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

I called TD bank NA finance department and Car loan department 4 times. I was told they could not find the vehicle on file nor could they locate the vin number I provided them and they could not locate the vehicle in there system. They were able to find a prior vehicle that was written off due to a XXXX, the vehicle I want the title for could not be located even though I paid the loan off and was paying the loan for the 6 years I financed through TD bank. I was told in XXXX they branched off from TD bank finance to TD bank auto loan., I contacted the finance department and regular customer service and was told they have been working on finding the information from when I first contacted TD on XX/XX/XXXX and still no resolution. I need the title because I need to get rid of the vehicle by giving it to another party. I have attached a copy of the information DMV has in there records showing proof TD bank was the finance company for the vehicle.
Product: Checking or savings account

US Bank XXXX says that the account balance is higher than actual balance. They burned me out of many overdraft fees although the account NEVER had a negative balance. They are stealing my money, and I resent it. They are rich, and I am poor.
Product: Checking or savings account

Wells Fargo closed all 6 of my bank accounts I had with them without any regards or notice. They claim that one of my clients disputed a charge of {$39000.00} and because of that they took all of my extra funds that had nothing to do with the payment. I mean they took my savings, and all other funds I have worked hard for and now we are on the verge of losing our home over this. Icalled and they claim there's nothing I can do and there's nothing they WILL do in order to help me. I am at wits end with Wells Fargo.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX member contacted Pioneer military loans multiple times to request XXXX benefits, but never received an answer.
Product: Credit reporting or other personal consumer reports

Westlake financial services in XX/XX/2022, forced performance on a loan which I wished to rescind the contract within 24 hours due to un disclosed damage to the frame of the car. West lake financial has a business relationship that is more personal instead of professional with XXXX XXXX XXXX They took my information from the car dealership and refused to let me return the car. 

I fell into a hardship and they harassed me every single day, email after email, call after call. I have asked them to remove the alleged debt from my credit report, as they have sold the debt and has a debt collection agency call me. I told them all to quit calling me but they refuse. It seems to me there are definitely fraudulent dealings with this financial company. They refuse to honor any laws surrounding consumers rights and force under coercion and duress to sign papers and refuse to allow any review of the actual documents. 

I wrote them certified with a formal request for documentation and they now call me several times a day with automated calls. 

That is illegal and against the law! The Attorney Generals office needs investigate this predatory loan entity operating in several states!!! 

I would like my demand for the original loan documents and ANY/ALL of the paperwork they have with my wet signature. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I completed a background check with XXXX as part of an application to the XXXX XXXX. Within that report, I noticed a couple of incorrect addresses listed for me. One of the prior addresses listed for me on the report is XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. This is the residence address of my younger, XXXX XXXX XXXX. 

But of more concern is under the Personal Information Comparison, there is a comment " High Risk Fraud Alert - Previous Address is a Restaurant/Bar/Night Club. I do not know what address that is referring to, nor have I listed a restaurant as a prior address. I suspect, but do not know conclusively, that that address is tied to another person named XXXX XXXX.
Product: Mortgage

On or about XXXX of XXXX, through collection calls and XXXX mail , we became aware First Citizens Bank XXXX XXXX ) XXXX they had not received our Mortage payment, acct ending in ( XXXX ). We contacted XXXX bill pay and the check had went out more than XXXX days in advance of the XXXX of the month late date. In a panic, my wife sent another check. We continued to receive collection calls and XXXX continued to allege they had not received the subsequent checks. Long story short, we sent nearly XXXX in checks that were subsequently all found and cashed on the same day by XXXX paying our mortgage up months in advance and overdrawing our account. Our investigation through calls to XXXX employees revealed the checks had been " on a desk '' or " in a mailbox '' and not processed in accordance with policies. The employee apologized to us for the clear error on XXXX part. Fast forward to XXXX, when we are again due to resume payments, and it's happened again. More collection calls, letters, but this time on XXXX of our accounts ( XXXX ) and ( XXXX ). When I insisted with the collection agent that I was not going to do anything until XXXX, and the problem was with XXXX XXXX, the next business day, both payments were posted and back dated to XX/XX/XXXX indicating XXXX had received both of the payments on time and XXXX issued a reversal of fees and payment on its own, indicating again an error in processing in a timely manner. As of XX/XX/XXXX, my account reflects past due again, even though I know the payment was sent via my banks bill pay more than XXXX days ago. This happens month after month. The emotional distress this has caused me and my wife is great. The harassing collection calls and letters, when we know the payments are just sitting on someone's desk is maddening. This seems to be a repeated pattern of behavior culminating in needless stress and harassment of XXXX customers. XXXX has taken no action over XXXX months to resolve the issue of their systemic processing failures. XXXX continues to purposefully victimize its clients knowing the failures are their own and knowing clients have no recourse due to current mortgage rate environment. Thusly, customers are forced to suffer abusive collection practices, even though payments have been sent timely. I request an audit and investigation into the XXXX offices mortgage processing practices
Product: Credit card or prepaid card

