23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

XX/XX/XXXXXXXX XXXX, California. XXXXXXXXConsumer Loan InvestigationTo whom it may concern, When you are ready to review the documents for this loan, we will mail copies upon your request. These loan documents have a timeline from XXXX XXXX through XXXX XXXX. Last monthly payment XXXX XXXX, XXXX the XXXX XXXX loan documents, written communications with loan company, and dealer information are available for review. There are XXXX loan purchase documents for this vehicle. XXXX for the loan company and XXXX for the dealership. A XXXX statement of the amount of this loan was sent by mail with a different amount owed. This vehicle loan was paid off in full on XXXX XXXX, XXXX the total amount due was XXXX the loan company stated that a check in the amount of XXXX was required to pay off the loan as there was additional charges. A check was written and mailed to the loan company with a letter requesting that upon receipt of final payment to contact parties and respond with a written reply of receipt and forwarding of documentation to parties. As of the date of this letter ICG FIN FUND LP aka 101 Auto Funding XXXX XXXX XXXX XXXX XXXX, California have not sent a confirmation. We have contacted parties by phone On XXXX XXXX, XXXX and XXXX XXXX, XXXX and spoke with XXXX XXXX who stated that she did receive the letter and check on XXXX XXXX, XXXX posted to the account XXXX XXXX, XXXX deposited to the bank on the XXXX XXXX, XXXX. As well as processing the XXXX notification to clear title of vehicle and that XXXX XXXX should receive a copy in the mail. XXXX XXXX again requested written notification of the receipt from XXXX XXXX by phone and she stated that she would send an email to XXXXXXXXXXXX to confirm that she did receive the documents required to pay off loan. XXXX XXXX has not received an email as requested. XXXX XXXX has not received the title signed off by lien holder in the mail to transfer to the XXXX. The California twenty day requirement of receipt of documents has not been adhered to by the loan company. XXXX XXXX, XXXX a request for the title signed by 101 Auto Funding LLC releasing their right of lien on the vehicle was sent certified return receipt XXXX. XXXX XXXX XXXX XXXX. This was recommended by the XXXX as they have no notification on record. If there is any other information that you require please contact at the email above or call XXXX please leave a phone number and contact person and I will return your call. 

XXXX issue is the company XXXX requesting that they be paid on this loan after they were informed on XXXX XXXX, XXXX and XXXX XXXX, XXXX by written notice as well as phone conversations regarding the matter and were informed to contact the true lien holder 101 Auto Funding LLC XXXX XXXX regarding any questions they might have, as their purchase of the loan was invalid. And this loan was paid in full. This company still believes that they are entitled to the loan on this vehicle and are moving forward with attempts to collect the loan or the vehicle.
Product: Credit reporting or other personal consumer reports

MY INFORMATION WAS INVOLVED IN A DATA BREACH PLEASE REMOVE ALL FRAUDULENT INQUIRIES, ADDRESSES, CLOSED ACCOUNTS AND NAMES AS I HAVE NO KNOWLEDGE OF THEM IN ACCORDANCE TO FCRA 605B THIS INFORMATION MUST BE REMOVED AND BLOCKED FROM MY REPORT. 1. US DEPT ED XXXX 2. US DEPT XXXX 3. US DEPT XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. PLEASE REMOVE FOLLOWING ADDRESSES AS THEY ARE NOT ACCURATE XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX AND ANY NAME THAT IS NOT XXXX XXXX XXXX. 
THE FOLLWING CLOSED ACCOUNTS NEED TO BE REMOVED XXXX XXXX XXXX XXXX XXXX 2. US DEPT ED XXXX. XXXX. XXXX XXXX XXXX XXXX ALL INQUIRIES TO BE REMOVED OFF OF TRANSUNION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank aka XXXX XXXX XXXX. Two accounts of the same type, marked " closed '', but were never open and never inquired about. One inquiry was on XX/XX/XXXX and the other inquiry was on XX/XX/XXXX. Then another inquiry from XXXX XXXX which is showing inquiry from XX/XX/XXXX. I have not made any attempt to apply for any of these services at any time. This is impacting my credit as a hard inquiry and I would like them removed. I have not contacted the company as I have looked up the issue online and came straight to this.
Product: Credit reporting or other personal consumer reports

