23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Vehicle loan was paid off XX/XX/2021 by check delivered via overnight carrier, together with a letter detailing where to send title and lien release. Nothing was received. Did some research and discovered Florida is an electronic title state, so it made sense that nothing was received in the mail. Planned to sell car in XX/XX/2021 and discovered lien was never released. Have spoken with 3 different US Bank employees, each of which acknowledged the loan is paid off. One said I would receive a paper lien release after 3-5 business days, one said the lien release was being researched, and one said she would talk to some people and get back to me, which she has not done. I have called her and she has not returned my call. 3 weeks have passed since my first phone call to US Bank regarding this matter.
Product: Debt collection

Equifax has been placing negative items on my credit report and it's making my score go down. I've tried contacting them to let them know that those negative items are not mine and they refuse to remove them. I was denied a house loan because Equifax is reporting false late payments from these accounts that are not mine. I called both companies which are World finance and Security finance to find out more information about these false credit lines and neither company can find me in their system. They are not able to find me with my social security number, name, date of birth or address. I've informed Equifax and still, they have refused to remove them. I asked them if they sent the dispute to both companies and a gentleman told me that they had sent out a dispute on XX/XX/2021. I called both companies to verify if what the gentleman told me was true, unfortunately both representatives from both world and security finance told me that information was incorrect. I called back on XX/XX/XXXX, XXXX and XXXX and still neither company hadn't received a dispute from Equifax. I want more information on seeking legal reparations from Equifax for the harm they have caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX BANK ACOOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, AND XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

** [ Your Name ] ** XXXX XXXX ** [ Your Address ] ** XXXX XXXX XXXX ** [ City, State, ZIP Code ] ** XXXX, XXXX  XXXX ** [ Your Email Address ] ** XXXX ** [ Your Phone Number ] ** XXXX ** [ Date ] XXXX **Consumer Financial Protection Bureau*XXXX XXXX XXXX XXXX XXXX XXXX  XXXX **Subject XXXX Complaint Against Experian for Violations of the Fair Credit Reporting Act** Dear CFPB, I am writing to file a complaint against Experian regarding their handling of my credit reports and their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically the following sections : 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). 
**Background : ** My name is XXXX XXXX XXXX XXXX and I have been actively working to improve my credit. I sent dispute letters to Experian on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Despite my efforts, Experian has not complied with the legal requirements under the FCRA to conduct a proper investigation of my disputes or to remove inaccuracies from my credit report. 
XXXX*Specific Accounts in Dispute : ** XXXX. XXXX XXXX ( XXXX ) XXXXXXXX XXXX  XXXX ( XXXX ) XXXX. XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX ( XXXX ) **Recent Developments : ** I recently became aware of the lawsuit filed by the CFPB against Experian, which alleges that Experian has engaged in sham investigations of credit report errors. This lawsuit highlights the issues I have been experiencing, where Experian does not properly investigate disputes and fails to remove or reinsert errors on reports, thereby threatening consumers ' access to credit, employment, and housing. 
**Request for Action : ** Given the circumstances, I request that the CFPB investigate my complaint against Experian for their non-compliance with the FCRA XXXX I seek resolution in the form of : these accounts to be deleted from my credit report - A thorough investigation into my disputes. 
- Correction of any inaccuracies on my credit report. 
- Assurance that Experian will follow proper protocol in future investigations. l appreciate your attention to this matter and look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

