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

Before I start, I want to clarify that my complaint isn't related to any loan. However, I thought this was the category with the best fit. 

I purchased a car from XXXX XXXX XXXX on XX/XX/2017 with a cashier 's check from Citibank. The car dealership accidentally sent my car title to Citibank NA as they wrongly assumed I was financing my car through them. 

I'm now trying to obtain the title and the California DMV has told me that Citibank NA is the electronic lien title holder. I've tried to contact Citibank through multiple channels to request them to release the title ( as they're holding it by mistake ) and I've obtained no response so far. They tell me that they sold their car financing business years ago but they are listed as an XXXX  holder - otherwise the car dealership couldn't have sent the title to them. The situation is frustrating and pressing because I need to sell my car and I'm unable to due to the fact I don't have the title. 

Note that I've attached the following documents : - Letter from DMV stating that car title is held by Citibank NA - Sales contract proving that I paid the full amount with a check/cash ( {$18000.00} ) - Cashier 's check receipt from Citibank for the amount of {$18000.00} - Car 's registration card that proves that the car dealership incorrectly sent the car title to Citibank NA Car 's VIN : XXXX
Product: Debt collection

This is my second complaint against the following companies. 

Resurgent Capital Services L.P. ( " Resurgent '' ) and LVNV Funding LLC ( " LVNV '' ) are in violation of the Fair Debt Collection Practices Act ( " FDCPA '' ) 15 U.S.C. 1692f ( 1 ). The company is also engaging in racketeering activity and defamation of character.

1692f ( 1 ) prohibits debt collectors from making any attempts to collect on a debt unless expressed in the original agreement. The credit card statements, credit card agreement, and the chain of custody documents are all general. The company does not possess any account-level documents that would identify me as the debtor. They admitted this in their attached response. Please note that this Account is not specifically referenced in the attached chain of assignment. See Exhibit A CFPB Complaint Response The documents attached to the response do not address the accuracy of the documents. Many debt collectors have purchase agreements from original creditors that admit to their files not being accurate. In order to provide proof of claim you must show account-level documents that identify me as the debtor. 

Resurgent and LVNV are attempting to collect an alleged debt in the amount of {$690.00}. There is no contract that gives the company the authority to do this. Therefore they are in violation of the FDCPA, spreading false information about me to third parties and attempting to swindle me out of money. These crimes are held criminally liable under Title 18 with a fine of up to {$500000.00} and 20 years jail time.

To be clear, I am disputing this debt and invoking my right to obtain documentary evidence, in accordance with 15 U.S.C. 44 for the records as described in IRS Publication 583 for Account ending in 8079. In the event that Resurgent and LVNV do not have the documentary evidence I demand they immediately cease collection, XXXX out the account and delete the debt from my consumer report. Failure to comply may result in legal action.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$5200.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation, This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payment was made on time, which is within Toyotas 15-day grace period. The payment was not late and should not have been reported as 30 days overdue.

Clerical error by XXXX XXXX XXXX XXXX : My payment was processed on time, but due to a clerical error by XXXX XXXX XXXX XXXX, it was incorrectly reported as late. This error has caused inaccurate reporting across all three credit bureaus.

Evidence provided : I have attached bank statements and payment confirmations showing that the payment was made on time, well within the allowed grace period. This clearly demonstrates that no delinquency occurred.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint.

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I called last month in XXXX, I do not remember the exact date, to ask for verification of the debt. I have received nothing. They say it was in default since XXXX but it is reported on my account as recent and I can't get an apartment because of this. I have XXXXXX/XX/XXXX and we need to move. I told the lady I spoke to this account is not mine and fraud. I asked could she send me verification and she said yes, but I have not received anything. I told them the account might have been opened fraudulently by my now ex husband and she said she needs a police report. For something that might have happened back in XXXX? Really. I have no knowledge of this account and it was opened while I was married using my maiden name. I was married in XXXX and haven't used it since. My name is still my married name because I want to keep to match my children 's last name. I was married in XXXX so why would the card they say from XXXX be in my Maiden name of XXXX. I have attached proof of when I was married and that my name is still my married name. I have not opened a XXXX account in my Maiden name.
Product: Checking or savings account

