indeed did meet the terms and no one could figure out why I never received the bonus. Each time I was promised repeatedly that this would get taken care of. Please feel free to pull the recorded calls to verify this and check notes in the account. Finally after submitting a research claim and escalating the issue I was told that i did not qualify because i did not receive the payments over three consecutive months only two. The way I understood the promotion was that I only needed to receive 3 direct deposits of {$500.00} or more which is exactly what I did. I am paid bi weekly so I received payments on XX/XX/XXXX and XX/XX/2018.  To make matters worse my account was sold to XXXX XXXX like all accounts in the State of Ohio and it still hasnt been taken care of even though I was promised it would be before the account sold. Wells Fargo is a joke and its a wonder they are still allowed to stay in business after opening false accounts, making people lose homes because of a computer mistake and now not paying a bonus when promised. I can only imagine how many other people have incurred the same issue with no result just a sorry tough luck. I am not going to take that answer I did my part now I expect you to hold up to your part.
Product: Money transfer, virtual currency, or money service

My money orders were lost and I need a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

It all started when I was receiving mail to my address with another young lady name on the mail from XXXX Bank. I was the first one to live in the home ( it was brand new when I moved in ) Also I worked for the management company and I knew of all residence that lived in the homes. No one by the name of the mail I was receiving lived there. Then I noticed on all three of my credit files that I had 3 XXXX Bank accounts listed on there. The only XXXX Bank on my credit files that is mine was my XXXX card, but XXXX XXXX Bank is now over the XXXX credit cards. 

I them contacted the creditor XXXX Bank and they immediately closed the accounts and sent me letters stating that they asked all 3 bureaus to remove the accounts from my files and they have not! The bureaus are aware of my credit files being mixed, identity theft and fraud on my files for some time now. 

Experian has my credit usage at almost 500 % and that is due to them keeping those fraudulent accounts on my credit files XXXX and XXXX still have the accounts on my files as well but they have not increased my credit usage like Experian did. 

All bureaus are also listing that I have late payments on my credit files due to those fraudulent accounts. 
They have police reports on file for me as well for identity theft and fraud, I am trying to purchase a home and this is ruining my chances of that. This is my last try to have this fixed before my attorney and I file with the courts on all 3 bureaus! 

They need to remove all 3 accounts from my credit files and correct my credit usage immediately My scores dropped over XXXX points because of this taking me from good credit to bad, all 3 bureaus have these accounts as closed on my credit files in bad standing instead of removing them!
Product: Credit reporting or other personal consumer reports

Greetings, I am submitting a follow up complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section605b, I have reported the incident to the XXXX XXXX XXXX XXXX XXXX XXXX  through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX ELEC BNK XXXX Balance Owed : {$370.00} ; XXXX XXXX Balance Owed : {$620.00} ; XXXX XXXX Balance Owed : {$320.00} XXXX XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$730.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX A XXXX VI ) XXXX Balance Owed : {$85.00} ; XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$730.00} XXXX XXXXXXXX XXXX ( Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$460.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$360.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required toinvestigate any information in the consumer 's file that the consumer identifies as resultingfrom alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

When I was going to make my first big purchase of a car, I knew that they would run my credit but not as much as they did with all the different companies and even multiple times with hard inquiries I was told that they would fall off my credit report ( that it would only be soft inquiries ) in 3 months or so and they are still present almost a year later. I did not go with any of the companies that ran my credit I went with XXXX XXXX.
Product: Vehicle loan or lease

I submitted all the required paperwork for the loan and was told I was approved and and was told the loan amount and payment amount in the process of purchasing a vehicle with the loan was told that the supervisor had changed theyre mind and was not going to fund the loan.
Product: Credit card or prepaid card

I spoke with Capital One today after being in the Hospital with XXXX  and missing work and paychecks. Spoke with a rep from Capital One and told her that after missing two payments and receiving two late fees and accrued Interest of {$230.00}, I would like to make a settlement. The rep gave me a {$50.00} credit towards the {$230.00} fees and then transferred my call to a different department. When I asked the new rep, ( XXXX ID # XXXX, Im sure is bogus ) to discuss a settlement, she replied that they can not because they just gave me a credit. I said, the credit that was just given 30 seconds ago? She said yes and asked us not to record our conversation. I then asked her to escalate the call and XXXX said she was it. I asked what was the percentage of Interest, and she said the usury charge of 29 percent. If this isnt the worst case of abusing and taking advantage of consumers, I do not know what is. Please provide some assistance with this situation. 
Thank You In advance.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion and XXXX are in violation of FCRA. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

After having XXXX XXXX go XXXX a major diasaster XXXX XXXX, the bank is offering a moratory of 3 months and then we have to pay the 3 months in XXXX XXXX or go XXXX a loss mitigation process that does not aliviate our diaster process. Some of XXXX have also lost our jobs or have to start from scratch and the bank does not offer a process in order to move these payments to the end of our mortgage.
Product: Student loan

Loan amount started at one payment then the payment grew higher and higher. It finally stopped a couple months ago then rose again this month.
Product: Credit reporting or other personal consumer reports