I have already submitted a complaint with XXXX XXXX XXXX. After submitting the complaint in XX/XX/XXXX they put a code XXXX to stop reporting to the Credit Bureau even after there investigation on my payments they found in there own favor for the year of XXXX and XXXX that I knew nothing about. and within two months of my spouse deceased they threaten me with foreclosures. I truly am thankful for XXXX XXXX XXXX for coming in at a time of hardship. I have been in my home since XXXX that was the first time I have been late and not knowing because of the way the state of XXXX   XXXX XXXX were sending in my payments towards XXXX XXXX XXXX   XXXX. XXXX XXXX XXXX were paying at that time, of hardship. Since I had made the complaint against XXXX XXXX XXXX. I am submitting another complaint the reason XXXX XXXX XXXX XXXX XXXX XXXX put a hole on payments to the Credit Reporting agency. This is not acceptable. When you are making payments on time. They also are rejecting to remove the code. without even a reason why it was placed? Whatever the reason I'm requesting it to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an email from XXXX XXXX, a MasterCard that I did not apply for an application for. The time of this email was at XXXX XXXX. The bank that approves this XXXX XXXX Credit Card is XXXX, as I was affected by a XXXX XXXX XXXX when I applied for a credit card back in XXXX. Second, XXXX XXXX XXXX XXXX states, " derogatory public record collection filed '', that I had already filed with the FTC, but was not provided a reference number for that complaint. Moreover, states, " lack of recent bank/national revolving information which seems to be an invalid reason due to reasons that do not apply to myself from my credit report. I was also affected by the Equifax XXXX XXXX that I refiled on XX/XX/XXXX, a claim confirmation, submitted claim id # is XXXX, a confirmation code # XXXX XXXX XXXX XXXX XXXX has XXXX informed to a XXXX XXXX with a permanent case number of XXXX. As evidence to confirm this complaint, a XXXX XXXX card I previously had was illegally attached to a XXXX XXXX account ending in XXXX, and XXXX XXXX dispute case number is XXXX XXXX. I am applying the Equifax XXXX XXXX and the XXXX XXXX XXXX from XXXX - XXXX has UNRESOLVED and continues to affect my ability to having accuracy reporting from the " Fair Credit Reporting Act '' as deemed by law that I as a consumer. This same complaint is for a XXXX, XXXX and XXXX store credit card, as well as a Master Card. The same invalid reason of " Derogatory public record of collection filed '', and secondary invalid reason is " Lack of recent bank/national revolving information '' when I have information that differs from what the " Fair Credit Reporting Act '' complies with. I have a claim with the Equifax Public Record Settlement from XX/XX/XXXX, a letter confirming this from the Claims XXXX from the Equifax Class Action Settlement. I am seeking punitive damages due to the inaccuracy of XXXX ) invalid, not applicable denial reasons that do not apply to my credit history since these XXXX data breaches still have NOT BE RESOLVED of an unspecified amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 9 accounts that are not mine I have disputed these accounts with the bureaus and I have not heard anything back. Since XX/XX/2020 I have sent out multiple disputes and still nothing. I need to have these taken care of since this is identity theft and I don't need some random accounts on my credit. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  CARD Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an issue with Transunion deleting an account by the name of ( XXXX XXXX XXXX XXXX {$100.00} or {$100.00} ) that does not belong to me. The other credit bureaus have done their due diligence and investigated and removed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander should not be reporting to XXXX and XXXX a chargeoff in the amount of {$1100.00} on the SANTANDER CONSUMER USA partial account number XXXX. ( Please see page attached from my credit report. ) I had XXXX insurance at the time and the claim was paid in full. There is no outstanding balance due and therefore there is no collection/chargeoff to report. ( I have attached a copy of the check from XXXX for {$6100.00} dated XXXX along with a letter confirming the payment from XXXX XXXX dated XXXX. ) This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted Santander as well as the bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to formally request Theo immediate removal of unauthorized inquiries on my credit report. I did not authorize and that were made without a permissible purpose as outlined under the Fair Credit Reporting act ( FCRA ) 15 U.S.C 1681b. 
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 XXXXXX/XX/year>
Product: Credit card or prepaid card

Navy Federal Credit Union is refusing to help me regarding an overcharge for an XXXX XXXX XXXX 
XXXX, without my knowledge, consent, or even attempt to inform me, increased a rate that I had been paying for approx 7 months by XXXX the amount. After reaching out to XXXX several times and threatening a charge back, XXXX finally said they would adjust the charges. However, they did not provide the adequate refund, and still charged me approx {$400.00} too much, even after refunding a little over $ XXXX. As promised, I began the charge back process seeking the additional amount ( wasn't trying to get a reversal on the full amount, just the overpayment amount ). Because I was never even informed of, and obviously did not authorize ( no signed contract ) these charges, when NFCU asked for documentation to support my case, I told them I had none because how can I possibly have a copy of a contract that I did not sign?? NFCU refused to help me and even after contacting NFCU a second time, refused to help me. The following quote was my second contact attempt to NFCU, which they replied with a denial to help me. 

