23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

First of all, I contacted the Honda financial services to request them to release my title XX/XX/XXXX but I did not receive the title. So I contacted them again around XX/XX/XXXX but at that time I just figured out my previous request was simply ignored and need to request that again. So I waited a lot of time but I was never getting my title back. So I contacted them again and again ( more than 10 times ) from XX/XX/XXXX to XX/XX/XXXX to receive the title and could finally receive the title. However, the time passed to much so that I was supposed to pay the late for my car registration in XXXX ( I moved from XXXX to XXXX ). So I contacted the Honda financial services to request the reimbursement of my late car registration fee and they were just fine with the reimbursement and gave me their fax number to send the receipt of my registration. So I found a store to use a fax machine to send the receipt and did that. However, I did not get any check for the reimbursement. So I tried to contact them again. They just said to me that the faxed document is not readable and gave me a different fax number. So I tried to travel again to fax the receipt. However, I did not receive the check. So I called the Honda financial services again. Then, they just requested me to stop by their local Honda dealership to use their fax machine to send the document in there. However, I do not believe that this is not the problem of sender 's fax machine because I tried XXXX different fax machines ( at a XXXX store and a local stationery store ) and the problem was in receiver 's fax machine. So I refused to do that because I did not want to waste a lot of time again to repeat the same thing again and again. So I asked them if I can email the document but they simply ignored my solution and requested me to mail the document in my neighborhood. However, I felt that I had already wasted too much time and some money to resolve this problem so I asked to take the receipt in my house by sending their representative nearby because it is their turn to help me. However, they refused my request. They are just requiring me to spend my time and money to resolve this problem but not taking my reasonable request. Now I feel too much frustrated about working on this problem. As a total, I have called them more than 20 times, which would be about 10 hours calling and waiting time. Also, I need to travel about to find and fax the document, which would be about 3 hours as a whole. Also, I need to travel to XXXX DMV a couple of times more and need to call XXXX DMV a couple of times more, which would be about 3 hours as a whole. Also, I need to pay a little money for faxing. Also, I have gotten too much stress from this matter so that I could not work on my own work and study. So I have requested them to reimburse money for all of my losses. However, they just ignored my request. Therefore, I would like you to help me to receive the compensation of all of my losses and make a legal action. Thank you so much for your help in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an inquiry from an unknown company that showed up on my credit report. Also saw an account from US DEPT OF ED account # XXXX which showed up on my credit report that I never seen before and never gave them any written permission to report anything on my credit report. I need these deleted asap. 

Also they have multiple addresses and my name are not accurate on my credit report. I need them to delete any names in their system that vary from my name and delete any address in their system that does not match mine.
Product: Consumer Loan

This complaint is against the company Montgomery Ward which has extended tome a line of credit with a fixed payment amount. At the time of the problem my payment to them was XXXX dollars a month minimum. 

The basis of my complaint is that beginning on XX/XX/XXXX I was informed on the Montgomery Ward website that I owed them nothing. The payment amount which showed on the payment screen showed XXXX and the balance on the account was also XXXX. 

i checked this many times between then and today ( XX/XX/2017. Every time I logged on to my account i got the same information. 

They have tried insinuated but never clearly stated that this was a different account. Yet, it includes current information. 

Until I too my credit and debit card information off the account it had them posted even with updated information of recent changes to these cards. 

Please refer to support documents which verify the facts in this complaint. 

I will admit that the account numbers on the account did not match the ones on my bill which was sent in the mail. However, both accounts had the same information associated with them. 

The fact is that if the website says I owe nothing then I feel that I do not owe them anything. 

At this point I do not feel confident in allowing this company access to any of my personal information. They already have access to good portion of it. 

I have had to change bank accounts to avoid them having any of my banking information. 

This only a brief explanation of my complaint. I have provided a more detailed explanation with the support documents which accompany this complaint. 

Out of courtesy, i did send a letter to Montgomery Ward explaining my complaint. I never got a response on the letter nor even an acknowledgement of this problem. The letter I sent them is also included with the support documents.
Product: Debt collection

