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

I obtained an auto loan through Navy Federal Credit Union to purchase a vehicle from a private seller. Despite multiple attempts over XXXX years, I have never received the title to the vehicle. The seller has continuously misled me, and I have been unable to secure legal ownership. 

Additionally, the vehicle was involved in an accident and taken to a body shop recommended by the seller. Since XX/XX/2023, I have not had possession of the vehicle. Despite this, my loan was converted into a personal loan, and I have been required to continue making payments for a car I have never legally owned or possessed for nearly a year. 

I have contacted Navy Federal Credit Union multiple times requesting assistance and resolution regarding the missing title and my financial obligation under these unfair circumstances, but no satisfactory resolution has been provided.
Product: Credit reporting or other personal consumer reports

My credit report has mistakes that conflict with 15 USC 16c-2. I never authorized the listed inquiries, and theyre affecting my credit. Kindly remove all unauthorized hard inquiries. Thanks.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Unauthorized Credit Inquiries Request for Deletion To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries that appear on my credit report. I did not authorize these inquiries, and I am requesting that they be removed immediately. 

The inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I did not authorize these companies to access my credit information, and as such, these inquiries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you investigate these unauthorized inquiries and remove them from my credit report. 

Enclosed is a copy of my credit report with the unauthorized inquiries highlighted for your reference. Please notify me in writing once the inquiries have been removed or if you need further information to process my dispute. 

Thank you for your prompt attention to this matter. 

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

I recently pulled my credit reports and noticed a number of inaccurate, invalid, incomplete, and unauthorized accounts listed on my credit report and file. My information was included in the XXXX Data Breach as well as the Transunion and XXXX data breach. I am in the process of getting a mortgage and these unauthorized accounts are ruining my reputation with the banking system. I Need these unauthorized accounts removed immediately. I sent transunion, XXXX, and XXXX a letter disputing these accounts more than 30 days ago and they have been ignoring my letters. I know that per federal law the credit reporting agencies MUST respond within 30 days and it's been more than 30 days since they received my letter and haven't responded. These accounts listed on my credit report MUST be ACCURATE as well and they are not. this is UNFAIR and severely damaging my reputation. REMOVE ALL INACCURATE, INCOMPLETE, AND UNAUTHORIZED ACCOUNTS IMMEDIATELY!!
Product: Credit card or prepaid card

I have paid for a one year of XXXX tv service with XXXX on XX/XX/2022 and I paid XXXX dollars but since XXXX and I do NOT HAVE THE SERVICE FROM XXXX BECAUSE THEY HAVE INTERNAL ISSUES. I paid for a tv service that I did NOT receive and I am not getting the service since last XXXX and I can not reach XXXX  customer service because again they state that they are having issues and they refuse to refund me my money when I chat with them and I did all the troubleshooting they have on their website. But again I paid for a service that I am NOT getting at all. Its XXXX and the charge is XXXX on XX/XX/2022 on my capital one visa card. I called capital one Visa card to dispute the charge but they refused to help me because its from last XXXX but I paid for a service that I am NOT getting so I want a full refund of my money. I want my money back. Capital one needs to submit the dispute for me and refund me XXXX dollars and charge back XXXX XXXX I am attaching pictures of the charges and a picture of the service not working. Capital one Visa card needs to resolve this issue to my favor and refund me my money
Product: Mortgage