Equifax has put a personal information block on my credit file and I sent in the proper documents to lift the block, equifax told me the block was lifted so I had 4 companies run my credit and was unable to see my report bc equifax still had the block on which caused me to have 4 inquiries on my credit file for no reason at all but equifax wont remove the inquiries which caused my score to drop and I was denied for all the products even tho my score is XXXX. This has dropped my score like XXXX. I need inquiries removed asap
Product: Credit reporting, credit repair services, or other personal consumer reports

My informations shows with the company XXXX  XXXX legal action pending even though I have been set up and paying a payment plan for the past year now.
Product: Credit reporting, credit repair services, or other personal consumer reports

HARD INQUIRIES i applied to purchase a new vehicle ( and vehicle insurance ) and the dealership submitted my information to several companies that placed a hard inquiry on my credit report. I called the credit bureaus to see what can be done, they advised me to contact each company to have them sent me a inquiry deletion letter but the companies do not know of such a letter. I called the credit bureaus back for assistance and was advised of my options which are to obtain a letter of deletion, file a police report or contact CFPB. I did not want to file a police report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX is in violation of the FCRA by continuing to report unverifiable information on my consumer credit report. The disputed account in question is support by police reports and other identity theft filings. The company has failed to produce the identification used to open the account and yet continues to verify it as accurate. In Suluki v. Credit One Bank, NA, No. 23-721 ( 2d Cir. ) the law requires companies to delete unverifiable or inaccurate information on consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or D.O.B. in order for it to appear in your credit file. The credit bureau has not updated the information as per the new law true bankruptcy listed does include this information and should be deleted from my credit report.
Product: Checking or savings account

On three recent occasions, JP MORGAN CHASE BANK has been manipulating/ reordering transactions on my checking account.

The first two purchases ( same merchant ) were made on XX/XX/XXXX ( for {$10.00} ) and XX/XX/XXXX ( for {$8.00} ) and posted quickly. However, the transaction disappeared a month later, and now reappeared as posted on XX/XX/XXXX - almost a MONTH later. The third transaction ( second/ different merchant ) occurred when I made a purchase on XX/XX/XXXX ( for {$7.00} ) and posted within two days. However, transaction disappeared as well, and now re-posted on XX/XX/XXXX - WEEKS later. 

I called both merchants to verify when they collect and their funds from the bank and assured me that they do so within days. When I called the bank, they deflected stating that it is unlikely merchants collected so quickly and that they usually/can take up to a month to collect funds from the bank. What?? I informed the agent that by logic, no merchant - especially a small vendor would want to wait that long to collect monies, and I reminded her that I had originally seen these amounts posted to my account and now re-posted under a new transaction date as of XX/XX/XXXX. 

No explanation or resolution was offered other than " we're sorry to hear you were inconvenienced '' was offered.
Product: Debt collection

My name is XXXX XXXX and I am a victim of identity theft. I contacted the debt collector IC System and disputed the alleged debt pursuant to the FDCPA and FCRA. As of this complaint I have not received any proof or validation of this alleged debt. I did NOT incur this debt. I am attaching my identity theft notice/report from the FTC in an effort to have this item removed from my credit report.
Product: Credit reporting

I Have disputed items with the creditor, after sending several letters to the creditor and never receiving any response from the creditor. They are in violation and have no verified or deleted the information. 
I have also disputed this same information with all XXXX bureaus and yes they have failed to investigate or remove these items. 
neither the creditor or the bureau have followed the FCRA and i want this information removed an I want an investigation against the bureaus and the creditors.
Product: Credit reporting or other personal consumer reports

They are telling the credit agencies that I owe money. I owe nothing. They never brought that to my attention. Their upset because I had to switch banks, because they fraudulently was taking money out ofy account. And I busted them. I tried resolving the issue with them, but no luck. So I changed banks
Product: Vehicle loan or lease

I have asked Credit Acceptance to remove the XXXX late payment they put on my report after I requested the Covid 19 relived.. Also my car was paid in full XXXX  years prior to the end of the contract. I have disputed this over 3 times. During Covid19 no late payment shouldve been recorded
Product: Vehicle loan or lease

I turned in a truck and I received one invoice stating that they were charging me {$3600.00} in fees. I called GM financial to ask what these charges were and I didn't hear back from them until today. - they claimed it was due to covid. I am doing a refinance on my house and my credit was checked and not only did GM put this terrible mark on my credit, but stated I owed this money, when I had no idea what I was even being charged for and couldn't even speak to anyone due to circumstances with COVID that are out of my control. Now I can't refinance my house. 
Once I found this out, I called GM financial and settled on a payment plan but this is insane and not fair.
Product: Credit card

