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

Please note that in XXXX  XX/XX/XXXX, I purchased a new XXXX XXXX and the XXXX dealership provided me a loan with BB & T for a 5 year term loan. In XXXX XXXX decided to contact to sell the vehicle and I call BB & T that is now Truist Bank and their customer service representative denoted that she would have the Title with the notarized lien release mailed to my residence with 14 days. 

I sold the XXXX XXXX to a very nice lady that I told her that Truist was forwarding me the title with the lien release and I would mail or deliver the documents to her. In XX/XX/XXXX, knowing that I had to go to XXXX XXXX on XX/XX/XXXX, I initiated XXXX more call to Truist and was told the same thing that they send me the title and notarize lien release and they apologize for the delay. 

Upon my arrival back to my NC residence, in XX/XX/XXXX, I called Truist again and was informed they would get this title and lien release expedited to me. I had been bitten by a tick while I was in XXXX XXXX and upon returning back to NC, I contracted full blow XXXX XXXX. So, I contacted Truist again in XXXX  the beginning of XX/XX/XXXX. I started complaining and asked for a supervisor and the supervisor told me that there was an outstanding balance of approximately {$600.00} owed on the vehicle. I immediately paid the outstanding balance by debit card and I was assured that they would put a rush on the title and lien release request and it would not take longer than 7 days to receive. I conveyed this to the buyer of the vehicle. 

After, the 7 days expired and I had not received the title, I requested to speak to another supervisor, XXXX XXXX. I have several emails from XXXX that confirm her commitment of me receiving the title & lien release within XXXX days and as of XX/XX/XXXX I have not received the title nor the notarized lien release XXXX 
I believe that Truist should immediately deliver me the title and lien release & provide me and the buyer if the car {$2000.00} each for their deliberate terrible customer service that has caused all kinds of problems for me and the buyer. I have emails from Truist that corroborate with my complaint.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act ( EXPERIAN ), 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. also states a consumer reporting agency can not furnish a account without my written instructions. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

I was looking on my credit report and I noticed I had a collection account from Portfolio Recovery that was open XXXX and I never have an account with them. I also never lived at the address on file this account. According to my consumer rights this creditor violated my rights Under 15 USC 1681 section 602 states I have a right to privacy, 15 USC 1681 section 604a it also states that a consumer report agency can not furnish a account without my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

A place called XXXX XXXX XXXX ran my credit XXXX on XX/XX/2023 and on XX/XX/2023 without my consent. I have never inquired about a car loan from this establishment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

I am signed up for auto-payments. I get the interest reduction for being signed up for this. However, sometimes, they just do not apply the auto-payment, and then they put derogatory marks on my credit report for missing a payment, and they allow interest to accrue, when in reality it was their mistake. They will likely also try to hit me with a late fee according to other people that have had the same problem, but as of yet I have not seen one. 
This months payment ( XXXX ) did not happen, and the reason I found out is because my credit monitoring app notified me of the negative mark. This is widely complained about online by other people and is unacceptable. 
I just manually made a payment that was much larger than the required amount, but the derogatory mark is still on my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

I had a loan with loan Mart that I paid off and I got another loan for {$2000.00}. Apparently I was late on a payment which I wasnt even aware of. I thought the payment wasnt due till the following month and they came and took my car with my prior loan when I was late, they added the payment to the end of the loan this time they had no options for me. Its been impossible to talk to them. Ive been hung up on the person that repo the car did not let me get my stuff nor did they provide me with a list of my belongings which I lost a guitar. They tried to charge me {$40.00} to pick up my own stuff which its illegal to do that when I did talk to XXXX when my car first got repossessed, I made them aware of this and they did nothing about it. I complain to the attorney general. They come up with excuses since then its gotten worse. They dont know whether my car sold or not after the first payment, they told me they would put the following month on the end of the loan they didnt do that. They sent me another bill for it so it looks like Im late again Ive called. Its impossible to talk to the man that answers the phone. Every single time is the same one. He hangs up on me and gets all flustered and has no idea what hes talking about. He said he didnt know my car was sold or not so I never received a notice so I could be at the auction. I dont know where my car is. I was never told which auction it was sent to. I havent been notified of anything and why is it different from the first loan to the second loan that I paid off in full? Was it able to go on the end of the loan, but not now and why dont they have any information about my car and where it is And why was it taken? Ive never been so completely ignored by a company that I had a loan with or any dealings with Ive never been treated so rudely and terribly in my life I need to know where my car is or whether or not, I need my guitar back these people act like its just free {$180.00} payment over {$1000.00} so they made it impossible to get my car back which is very unfair and illegal actually its called predatory lending and its terrible XXXX. I want my car back. I wouldve paid it if they wouldve known where the car was or whether it was sold or not.
Product: Credit reporting or other personal consumer reports