I am writing to complain about the mortgage company Loancare, Account number XXXX. 
Loancare took over my loan in XX/XX/2022. I had called the previous loan servicer to ask to get out of forbearance and start making payments. As my loan was sold, I made the same request with the new mortgage servicer, Loancare. I requested I be considered for the covid 19 loan modification plan. The loan servicer acknowledged my request and agreed to work with me ( they even sent out a letter stating I could resume regular payments ). In a span of almost 2 months, while under loan modification, Loancare sent numerous letters stating I was late, XXXX stated that the loan modification is complete and they must either deny the complete application or submit a written offer for foreclosure. I reached out to Loancare and they repeatedly asked me to ignore any written correspondence because they were all computer generated. In the middle of the loan modification, Loancare submitted derogatory reports to the credit bureau, automatically affecting our ( my wife and I ) credit standing and hindering the purchase of our family vehicle. I understand that mortgage companies have to report any late payments, but it is wrong and unfair to do so while still undergoing the loan modification process. This has drastically damaged our ( my wife and I ) credit score.
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 confidentiality 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 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 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 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Was contacted and threatened by law firm not only to sue but to come to our house and seize property in front of our children. Law firm spoke to my wife ( it 's was my debt ) and began negotiating asking for banking information without providing proof of the debt. This debt was passed XXXX to be collected/sued on. Wife tried to negotiate with them after served and was promised that settlement was coming and that told that I did not need to show up to court because we were in negotiating, in which case they got a default judgement. It has further damaged my credit and costing money with lawyer to fight a bill of review. It 's impacting my ability to get an FHA mortgage.
Product: Checking or savings account

I opened a new checking and savings account with Citibank NA with a promotion saying I'd get XXXX $ for depositing {$15000.00} and an additional {$100.00} for direct deposit activity. I also received a notice saying if I performed a certain number of bill pay and and debit card transactions I would receive XXXX XXXX XXXX miles. 

I opened and funded the account on XX/XX/XXXX. On XX/XX/XXXX I received an email confirming I had the XXXX miles promotion attached to my account and told me what debit card and bill pay activities to complete. Then, on XX/XX/XXXX I received confirmation that the {$500.00} promotion was on my account and gave me instructions on seperate activities to complete to get the {$500.00}. On XX/XX/XXXX, I went into the bank to ensure I had performed the correct activities and the teller confirmed my balance and said I would qualify. 

As a result I left over {$15000.00} in a new Citi checking account. On XX/XX/XXXX, I was told I had both promotions correctly on my account and met criteria but would need to wait for the miles and dollars to be credited. I then confirmed this again XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I continued to follow up so many times because each time I was told I'd receive the XXXX $ bonus a different date. I finally escalated the issue and was told on XX/XX/XXXX a case would be opened, I was told that case was resolved in my favor and I would be credited {$500.00}. I kept over XXXX dollars in my account this whole time to be sure. 

Then XX/XX/XXXX - I was sent a letter with no explanation saying I would no longer receive the {$500.00} after I repeatedly left funds in the account because Citi confirmed I would receive the bonus. They lied about a promotion to gather deposits to support their bank at customers expense.
Product: Credit reporting or other personal consumer reports

kikoff filed a dispute report on XX/XX/XXXX and told XXXX reviewed it XX/XX/XXXX. 

Kikoff reported that on XX/XX/XXXX XXXX responded This response is well past 90 days. I demand complete removal of the items disputed. 

I called XXXX and they denied ever receiving a dispute from me or Kikoff. 

Kikoff stands by their work and product saying they have ongoing communications with XXXX. I need help getting to the bottom of it. 

XX/XX/XXXX : 29 days ( from XX/XX/XXXX to XX/XX/XXXX, inclusive ) XX/XX/XXXX : 31 days XX/XX/XXXX : 31 days XX/XX/XXXX : 5 days ( up to and including XX/XX/XXXX ) Total : 29 + 31 + 31 + 5 = 96 days ( well past legal to correct or report investigate etc )
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance {$1500.00} XXXX XXXX XXXX Balance XXXX XXXX  XXXX Balance : {$0.00}
Product: Debt collection

I have set up payments to pay my debt in 3 monthly payments of XXXX set to be automatically taken out of my banking account on the XXXX of each month starting in XXXX. I have made 2 monthly payments, and have to documents showing the paid amounts. I checked my credit report and it shows the full amount with no payments received. This is false and I have a documents to show it.
Product: Checking or savings account

Bank of America responded that my claim was closed after receiving a receipt showing that this charge was paid with a completely different card. Bank of America failed to investigate the matter as stipulated by Regulation E.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I transferred XXXX Bitcoin ( {$1000.00} USD at the time ) from my GDAX   account to my Coinbase account. The balance in my GDAX account went to XXXX BTC. When I checked my Coinbase account, the balance was also XXXX BTC. Effectively my Bitcoin balance just disappeared entirely. 