This complaint is against the company EQUIFAX because it presents the following hard inquirys in my credit report which I DO NOT RECOGNIZE AND HAVE NOT AUTHORIZED to be carried out on my behalf : XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX date XX/XX/XXXX XXXX. XXXX XXXX date XX/XX/XXXX XXXXXXXX XXXX XXXX date XX/XX/XXXX XXXX. XXXX  date XX/XX/XXXX XXXX. XXXX  date XX/XX/XXXX XXXX. XXXX XXXX  date XX/XX/XXXX XXXX. XXXX date XX/XX/XXXX XXXX. XXXX  date XX/XX/XXXX XXXX. XXXX XXXX XXXX date XX/XX/XXXX XXXX. XXXX  date XX/XX/XXXX XXXX. XXXX  date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXXXXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I have been working to correct inaccuracies on my credit report with Experian and have sent multiple dispute letters to them. Despite my efforts, Experian has failed to comply with its legal obligations under 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). 

Specifically : Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian has not ensured the accuracy of the information in my credit report, as required by 15 USC 1681e ( b ).

Experian has not properly investigated my disputes or removed the inaccurate information, as required by 15 USC 1681i ( 5 ).

Experian appears to have reinserted inaccurate information into my report without proper notification, violating 15 USC 1681c ( c ).

I have attached copies of my dispute letters and supporting evidence for your review. 

Additionally, I recently learned about the CFPB lawsuit against Experian for failing to conduct proper investigations and for its mishandling of credit report disputes. I believe my experience aligns with the systemic issues identified in this lawsuit, as Experian has failed to address my disputes in good faith, thereby harming my creditworthiness and access to financial opportunities.
Product: Credit card or prepaid card

I was fraudulently charged {$73.00} in XX/XX/XXXX on my Bank of America credit card. After initially bungling my fraud claim, Bank of America credited me for the fraudulent charge. The credit was wrongly reversed half a year later without notifying me and without any explanation. When I noticed on my statement that the credit was wrongly reversed, I spoke with Bank of America approximately seven times, maybe more, from late XXXX till today, XX/XX/XXXX. Over a period of about four months, Bank of America told me over and over that a check for the credit money would be mailed to me. The first promised check never arrived. I called Bank of America and was told that they would stop the first missing check and order out a new one. The second check never arrived. I called and asked that the credit money be sent directly to my checking account and was assured it would be. That never happened so I called Bank of America numerous times again. Each time the person I dealt with told me that the whole history was written in the notes and that the money would be ordered out to me. The money never arrived. Now after months of misleading me and a year after my initial fraud claim, Bank of America is telling me that they will not refund the money for the fraudulent charge and will not help me any further. 
Now in XX/XX/XXXX, a full year after my initial report of the fraudulent credit card charge, Bank of America is telling for the first time that they want more documentation to credit me with the {$73.00}. I told Bank of America that I have a copy of the contract for the fraudulent charge with my signature forged by the dishonest car rental company, but Bank of America said that a copy of the forged document is insufficient to support my request for the refund. The misinformation provided repeatedly by Bank of America for a year, their refusal to accept a forged document as evidence of the fraud, and their failure to inform me for a year that they want more documentation from me, is unacceptable. Bank of America must be held accountable and refund the money due me. 
I do not have the computer skills to submit the forged document but will mail it to anyone upon request. Bank of America has recordings and written notes that document my numerous and lengthy telephone interactions with them. I saved the forged document because it was so shocking, and I will search for any other documents that I may have. However, since Bank of America didn't ask me for documentation until a year had passed and told me repeatedly that my money was on the way, I wasn't careful to retain all the paperwork and doubt I can find anything more at this point.
Product: Debt collection

