23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I was solicited by a state farm insurance agent to refinance my vehicle with state farm bank. The proceeds of the state farm loan were to pay off the prior loan. The prior loan was paid and the release from the prior lender was sent to State Farm for filing. State Farm did not file the release from the prior lender but instead held it and still holds it. I wanted to sell me car and pay off my state farm loan. The problem is that the buyer said I had to get the lien from the prior lender removed from the title. When I asked State Farm to submit the release to the XXXX, State Farm said it would not unless I paid off the loan to it. It told me to tell the buyer XXXX to accept its guarantee that it would release the prior lien when they were paid off or I should find someone else to buy the car. I went to XXXX to avoid problems with receiving payment. And, I think I should be allowed to sell my car to who I want to sell it. If State Farm had released the lien of the prior lender when it received it as it should have then I could go to XXXX, tell XXXX that I owe State Farm and they could pay State Farm and I could stop paying interest and insurance ( also through state farm ) on a car that I want to sell. But as it stands now, I have a title that shows a lien holder who has been paid off and can not sell the car. When trying to get the problem resolved I have talked to a number of people at State Farm who have given conflicting answers and told they would escalate the issue but nothing happens.
Product: Mortgage

I applied to refinance my grandmothers mortgage at the end of XX/XX/XXXX because she has a reverse mortgage that is eating away at her homes equity. I applied online with Navy Federal as her POA. When the loan officer, XXXX, was assigned, I called her directly and left her a detailed message about who I was and why I was applying. She called my phone on XX/XX/XXXX @ XXXX pm asking for my grandmother to call her back. I called her back immediately & she didnt answer. Again, she didnt call me back. Even though she never responded to me, I could still see the progress of the loan that she pushed forward. Every time I got an email asking for something, I immediately uploaded it or responded to it. It just got sent to underwriting a few days ago & today I received a denial package stating that they couldnt verify her identity, credit info, and that her application is incomplete. I am completely confused because no one has called me at all asking for info or trying to verify anything. XXXX only called once & she never responded back to my requests to call/email me back. I placed a credit freeze on my grandmothers credit reports to keep others from being able to open anything in her name. It was lifted when I first applied and for a week afterwards. They were able to pull her credit at least once!!! So, when I got the denial info today, I emailed XXXX and attached the POA that Navy Federal already has on file, my grandmothers ID, and my ID. I also lifted the freeze again for them for a week. They are denying her due to age. Her credit is perfect because I handle her bills, and their mortgage staff does not seem to recognize the powers I hold from being her POA. I gave them everything they needed & they have not communicated with me outside of sending things that needed signature through the portal. No phone calls or direct emails. I asked XXXX how to appeal this denial and, again, no response. I gave her all day to reply before filing this complaint. My grandmother has XXXX and can not handle her own affairs, so they will need to speak to me. I am not accepting the reasons listed for the denial because they were able to verify her ID ( identity already verified before by Navy Federal ), her credit info ( they pulled her credit already & I even had to pay a fee for them to do so ), and incomplete application ( nothing at all was showing in the tasks because I complete them as soon as I get the email alert ). They are making up reasons to deny her when the only issue is her age. I dont even live in VA XXXX so I dont know why me handling this for my grandmother is causing an issue. I handle everything for her. They are simply discriminating & choosing not to honor the POA.
Product: Mortgage

Mortgage was bought out by Wells Fargo. House was sold in XXXX of 2014. 