There are 4 accounts showing on my credit report. The accounts are with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX. I DID NOT apply for any credit with this company. I am reporting this as FRAUD. When I called the company the could not find the account using my phone number or the partial account numbers experian is showing on my report.XXXX, XXXX, XXXX and XXXX
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX  XXXX Balance : {$150.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$0.00}
Product: Debt collection

Original debt of {$840.00} was written off/paid off by XXXX XXXX  XXXX XXXX XXXX I have never signed an agreement/contract of any kind with Midland Credit Management XXXX Now Im receiving letters that they are threatening to contact attorneys to obtain a lean, garnish my wages, or obtain information about assets.
Product: Debt collection

After receiving a notice in the mail on XX/XX/2016 from GC Services I made a contact call to XXXX. I received a return message to contact the agency at XXXX. The person who took my call proceeded to collect personal information from me regarding who I work for, who I bank with and my martial status. I did not understand why this was needed. I did n't understand why I 'm being contacted by this agency regarding taxes that were already paid to the City of XXXX. The caller proceeded to tell me that I needed to mail GC Services at XXXX XXXX XXXX, XXXX TX XXXX and send them copies of my cashed check, XXXX. I do n't understand why I needed to mail private financial information to an agency when all I 'm trying to understand if I owe this debt. I was not polite during this phone call. On XX/XX/2016 I mailed an official notice to verify the debt.
Product: Credit card or prepaid card

I received a Care Credit Card for medical use with a limit of {$2500.00}. I was never informed that my credit limit would decrease to {$1000.00} - I found out by looking at my card info via the Care Credit App on my mobile device. I then contacted XXXX XXXX and was told about no longer having a {$2500.00} limit, it now shows only {$200.00} limit. 

I believe Care Credit is unprofessional with their tactics on reducing your credit limit without informing the customer with a reasoning.
Product: Debt collection

I see this medical debt on my credit report and have sent a letter on XXXX/XXXXXXXX to be removed as it is not my debt.
Product: Checking or savings account

While purchasing a used car and and to help with some XXXX XXXXXXXX expenses, my mother-in-law helped us with a loan. She gave us a bank cashiers check for {$3000.00}. 

Since there is not a local branch of Citi Bank in XXXX, I used my phone to make a mobile deposit to my checking account on XX/XX/XXXX. I received an email acknowledgement that the check have been received, and the funds would be available within a few business days. However, the funds never became available. 


Citi did not seem to understand what a cashiers check was, as they contacted my mother-in-law to ask her what the check number was. My mother-in-law informed Citi that it was a cashiers check ( guaranteed by the bank ), and instructed Citi bank to contact XXXX XXXX XXXX XXXX XXXXXXXX as they could provide the details for the check. 

After approximately XXXX days, Citi froze my checking account. I called Citi bank, and was told my account was froze due to " potentially fraudelent activity '' on the account. When I asked for details, I was told that they would need to talk to a manager as they didn't have details. However, despite calling multiple times, a manager was never free/available to discuss. 

