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

I am currently a longtime TitleMax customer, and I am currently stuck in a title loan with this company that originated in XXXX of XXXX. I took out this loan at a time when I had no other options as my husband was XXXX and on XXXX  for XXXX XXXX. I borrowed just under {$4000.00} at the time, and I have been paying at least {$500.00} each month since then which has resulted in more than {$24000.00} in payments of excessive interest and late fees for my XXXX XXXX XXXX. 
I have attempted to contact the office, and in my communication with the associates at the XXXX, Georgia location, I have been unable to come to a resolution, and each time I attempt to contact the corporate office via their XXXX number, I am rerouted to the XXXX XXXX which has constantly communicated with me using deceptive and financially abusive tactics to drain me of more than XXXX times the amount of money that I originally borrowed XXXX  years ago under the constant threat of " pulling in '' or repossessing my vehicle. 
Since XXXX, I have paid TitleMax 's excessive interest and fees in spite of financial difficulty, a worldwide pandemic and the historic inflation rates following the pandemic. 
The jingle from the ads from this company says, " Get your title back with TitleMax! '' That's essentially what I expect as a result of this complaint and an honest review of my account. I expect for TitleMax to settle this account as paid in full from a corporate level, and I want my title back, as it is the only ethical thing to do in this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my credit report online. There was a U S Bankruptcy Court item listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the original creditor, the must remove said information from the consumer credit file. 
The US Bankruptcy Court does not provide information to credit reporting agencies, no do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or third party providers who collect information regarding public cases from public records. Public records information is never validated by the Recorder of Deeds nor the U S court system due to the Fair Credit Reporting Agency Privacy Law. 
They further stated while they are not liable or responsible for any misuse or incorrect pulbic records, nor the distribution of said information, public records may, and often times are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be permentantly deleted from my credit report immediately. 
The TRANSUNION Credit Bureau needs to provide me with copies of all documentation associated with these public record accounts bearing either a court order to place this information inf my credit report, or my authorization of relase bearing my signature. In the meantime, to be in full compliance with FCRA Laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further admised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623. ( a ) ( 3 ). 
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify-through physical verification of the original signed consumer contract and/or judgement- all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fradulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within 30 days, I will be filing a complaint to the Federal Trade Commission, and Consumer Financial Protection Bureau. 
Failure to respond in a satifactory manner within 30 days of receipt of this letter will result in a small claims action against the TRANSUNION Credit Reporting Bureau. I will be seeking no less then XXXX in damages for, but not limited to 1 ) Defamation 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. 

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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX Balance : {$470.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX.
Product: Credit card

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX received in registered mail a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX totaling XXXX ( XXXX XXXX ). 

On XX/XX/XXXX I Received notice of accounts suspended. I called in and spoke to an agent. Even after pointing out multiple violations, she proceeded to unlawfully close XXXX accounts. XXXXXXXX XXXX XXXX XXXX XXXX  was revoked XX/XX/XXXX. I explained that the attorney-in-fact disallows this but she said " whatever ''. I explained this action would be in violation of SEC filing XXXX XXXX XXXX XXXX XXXX XXXX article XXXX section XXXX satisfaction and discharge : cancellation of notes held by issuer, Article XXXX section XXXX unconditional right of a note holder to receive principal and interest, Article XXXX section XXXX indentured trustee certain duties and responsibilities, Article XXXX section XXXX payment of principal and interest, section XXXX money for note payments to be held in trust which says to execute and deliver to the Indentured Trustee and section XXXX performance of obligations. 

On XX/XX/XXXX I faxed XXXXXXXX XXXX XXXX XXXX XXXX XXXX request to reopen accounts. It was indicated that XXXX XXXX XXXX XXXX was in receipt of the receivables/notice of claim to interest and closed the accounts. This evidences dishonor UCC 3-505, notice of knowledge UCC 1-202 , UCC 1-102, non-adherence to rules relating to debt instruments 26 CFR 1.1275-2, impersonating the true and lawful holder of each asset backed security of these accounts 18 USC 914, UCC 8-205, violating obligations UCC 3-419, UCC 3-104, UCC 1-308, UCC 3-306, 18USC8, 31 USC 3123, 26 CFR 1.385-3 and incurs civil penalties 12 CFR 215 .11. I also requested validation of debt on all accounts since XXXX in accordance to 15usc1692g, which is also denied. 