Payoff seemed high and full of fees but we had no choice but to pay what was calculated
Product: Debt collection

I am writing to formally request the removal of a debt from my credit report based on the failure of the creditor to validate the debt as required by the Fair Debt Collection Practices Act ( FDCPA The amount of this debt is XXXX Company name is National credit system
Product: Debt collection

This is the law for THE complaint I filed XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code ( a ) IN GENERALSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or 18 U.S. Code 1028A - Aggravated identity theft U.S. Code ( a ) OFFENSES. ( 1 ) IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( 2 ) TERRORISM OFFENSE. Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years. Complaint ID for reference : XXXX XXXX XXXX THESE ARE THE NEGATIVE ACCOUNT THAT ARE IN QUESTION Collection Account XXXX : XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have failed to receive notice of investigation from the following XXXX bureaus : Experian, XXXX, and XXXX. The following credit report has stopped me from receiving funding and good character when applying for anything. Letters sent out on XX/XX/2022, since then i have received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries being reported on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/21 I was given a checking account number and routing # to pay off my credit card balance of {$6700.00}. My credit card balance after 3 days showed a {$0.00} balance. I was asked in return to make a XXXX payment on XX/XX/21 to someone for {$6100.00} in the promise that it would be paid with the same checking account that paid off my credit card. On XX/XX/21 the original payment of {$6700.00} was returned as insufficient funds. I was told to send it back through because the bank messed up and there was definitaley money in the account to pay the balance. 
I submitted payment for the XXXX transaction on XX/XX/21 in the amound of {$6100.00}. It was returned as insufficient funds on XX/XX/21. 
I disputed this transaction of {$6100.00} on XX/XX/21. Sent in all of the requested information. 
Received a letter on XX/XX/21 that my dispute had been settled and I was responsible for the transaction of {$6100.00}.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by law to verify through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts in question. Your failure to positively verify the account which I have disputed has hurt my ability to obtain credit. Under the FRCA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the disputed accounts. Please notify that the items have been deleted pursuant to 611 ( a ) ( 6 ) 15USC 1681j ( a ) ( 6 ). I would like to remind you, using the E-OSCAR method to verify these disputed accounts which you are aware of, is against the FRCA guidelines. I was told by representatives of all 3 major credit bureaus " I will not get a validation letter or a investigation letter as I requested by State and Government law as a consumer. '' Please include also the method used to " verify '' the debt you claim I owe. I have requested the person 's name, phone number, company address, company name and the individual 's title of the investigation. Please remove all non-account holding inquiries.
Product: Bank account or service

I applied for a checking account with Penfed with the anticipation of establishing a joint account with a person I bought a home with on XXXX XXXX not knowing that they were going to do an immediate hard credit pull over the phone without notifying me. I was trying to apply for a mortgage at the same time so this was disconcerting. After being bombarded with emails and paper post I decided to cancel my account almost immediately after. Someone over the phone told me it was easy to cancel and they said they put through the request immediately. I find out today XXXX XXXX that the account was never closed. The reason is because they require XXXX separate notarized documents, a copy of my social security ID, my driver 's license, and a utility bill, just to close a bank account that had {$5.00} in it. They cite the Patriot Act as the reason for doing so, but could not say why. I think this is costly, a waste of time, and extremely misleading to the consumer about the practices of this bank. I think they put these obstacles in place to trap their customers in to an account, as I 've never had difficulties cancelling an account with any institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunions report to the other two credit company saying there a police report saying my address is fraud which i never had done. 

i upload documents of my passport, my rental ledger which shows my address and how much rent owe and my credit card statement which shows my address.
Product: Payday loan, title loan, or personal loan