I AM TRYING TO IMPROVE MY CREDIT SCORE AND RATING BUT WITH A CREDITOR DOESNT RESPONSE OR YOU CALL ON THE PHONE AND INJUIRY ABOUT AND ISSUE REGARDING WRONG INFORMATION ON YOUR CREDIT REPORT AND YOU GET THE RUN AROUND OR YOU REACH OUT TO THE CREDIT REPORTING AGENCY LIKE XXXX AND THEY STATE THAT I WOULD NEED TO REPORT ANY ISSUE I HAVE TO TH REPORTING AGENCY THAT IS A PROBLEM. I HAVE 2 CITI CREDIT CARDS ONE WITH CITI SIMPLICITY AND THE OTHER WITHCITI DOUBLE CARD. XXXX IS KNOWN FOR NOT UPDATING CREDIT REPORT ACCURATLY OR THERE IS A DELAY WITH THEY UPDATE THE CREDIT REPORT. I HAD A BALANCE ON MY CITI DOUBLE ACCOUNT WHICH WAS {$1000.00} WHICH THE CREDIT UTILIZATION WAS XXXX PERCENT WHICH MADE MY XXXX XXXX LOW I PAYED THE BALANCE OFF ON XX/XX/2023 SO THEY CAN REPORT THE ACCOUNT WAS PAYED IN FULL WITH THEY SEND UPDATE TO XXXX BY XX/XX/XXXX WHICH THEY HAVE NOT DONE AS XX/XX/2023 ON MY OTHER CREDIT REPORTS XXXX XXXX AND XXXX IT SHOWS THE ACCOUNT WAS UPDATED CORRECTLY IT NOW 6 DAYS PASS SO WHAT GOING ON LIKE I SAY XXXX IS KNOWN OF NOT UPDATE ONE CREDIT REPORT ON A TIME LESS BASIC WHICH IN FACT MADE CITI DOUBLE CARD TAKE AWAY MY CREDIT CARD CASH BALANCE WHICH I HAD A XXXX CREDIT LIMIT NOW IS DOWN TO XXXX LIMIT AT THAT TIME I PURCHASE A NEW CAR BUT MY OTHER CAR WAS NOT UPDATED ON XXXX CREDIT REPORT CORRECTLY AND IT SHOW THAT I OWE TOO MUCH. LIKE I SAY XXXX DOESNT ALWAYS UPDATED THE CREDIT REPORT ON A TIME LESS SCHUDULE AND ALSO AT THAT TIME I HAD A CREDIT MONITOR SERVICE WITH XXXX AND I USE MY CITI CREDIT CARD TO SIGN UP BUT LIKE BEFORE THEY DIDNT HAVE MY CORRECT ADDRESS ON FILE WITH BOTH OF MY CITI CREDIT CARD WHICH I DID UPDATE ON THE CITI WEB SITE AND I CALLED IN TO VEFY WITH A REP ON THE PHONE WHICH IN TURN XXXX XXXXEP CHARGE MY CITI CARD 6 TIME FOR SIGN UP ON XXXX WHICH IT DIDNT GO THROUGH BECAUSE OF WRONG ADDRESS ON THERE WEB SITE THAT WHEN CITI LOOKED AT XXXX CREDIT FILE AND REVERSE MY CREDIT CASH LIMIT TO XXXX ON BOTH ACCOUNTS MY CITI XXXX CARD AND MY CITI SIMPLICITY TO XXXX ON MY CITI SIMPLICITY CREDIT CARD MY BALANCE ON THAT CARD WAS XXXX AND I PAYED THAT OFF ON XX/XX/2023 THEY SHOULD OF REPORTED THAT A XXXX BALANCE ON MY XXXX CREDIT REPORT ON XX/XX/2023 WHICH IT SHOWS A XXXX BALANCE ON MY XXXX AND MY XXXX UION CREDIT REPORT. I
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX was the last time I made a purchase from Coinbase. 
On XX/XX/XXXX, I was hit with the following charges and their corresponding 'international service fees ' : {$100.00}, {$0.00} service fee, {$200.00}, {$1.00} service fee, {$750.00}, {$6.00} service fee. 
These charges seem to be duplicated because on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I made purchases in the amount of {$100.00}, {$750.00} and {$200.00}. 