On XX/XX/XXXX I received proof XXXX XXXX XXXX is keeping and trading a bank account in my name with no authority. This is identity fraud & violation of the bankers acceptance amongst others.
Product: Debt collection

Midland Funding LLC by XXXX XXXX XXXX XXXX XXXX XXXX XXXX divulge my debt to a third party in order to track me down. On XXXX XXXX, 2015 police officers delivered a " CONSENT JUDGEMENT '' to XXXX XXXX XXXX, XXXX, LA XXXX.
Product: Checking or savings account

Unauthorized charges on my debit card, but was never notified by fraud protection department - nobody reached out to me in any way. I had to read about it from others online. It has been impossible to get through to anyone in customer service, sometimes there has been a 2+ hour wait! Ally bank has not been forthcoming about what is going on, no communication/statements whatsoever. I shouldnt have to hear through the grapevine that my card has been compromised!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : LexisNexis XXXX XXXX & XXXX ( THIS IS NOT A DISPUTE-Duplicate ), " Method Of Verification I recently disputed these accounts with the credit bureaus as not verifiable from the Courts : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have letters from the Courts in TX, XXXX and XXXX, all three state they are not Furnishers nor Information Providers To Any XXXX XXXX XXXX. 

We both understand that investigations are often conducted using software, which can lead to errors and limitations in record verification. I have already contacted the FEDERAL TRADE COMMISSION and filed a FTC as well as a complaint with your State Attorney General, which is also included with this correspondence. 

In accordance with 15 USC 1681c-2 ( c ) ( a ), it is crucial that you, as a credit reporting agency, take swift action to ( Return In Writing ) all information related to this Method Of Verification. This statute requires credit reporting agencies to address such requests promptly, within four business days of receiving a complaint.

I am formally requesting a description of the procedure your bureau used in providing all information to the ORIGINAL CREDITOR in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is require to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

If you are unable to conduct a reasonable investigation or can not locate the necessary documents to address my disputes, you are obligated by the FCRA to remove the negative information from my credit reports, which may include the complete removal of the account.

Additionally, the FCRA mandates that this misinformation should be permanently blocked from any future reporting attempts by your company or any related entities.

If you have conducted a proper investigation and determined that the information is accurate, please provide me with a detailed explanation of the METHODS USED and the records reviewed during your investigation. I would like to receive copies of any documentation so that I can verify the accuracy of your findings and ensure a thorough investigation was performed.

./////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// This letter is written by my own initiative, ( NOT BY A CREDIT REPAIR COMPANY, NOR BY ANY ATTORNEY, SOLELY BY MYSELF ), and I expect all correspondence related to this dispute to be sent back to me at the address provided above ( OR ) to my email address @ XXXX. 

This is an effort to rectify the false or misleading information currently on my credit reports and to correct your records.
Product: Credit reporting

I have tried for many years to get my credit reports from XXXX. Tried online and also phone and paper. No reports. Once, XXXX did send a report, and I got some Transunion information through an insurance company. Those exceptions aside, my requests go nowhere. Our banks other financial institutions all advise checking credit reports frequently, at least annually. But XXXX 's failure to provide that service and, more important, failure to provide any reason for NOT providing it, is most frustrating. 
. 
We ( wife and I ) believe we have excellent credit, probably close to XXXX. We do n't need more credit, but we do need to check our credit reports for accuracy. That 's all we want. 
. 
I spent this evening trying unsuccessfully to fill out XXXX 's Contact form. Again and again, I composed a detailed and clear statement and request for help, only to be dropped out of the form with several ( six ) different errors that did n't happen. No help there. 
. 
I want to know what the problem is. Is there something wrong with our accounts? Do we need to be concerned about possible identity theft? 