I took out a loan on XX/XX/2020 for XXXX from Cash Store / Cottonwood Financial in Texas. The first payment was to be paid on XX/XX/2020 for XXXX. My household had a financial hardship and I couldn't pay the loan, so I asked for a EPP, extended payment plan, with the store manager, before the due date. I understood I owed a debt and wanted to take care of it. They said they would have to turn the account over to corporate collections and after waiting to hear from Corporate Collections I was told there was no EPP. I contacted XXXX XXXX and XXXX ( debt settlement company in Florida ) to help with my debt. They drafted a settlement offer that Cottonwood Financial rejected. I then started to receive calls from Cottonwood Financial and agreed to pay them directly at 10 % of the account balance for 10 payments. I received a letter on XX/XX/2020 confirming my commitment of a payment for XXXX on XX/XX/2020 and then on the XXXX thereafter, the account balance is XXXX. I then received another letter on XX/XX/2020 basically stating the same thing. I made my payment on XX/XX/2020 in the amount of XXXX. Today XX/XX/2020, I received a call asking me to take out another payment and I asked if I could move it back to the XXXX because our household is affect financially due to the Covid-19 pandemic. The man was rude and said we had an agreement but might allow this concession. He then told me he had to change our agreement to a higher dollar amount because there was a delay/payment reporting error in their system and they said the balance was XXXX and he would have to raise my payment to XXXX per month. I told him we had an agreement and I agreed to pay the promised amount per the 2 letters I received. He said he will draft new letters and disconnected the call. I called back and spoke with a lady that said the payment posting errors were my banks problem and I had to take it up with them. She stated the balance of XXXX and I can pay whatever I want and they will collect their money. She then said we had been on the phone too long and hung up. I was trying to tell her I agreed to pay the XXXX for 10 payments like we agreed to do based on my new payment agreement, but she hung up.
Product: Checking or savings account

On XX/XX/2022 I was charged by a merchant XXXX repayment for {$1000.00}. This was a merchant that I previously back in XXXXXXXX XXXX XXXX filed a claim on stating that they were prudently and falsely charging me. I won the claim and Wells Fargo found they owed me more and rewarded me. However in XXXXXXXX XXXX XXXX XXXXXXXX used a different merchant name to charge me and Wells Fargo allowed that and posted it. I immediately filed a claim and they issued me a temporary credit. Well a month later they stated that because the claim was outside of a 60 day window. It was not I cant receive my money back and my credit is being revoked now overdrafting my account. They found that in XXXXXXXX XXXX XXXX that XXXX charged me for XXXX and that was the only reversible charge because XXXX fell outside of the 60 day cycle. 

I have now been refunded XXXX dollars and was told my XXXX dollar charge will now stick. This is negligent and they refuse to help me and wont provide me thorough responses now a month later
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has not been properly verified for inaccuracies. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Every bureau is reporting a different date of last activity and date opened for this account.
Product: Credit reporting or other personal consumer reports

Recently upon checking my credit report I noticed that I have been a victim of identity theft and found numerous credit inquiries that I had no knowledge of. I also found an account by XXXX XXXX that was also fraudulently obtained with my information! I received notification that my information was involved in a Breach from XXXXXXXX XXXX XXXX XXXX. They stated that my personal information was accessed and downloaded from the banks database and a XXXX during periods in XXXX XXXX XX/XX/year>. I contacted these creditors and they stated that they had no account on file for me. However according to Fair Credit reporting Act, Section 605B... It is illegal to report information on my credit report without my permission. Also Law 15 US Code 6802 states that no financial institutioin can share my non public information with a 3rd party entity. Please Remove this item from my credit report. I have once again enclosed the letter i received from XXXXXXXX XXXX XXXX XXXX  and also a FTC report
Product: Debt collection

GENESIS Credit management refuses to take this unpaid balance off my credit. The timeline, ownership of account and circumstances of when this accrued were all protected by government. My wife was the owner of the lease at the time, and she hasnt lived there in over 3 years. And I never signed any lease paper work. My wife was the guarantor, not I. And I tried telling them multiple times but they wont remove. They asked me if my drivers license was ever issued there which it wasnt. The address Ive been under until I moved in XXXX XXXX XXXX XXXX XXXX XXXX Not the address for XXXX who is trying to collect. My wife at the time had qualified for the covid rent assistance which the state paid the building. This wasnt supposed to go on her credit. So something back from XXXX since they couldnt collect from my wife they threw on my credit at the end of XXXX. Almost 4 years later. Their tactics are unethical, I want this removed from my credit asap. From all three credit bureaus
Product: Credit reporting

