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

I paid off my car loan with Ally Auto on XX/XX/2020. On XX/XX/2020 I received an email stating that the title was released and I should see it in 7 days. I called in XXXX to ask where it was. I was then told that they did not have it that the DMV in CT had it. I then emailed the DMV and was told that they did not in fact have it, that the lean holder has the title. I then called Ally back and was first told that the DMV has it until I told them that I already talked to the DMV. Then they changed their story and said it was already mailed out. I then asked for the tracking information and was told that they miss placed it. They then went on to tell me I had to pay for a duplicate tile and when I refused to do so they ordered one for me. I then received an email on XX/XX/2020 stating it was just sent out to a 3rd party. So I gave it time to get here and it never showed up. I just called them back today and was told it must have been sent to the wrong address and that they would order another duplicate title. My car is now unregistered and I can not drive the car that I paid off in XXXX.
Product: Bank account or service

XXXX/XXXX/XXXX my cell was spammed as I rec 'd nonstop texts/emails. XXXX I began to receive nonstop robocalls as well as texts, emails & voicemails. XXXX advised me to use my phone in airplane mode and wifi. I could not use my phone via cell tower until XXXX when, for some reason, the spamming stopped. XXXX a thief using a fake unauthorized debit card in XXXX withdrew {$3000.00} from XXXX of my bank accts from a Chase branch ATM ( no cameras ). thief answered my " highly secure '' questions and was recognized by the Chase electronic voice to be me. I did not receive a text/email alert b/c my phone was inoperative. the XXXX withdrawal transactions were approved. thief then requested Chase transfer by phone ( XXXX ) {$2500.00} from XXXX different accounts & thief withdrew the rest of my money down to the last XXXX in a XXXX check cashing store ATM in XXXX NY. the XXXX transactions took 27 minutes. on XXXX my phone was working. I checked my accounts and immediately alerted Chase and the police to the fraudulent activity and theft of cash from my accounts. XXXX Chase rejected my claim of the {$5500.00} loss and I am appealing. combo phone spamming/debit card theft is something " Chase had never heard of ''. they are accusing me of sharing my information with someone, including my debit card, PIN and all of my secure information. I did not share any of this information. I have my authorized debit card in my possession at all times and I certainly did NOT give out my credit reports to anyone. the " highly secure '' questions are asked randomly by the bank and taken right off a person 's credit report. there have been no credit card purchases or accounts opened in my name - this crime was specifically for the theft of cash money. as of this date, XXXX XXXX, XXXX, Chase is not cooperating to reverse their conclusion that I am a thief.
Product: Checking or savings account

I noticed Sunday XX/XX/2019 that funds were being taken out of my account for about a mouth and I didn't notice till 3 charges of {$500.00}, {$510.00}, and {$550.00} were made in the same day. Turns out funds had been charged that added up to $ XXXXover 3 or 4 months. I was very upset and called my bank ( Bank of America ). They assured me would be taken care of and refunded back in to my account. I did not authorize these charges. They told me funds were transferred to a cash trading company. Someone using my debit card information to transfer money from my account to a company called XXXX XXXX XXXX which I did not open or have an account with this company. I called this company and they would not give me any information of account and how funds got there or where they went except to tell me the funds were moved by transferring cash and bitcoin. My funds in my Bank of America account were stolen from me to this XXXX XXXX XXXX and my bank has denied me fraudulent reimbursement. I want the fraudulent stolen funds refunded back to me. I have notified the police and have canceled my old debit card and received and new one. All of this was done electronically without my knowledge, conceit, or approval. I never signed or approved any of these transactions and I need a chargeback or funds returned back in to my checking account.
Product: Credit card or prepaid card

Since roughly XX/XX/2021 I had someone fraudulently using my card that stole my identity and attempted to change payment method of how the card was paid for and maxed the card out and made multiple payments that went through and kept using the card and all the payments got reversed. I was on vacation and dont monitor the card too much as I always had it on autopay. Would review every 90 days or so to review charges. Upon reviewing I discovered a major problem on both of my XXXX cards. My XXXX card and my XXXX. If you look at my history I have always made my payments. I believe along time ago their may have been a missed payment cause I switched banks and autopay didnt work properly but I have great credit and good standing with XXXX outside that. I attempted to call them to resolve and they said that there is nothing they are going to do. I escalated it up as high as allowed and they said they would not help me and that I owe the balance. This is not credit protection and they in no way shape or form attempted to help resolve the situation. I called several times back to make sure I just didnt get someone that didnt know what they were doing and they tell me the same thing. I have been a long time XXXX customer for close to 10 years or more and always had good standing with them. I am a victim of fraud and identity theft and they acted like they didnt care. I need this investigated cause alot of money has been charged against me that I had no control over and I cant get any cooperation or protection to solve this. I hope you will be able to get to the bottom of this. I have filed every identity XXXX XXXX I can but this is so wrong and I cant believe after so many years of loyalty and business with them that this is how I am treated or is how they think this is ok as to how it should be resolved. I am going to hire an attorney next if they dont resolve this promptly. Thank you for all and any help you can assist me with in this matter. XXXX bless.
Product: Mortgage

This is a detailed Email from my Realtor : to the COE of XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX '' We have sent everything ( XXXX ) need to process the loan for XXXX XXXX XXXX, XXXX at least two weeks ago and we still do n't have a closing package at the Title company for the HUD and closing. 
This is a Fannie Mae loan and I have been telling everyone all along and especially over the last two weeks that we MUST HAVE THE FILE TO TITLE 48 HOURS BEFORE CLOSING. 
The file was complete Thursday, XXXX XXXX with corrections on name and ready for underwriter. I expected to see it arrive at the Title company and have a HUD done on Friday only to be informed by your local representative, XXXX XXXX, that nothing had been done yet but should be done by early week. 
I requested the file to be complete and sent to title on Monday so we could close on Wednesday. Your employee XXXX XXXX stated that " closing date is XXXX XXXX so the file will be there the XXXX ''. A FANNIE MAE LOAN NEEDS TO BE AT TITLE 48 HOURS BEFORE CLOSING!. 
I have talked with XXXX and he can not seem to get the file escalated enough to meet the deadline as of yet. WE have 2 hours to meet the deadline - see email from XXXX XXXX at XXXX XXXX. If it is not there by XXXX EST, we will not make the closing. 
My buyer has given extra time in planning his life ( we have moved the closing from XXXX/XXXX/15 to XXXX/XXXX/15 to XXXX/XXXX/15 ) but we have maxed out his time. He will be without a home XXXX if this does n't close on time ''. 

No one took the time to explain to me why we could n't close on each of the previous times listed. This has been a great waste of time and money for me. Now as of the XXXX of XXXX I will not have a place to call my own due to the fact that I picked XXXX as a lender for my XXXX loan. Overall this has been a awful experience. I am disappointed, angry and very unhappy. For more than a month, this has been happening. Thankfully, I have detailed email threads for proof and investigation by attorney. 

Hope this helps someone. 
Thanks XXXX.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. XXXX XXXX XXXX, Account # XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me a updated credit report after you have completed your investigation and corrections. Your Cooperation and prompt attention are greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of identity theft due to a recent data breach. As a result, fraudulent accounts have appeared on my credit report that I did not authorize. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from my credit file immediately : Fraudulent Accounts : XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$3700.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$450.00}
Product: Debt collection

I initially contacted this company in XXXX of 2020 requesting this company to send me validation of the alleged account. The company has not replied in 60 days. This is a violation of my privacy rights, the FCRA, and the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day XXXX XXXX XXXX XXXX : I wish to file a complaint against Barclays Bank Delaware, issuer of XXXX  XXXX for damaging my credit by their own admitted error, then refusing to fix it. 

On XX/XX/XXXX, XXXX XXXX XXXX charged my XXXX credit card in the amount of {$99.00} for its annual membership fee. Had that charge remained active, it would have been due in XX/XX/XXXX. 

On XX/XX/XXXX ( before the payment was due ) I called XXXX and they agreed to remove the annual fee charge and close the credit card account. I was assured by the Barclays phone rep that the account had XXXX balance and that it was safe to close. 

Several weeks later ( late XX/XX/XXXX XXXX, I happened to check the Barclays app, and I noticed that the card still showed a {$99.00} balance. Concerned, I called XXXX and asked why a charge was showing. They assured me that the app was wrong and that the account had XXXX balance. 

Fast forward to XX/XX/XXXX. I financed a car and was informed by the auto loan company that I did not qualify for low interest rates because my credit score was XXXX. I was shocked as my score has been between XXXX for years ; I have never ever missed a credit card payment. I check XXXX  and lo and behold, my score dropped by XXXX points on XX/XX/XXXX due to Barclays inaccurately reporting a missed payment of {$99.00}. 

I have called Barclays an additional two times since then to get this resolved and each time I was assured that the late payment report XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was their error due to a system glitch and that they would get it resolved as soon as possible. However, as of today they have not even removed the {$99.00} showing due on my account! I will also be sending Barclays a certified mail letter on Monday. 

This error of Barclays has cost me both money every month for car loan interest, and also makes it difficult for me to rent an apartment until this is fixed. 

To summarize, I wish to file a complaint against Barclays Bank Delaware for damaging my credit score due to their system glitch then refusing to fix the error after being contacted three times about it ( I will also continue to contact them and follow up on this ). 

Thank you.
Product: Credit reporting or other personal consumer reports

I noticed these inquiries and my credit Report. I did not authorize these companies to run my credit. They are fraudulent. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Closed our Loan XXXX, 2020 and as of today after several attempts to get answers from my lender, Carrington Mortgage Services, my title as not yet been filed. Although my loan has been closed and funded the title work still has not been filed. I have been trying to do another mortgage transaction and since the title from my loan that closed in XXXX, 2020 has not been filed I have not able able to proceed. I would appreciate it if I could get some help in getting this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax on numerous times via phone and I have also sent in many disputes about fraudulent credit inquiries on my credit profile, I have also sent in a copy of my identity theft report and still the fraudulent inquiries remain on my report. I contacted Equifax on XXXX XXXX XXXX XXXX.
Product: Mortgage

As per the instruction of the State of Washington, Department of Financial Institutions, Division of Consumer Services, Specialized Loan Servicing, ( SLS ), has been asked repeatedly and failed to supply me with all legally recorded Assignments of interest for XXXX XXXX XXXX XXXX XXXX XXXX  XXXX along with all other questions pertaining to this and previous Qualified Written Request. As to date, we are unaware of who the true, legal Owner of the Note and Deed are, ( SLS stated we were not privy to these documents UNTIL loan paid off in full! ) where the Deed and Note are kept, if they exist and if kept together, who the Master Servicer is and if this party ( Trust ) is receiving payment from a third party, whether that party has rights of subrogation or is satisfied by some other fee or revenue. Since SLS will not provide the answers to our questions, nor who legally owns this mortgage, ( legally recorded proof ), as SLS has failed to provide us with any Assignments or a complete Chain-of-Title, and therefore, we have no way of contacting anyone in Washington State of this fraudulent practice to acquire the documents we are requesting other than SLS. As I have continuously requested, to no avail, we are asking once more for SLS to provide to us this information and requesting an investigation into this situation/dispute and for your Agencys help in getting this important information from SLS. 

I would also bring to your attention the fact that while my case is currently under Review and in Dispute Status with SLS, and all documents have been received and acknowledged for a modification, yet SLS continues to practice Dual Tracking by keeping the XX/XX/2021 sale date showing SLS in contempt of Federal Laws, causing severe damages by not allowing me a fair review and not showing good faith in their process for modification nor settling this Dispute. This property is in Arbitration currently, has a Lis Pendens filed, along with a non-answered Qualified Written Request previously sent to SLS and yet continue forward without adequate legal response while harassing me with a XX/XX/2021 sale date! 

SLS has also admitted verbally by phone that they intend to continue with the XX/XX/2021 sale date while being in Dispute Status and stated they do not have to abide by any laws that state they are to cancel this sale date while complying. SLS has also stated repeatedly that they do not have to abide by the CFPB Dual Tracking laws as they have their own rules. We have been told that SLS might postpone the sale date 15 days prior to XX/XX/2021 or may not. SLS stated that having my full package in review for months has nothing to do with postponing the sale date or modification. When we bring up Dual Tracking, we are told it doesnt pertain to them and SLS doesnt interpret it as Dual Tracking. ( Having a sale date while all documents have been received and is in review ). They said they hold the right to go through the review as long as they want right up to the sale date can deny us and keep the sale date and go through with the sale for any reason and without communication with me, and call this transparency!
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered a debt consolidation program about 2 years ago with XXXX XXXX XXXX. I included an active account with XXXX  which was a consumer loan for home improvemen ( bath fitter ). I completed the program in XX/XX/2022 and paid all of my creditors in full including XXXX This account was negotiated and settled for a lesser amount than owed. All three credit reporting companies continue to report incorrect info including that the active status of the account is still charged off. On all three reports, the account continues to report as XXXX charge off, even after several dispute attempts and providing proof to the credit reporting agencies that they have been paid in full directly which I have confirmed with XXXX XXXX XXXX. Not only are they reporting an incorrect status, there are several errors and inconsistencies among all three reports. I am filing a complaint so that I can find resolve and understand as to why they continue to report incorrect information after being paid in full. Even after several disputes. They are hindering me from trying to improve my credit score and situation. which is why I entered a debt relief program to begin with.
Product: Checking or savings account

Recently I took a trip on a cruise and they put a {$100.00} hold on my debit card on XX/XX/XXXX. The day I arrived back from the cruise, XX/XX/XXXX, XXXX had released the hold, and charged me for my final bill. I have asked CashApp if we could possibly remove the pending charge, as I have already paid the final bill. They told me to provide certain documentation from XXXX. I provided said documentation, and they said theres still nothing they can do. I showed them the documentation of the final bill that matches the charge on XX/XX/XXXX. I have contacted CashApp numerous times and instead of trying to help, they give me the same automated bot response. They simply do not care enough to act on this issue. The fact there is a pending charge from the XXXX of XXXX, 16 days now, leads me to believe this may be of ill intent
Product: Credit reporting

I have tried twice to obtain my free credit report from Transunion because i was denied credit and they have denied me access to my report or credit score online. I went to XXXX and i was able to obtain both my XXXX and XXXX reports so that i may begin disputing the inaccuracies on my file and they have denied me over and over again and i have been unable to speak to anyone on the phone or via mail. May i please get a copy of my report already, this is getting so strange I keep answering all of my security questions correctly and they continue to ask for more time or more verification. I do not understand why they are stalling.
Product: Credit reporting or other personal consumer reports

I have no liability to ABILITY RECOVERY SERVICES for they are a third party debt collector and I have contract no with them. ABILITY RECOVERY SERVICES brought the debt from XXXX in which the debt would had to have been charged off. A charge off is considered income and income can not me reported to credit report because it turns into a certificate of indebtedness. I would like ABILITY RECOVERY SERVICES to provide me the direct contract between them and XXXX showing that they are authorized to collect for XXXX  and they are not a company that just brought a debt. They have also violated the Privacy Act of 1974 and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I was never given a notice or a way to opt out of ABILITY RECOVERY SERVICES, XXXX, and XXXX reporting this to my credit report.
Product: Credit reporting or other personal consumer reports

I have disputed this account from XXXX XXXX XXXX XXXX which is reporting a balance for {$620.00}, I have no knowledge of this account and it shouldnt be on my credit report. This account has been removed from XXXX and XXXX but TransUnion continues to let the account remain on my report. 

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Money transfer, virtual currency, or money service

I requested XXXX XXXX to send me a few dollars because i had fell on hardships. She sent funds to my cash app account. The only account listed was my old account information and she used that. I never received any funds and we both called cash app and talked to an agent about the issue and they refused yo comply with adding the funds from the old account to the new one. After several calls from both parties they refused to transfer the funds to the right account or return funds back to the sender. My complaint number XXXX and XXXX. I have two complaint numbers because i tried to resolve this issue with them twice with no relief.
Product: Debt collection

I began getting multiple phone calls on my cell phone on XXXX XXXX, XXXX and XXXX, XXXX as well as my wife 's cell phone asking for me. 
I did return the call and it is XXXX XXXX agency telling me they are trying to collect a debit from XXXX XXXX, XXXX. 
I have never received any notices regarding this in the past almost 5 years and they insist they have been sending them. 
They verified my address correctly and told me they would be reporting to the credit bureaus until I paid this debt. 
I have no information regarding what it is for. 
They said they would mail be something and they continue to call my cell phone today twice already. 
At this point, they are harrassing me and will not give me any information. 
Why have they not been bothering me in 5 years and starting now? 
I have had the same cell phone number since then and same address. 
I fear this is a scam.