I did not fill out another request in recent years. It 's clear what will happen : nothing. 

Can you help? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. ( XXXX ) XXXX From XXXX XXXX to XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX. ( XXXX ) XXXX.
Product: Credit card or prepaid card

I had my existing Account without a true issue for years, recently I needed a new card issued. I asked for the card in XXXX, card was damaged/lost I asked for a replacement card XXXX, XXXX, XXXX, XXXX and XXXX. I have been promised each month the card will be sent. I can not unlock my account without the vvc code on the missing card and I have been charged for late payments when my card company has failed to send the card over the last several months. I have no way of actually tracking the day to day usage as I have no way to access the account without information on a card that I do not have. In a conversation with XXXX, a customer rep, she informed me that there were NO reissues of cards sent out since XXXX. I asked for a supervisor XXXX took the call I explained my frustration for the lack of the receipt of a new card. She said they have reissued the card but she saw no requests being filed for a card in XXXX, XXXX and in XXXX the rep *ID # XXXX never placed a request into the system for my replacement card. They did however, send me a letter stating the account was flagged to be closed for fraud, that never happened and the card also NEVER came. I have a small XXXX chargeable credit limit but the concern is IF they can not manager to reissue a card, one of the simplest of acts, my concerns are WHO are these people handling my account overseas? How secure is the company that has my information and If I did just cancel the card would i be effecting my credit adversely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the failure of XXXX, TransUnion, and XXXX to provide a timely response to my credit report disputes. On XX/XX/2023, I sent certified letters to each company disputing several inaccuracies on my credit report. The letters were delivered on XX/XX/2023, with the respective tracking numbers : XXXX ( Tracking Number : XXXX ), TransUnion ( Tracking Number : XXXX ), and XXXX ( Tracking Number : XXXX ). However, it has now been over 30 days, and I have yet to receive a completed report on any of my disputes. I request the CFPB 's immediate assistance in resolving this matter promptly.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation : 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
Product: Mortgage

Four years ago, I applied and received a Step Rate Modification Home Loan at Wells Fargo Bank. The interest rate on this modification will reach its cap rate in XXXX XXXX. That rate will be much higher than the current rate ; therefore, in XXXX of this year, I applied for a new home loan modification. 
I received a letter from Wells Fargo on XXXX XXXX, XXXX indicating that an escrow account would be established as a part of any new modification process. On XXXX XXXX, XXXX, I received a letter stating that I was denied the requested modification due to my NPV. I appealed the denial and that appeal was also denied. After the second denial, Wells Fargo attached an escrow account to my current loan. This is not in accord with our original loan agreement. Now, my loan includes my property taxes and home insurance. This results in my monthly mortgage being elevated to a level that is difficult for me to pay. 
Most of my finances are paid to me quarterly, not monthly. Adding the Property Tax to my monthly home loan will cause me an unwarranted hardship. I explained this to Wells Fargo. I have owned my home for 20 years and have never failed to pay my property taxes or home insurance. In addition, I have always paid my mortgage before or on the due date. 
I feel that the new escrow account attached to my loan is an injustice ; it causes me financial hardship. Wells Fargo is not honoring the original modification agreement. In addition, this escrow account was established after I applied for and was denied a new modification. 
Two years ago, Wells Fargo attempted to implement an escrow account that was not a part of my loan agreement. At that time, I contacted your office and your office resolved the matter. Please assist me in resolving this matter again. 
I continue to get correspondence from Wells Fargo indicating that they are looking into the matter. Meanwhile, I continue to have property tax and insurance added to my monthly mortgage statement. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I sent information to all three credit bureaus regarding a bankruptcy that was being inaccurately reported on my credit report. After contacting the Bankruptcy court I sent proof stating the information was inaccurate and that the bankruptcy court does not report such information to credit bureaus. I will attached the information that was provided to the credit bureaus.
Product: Debt collection

lVNV does not own the original contract for the Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The original creditor capital one can't provide any documents containing my wet signature. The debts were created without my consent or knowledge. My personal identity, identification were used to obtain these debts. They made no attempts to verify my identity for these debts. The purchaser of the debts are recording improper dates. The original dates of the debts must be used. They can't claim the debts as new debts. The debts exceed the statues of time allowed to report the debts. Please remove these items.