Called XXXX on or around XX/XX/XXXX in regards to Debt call from XXXX XXXX. XXXX XXXX told me he was an attorney for XXXX XXXX and he was trying to get money owed. I informed him I wasnt paying it because they lost everything XXXX owned down to her XXXX XXXXXXXX. He asked me if I filed a law suit against XXXX XXXX and I said no that I didnt know I could and he stated that if it was true I could. I told him they were inept a taking care of old people, they were short staffed had one nurse for 2 buildings and almost XXXX XXXXXXXX. He asked if I made a complaint with the state and I said yes and he said its not in his file. I told him a nurse from XXXX called me and asked me if XXXX was abused by other residents while she was there I told her no but continue to tell her about the staff shortages only one nurse for 2 buildings how they lost all her belongings and how they almost overdosed her. He tells me there is no report from the state in her file and I tell him I worked XXXX XXXX  and know complaints disappear. XX/XX/XXXX XXXX XXXX calls and leaves me a message on my voicemail telling me that ignoring their calls will not make the debt go away and that he feels that I am trying to get out of painted the date and that guy never intended to pay the debt that I fraud and the company, so I call XXXX XXXX back. I told XXXX XXXX that I am on disability and that I can not for the pet a lot a month I told him I could pay {$10.00} a month and he laughed and he said that he is not going to except that amount and I told him that I can not pay hundreds of dollars and hes like how about {$500.00} a month and I might know thats my whole check but what I live on and he pretty much said that that was not his problem, and again he said to me I think you purposely tried to defraud the company and that I never intended on paying the bill. Then he hears my dogs barking and says to me when you got dogs and I was like yes I have two years with dogs are pretty expensive are they and I asked him if he had dogs and he said no and Im like well then how would you know that theyre expensive. XXXX XXXX goes on to pretty much make fun of me because I am on disability Im gon na tell him you know I wouldnt be able to pay my bills if I paid {$500.00} a month to pay this bill back and he told me all that were gon na have to go to court, he tells me that XXXX have to send it to litigation and pretty much me having to give up everything I have to pay this bill back which would include my property. XXXX XXXX has been very crass and very rude with me. I have emails from XXXX XXXX being rude to me and I also have a couple voicemails if I have to continue to deal with XXXX XXXX this issue was never going to be satisfied. I would prefer not even talking to him. He is a very humiliating person. He puts me down and talk to me like Im an XXXX and threatens me. XXXX XXXX works for credit counseling Inc. out of Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX XXXX XXXX Subject : Request for Account Blocking and Deletion Due to XXXX XXXX Breach Dear Experian Team, I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent XXXX data breach. 

**Accounts in Question : ** XXXX XXXX # XXXX {$0.00} Hard Inquiry- XXXX XX/XX/XXXX Hard Inquiry- XXXX XXXX  XX/XX/XXXX **Personal Information : ** -Name : XXXX XXXX -Addresses : XXXX XXXX XXXX XXXX XXXX, Florida XXXX -Social Security Number : XXXX -Date of Birth : XX/XX/XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. **15 USC 1681c-2 ( a ) ** : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. **15 USC 1681i** : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 
XXXX. **15 USC 1681e ( b ) ** : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. **15 USC 1681g ( a ) ** : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. **15 USC 1681m** : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. **15 USC 1681n** : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.

I've attached a list of hard inquires in question. I have attached a copy of FTC Identity Theft Criminal Complaint 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. 

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 XXXX XXXX and I bought a property from XXXX based companies, turns out the property was not what we were expecting and we never got to use it. Staff lied to us about the value and tax benefits as well as our ability to use it! Filed complaint with Missouri Attorney Generals office and was told XXXX would cancel contract and require no further action from us. XXXX XXXX XXXX continued to bill us and we never paid as contract was canceled.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of an account listed as " XXXX '' on my XXXX credit report, reported on XX/XX/year>. Although the outstanding balance for this account is now {$0.00} and the account status indicates " Paid, '' the payment status continues to show as " Charge-off. '' Under the Fair Credit Reporting Act ( FCRA ) Section 611, I request an immediate investigation and correction of this information. Furthermore, according to FCRA Section 623, the data furnisher has a duty to ensure that all information reported is accurate and up-to-date. The continued listing of this account as a charge-off payment status is misleading and does not accurately reflect its current status as closed with a {$0.00} balance. Additionally, under FCRA Section 609, I am entitled to access and verify all information contained in my credit report, which supports my claim of inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello ; I have been at odds for the last two years with all three credit reporting groups ; XXXX ; XXXX XXXX ; and Eqifax. 
I have contacted them twice about correcting my name and business history ; and then my items like available credit. 
Most recently my credit score has crashed from nearly XXXX to XXXX without me doing anything but normal business. And their only answer is that I 'm using too much of my credit! 
I will give them the consideration that I have two disputes and a settlement finalizing about medical care ; but still all my accounts are paid. Even during XXXX treatment I was able to keep all my accounts up, and even later pay balances back down. 
At this point they just ignore my information and report all kinds of things like my available credit being something like {$2000.00} This is asanine!, XXXX XXXX has {$3600.00} available for me ; XXXX XXXX has over {$20000.00} ; of which I only used {$13000.00} and payments are current. Additionaly XXXX XXXX has offered {$38000.00} limits in auto finance ; four other credit offers have been made that total over {$5000.00}, and XXXX XXXX has offered {$6000.00} in a credit line. 
So, i have written them all twice to stop reproting only the bad parts of my credit file, and show the reality of the whole picture! 
This has resulted in a ripple effect of XXXX XXXX canceling one of my accounts and reducing all my accounts they administer, and my score has crashed from going up steadily to about XXXX, ( XXXX XXXX, back down to XXXX recently. And again a vendictive attitude, asanine excuses, and a one way mirror effect from them. 
The biggest thing they ever did was send my complete report from two of them, showing numerous entries of credit checks I never asked for, and again, no mention of my large credit open lines. 
I also closed a bankruptcy in 2007, and it expired, but the effect is like they are vendictive about not showing it. 
I am way over my head in how to deal with them and the more I say, the worse it gets. They take a defensive tact, and thats the end of that. 
Can you help, I ca n't afford to sue three big firms like theirs, and I guess they count on that? 
I actually think there is a collusion with some entities and their reprots since people that wanted my business had no negative things to say, like XXXX XXXX, but others just jacked up rates and snarled about the " negative reports ''!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$4000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX A XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Debt collection