I filed for Chapter XXXX Bankruptcy in XXXX. My lawyer filed all qualifying debts with my paperwork, notification was given for any debt collectors who wanted their piece with a deadline, all rules within Washington state were followed. I meticulously followed my court ordered plan and all debts were discharged at the end of my plan. One credit card company had kept popping up that had been denied their payment by the court trying to go around the bankruptcy and come directly for me with their collections. My lawyer kept shutting them down. Now here we are in XXXX of XXXX, chapter XXXX has been discharged since XXXX of XXXX and I get served with paperwork from a company called Midland Funding LLC. They filed to garnish my wages and got a judgement against me with a judges signature from TWO MONTHS ago and Im just now being notified on an OLD DEBT THAT HAD BEEN DISCHARGED.  The original debt is listed at XXXX. After filing fees, service fees, court costs, and accruing interest the total amount owed is {$1000.00}. This is completely illegal. It is that companys ( Midland Funding ) job before they purchase a debt to research if its even a legally owed debt before they pursue it in court. Thats their mistake and their loss on legal fees. Not mine.
Product: Debt collection

Select Portfolio Servicing is a debt collector who claims to have seized my home in year 2004. I still reside in said home. I am a veteran XXXX being bullied by this company. Repeatedly sending the local Sheriff to my home and posting foreclosure papers. I did not ever receive a loan from this company. The company they claim to be collecting for is XXXX XXXX which is no longer in the loan business. I believe the statute of limitations is expired on their debt claim. There are discrepancies in the tax records on said property they are claiming to seize.
Product: Credit card or prepaid card

My XXXX year old Grandmother paid her bill twice. We told the Bank and Mastercard. When we refunded the money, The XXXX XXXX Rewards Mastercard, claimed this was a credit against her account. However, they had already taken out of the bank account. We had to argue this point, that they had taken the money out of the bank account and not used that money as a credit towards the account. We were able to get the situation sorted in that one of their customer service providers said that when the account righted itself at the end of the month we'd only owe the balance. This still hasn't occurred, months later, and they still claim this money - which was never given them, nor used - is owed to them. Because of their insistence, later acceptance but non-action, the account balance doesn't reflect the actual payoff amount, and the bill ballooned. I wouldn't be filing this complaint if they had promised over the phone that they understood and the account was clear. Nor, would I be as quick to complain if dealing with their reps hadn't proved to be difficult in sorting a simple situation. One representative fought with my Grandma for two hours trying to get her to pay the bill she'd already paid, a third time. Claiming that when we paid twice, on accident, we owed this amount.
Product: Credit card or prepaid card

I registered for unemployment with DC Department of Employment Services. They signed me up for a  debit card even though they had my direct deposit information. DOES acknowledged my direct deposit request on XX/XX/XXXX, so NO benefits should have gone to US Bank. I filed for two weeks in XXXX and XX/XX/XXXX. I never got a card. I emailed DOES repeatedly. No response. I did not know who issued the card. I got a letter from card services at my post office box address acknowledging my change of address. No name other than card services, no phone number, a post office box address, and nothing to suggest it was related to my UI claim. I never got a card, although they acknowledged my change of address. I had changed my address with DOES. DOES had my residence address, so US Bank had it as well. I thought the card services mailing was fraud and filed a complaint with CFPB. CFPB rejected the complaint saying there was no card services registered. In late XXXX, I went to the DOES office and finally got a name and number : US Bank Reliacard. I called, identified myself, and corrected my address to include my apartment number. They refused to issue the card, claiming they had to verify the address. I asked for their address. They said they were in the XXXX XXXX  of what, I asked. XXXX  of Florida, they said. I asked to speak to a supervisor. He refused to send the card even though I had identified myself. I said I would sue them. He said go ahead. I taped the call. As of XX/XX/XXXX, I do not have the card and have not heard from them again, which means I havent received my XXXX benefits. I allege mail fraud, wire fraud, misrepresentation, and conversion.
Product: Credit card or prepaid card

Lowes just charged almost {$1000.00} in interest on my lowes personal credit card account that only had a balance of around {$3500.00} for no reason in error. This is the second time Lowes has inaccurately and inappropriately levied interest and fees against my account that did not belong.
Product: Vehicle loan or lease

I recently completed the payoff of my leased vehicle with Hyundai Motor Finance XXXX. The company cashed our check on XX/XX/2022 ( within 1 day of sending the check ) but has yet to release the title or start the internal process of releasing the title. We have called every single week ( most recently on XX/XX/2022 ) to get the title released and so far they have yet to release it and in fact have relayed the exact same message that they would need to send an email to the title department to get the process started. We've been given several excuses by the customer support reps and their supervisors but have not been given an opportunity to contact the title department directly and have been told that they have to email the title department themselves which takes a minimum of 5 days to process. They have told us this in each call and have repeatedly claimed they are sending the email. 