I immediately tried to contact Coinbase by phone but was unable to speak with a live person. I submitted a ticket on their website but have not hear back. I realize it has only been a day but a lack of {$1000.00} is detrimental to me. 

My bank does not recognize this as fraud since I have done business with Coinbase before, although they were able to open an investigation and dispute the charges.
Product: Checking or savings account

Direct deposit was authorized on XX/XX/XXXX, XXXX and have been missing that deposit still as of today Chatted thru virtual chat a few times and also a phone call on XXXX XXXX Still the issue is not resolved The amount is {$630.00}
Product: Credit reporting or other personal consumer reports

This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ) and specifically 15 U.S.C. 1692c ( c ), requiring you to cease all communication with me regarding the alleged debt associated with the account. In the amount of {$1100.00} As stated under 15 U.S.C. 1692c ( c ), once you receive this written notice, you are legally obligated to stop all communication with me concerning this matter, except to : Notify me that your further collection efforts have been terminated ; Inform me of any specified remedies that may be invoked by you or the original creditor ; or Notify me of your intent to invoke a specified remedy.

Furthermore, I am formally notifying you that I consider any updates to my credit report as a form of indirect communication regarding this account. If you continue to report, update, or otherwise communicate through credit reporting agencies, I will consider this a violation of the FDCPA.

If this account is in dispute, I reserve the right to validate or challenge its accuracy, and I expect all collection activity to be suspended as per applicable laws. Any further communication with me outside the outlined exceptions or continued reporting on my credit report will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action if necessary.

Please confirm in writing within 14 days of receiving this letter that you have complied with my request to cease all communication and activity related to this account.

You may only contact me to provide the requested confirmation or if legally required to inform me of one of the exceptions noted above. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Good Day, I had contacted Chase for improper hard inquiries on my credit reports as below- XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 If you find that my dispute is incorrect, and you did have my authorization to inquire into my credit report, please send me documented proof of my authorization. 
Thank you.
Product: Credit reporting or other personal consumer reports

I have unauthorized collections and inquiries on my credit report that I did not authorize under the fair credit reporting act FCRA which protects consumers by ensuring the accuracy and privacy of credit information. I have the right to dispute these in accuracies therefore, I am requesting that these unauthorized items be removed from my credit report to reflect my true financial standing, I will list them below. 
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 transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX/XXXX  XXXX/XXXX  XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX/XXXX  XXXX/XXXX
Product: Vehicle loan or lease

Never signed for a loan in Texas with my name on auto title. never agreed to anything such as the purchase itself nor to be put in my name. Someone got a loan in my name without persmission
Product: Credit reporting or other personal consumer reports

Please remove the following : I do not have a contract with my signature attached. I do not have physical proof of any item listed XXXX XXXX XXXX XXXX$210.00} Remove XXXX XXXX - XXXX {$2000.00} Remove I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists and or binding agreement. There is none of which, so I am asking to remove all inaccurate information listed..
Product: Credit card

On XX/XX/XXXX I checked my card balances as I do most days. Noticed that my Care Credit was lowered by {$2500.00}. I called and spoke to several people who were rude and " couldn't tell me anything aside from it was Synchrony 's decision based on a credit report from XXXXXXXX XXXX 

XX/XX/year> it was XXXX due to the XXXX, I did pay most cards off the first of the year. By XX/XX/year> is was already up to XXXX and has only moved up since then. 