" You guys closed this dispute because I " did not provide documentation '', but I clearly stated that I did not sign a contract, so how would I have documentation of something I did not agree to??? I stated that if you requested a signed contract from the merchant, that they would not be able to provide one, since I did not sign one, so you guys turned around and asked me instead??? That literally makes no sense at all. This needs to be resolved ASAP, or I will be forced to contact the Consumer Financial Protection Bureau. ''
Product: Credit card or prepaid card

I booked a XXXX rental car through Citibank thank you points and needed to change the dates as I could not travel. When I tried to change the dates or cancel and create a new reservation, I was told that I would lose the over {$300.00} in points I used for the car reservation. This is not fair or right that they would not at least allow me to change the dates of my reservation. I contacted Citibank, I contacted the thank you points department and I contacted XXXX rental car. None of them would help me. 
Citi Thank You Booking ID : XXXX
Product: Debt collection

Portfolio Recovery has reached out to me regarding a past due bill amount that they claimed to have took ownership of from XXXX XXXX previously owned by XXXX XXXX XXXX they told me that I owed a large amount of money which I disputed I asked the company to send out an itemized list of the purchases that I had made. Also a list of the interest fees, how did they accumulate to that amount. 
I have yet to receive any of the information I requested especially the information regarding the interest and the total amount that they were asking for they reported to the credit bureau, filed a complaint with the court system to sue me threaten me. Constant calls of harassment and I have been trying to work this company to resolve this debt. They have not provided enough information to show ownership of the account because there is another debt collection agency claiming to own this account also for a lesser amount of money that they are saying I owe on the account.
Product: Mortgage

Our client is the son and heir of his parents, who were the co-owners of their home in which our client is currently residing. His parents, who purchased their home in XXXX, recently passed away. Our client was the administrator of his mother 's estate, which was recently closed. He has contacted the servicer to request that he be allowed to assume the loan and to discuss his loss mitigation options. The servicer refused to communicate with either him or his brother, the only other heir and successor-in-interest, at all and quickly began foreclosure proceedings. The client has provided the servicer with copies of his parents ' death certificates, estate documents showing that he was the administrator of the estate and a written request that the servicer communicate with him. The servicer refused and stated via correspondence, that the client should contact " our customer directly for information or to be authorized to receive information on the account. '' As XXXX customers are XXXX, that is impossible for the client to do. The servicer has not acknowledged, in writing the notice of error that it was sent. The servicer 's refusal to speak to either of the heirs has caused them to incur additional arrearages, costs and the necessity of retaining an attorney. The client and his brother are the only successors-in-interest and wish to assume the loan and to be evaluated for loss mitigation, but have been unable to do so.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Phone : XXXX Email : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Unauthorized Hard Inquiries on Credit Report To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries that appear on my credit report. I did not authorize the following companies to access my credit file, and therefore, these inquiries should be removed from my report immediately. The hard inquiries in question are : XXXX Date of Inquiry : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Scheduled to Remain Until : XX/XX/XXXX XXXX on XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX IA XXXX XXXX to Remain Until : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, TX XXXX XXXX to XXXX Until : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, OR XXXX XXXX to Remain Until : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Scheduled to Remain Until : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX XXXX to Remain Until : XX/XX/XXXX Legal Basis for Removal Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), hard inquiries should only appear on a credit report when the consumer has provided express written consent for a credit check or application. Since I did not authorize these inquiries, their presence on my credit report constitutes a violation of my rights under this provision of the FCRA. 
Additionally, 15 U.S.C. 1681c-2 requires that any information related to identity theft or unauthorized transactions must be blocked within 4 business days of receiving notice from the consumer. Since these inquiries were unauthorized, I am requesting that you block and remove them from my report as required by law.

Request for Resolution I am requesting that these unauthorized hard inquiries be removed from my credit report immediately. If you need further information or documentation to proceed with this dispute, please inform me promptly. 
Please provide written confirmation that these inquiries have been removed from my credit report within 30 days, as required by the FCRA. 
Thank you for your prompt attention to this matter. I look forward to your swift resolution of these inaccuracies. 
Sincerely, XXXX XXXX
Product: Debt collection

I have owed money to a debt collector for years for a credit card with a max of {$5000.00}. I maxed out the card and never had enough to pay for it until now. Recently I was contacted by an office who just bought my debt. They as the other company before them states the total I owe at over {$10000.00}. I have never agreed with this amount and even though I verbally and written requests for a history, specifically on the amounts added and why, but have never received an explanation or history to when and why the amounts were added. 
I understand there would be court costs, final fees, and fines, but doubtful over $ XXXX worth. I defaulted on two other cards at the same time as this one ( both now paid ) and never had anything added to the cards ' max other than court fees. One of the cards even took years to pay off. 
Also I have asked to see if their total included previous payments including garnishments. The last person I spoke with stated she only saw XXXX garnishment for {$400.00} when there should be around {$1000.00}. I have the paperwork from a certified accountant who did payroll for my last job as well as pay stubs for proof. 
I have been making payments and to show I was sincere in paying this off started by sending them a {$4000.00} money order and have made multiple {$600.00} payments over the past 10 months.
Product: Vehicle loan or lease