I created a ticket with Coinbase to resolve the issue and it turns out there was a bug on their side which caused the BTC I transferred to be sent to my old deleted account, making it impossible to access the BTC. It has been almost a month with no updates from Coinbase and I am completely unable to access these funds.
Product: Credit card

In 2010 I defaulted on a credit card balance to Chase Bank. The bank unsuccessfully tried several means by which to collect and after several years sent me a XXXX form for debt forgiveness and I paid income taxes on the implied earnings. For some reason XXXX XXXX XXXX XXXX XXXX did n't get the memo and is trying to collect. Each time XXXX these collection agencies buys defaulted loans there is a credit check and my credit scoring never seems to recover despite the fact that it has been almost six years since the original default occured.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX of birth XX/XX/XXXX I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : XXXX /Creditor Information XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Balance {$570.00} Highest Balance {$570.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX IN Closed No Info XXXX Information XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Balance {$560.00} Highest Balance {$560.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX  Closed No Info XXXX Information CAINE & WEINER XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX Balance {$130.00} Highest Balance {$130.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX  Closed No Info
Product: Mortgage

Countrywide XX/XX/XXXXXXXX and XX/XX/XXXX were found doing predatory lending which was misleading that lead to collapse of both companies and the housing crisis onXX/XX/XXXX. My current loan is a product of it and I want it rectified.
Product: Checking or savings account

On XX/XX/XXXX at XXXX, I received the following text message : FreeMsg : BMO Fraud Ctr : XXXX Case XXXX Did you attempt {$100.00} at XXXX XXXX # XXXX with card XXXX? 
I immediately replied NO, and called the fraud department. At that time, there were 3 charges not made by me on hold : 2 for {$100.00} to XXXX XXXX XXXX, XXXX and another for {$2100.00} for XXXX - XXXX Online Order. 

I told the Representative I am in CA and have my card in my possession and those charges are fraudulent. She immediately closed my debit card. 
She then said I would have to wait until Tues to see if the charges would clear my account. Meantime, the funds are frozen. ( Total of {$2300.00} ). 
Tuesday morning one XXXX XXXX charge cleared my account and the XXXX charge remained on hold with the new transaction date of XX/XX/XXXX. 

XX/XX/XXXX it remained on hold, with the new date XX/XX/XXXX transaction date. 

XX/XX/XXXX it remained on hold, with the new date XX/XX/XXXX transaction date. I went into the branch this day and they said there was nothing they could do, and we would have to wait for the transaction to process. 

Today is XX/XX/XXXX and the funds of {$2100.00} remain on hold and noone can tell me why/how the charge keeps moving days, nor when it will clear or reject. 

How can a bank hold my funds XXXX when I immediately told them the card had been compromised and it was closed? I will have been without access to my funds for 10 days if this resolves by Monday. If not, do I just keep on waiting?? 

This is unacceptable practice for a financial institution and I would like this matter resolved immediately.
Product: Student loan

For the XX/XX/XXXX-XX/XX/XXXX school year, I received a {$5300.00} FFEL Parent loan. That loan entered repayment in XX/XX/XXXX. Now, 22 years later, that loan was consolidated without my knowledge and my servicer claims I still owe more than. {$6000.00}. 
Around XXXX, I began receiving notices that my balance had increased despite all the payments I have made. Every person I spoke with assured me they would look into it and provide documentation ; except XXXX ( ID # XXXX ) at XXXX hung up on me when I called on XX/XX/XXXX. I have never received any documentation showing why or how that loan ballooned to over {$10000.00} at one point. 
When I spoke with XXXX ( ID # XXXX ) at XXXX on XX/XX/XXXX about my loan, he became irate that I was recording the call, repeatedly tried to force me to verbally agree with the balance I was disputing, that he could not provide any documentation and would destroy me if I continued to pursue the matter. I then engaged an attorney to assist me in getting the information I needed. In response, XXXX took four actions : ( 1 ) provided an unsigned loan consolidation application to the attorney ( 2 ) told the credit bureaus there was no dispute ( 3 ) reported the attorneys address as my address to the credit bureaus and ( 4 ) stopped sending monthly statements XXXX has not sent a bill to me since XX/XX/XXXX. 
There should be no remaining balance on this loan. And all my requests for a full accounting have gone unanswered. The most I have received is an accounting showing a beginning balance from an unidentified conversion in XX/XX/XXXX of {$7800.00} through XX/XX/XXXX when there was an unauthorized consolidation. What happened to all my payments? Why can no one show how the balance jumped?
Product: Debt collection