It has now been 50 days and we are no closer to receiving our title as we were when the check was cashed.
Product: Credit card

I am disputing the collection account with KIKOFF account number XXXX XX/XX/year>, with a balance of $ XXXXThis account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and experian are all reporting inaccurate personal information on my credit profile.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct XXXX reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected or removed disputed items despite the evidence I provide, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights a consumer.
Product: Checking or savings account

I use an app called   XXXX   XXXX    Well Fargo is really bad about updating my bank account info for the app to be able to work I keep getting errors that Wells Fargo has not updated my bank account deposits. I have called Wells Fargo and asked about why they take so long to update my information and they say they will have it updated very soon. Same problem every time I get paid. Along with this I recently opened my account I have not had an account since 2004 when I closed my account I opened a new one recently but my debit card says I 've been active since 2004 I have not used Wells Fargo in a very long time and when I asked about my question gets ignored.
Product: Credit card or prepaid card

To whom can resolve my concerns ; I have been a long-time customer with XXXX XXXX XXXX XXXX XXXX. Over 10 years. This credit card has been my primary card. Without any desire or request on my part, apparently, this card is now associated with a company called XXXX. I have not received anything in writing or a statement about this change. I was notified of this change through an email sometime in XX/XX/XXXX. I was told that a new card and additional information was coming and I continued my payments to XXXX XXXX XXXX XXXX. I have not received a billing statement since XX/XX/XXXX. Additionally, Last week I was communicated through an email that my account is how delinquent. Furthermore, through a phone instruction recording, it indicated that payment could no longer be made through XXXX XXXX. ( without possession of a card, contract, or statement, I do not have an account? ) I have attempted to make contact through phone and email without any success. Unable to create an account online without an account number ; I am unable to acquire information through that process. 

This information was sent to the XXXX XXXX corporate office ; XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ) I have been waiting for nearly one month for my XXXX card so I can set up payments through my checking account. 
2 ) Your phone messages indicate that my payments are now required to go somewhere else therefore ; I do not know where my payments are going. 
3 ) I have been making payments to XXXX XXXX. XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX and more. 
4 ) I have been waiting for a statement and payment information? 
5 ) I have awaiting to view a contract and other information regarding this new/transferred account. 
6 ) I am unable to discuss my concerns with your company and I refuse to wait on hold for over 45 minutes with any company. 
7 ) To add to the insult ; I can find no way to contact you through your Web without an established account. Without information and an account number I can not set up an account in order to view information. 
8 ) I will make no more payments on my XXXX XXXX until I acquire an understand of the account status and verify most recent payments to XXXX XXXX 
9 ) A XXXX representative can call me within 20 days this writing. 
10 ) Beyond that ; you can cancel this apparent account. I will resolve payments on the account afterwards upon verification and a suitable understanding. 
11 ) I would reference an account number however ; I dont know if I have one. Also, Who are you ; I dont know anything about your company. 


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

Experian and XXXX are reporting inaccurate information on my credit profile. I am entitled to complete and accurate credit history ; this is missing account information so please remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing this account with Bank of America for the three reasons listed in the attached document. ( Account # : XXXX ). There is no account number present, just XXXX, and I do not have any documentation in my possession to cross-reference the information or verify anything that they are reporting. After each dispute, someone BOA continues to " verify '' this item, which I do not understand how, with the inaccurate and incomplete reporting, which I have further detailed in my attached letter. This company has been furnishing this account onto my credit report for quite some time, and has caused me an immense amount of stress and mental anguish, as well as financial loss. I have no idea what this account is and I can not identify it. I have requested documentation from them on numerous occasions, which was never provided to me. The company also has not responded to me in any capacity, and due to their actions, deserves immediate and permanent removal from my credit report