As per 15 USC 1692 the collection company has sent mail and emails and calls and texts and violated the telecommunications harassment laws.
Product: Checking or savings account

Bank of America locked my checking account on XX/XX/19 due to " suspicious activity ''. I have a bank printout that shows a balance on XX/XX/19 of {$5900.00}. 
I was told verbally by the local bank manager that there was an issue with a check deposit of {$3300.00}. The check was improperly modified but was initialed by the owner who issued the check. 
On XX/XX/19 I received a cashers check {$1000.00} and a statement that said the issue was closed. 

Subtracting the suspect amount from the balance statement leaves a total of {$2600.00} due to me. 

The check for {$1000.00} is short by {$1600.00}.
Product: Mortgage

My credit rating for all three companies continuously shows delinquent charges even when XXXX XXXX & their Mortgage company PHH Mortgage has formally submitted a mortgage condemnation 1099 to the IRS. All three credit reporting companies  have not updated my credit rating since XX/XX/XXXX even after being shown proof that the claims are fraudulent claims by XXXX XXXX & their Mortgage company PHH Mortgage. I have filed claims before that were investigated by lawyers at the law firm XXXX XXXX XXXX XXXX CO instead of directly by the company 's listed above. The mortgage in question was an illegal mortgage as was the primary cash purchase loan and the following second mortgage to begin with and the house needs to be condemned because it is not built to national or local building codes. Because of the incorrect reporting they are slandering my reputation, my creditability and my credit rating on a daily basis. This has been ongoing since XX/XX/XXXX when they forced the liquidation of investment holdings that were held as collateral for a line of credit that was used as a second mortgage on the same property. I was not in the Arrears with either loan. The XXXX XXXX XXXX  took this action after I informed XXXX XXXX XXXX XXXX XXXX that the house was not built to national or local building codes. Here is a link to all the evidence. https : XXXX! XXXX? XXXX
Product: Credit reporting

I did provide details on which transaction. They are just making up excuses again. 
I am waiting for the corrections. 

I am still waiting for Equifax to provide the data I have requested.
Product: Mortgage

XXXX Mortgage and BSI Financial , Inc., both mortgage servicers - failed to credit my mortgage account for HAMP payments. I had to sue them in small claims court in order to force them to comply with the law.
Product: Payday loan, title loan, or personal loan

I have an installment loan with Lending Club. For the last few months I have been making more than the minimum payment. Thereby reducing the principal each month. This has reflected in a reduction in the interest I owe them per month. On XX/XX/XXXX of this month I added {$600.00} more to the payment. I always call in the payment to instruct them to reduce the principal with the added money I am committing as I did on XX/XX/XXXX. The phone call is always prefaced by a recording which states that the phone call is being recorded and it is an attempt to collect a debt. As always I instructed the agent to apply the additional payment to the principal and I would be making XXXX 's payment as scheduled. She acknowledged the same. The following day I checked to see how much of a reduction in interest there was based on the prior months additional principal payment. To my surprise I saw that lending club took it upon themselves to pay XXXX 's payment and hit me with a whopping {$270.00} interest charge instead of an approximated {$180.00} charge. 
I immediately call them on XX/XX/XXXX. After 1 hour and 21 minutes on the phone with them after being transferred to 3 other people I was advised it would be corrected in 24-48 hrs. I called on Friday XXXX XXXX after waiting 52 minutes in a queue, I was advised that it was approved and would reflect no later than Monday XX/XX/XXXX. After checking on Wednesday XX/XX/XXXX I saw nothing was done. I called again and was told the only option I had was to make an additional payment but the interest would not be refunded or adjusted accordingly. 
I have since checked their reviews and come to realize after the fact, that this is customary with this company. It surely smacks of fraudulent business practices.