On the notice I did receive, it said something to the effect that I did not have any mortgage transactions on my report as one of things they based their decision on. I just went through a divorce and am renting until I figure out my next life move. Me not having a mortgage should not impact my credit score, that's a judgement toward my personal being. 

I used that card for XXXX  work, I had a XXXX XXXXl in XXXX that cost XXXX and I get that interest free for 6 months, which I always pay off on time. This totally messed me up for XXXX thing, I needed a XXXX, which I was putting off until I paid the XXXX XXXX XXXX Second, doing what they did, my credit score went DOWN XXXX points because lowering my limit put me at the top of the credit to card balance ratio leaving me {$30.00}. Third I was so mad at them I paid the balance off on XX/XX/year> and they still have not credited my account. 

I don't know what to do or where to go to fight this anymore.
Product: Credit reporting or other personal consumer reports

I recently submitted disputes to this company in regards to fraudulent accounts and inquiries on my credit report. I have submitted a complaint as well that they have not responded to. I called in today XX/XX/year>, I also called XX/XX/year> and XX/XX/year> about fraudulent inquiries that still have not been removed. This company stated that they can not remove the inquiries because it is associated with a account that is on my report. I contacted the creditor and they have stated that they inquiries that I stated are in no way associated with their company and that they only had one hard pull as was requested of me when I applied. This company has refused to block the inquiries and refused to investigate the issue as well. I believe that they are still continuing to purposefully violate my rights.
Product: Money transfer, virtual currency, or money service

A domestic transfer of {$5000.00} was initiated on XXXX  XX/XX/XXXX from XXXX XXXX XXXX account to my Wells Fargo ( WF ) checking account. The funds cleared XXXX XXXX on XX/XX/XXXX. By XX/XX/XXXX the funds had still not arrived at WF. I called WF XX/XX/XXXX- they recommended I cancel the transaction to receive my funds ASAP. I provided WF verbal approval to cancel the transaction. 

By Monday, XX/XX/XXXX the funds had not arrived back at XXXX XXXX. I called XXXX XXXX- they had no record of any pending transaction. I called WF shortly thereafter. WF saw the transaction was cancelled, but couldn't tell me where the money was. WF refused to provide me a 15 digit trace number stating " that is not WF policy. '' They refused to provide me a timeline, or acknowledge the severity of the issue. They could not locate the funds, and claimed the transaction was cancelled XXXX - this is a lie, and we have phone records to prove it. 

The WF rep claimed a claim was generated, but I do not believe this has actually taken place.
Product: Credit card

I called CITI CARD, and told them I was being shamed by a company called Ignite solution # XXXX, AL. they said XXXX, was being down loaded from my IP address, and possibly other crime .I realized the lie while I gave my card imformation, the rep.from citi XXXX card, said no charges called in XXXX/XXXX/16. I called again on XXXX/XXXX/16 XXXX called back PM that day charges submitted, when I confronted citi card, they said they would investigate/ send to disput department.I have followed there procedure, provided everything asked from me.I haved called XXXX/XXXX/16, was told I have to pay {$400.00} plus interest, i was told I gave card info. I believe they where negligent, by paying this company after I made all them aware of my troubles.I asked them to give me new card # that first call, not nessisary i was told .I was told on XXXX/XXXX/16 they can not do anything about charges, due to me giving card information.
Product: Debt collection

I am requesting a copy of the original purchase agreement/ assignment document of my creditors. According to credit code ( 15usc6802 ) a financial institution may not disclose non- public personal information to a nonaffiated third party. Also, 15usc1681b2, states FCRA that outlines the permissible purposes requires the consumer reporting agency CRAS to provide a consumer reports upon request. 15usc1681- S2A references, creditors reporting information with actual knowledge of errors addition to the requirements. According to 12cfr 1006.34c/18 usc1028a producing information without lawful authority and identification document knowing that such document was stolen or produced without lawful authority. I am requesting the following creditor and inquiries listed below to be removed from my credit report due to not having principal purposes to my credit. According to FCRA I have a right to an accurate credit report. Please remove the creditor listed immediately from my credit report. After remove provide me with a copy of my credit report.