I use Chime online banking. XX/XX/year>, I used Mail a Check feature, Chime took the Money instantly from my account in the amount of {$780.00} and gave an arrival date of XX/XX/year>. Today, XX/XX/XXXX, due date of my bill, I was informed they never received the check/payment! I called Chime  XXXX and was told the Check was processed but couldn't tell me if it was printed, mailed, or where it is... only the substandard of XXXX XXXX business days... I was also told if I canceled the check, it would take XXXX business days for my money to come back to my account ... these options are all unacceptable because the check should have arrived XXXX the XXXX not XXXX the XXXX XXXX... what would have been a week early on my bill is now XXXX weeks late on my bill and Chime support can't do anything acceptable to fix this! I needed my money sent back to my account today or ensured the check would be received soon! I've used this feature for over a year and have always had my checks sent when they said they'd be sent... It's horrible practice to take my money, not send the check, and then make me wait to either get my money back or wait to see if the check will arrive... They can take my money same day, but not refund it same day? Unacceptable! I have never been late on my house payment, now this month I am and this can not happen again!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no derogatory marks on my financial history since I first established my credit history. I am employed and have been for the last 6 1/2 yrs with the same employer. I have shown myself to be a good credit risk for several years, however, all three reporting agencies refuses to allow my credit score to rise higher than the XXXX XXXX. This could only mean they are using factors that play no part in my financial risk i.e. my gender, race, and my demographic which are all bias.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX I have paid off over {$9000.00}. in cred t and Loans. My XXXX  ( is XXXX and my XXXX  is XXXX but my Experian just dropped 24 points to XXXX. 
It actually seems that every time I complain, they drop my score! I have worked very hard over the last year to clear my debts but with the bad Experian repot I cant get a car loan. 
Their score is SO different from the other 2 it can't be correct. Please help.
Product: Mortgage

Our Bank of America HELC was paid off on XX/XX/XXXX in the amount of {$92000.00}. This included an overpayment of {$470.00}. 
The bank recorded a Full Reconveyance with our county recorder on XX/XX/XXXX. 
I contacted the bank by phone on XX/XX/XXXX and after waiting on hold for 30minutes gave up. 
I made an appointment with the bank and talked in person on XX/XX/XXXX and was told they could not help me, I had to call. I called the same day and after 48 minutes on hold spoke to a customer service rep who said a refund check has gone to an escrow account to benefit the borrower ( us ) on XX/XX/XXXX. 
To date XX/XX/XXXX, we have not received a refund of the overpayment of the loan The loan was paid off on XX/XX/XXXX. Over one month.
Product: Debt collection

On XX/XX/2023 I paid a debt in full to Caine and weiner, at the time that the debt was paid in full, I was told by the debt collector that the debt would be removed from credit account within 7 to 9 business days and that I would receive a confirmation email within 30 minutes. I never received the email, the debt was not removed from my credit report as stated. When I called back Caine Weiner I spoke with XXXX XXXX who was a XXXX, he stated the representative who took my payment gave false information and I would not be receiving an email or a letter of payment to remove the debt, XXXX stated I could call back in a few days and he would handle the email confirmation. I called back on XX/XX/2023 to receive the payoff confirmation, XXXX XXXX did not answer, a representative named XXXX XXXX said she would get XXXX on the line to help, she did not mute her phone and I heard XXXX state, Im not talking to her. I was then hung up on. I called back and was sent to voicemail 5 times. I called again and spoke with XXXX, she said she would get XXXX on the phone and agreed the behavior of misrepresentation from the XXXX customer service representative that took payment and XXXX was unethical, she tried to connect me with XXXX, it went to voicemail. I called back in and spoke with XXXX, she stated they would not speak to me because I stated I really didnt want to get an attorney involved but if they continued to misrepresent information and refuse to send me an email with confirmation of my payment then that would be my only option to protect myself as a consumer who had been lied to and taken advantage of. The company Caine and Weiner will no longer answer calls, it goes straight to voicemail. They lie to collect debts and give false statements about the amount of debts and the disposition of your credit after paying the debt. Do not work with this fraudulent company.
Product: Credit reporting or other personal consumer reports

This serves as my final notice before I pursue legal action. I have made multiple requests, and Im done asking politely. Despite my numerous notifications regarding inaccurate, erroneous, and unverifiable information on my credit report, no corrective action has been taken. 

Under the FCRA, you are required to retain original documentation from creditors to confirm that the reported information is accurate and verifiable. In response to your investigations and subsequent reinvestigations, you stated in writing that this information is reported correctly. I have repeatedly asked for clarification on who verified these accounts, yet you have failed to provide any original documentation as required by Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Additionally, you have not provided the method of verification as required under Section 611 ( a ) ( 7 ). Per Section 611 ( a ) ( 5 ) ( A ) of the FCRA, you are obligated to promptly delete any unverifiable information.