My Amex XXXX Blue Card, ending in XXXX, had an active 0 % APR offer. Unexpectedly, the offer was revoked when my auto-pay attempted to draft payment from a closed account. The credit card AND payment account were BOTH OWNED BY AMEX, and alternative payment accounts were already connected and authorized. I assumed the system would remove the closed account, considering the company was aware of its status. This situation caused numerous financial disruptions, but I trust Amex will rectify it. The company did not notify me of the change in offer status before the end of my billing cycle, triggering a penalty APR and interest charge. The company claims theyre not obligated to inform customers, which I find surprising as a loyal XXXX customer with XXXX of their credit/lending products. However, they DID notify me when the intro APR term ended on a previous card with an identical offer, so I reasonably expected the same communication. I would have paid the entire balance and avoided the interest charges if I had been notified. Given this additional context of historical precedent, the company 's failure to notify appears opportunistic and malicious. I contacted a support agent via the online chat, who denied my interest waiver request. I then worked with a subsequent agent to close all of my credit cards, XXXX  checking, and XXXX  Line of Credit. This agent suggested I reconnect with a support agent to find an alternative solution " based on my account status and membership. '' So, I did. It turns out that the second agent grossly overestimated American Expresss loyalty because subsequent agents could not have cared less about my membership history. No one attempted an alternative solution, and every agent I spoke with tried to end the chat quickly. This isnt the level of customer service I expected when opening XXXX platinum credit card accounts. I expect the intro offer to be reinstated and the interest charge refunded.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent signed requests to Transunion, XXXX, and XXXX to inquire about the sources used to verify the bankruptcies listed on my credit report. These requests were aimed to validate the accuracy of the information reported in compliance with the Fair Credit Reporting Act. However, only XXXX responded and removed the bankruptcies from my credit report. 

Both Transunion and XXXX failed to respond to my inquiry. So I sent signed follow-up letters to both on XX/XX/year>. Again, no information or updates on the status of my requests have been provided by either agency. The lack of response has left me unable to address and dispute the potential inaccuracies on my credit report, which are significantly impacting my credit standing and financial opportunities.
Product: Debt collection

I attempted to settle the debt with IC Systems for XXXX in the amount of {$XXXX}, I had offered the 40 % of the debt, a women named XXXX offered me a settlement of {$XXXX}, I advised her I would call back. I attempted to settle the debt at {$770.00} and asked them to remove it from my credit report, I spoke with an employee by the name of " XXXX '', who I asked to send me a settlement letter by fax, or email and he advised that they do not do that, that it is sufficient with the recorded call. I asked him a XXXX of times if he was making it clear that he could not do that for me and he offered to get a supervisor, we disconnected the call. Today on XXXX/XXXX/15 I attempted to settle this debt again and this time an employee by the name of " XXXX XXXX '' helped me, I advised him that i wanted to settle the debt but I needed a settlement letter, I advised him I had problems with that in the past, he stated they dont do that. I advised him that I would put in a complaint with the CFPB, he stated " ok go right ahead '', our lawyers have advised us that we can take this action. I repeated myself, asking him on the recorded line " that if I was hearing correctly and that he was not going to provide me a settlement letter '', he stated that his office lawyers have things handled. He then asked me what lawyer I was going to use, I advised him, that it didnt matter and that I was filing a complaint. Then the call was disconnected.
Product: Credit card or prepaid card

Following an over 30 minute arguing with a customer service representative to have them give me a monthly " Travel Authorization '' (!!?? ) to be able to use my XXXX 's XXXX, issued by Synchrony Bank, away from my principal residence, on my winter location, I paid the balance in my account and requested them to cancel the credit card which had accumulated a {$130.00} Cash Back Balance. The bank refuses to reimburse me my earned Cash Back reward.
Product: Mortgage

On XXXX-16 after being presented with a notice of default by OCWEN LOAN SERVICING, LLC I sent a Qualified Written Request for information, including but not limited to the true owner of the mortgage and note. This notice was signed for by OCWEN and completely ignored and now the foreclosure proceedings are in progress. 

Secondly, in a previous foreclosure attempt OCWEN LOAN SERVICING, LLC sent to me a notice indicating that my home was scheduled for a foreclosure sale, while there was no sale authorized or scheduled by the court in SC. After several written requests to verify this with OCWEN, they indicated in a letter that it was factual, my home was scheduled for sale and they would provide further details in a separate letter. This never happened. I sold most of my furniture and was left in a panic, only to find out that the case was dismissed by the SC court for lack of standing by the plaintiff.
Product: Credit card or prepaid card

On multiple occasions I have been preapproved for a new account by American Express. I have gone through there tool to see if they preapprove me for any of there products. I get special customized offers generally with higher signup bonuses than advertised for some products. Yet when I accept the pre-approval I get an instant denial because I am on their black list on a couple of accounts totaling about {$3000.00} worth of balances included in a bankruptcy from 8.5+ years ago that I believe were primarily derived from authorized users purchases that I at the time of filing for bankruptcy requested that American Express reaffirm, so that they would be paid in full and I would still have a charge card with them. American Express refused to reaffirm and charged off the balance. 

I have called multiple times to find out when I will be removed from there black list, or be able to become a card holder again as I have seen on many credit foreums that they have been getting more lenient with people who have had past bankruptcy discharge that included American Express. I have been told not until I pay the {$3000.00} back which to me does not seem fair as they have approved people who have discharged far more than {$3000.00} and have approved the, for substantial credit lines on there revolving cards, and I am currently only looking at there pay in full monthly card.
Product: Debt collection

I have disputed this account with nothing being received. This is unknown and feel I do not owe