Since my account was frozen, and I still had not received a confirmation that Citi bank deposited the cashiers check, my mother-in-law ended up giving me cash. We also obtained a letter from my mother-in-laws bank ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX to indicate the cashiers check should NOT be cashed. On XX/XX/XXXX, I drove to the nearest Citi Bank branch ( in Illinois ) and gave the the letter from the XXXX XXXX XXXXXXXX XXXX indicating the cashiers check should no longer be cashed and asked to close my account. They took the letter, and stated I would receive a letter confirming that they acknowledged that the check would not be cashed. 

However, I did not receive a follow up letter as promised. Then, on XX/XX/XXXX, Citi Bank cashed the cashiers check. Despit the check being cashed and withdrawn from my mother-in-laws account, the funds have NOT been deposited into my account and my account remains frozen without any further explation. 

Based on the timing, I believe Citi bank froze my account as a result of me attempting to perform a mobile deposit of a cashiers check for {$3000.00}. ( Based on the call to my mother-in-law, the Citi Bank employee did not seem to understand the concept of a cashiers check. ) I would like to formally file a formal complaint requesting Citi Bank unfreeze my account, and deposit the funds from the cashiers check so that I can pay back my mother-in-law.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I received a text message asking me if I authorized a ATM withdrawl in the amount of {$1500.00}. I stated no. I then received a call which stated it was from Wells Fargo and their phone number. I have since learned it was a spoofed number and not actually Wells Fargo. The gentlemen stated his name was XXXX and rattled off an employee number. He then proceeded to state that they were investigating my particular branch manager for selling customer information. He then asked me to verify my email address which I did. He asked me if I knew 4 diffferent individuals which I stated I did not. He also wanted me to go up to the bank, not telling them what I was there for, but to draw out my savings account in full. I then hung up the phone and went up to the bank with him calling back repeatedly. I spoke to the branch manager and she stated this was a scam and to ignore it. When I went home, I tried to log into my banking app and the password had been changed. Once I finally got into the app, I saw that {$500.00} has been XXXX XXXX out of my account, along with {$3000.00} out of my savings account. I called the Fraud dept, gave them all of the info, and received a letter stating that I authorized this transaction which I DID NOT and I basically am out the {$3500.00}. Please help as they do not care about a 30 plus year customer. I have also filed a police report in regards to this matter.
Product: Credit card

On XXXX/XXXX/2015 I placed an order with XXXX in the amount of {$41.00}. When I did not receive shipping information I logged into my account and noticed the order had been canceled. I called XXXX and was transferred to their Loss Prevention Department. They gave no information for the cancel other that it was done by a third party company named XXXX. I do not know who this company is and have not done business with them. I was given XXXX 's phone number. I contact XXXX who would not give any reason as to why the order was canceled even though my credit card company, Captial One approved the charge. XXXX said they could not release the funds back to my credit card and told me to call Capital One. I then called Capital One who informed me the could not release the funds back to my account and that XXXX had to do the release. I explained that XXXX informed me to call them. At that point the Capital One representative told me there was nothing he could do. I asked him if this third party company who I had never done business with could really hold my money indefinitely. He claimed them could and ended the conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

One Main Financial aggressively advertises loans for witch you can apply without credit report impact. Once you do, an an operator will try to coax you into applying for a secured loan you get a hard inquiry on your report. This is false advertisement and hurts consumers.
Product: Debt collection

Jefferson Capital Systems , LLC is reporting on my credit report for XXXX XXXX XXXX ( a credit card company ). I 've contacted Jefferson Capital and ask for the original indebtedness of said account to no  response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account is reporting as a " charge off '' for month after month. According to the FCRA a charge off can not keep reporting month after month. This has been a continued inaccurate reporting by Equifax, with continued violations of my FCRA rights. Please see attched image for the inccurate reporting. 


XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card - Bureau Code : Individual Individual Account Status : Paid Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : 0 0 High Credit : {$4100.00} {$3600.00} Credit Limit : {$3000.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Payment after charge off/collection Dispute resolved; reported by grantor Settlement accepted on this account Paid charge off Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

Recently 3 claims with mutliple disputed transcations got denied. I was told i had no way of opening a second claim the temporary credit was going to be taken from my account and much more. I faxxed over the documents requested to add to my case but you never provided a reply to this. I would like all my money back from these disputed transactions.
Product: Debt collection

To Whom It May Concern, In XXXX of the spring time I took out a payday Loan online. I made all my payments and was Late once and paid off loan in XX/XX/XXXX for XXXX and XX/XX/XXXX I paid additional XXXX to settle all interest and XXXX XXXX XXXX are owned by same company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company sent me to a collection company once I paid the company for a pay and delete they reported it back to Kay jewelers and yet this is still on my credit report
Product: Checking or savings account

My direct deposit didnt go thru I need the funds for bills.
Product: Mortgage

On XX/XX/XXXX I received a notice from my " XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NEW YORK '', that my property Taxes remained UNPAID, Lein {$3000.00} for XXXX and Unpaid taxes for XXXX {$6900.00} for XXXX ) On XXXX Called Specialized Loan Serving Mortgage Co XXXX # XXXX.regarding the unpaid taxes and they instructed me to go to : Website : XXXX. On XXXX documents uploaded, per their request. I continued calling them everyday, whereas they advised they were investigating why my TAXES weren't paid and by XXXX they would have their investigation compeleted, and to CALL them on XX/XX/XXXX. On XX/XX/XXXX they advised XXXX checks mailed on XX/XX/XXXX ( {$3300.00} Check # XXXX and {$6300.00} Check # XXXX, along with a Separate check to cover the for Penaties ) was already mailed XXXX XXXX XXXX MAIL Tracking # XXXX, but they were lying. The Tracking showed that they only CREATED a LABEL, but to date they haven't mailed out these checks to pay my past due TAXES. My house is going to be SOLD for unpaid taxes by XXXX XXXXXXXX on XX/XX/XXXX. To date NO CHECKS have been MAILED OUT to date.XXXX XXXX has NOT received any checks. When I paying my Mortgage {$1000.00} per month goes to pay my TAXES & Homeowner Insurance, To date my TAXES still NOT PAID and My house will be SOLD due to UNPAID TAXES by the Village on XX/XX/XXXX. CFPB referred me to LEGAL AID, which I called and they advised they will CALL me back within XXXX are in BRENCH of my Contract. PLEASE HELP resolve this unpaid TAXES which I pay, when paying my mortgage totaling {$2000.00} per month, which {$10000.00} is for TAXES & Homeowner Ins ) Sincerely yours XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent letters to TransUnion on 5 different occasions XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to investigate on an account that i know is inaccurate they have only responded twice with these letters i have sent and one being a stall letter and another stating they have verified the account and marked as accurate when i know this account is inaccurate and they still have not complied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a Bankruptcy on my credit report today XX/XX/19 that is not mine. I have never filed for bankruptcy before. I investigated more and found out that this bankruptcy was clerically filed in error and it actually belongs to a person with a similar name as me. I am not sure how or why this error was made but I have already reported this to the courts as I never benefitted from this being on my credit report without my permission.
Product: Credit card

I tried to redeem a companion certificate on my XXXX XXXX Amex, but was denied. I contacted XXXX and was told that, although the certificate was valid, there werent any more seats set aside on my flights for this purpose. 
Nowhere in the terms and conditions does it say XXXX may arbitrarily deny the benefit or set limits. 
This benefit is advertised on promotional material encouraging credit card upgrades, but the numerous exclusions to its use are not. 
The XXXX rep told me that I should have booked earlier, which was XXXX because I was planning XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to remove known inquiries that are hurting my credit. I have contacted the company several times and they refuse to remove the inquiries. They told the CFPB that they sent me investigation information which IS NOT true at all. They have yet to send proof of my consent to these inquiries as asked and I want them removed immediately.
Product: Debt collection

XXXX XXXX XXXX, balance of {$170.00}. 

Rented XXXX XXXX XXXX. Paid a {$200.00} down payment, then my health insurance ( XXXX ) covered the monthly payments of {$50.00}. The machine was paid off by XXXX. Company is trying to double dip for payment. I owe nothing.