Sections 616 and 617 offer legal recourse if a credit reporting agency is noncompliant, which applies here. Since you have claimed verification of these accounts without providing any supporting information, I am giving you a final opportunity to DELETE the accounts immediately The continued misreporting of these accounts are causing significant emotional and financial distress, affecting my well-being, job performance, and family life. I urge you to address this immediatelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The US court ultimately ordered the business to settle the complaint, paying a fine of {$25.00} XXXX and allocating {$720.00} XXXX in settlement funds to the customers. The sum must be released to the users within the 90day period set by the court.
Product: Money transfer, virtual currency, or money service

Taking more money out my account then they should have
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts and have disputed multiple of times. Please remove them.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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  Opened XX/XX/year>, XXXX XXXX opened XX/XX/year>. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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: Credit reporting or other personal consumer reports

I have submitted many disputes about this issue between XX/XX/XXXX and XX/XX/XXXX. Please see the uploaded documents.
Product: Payday loan, title loan, or personal loan

I applied for a received a loan to start a small business. the loan appears on my personal credit. 

I wrote in once before about being unable to advance the payment due date when I make more than one payment. 

I received a {$4.00} invoice in XXXX, despite making 2 payments in XX/XX/2023, XXXX payments in XX/XX/2023 ( cover XXXX, XXXX, XXXX, XXXX ) and 2 payments at once in XXXX ( should cover XXXX and XXXX ). 

I received an invoice for XXXX payment in regular amount. I called and spoke with XXXX, who immediately transferred me to XXXX, when I said I was recording the call as well. 

I was disconnected and reached XXXX who transferred me to XXXX, who transferred me to XXXX, because XXXX could not access the system. 

XXXX said that only car loans advance payments with extra payments. I told her not true, because mortgages did as well. She said my loan will not advance payment. I asked her to show me that stipulation in the loan agreement or what law allows it. I told her that I asked and was told that I could make extra payments without prepayment penalty at the time of application. 
She said there was no higher escalation but conceded that she had a boss and that she was not in the CEO office. I state that was the second untruthful statement made to me. 

When I informed her that I was recording the call, she read a statement of not approving of being recorded and disconnected the phone, despite being told that Georgia and Federal law allows one party consent. 


WellsFargo reports this on my personal credit. If I want my payment date advanced with extra full payments, I have the right to. If they can not point to a law or loan stipulation, they need to honor that right. 

Also, they can not give themselves the right to record conversations and deny that to customers, who have a lawful right to do so under federal and state statute.
Product: Credit card

I apply for a credit card from Citibank XXXX times but they keep denying me. Even when my husband add me as an authorized user of his Costco Citibank, they did deny me. They also closed my account XXXX  years ago without any reason even we contacted them. They never explain what are the reasons. I've never been denied by any banks or credit card issuer because I have credit score around XXXX and never in debt, delinquent or over use my credit. It just happens with citibank only that makes me think they have a financial discrimination to me. I am very upset now and beg your help to my case with this bank.
Product: Debt collection

I, XXXX XXXX signed up through XXXX website. I have received 2 email alerts over 2 hard inquires on XX/XX/XXXX and on XX/XX/2019. It is from Company MIDLAND CREDIT MGMT INC Address XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone XXXX I have received letters from this Company, stating I owe money but does not state who/what this is for. If this is a old bill, I know for a fact this is over Statue of Limitation for this bill but unsure what is all about, as they don't state why I owe this or who the original bill is from. What is the original date for this and who is the original debt that I am suppose to owe. They just keep sending letter every 6 months to a year and inquiry on my credit.
Product: Consumer Loan

On XX/XX/XXXX i had a auto loan with Capital One Auto Finance, i made all payments on time, in XX/XX/XXXX i lost my job, I call Capital One Auto Finance and let them know i lost my job, they told me to make one last payment in XX/XX/XXXX, then i can give back the car and i would not owe anything, i did what i was told, i never receive any bill for payment so i guess everything was ok, i made arrangements for them to come to my home and take the car, now XXXX later on my credit report there is a charge off account for {$6900.00} which is harming me from getting anything any credit. I do n't understand how Capital One Auto Finance can get away with such illegal stuff, they talk to me so good took the last payment and i let them come to my home and get the car. then put that on my credit.Please help me
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX Has all violated my rights.

15 US C 1681 section 602 A states I have the right to privacy 15 US C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code XXXX ( b ) billing error- ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I sent certified letters within the last three months to all three credit bureaus and have not received a response.
Product: Mortgage

3 to 4 yrs ago, XXXX XXXX transferred its Equity Line of Credit loans to Ocwen Servicing Center. Beginning in XXXX, 2013, up to present I have repeatedly requested that any access payment made above my regular payment be applied directly to the Principal. This is not being done. Instead, when i call to make the next months payment to make the interest payment ( as the account is set up to pay interest only and any overage going directly to the principal ), but because the overage paid from the month before is not being applied to the Principal, an incorrect interest amount is being shown due to Ocwen 's failure to apply the funds to the Principal. This is an on-going issue and i have been to Supervisors, Managers, the Escalation Dept., etc. and this problem has still not been resolved.