My name is XXXX, I 'm writing because in XX/XX/XXXX, a state tax lien was removed from TransUnion, XXXX and XXXX Credit Reports. However, two weeks ago it reappeared on my TransUnion and XXXX reports. I never received any notification with TransUnion or XXXX that they were adding a State Tax Lien. I 've attached a copy of my paid state tax lien and a copy of my Experian credit report showing no Public Records on XX/XX/XXXX. I 'm requesting TransUnion remove this state tax lien because they violated the law when they did not notify me in 5 days of reinserting tax lien.
Product: Checking or savings account

I am having difficulties closing my Chase Bank checking account. There is only one Chase Bank branch in the state of Minnesota, therefore I wanted to close this account without making the drive to the only location. There had been no activity on this account for two months as this account was not my primary checking account. 

Contacted Chase Bank via telephone on XX/XX/19 to close both a Checking and Savings account with them. Savings account was closed immediately by the representative with the balance transferred to the still open checking account. I was transferred to another employee to assist with closing the checking account. Customer service representative said the account would be closed immediately with the checking account balance of {$1800.00} was to be paid via check sent to my home within 5 business days. 

On XX/XX/19 ( 7 business days later ) the check had not arrived so I contacted Chase again via telephone. The account representative said the account had not been closed and check was not issued. This representative went through the same steps to close the account and promised me the account was closed and check would be in the mail the next business day. 

On XX/XX/19, I noticed via online banking there was a negative balance of ( {$29.00} ) on my checking account. A check had been issued from Chase bank in the amount of {$1800.00} ( greater than my current balance ) which caused my account to overdraft and go negative. I contacted Chase again on XX/XX/19 to question how this had happened. The representative was unable to explain how this error occurred and was unable to quickly resolve the issue. The account was still not closed and was unable to be closed because the account balance was negative. After 45 minutes on the phone speaking to multiple people, I was finally able to get a stop order was placed on the issued check with a new one for the correct remaining balance issued the next day. I was told it would be another 7-10 business days before the check would arrive. 

21+ business days to close a checking account is unacceptable. This is NOT a reasonable time period for the bank to hold on to my money. I am not confident that this will even be resolved without another phone call.
Product: Credit reporting or other personal consumer reports

I am reporting this company, known as Chime, because there has been a fraudulent account opened in my name with these people, to which has negatively impacted my life and is completely fraudulent. I just saw on my credit reports that there was a fraudulent trade line from Chime/XXXX? With a balance owing to which I vehemently deny ever opening. I never even knew who these people were until I saw this negative trade line on my reports, as Ive never even done business with these people ever. Ive seen thousands of separate reviews of accounts being opened in peoples names, and not being able to close accounts, nor being able to contact anyone from their organization. And considering all my personal, identifying information, such as Social Security Cards, IDs, etc were all stolen back in XXXX and in XXXX, I know this is another fraudulent account I have to address. As per advice from my attorney, I am allowing this one and final attempt to rectify this situation, by closing this account with a balance of {$500.00} and deleting their trade line from all my credit reports ( XXXX, XXXX, & XXXX ) immediately. Or formal litigation will commence against Chime and all its subsidiaries. This is a clear sign of fraud and identity theft, and I expect Chime to view it as such as well, and remove their trade line.
Product: Checking or savings account

I went to my local TD Bank branch ( XXXX XXXX XXXX XXXX XXXX, NJ XXXX ) on XX/XX/2020 to deposit {$1000.00} dollars into my checking account. When I input the money into the ATM, the machine showed an error message and printed me a receipt stating that I had an issue with the {$1000.00} dollar deposit and the ATM swallowed the {$1000.00} dollards I deposited. The receipt said to reach out to TD Bank via call. I reached out and provided them the details and the Record number of the dispute. Upon them reviewing the incident, they compiled a review and determined an error did not occur. This money was to pay overdue bills and now I am struggling to find how I can get my money back into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX