23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Urgent Dispute of Ownership and Request for Investigation Regarding Lexus XXXX Financing Dear CFPB Consumer Response Team, I am submitting an urgent request for your intervention regarding a dispute over the ownership and financial handling of a XXXX Lexus XXXX, financed through Lexus Financial Services ( Toyota Motor Corporation ) and purchased at XXXX Lexus in XXXX, Alabama. This vehicle was originally acquired as a lease on XX/XX/XXXX, and was later converted to an outright purchase as of XX/XX/XXXX. All payments have been completed in good faith, yet I have been unable to obtain the title, and Lexus Financial Services continues to assert a security interest. 

Summary of Issues and Request for Investigation Ownership and Title Release : Despite completing payments and satisfying all financial obligations, Lexus Financial Services has not provided the title to XXXX XXXX XXXX, the business entity that financed the vehicle. I have formally rescinded my signature specifically on the security interest, yet the company has not released the title, which should rightfully be in my possession. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Under the FDCPA, specifically 15 U.S.C. 1692g, Lexus Financial Services is required to validate any debt before initiating collection or asserting a security interest. I have requested validation, but they have provided only vague responses, failing to confirm key details about the debt and its origination. Given that the vehicle is paid in full, their continued claim on the title without validation is unwarranted and may violate FDCPA and UCC Article 9 provisions.

Request for CFPB Intervention : Given Lexus Financial Services ' refusal to respond appropriately and release the title, I am requesting that the CFPB urgently investigate this matter. Specifically, I ask for : Enforcement of the release of any security interest Lexus Financial Services retains on the vehicles title. 
Expedited assistance in obtaining the title to the Lexus XXXX for XXXX XXXX XXXX. 
Additional Documentation Enclosed with this letter, I am including the following : Rescission of Signature and Revoke of Securities interest in title in contract Copies of prior communications with Lexus Financial Services, including my formal rescission of the security interest signature. 
Payment records demonstrating that the account is satisfied and fully paid. 
The UCC filing asserting XXXX XXXX XXXX  ownership of the vehicle. 
Thank you for your immediate attention to this matter. I trust the CFPB will take action to ensure Lexus Financial Services complies with all federal regulations and restores my rights to the vehicle title. 

Sincerely, XXXX XXXX XXXX Manager, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SUNTRUST DBA XXXX has violated the FAIR CREDIT REPORTING ACT ( FCRA ). 15 USC 1681 : SEE ATTACHED DOCUMENTS a. Affidavit of Truth- Copy to company was Signed and Notarized b. Copy of item on Credit Report c. Invoice d. Copy of Certified Mail Receipt
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction were authorized, I was charged fees due to lagged posting for charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX credit collection service 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. its also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other XXXX  information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX  : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit card or prepaid card

XX/XX/XXXX a purchase was made with my prepaid card for XXXX for a XXXX XXXX reservation. I never stayed there nor did i make the purchase. I contacted navy federal on the XX/XX/XXXXwhen i discovered the charge and was given a credit temporarily. They then took the credit back and told me to contact the merchant for a refund and they refused to refund me and told me to contact my financial institution to be refunded. I shouldnt be charged for a purchase i did not make.
Product: Student loan

My daughter and I have retained an attorney ( XXXX XXXX XXXX ) to ( 1 ) attempt to negotiate a pre-litigation settlements of our debts and ( 2 ) litigate the matter if necessary. Navient, the the third party servicer for a yet to be identified student loan trust, is very aware of XXXX XXXX 's involvement in our affair and Navient has been advised he is our counsel. We are also aware Navient has spoken directly with XXXX XXXX and his staff. However, it is our understanding Navient is refusing to negotiate in good faith. MY DAUGHTER AND MY particular complaint herein is NAVIENT IS REFUSING TO DISCONTINUE DIRECT CONTACT WITH US because XXXX XXXX is not simply accepting they insistence we pay XXXX % of the debt owed immediately. As a debt collector for the student loan trust, I belive NAVIENT IS VIOLATING THE FDCPA 's provisions that a debt collector must cease direct communications when they know or have reason to believe we are represented by counsel. They should not be allowed to ignore my attorney and/or not speak with him when they do not like what he is saying. Moreover, they fact he is simply not agreeing with him does not mean we are unrepresented. XXXX XXXX is our attorney until we complete litigation is necessary. Therefore, NAVIENT is knowingly and malicious disregarding the provision of federal collection law.
Product: Credit reporting or other personal consumer reports

Equifax Has caused me a lot of stress because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile!! 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) the banking system is dependent upon fair and accurate credit!! Even the Debt collector is reporting inaccurate information on my profile!! Equifax never informed me what's going on in writing to get the issues resolved, per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( 2 ) is {$1000.00} per violation! This company has caused me a lot of problems, I can't get good rates on insurance or credit or a loan!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, My name is XXXX XXXX XXXX, I am writing to complain on XX/XX/XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have meet the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 
The following are some of the dates of the letters I have mailed out : XXXX/XXXX/20 XXXX/XXXX/20 They're are multiple attempts other then this dates I have attach. 

ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear PayPal Support, I hope this message finds you well. I am writing to address the recent limitation placed on my PayPal account, which has left me deeply concerned and frustrated. My name is XXXX XXXX, and I am a dedicated PayPal user who has always prioritized security and compliance in my online transactions. 

I want to emphasize that there have been no instances of unusual activity on my account. I have consistently followed PayPal 's security protocols, including two-factor authentication via SMS and facial verification, to ensure the integrity of my account. Additionally, I have diligently verified all necessary documents, including my XXXX XXXX  statements, to confirm my identity and uphold PayPal 's standards. 

As a XXXX XXXX living in the XXXX, PayPal plays an integral role in managing my finances and facilitating essential transactions. The sudden restriction on my account has not only disrupted my financial activities but has also caused undue stress and inconvenience. Moreover, the extended hold on my funds further exacerbates the financial strain I am currently facing. 

I am committed to cooperating fully with PayPal to resolve any concerns and restore access to my account. I am prepared to provide any additional information or documentation necessary to expedite this process and demonstrate my compliance with PayPal 's policies. 

I urge you to conduct a thorough review of my account to verify that there have been no breaches or irregularities. The prompt resolution of this issue is essential to restoring my confidence in PayPal 's services and ensuring uninterrupted access to vital financial resources. 

I appreciate your attention to this matter and kindly request your assistance in resolving it as soon as possible. Your swift action will not only alleviate my immediate concerns but also reaffirm PayPal 's commitment to providing reliable and secure financial services to its users. 

Thank you for your understanding and cooperation. I look forward to a positive resolution and the reinstatement of my account without any limitations. 

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

I recently submitted a complaint against Wells Fargo due to them falsely reporting information on my credit report, after asking for a debt verification no information that I asked for was received, the paperwork provided does not bare my legitimate signature, I have no recollection of this account. Despite my request for validation under the Fair Credit Reporting Act ( FCRA ), Wells Fargo Bank , N.A . ( WFBNA ) has failed to provide any response. According to 15 U.S.C. 1681s-2 ( b ) of the FCRA, Wells Fargo Bank , N.A . ( WFBNA ) is legally obligated to ensure the accuracy of the information they report to credit agencies. However, they continue to report inaccurate information, which is significantly impacting my credit rating. This disregard constitutes willful negligence under the law, and I am prepared to pursue legal action to address this matter.
Product: Mortgage

Mr. Cooper is holding {$3600.00} in tax funds due back to me. Ive spent hours on the phone and theyve yet to identify the location of these funds. They are dragging their feet and missing deadlines on resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to call CBNA ... none of the number on various web pages worked.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include em
ails, letters, or notes documenting your interactions with the creditor.

I

nternal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX XXXX and both XXXX  and XXXX came back and verified it as valid. It is my belief that E-OSCAR was their mode of verification and a valid investigation was not done. Credit bureaus and creditors must take certain actions in response. Their duties include conducting a reasonable investigation of my dispute, correcting any inaccurate information, or even removing the disputed debt from your credit report. It is my belief that bothXXXX and XXXX  did not review the evidence presented or even contact the furnisher. I submitted a direct dispute to XXXX XXXX XXXX on XXXX under the under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4 and I  advised them should they find the disputed information to be inaccurate or incomplete, or if Scribe can not verify the accuracy or completeness of the disputed information, they are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. Identification of the specific information being disputed : XXXX XXXX XXXX as shown on my Credit Reports, is showing incorrect information. 

I gave 30 days to validate. But they MUST cease collection efforts, and that includes reporting to the CRAs on myself and the joint responsible party. They are also not allowed to list the debt on my credit report after receiving this dispute, please delete promptly. I asked that they can not call, write, sue, or continue reporting to the CRAs. 

Basis for dispute : I was asked by the owner to take over the lease early from the existing tenants due to their inability to fulfill their financial contractual obligation. However, we never received any documentation of what issues or damages were made by them before we moved in. These damages belong to the original XXXX primary lease/account holder ). 

We paid a deposit between the amount $ XXXX {$1500.00}. For this alleged debt, no document of where that deposit was applied was ever reported. We never received the deposit back. This reported balance is incorrect ( agencies XXXX, Experian and XXXX  ) Date first reported XX/XX/XXXX ( XXXX, Experian and XXXX  ) is incorrect. 

Copies of all maintenance requests that were made from the original tenant that we took over the lease for plus our requests/approvals from the owner until our lease term ended was never provided to myself or the joint responsible party. 

Unauthorized charges were made due to the vendor invoices from each vendor that was used upon move out to fix alleged damages. 

Scribe violated my rights by not responding because they knew they had not ever notified or validated the debt they contacted a " collection agency '' 10 days after I told them no further collection efforts should be made until validation deadline XX/XX/XXXX. This is completely
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed this account stating : " This account is incorrectly reporting that I have 13 late payments. On my Transunion report there are 0 late payments being reported. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

also this account was found to re-age my account and i have proof of the re-aging and its still on my report. 

according to consumer law re-aging is illegal and has the consequnces of immediate deletion from the bureau reporting it but also this credit bureau says it verified the account to be accurate and didnt catch the re-aging... so that means the verification of the debt was never done and just falsely claimed. 

i reported XXXX re-aging my account to XXXX and requested that they remove the debt because according to consumer law " When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. '' XXXX said they did an investigation and the re-aging dates were still on my account. 
as per the attachment XXXX never did an investigation or made sure the debt was valid on their site. 

XXXX  let XXXX  re-age my account for their persoanl gain. 

XXXX complied with XXXX and since transunion gets paid by XXXX to report both parties willfully conspired to deceive me and harm my credit for their profit and gain. 

they claim it was opened on XXXX last reported was XXXX date /last active was XXXX date of last payment was XX/XX/XXXX how could i have made a last payment on XX/XX/XXXX and my account was last active on XX/XX/XXXX. 

also on transunion they reported my activity was on XX/XX/XXXX. 

they re-aged my account from XXXX up three years to XXXX. 

to have this account deleted and monetary resolution be given to me in the form of {$2000.00} for the finanacial harm they caused
Product: Credit reporting or other personal consumer reports

Ive attempted to contact XXXX numerous times to alert them that I do not have a contract with XXXX XXXX XXXX, and that is not my address. They refused to remove it after I explained that it was harming my credit. I alerted them that I would pursue damages as well for violating FCRA laws governing consumers.