I received about a year ago a letter from Rausch Sturm attorneys at law concerning a debt I have with XXXX XXXX, for a credit card for XXXX XXXX XXXX. I called and spoke to an agent explaining my situation that I am unemployed due to a handicap and unable to work. That I am trying to get SSDI but have not been approved yet. I worked out the issue with the agent who was in Wisconsin I believed. In the next few days I started receiving calls from agent for Rausch Sturm who were obviously calling from offshore because of their heavy XXXX accents. Even though I explained my situation to them they continued to call me every day claiming they needed a resolution with the debt. I finally had to send a cease and desist order to Rausch Sturm in Wisconsin to stop it. This year on XX/XX/2019 ; I received a letter from Rausch Sturm again inquiring about the debt. I called them and explained that I am still unemployed. The agent noted it on the account and asked about the Cease and Desist order. I told her to remove it because I wanted to work with them to resolve the debt. The next day I received a call from an offshore agent claiming to represent Rausch Sturm concerning the debt. I told him that I already spoke to an agent about it yesterday and explained it to them. His response again was but we need to have a resolution to the debt. I then remembered the last time when they would call every day. I called the number back on the letter and spoke to a XXXX at Ex XXXX and explained what happened. We determined that the Cease and Desist order should be reinstated. XXXX said she did put it back on. I figured that the Issue was resolved until today when I received a call from an Offshore agent claiming to be with Rausch Sturm about the debt. Her accent was so heavy I could hardly understand her, but I told her that there was a Cease and Desist order  and she admitted that it was on there and she would make sure no more calls came. Unfortunately, my experience is these offshore agents do not respect no call orders. I would like these Offshore calls to cease and only work with on shore agents. I do want to resolve this debt.
Product: Money transfer, virtual currency, or money service

I'm trying to make a donation through checking account, in order to maximize my donation and not spend any money on processing credit card fees, and they use XXXX for that. It simply states the bank ( PNC ) is " experiencing connectivity issues ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several disputes to the credit bureaus and each time it comes back as verified accurate. 
All 3 bureaus are reporting a different Date Last Active. 

XXXX reports XXXX XXXX reports XXXX Equifax reports XXXX This is in Violation, needs to be removed asap
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 confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX /Account Number : XXXX Account Name : XXXX XXXX / Account Number : XXXX Account Name : XXXX XXXX XXXX / Account Number : XXXX Account Name : XXXX XXXX / Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX / Account Number : XXXX Public Record : XXXX XXXX Bankruptcy / Refence Number : XXXX The accounts and public record listed above 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 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I went to XXXX XXXX in XXXX XXXX XXXX a week prior before purchasing a XXXX XXXX XXXX when I made it I was looking for a suv the salesman there said they really didnt have a selection but he remembered he had 2 XXXX in the shop and wanted me to go take a look I asked what was they in the shop before I went to look so they told me it was in the shop because of the radio thats it so Im like ok well when will it be done they told me in a week so I came back on XX/XX/XXXX and purchased the vehicle for XXXX so a hour into me going home the vehicle started jerking would change gears speed up slow down so i called the salesman and he told me that they would pick the vehicle up and fix it yesterday XX/XX/XXXX was the day they could pick it up a month later so I called to see did they find out whats the problem and they informed me that the transmission is no good and the auto company will not fix it or refund me no money at all.
Product: Debt collection

When running my credit report I notice a few collections and charge off on my account that I did not authorize a XXXX XXXX account for {$4200.00} on XX/XX/2022 and another account with Genesis Credit Management for $ {$6900.00} XX/XX/2022 The method that was use to open the accounts was a photo picture of my ID, Social Security number and drivers License was attain doing all of the transactions. All accounts was open on different dates.