NAME ON LEASE : XXXX XXXX XXXX ACCOUNT NO. : XXXX VEHICLE : XXXX Hyundai XXXX XXXX XXXX XXXX XXXX : XXXX CAR PAYOFF WAS DONE PER BELOW : Dear XXXX XXXX XXXX XXXX Pursuant to your request, we are pleased to provide you with the following quote of the amount necessary to exercise the purchase option under the terms of your lease agreement : Unpaid Lease Payments due through : XX/XX/XXXX Unpaid Late Fees : {$0.00} Other Amounts Due : {$0.00} Adjusted Unpaid Lease Balance : {$21000.00} Sales Tax : {$1900.00} Less : Security Deposit {$0.00} Total Purchase Price : {$22000.00} HYUNDAI WAS ADVISED MONTHS IN ADVANCE I HAD A NEW ADDRESS IN NEVADA AND I PERFORMED THIS ONLINE WITH HYUNDAI MORE THAN ONCE PRIOR TO MY SENDING HYUNDAI THE FULL {$22000.00} SHOWN ABOVE BUYING THE CAR OFF THE LEASE END OPTION. 

HYUNDAI AS YOU CAN SEE ABOVE CHARGED ME THE LEASE END SALES TAX IN THE AMOUNT OF {$1900.00}. HYUNDAI OWES EITHER CALIFORNIA OR NEVADA THIS SALES TAX AMOUNT, HYUNDAI HAS ACCORDING TO CALIFORNIA NEVER PAID THEM THIS {$1900.00} SALES TAX THAT I PAID HYUNDAI.

HYUNDAI SAYS THEY SENT THE TITLE TO XXXX XXXX OF MINE THAT WAS AN OLD ADDRESS DESPITE MY HAVING ONLINE CHANGED MY ADDRESS TO NEVADA, XXXX XXXX XXXX XXXX. XXXX  XXXX, XXXX XXXX XXXX NEVADA XXXX XXXX 

I HAVE REGISTERED THE CAR IN NEVADA AND IT HAS GOOD LICENSE TAGS BUT NEVADA WILL NOT ISSUE ME A TITLE AS IT SHOWS CALIFORNIA HAS NOT BEEN PAID OFF BY HYUNDAI FOR THE SALES TAX. 

I HIRED AN OUTSIDE XXXX AGENCY IN XXXX XXXX, ASAP SERVICES, WHO HAS ATTEMPTED TO GET CALIFORNIA TO ISSUE ME A RPLEACMENT TITLE SO I CAN GET A NEVADA TITLE BUT XXXX XXXX DEMANDS THE SALES TAX HYUNDAI HAS FIALED TO PAY THEM.

IN CONCLUSION, HYUNDAI, ONCE AGAIN, HAS FAILED TO DELIVER TITLE TO A FULLY PAID LEASE WIT HLEASE END BUYOUT AS HYUNDAI WILL ADMIT. I HAVE SPOKEN WITH HYUNDAI OVER AND OVER BUT ALL THEY CAN SEND ME IS A BILL OF SALE WHICH DOES NOT GET ME A TITLE. HYUNDAI SENT THE TITLE TO AN OLD ADDRESS, AS THEY CLAIM, AND IT WAS NEVER FORWARDED AND THE CALIFORNIA LANDLORD HAS NEVER SEEN THIS ALLEGED DELIVERY TITLE.

HYUNDAI IS FULLY PAID AND I AM WITHOUT A TITLE STILL.
Product: Debt collection

Received a telephone call from XXXX with Armstrong & Associates on my cell phone. XXXX demanded and kept demanding immediate full payment for an outstanding {$3300.00} debt. At first she didnt want to tell me anything about the alleged debt or her companys address. Then XXXX claimed that the bill was for inpatient hospitalization at University of XXXX  XXXX XXXX in 2019. I was never admitted to any hospital in 2019. I have not received a bill from XXXX for {$3300.00} for having been admitted as an inpatient in 2019. I have several doctors at XXXX that I see regularly, surely someone at XXXX would have brought such a large outstanding balance to my attention prior to this call. Or, surely it would have showed up on my credit report. I have had Mississippi XXXX with XXXX dollar copayments for approximately 5 years. Unless its an emergency, I absolutely do not 1 ) see a doctor, 2 ) have medical test or procedures, 3 ) be admitted to a hospital, nor 4 ) fill a prescription unless  Mississippi XXXX approves it first.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the loan back in two thousand and six. recently popped back on my credit about two years ago and theyre stating I owe the loan I paid off back in two thousand six and then not take it off my credit. It is greatly affecting my credit score.