Debt validation request was sent after daily phone calls XXXX XXXX XXXX  have been made by the debt collectors company. No validation has been received to verify the legitimacy of this debt just continued daily harassment
Product: Credit reporting or other personal consumer reports

Experian claims that I am late on credit card payments from my credit card company XXXX XXXX XXXX. 

XXXX XXXX XXXX confirms that I am not late and have not been late for a number of years. 

Experian refuses to update my credit score decrease because of this. 

I have disputed it twice
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

Months ago I addressed an account on my Experian Credit Report that had a XXXX/XXXX  XXXX account listed. This account in no way belongs to me. It is continuously hindering my ability to obtain credit and I need it removed immediately. The amount is {$400.00} and it says paid. I have attached XXXX  and XXXX  reports. Neither of the reports contain this XXXX account. Other than this negative remark on Experian I have exceptional credit. I am highly disappointed that it has not been corrected and frankly feel violated. This issue needs to be rectified Immediately!
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. They have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I mailed you a letter disputing 3 accounts as erroneous as certified mail with return receipt requested. I received notification that you had received the dispute letter in the mail on XX/XX/2022. I have not received a response from your company as of XX/XX/2022. In accordance with Section 611 ( a ) ( 5 ) of the Fair Credit Reporting Act, you have 30 days to investigate disputes. You must delete all disputed accounts from my report if you are unable to verify the information within the 30-day time frame permitted by federal law. The disputed and unverified accounts must immediately be deleted. Failure to do so could result in a {$1000.00} fine per item that is not removed. 

In accordance with federal laws, a Consumer Reporting Agencies shall only furnish information in accordance with the verbal or written consent of the consumer to whom it relates. Reporting a consumer 's personal or financial information without prior consent is a direct violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A.

I have enclosed the original letter Outlining the disputed accounts.

Since I am prepared to pursue this matter in Federal Court, if I do not receive formal notices that these unverified accounts have been removed, I will file a lawsuit for identity theft, invasion and deprivation of privacy, defamation of character, and for impermissible purposes. Please be advised that as part of the legal proceedings, I will be seeking monetary damages for the numerous violations committed against me, the consumer, a natural living person. These compensations are non-negotiable as I have already given you the opportunity to remedy this matter. I'd like you to send me a free updated copy of my new credit report after you've removed these account ( s ).

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the lawXXXX XXXXXXXX Date Opened : XX/XX/06 Balance : {$0.00} XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection ACT ( CFPA ). Specifically, Cash App failed to provide timely and accurate measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

on XXXX i sent Citibank a written noitice requesting alleged charge-off information for account ending in # XXXX in which they received XXXX. this alleged account has been in dispute since on or XX/XX/year>, and the matter has yet to be rectified. i have a right to knwo about any alleged harmful information your corporation has about me and im am asking you to provide me with such information and to handle the disputed alleged account ending in # XXXX
Product: Mortgage

" Inherited '' mortgage after father died. Took7 months of repeatedly submitting the same paperwork to even get info on the mortgage, despite the fact that I 'm the executor. Went in person to branch, said they can not help because they are not corporate. 
Refused any forbearance while we were trying to figure out funeral costs, etc. 
Attempted multiple times to modify mortgage, but paperwork was " never received '' by Chase. 
Chase sold mortgage to XXXX, did n't tell me. Said they sent a letter that I never received. Presently can not make payments or do anything with mortgage because the transfer has n't been completed, according to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to Accelerated Collection Account Number XXXX. I sent a dispute letter by mail and it was returned as not deliverable and this is a violation of the law. All items on a credit report must be 100 % accurate and verifiable and this item can not be verified because I send a letter to the address being reported by the collection company and it was returned to the sender. Therefore I am demanding the item be deleted from my credit report at once or I may refer to a consumer credit attorney.