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

Dating back to XX/XX/2020 I have been trying to register my vehicle in WA as a new WA resident. 
To complete this process I requested that the lienholder on my vehicle, Chase Auto initiate a title update process to title the vehicle in WA so I can proceed with obtaining a WA registration. 
Chase verbally confirmed that they had initiated the title update process on the phone repeatedly through the month of XXXX and provided a completion date of XX/XX/XXXX. The vehicle 's registration in California expires in XXXX, so completing the registration process by XXXX is essential to make sure the vehicle remains legal to operate. 
During the last week of XXXX, not having received an update from Chase about perfecting the title we found out on the phone that the title to the vehicle was lost. Chase representatives made no indication of what measures had been taken to procure a replacement title. 
On the XXXX of XXXX I paid the remaining balance on the vehicle in full. Once the payment cleared I requested an update on the title recovery process and again was not able to tell what steps had been taken. At that time I requested that they expedite recovering the lost title and perfecting it to my name since the registration would expire in the next month. I was told that they would look into the request and set an expected completion of XX/XX/XXXX. When I asked what would be complete by XX/XX/XXXX the Chase representative was vague and told me they had an internal estimate for completing the title transfer but would not share that information with me. 

My complaint is Chase Auto has been negligent in processing title paperwork, losing the title and placing me, the consumer, in a position where I risk being unable to legally drive my vehicle. Additionally, their refusal to inform me about what steps are made and when regarding the title perfection as the vehicle registration expires amounts to a refusal to release the lien from the vehicle upon my completion of payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit reporting agency about a dismissed bankruptcy on my account. It states its from the US BKPT CT XXXX XXXXXXXX XXXX. This public record is inaccurate and I disputed it and the findings was the credit bureau received from XXXX XXXX. I reached out to the court to dispute and they advised they do not report or subscribe to the credit bureaus or have an open case in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts or addresses listed on file. Please remove them.
Product: Bank account or service

On XXXX XXXX, 2016 there was fraudulent activity on my Checking Account which is through US Bank. There were XXXX US Bank ATM withdrawals ( XXXX in XXXX XXXX, XXXX for {$500.00} and XXXX in XXXX for {$500.00} ). I went into a US Bank location and filed a claim for the {$500.00} withdrawal. I was told to wait to file the 2nd claim as the {$500.00} was listed as pending and perhaps would not clear. When it did clear, I called the US Bank Fraud Department on XXXX XXXX, 2016 and entered a claim. I was told in XXXX instances that if the claim was still pending/being investigated within 10 business days, they would release provisional funds to my account. They released the provisional funds for the first claim. When XXXX weeks went by and I had still not received the provisional funds for the 2nd claim, I called the Fraud Dept and was told they had no open claim on my account. US Bank was supposed to send me a claim to sign and return ( which I was not aware of ) and they never did. I then entered a claim again and had them email me the claim to sign. Within 2 days I had it signed and faxed to the Fraud Department by a personal banker at a US Bank branch. Last Friday, XXXX XXXX, 2016, I noticed the funds had still not been returned and it was over 10 business days. I called the Fraud Dept and after 45 minutes on the phone with XXXX different individuals it was concluded that I had no claim and they never received the signed claim. I have the Fax verification from US Bank Branch that the claim was sent and received by the Fraud Dept. I then went into A US Bank Branch and spoke with the Assistant Branch Manager and had her refax the claim I signed along with the Fax verification from XXXX XXXX, 2016. She then called the Fraud Department to verify they had received it and was informed they would n't know until the next day. She inquired about my claim, and this time was told I did indeed still have a claim, but that they now have 30 business days to determine whether or not to return my money and that I would not receive provisional funds because I did not return the claim signed within the allotted time. I have proof from US Bank that everything was sent in the right amount of time and that it was received. I have no other option but to file a complaint at this point because it has been over 6 weeks since fraudulent activity occurred on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to both Experian and XXXX credit agencies to challenge the reporting and compliance of an open account that is reporting under a incomplete account number ( XXXX ). There are ( 2 ) accounts reported by XXXX XXXX with the same partial account number and the information that is reported is misleading. 

More specifically, I am referencing the fact that the information XXXX XXXX is reporting to both my Experian andXXXX files has an incomplete account name, an incomplete account number, an incorrect account type, inaccurate account balance, missing field description of terms, missing filed high balance, missing filed comments, incorrect past due balance dates reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018. 

As per section 609 of the Fair Credit Reporting Act the CRA is required to report the entire account number and a 100 % accurate account information. Please remove this inaccurately reporting account from my ( 3 ) credit bureau files.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/XXXX A FEW CAME OFF BUT MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN CREDIT BUREAUS ( XXXX, XXXX, EQUIFAX ) TO REPORT MY INFORMATION THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS.

WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL. 

SOUTH CAROLINA LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS THREE YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 

XXXX XXXX XXXX has already Filed Lawsuits on two Accounts as if they were not passed Statues of limitations in my state they even renewed the dates the accounts were opened to make it seem like they were chasing a debt that was supposed to e already extinguished I missed the court date and they was awarded judgement. 

XXXX is also trying to collect on a dent that is passed the statue of limitations I attached proof. 

XXXX XXXX XXXX Continues to report on a dent that happened back in XXXX my reason for disappointment in this is either self explanatory or has already been mentioned FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ).
Product: Debt collection

Portfolio Recovery Associates, LLC is reporting on my XXXX, XXXX  , & XXXX  credit reports that I owe them {$270.00} for a collection. I've never done business with this company, nor have I ever signed a contract with them. I've contacted them & asked that they produce documentation & was told that they don't have any documentation. This company is hurting & ruining my credit worthiness with their deceptive practices. Are they even licensed to collect debts?
Product: Checking or savings account

XX/XX/2019 some one stole my wallet with all my records of identification including my social security card credit cards ID .... Some one has opened a account in my name in charged the amount XXXX in debt... I went to open a account and was told I can't open one due to this action ... At the time of this action I was XXXX
Product: Debt collection

i would like to know why diversified consultants thinks they have the right without my permission to share and resell the debt they marked as fraud in their systems and my last complaint against their company got them to delete it from my credit report and from their systems but yet they think they have the right to resell my personal information to XXXX XXXX after after they confirmed the account was fraud? how the XXXX can your company do that? please explain because i am leaning toward you violated the fair debt collection practices act the account was for a XXXX account i have no clue about and does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

according to the Cares ACT protection, XX/XX/2020 through the pandemic ending period all Late payments were suppose to be reported to be paid as agreed. I have disputed with Macys about my late payments for the months of XXXX and XX/XX/2020 and XXXX and XX/XX/2020. I spoken to few representatives pertaining to these late payments explaining that I Had covid which caused me to become unemployed. Macys representatives refused to correct these errors.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I looked at my Experian and XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer credit report, it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 15 USC 1681e ( b ) requires that consumer reporting agencies adopt reasonable procedures to meet the needs of commerce for consumer credit, personnel, insurance, and other information. These procedures must be fair and equitable to the consumer, ensuring confidentiality, accuracy, relevancy, and proper utilization of such information1. The law also mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of consumer reports2.
Product: Mortgage

I took a Reverse Mtg in XXXX of XXXX. Champion Mortgage has been paying my property taxes and doing a direct withdrawal from my account monthly. In response to notices, I would always renew the agreement annually & there was usually a slight increase from the prior year. In XXXX, the amount was actually lowered. In XXXX of XXXX, I received a foreclosure letter from a Law firm. I then called Champion Mtg. to address this issue with no resolution. I was told they have been paying the taxes too long & the recommitment letter was sent without a reply from. me. I have never received such a letter. A process server placed a contact number to be called to serve me documents to sign. I have not called him back as I was seeking resolution otherwise. The amount owed on XXXX/XXXX/XXXX was {$6800.00} & increased without explanation to {$7900.00} by XXXX/XXXX/XXXX. For reference, I have my home insurance w/ Keystone XXXX. My name & address is XXXX XXXX XXXX XXXX XXXX XXXX, Md. XXXX Loan # XXXX Champion Mtg, XXXX XXXX. XXXX XXXX XXXX, OH Email.XXXX XXXX XXXX XXXX
Product: Student loan

My interest rates are constantly increasing to a ridiculous amount. The highest XXXX is at 15.875 % and the lowest at 12.75 %. Over the last year I have paid a total of {$5800.00} with only {$540.00} going towards the principal. These numbers are right off of the information they sent me when I requested it. 

Whenever I call and ask if there is a way to get a better interest rate they say no the rate is set by the consumer " something '' which is false, the rate is set by the private lender. Then when they say they have other repayment options I inquire about those and then they say oh you are not eligible for any except interest only payments. When I ask why I do not qualify for the other programs their response is " I am not sure could be multiple reasons '' and am then told I just have to figure it out. 

I am getting XXXX help from them to actually get an affordable and FAIR interest rate. 

I have been out of school for 9 years and owe more on the loans now than I did when I graduated. This is due to whatever programs they put me in after school and the high interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft. I did not Authorize anyone to use my personal information of any kind to open any accounts using my Name and social. this is Fraud.
Product: Mortgage

My mortgage was done through XXXX and underwritten by Nationstar. XXXX dropped them and they eventually became Mr. Cooper. I have a low interest rate and they regularly try to get me to refinance to double my rate. Over the summer, XXXX or XX/XX/XXXX I missed a payment or was late, I don't remember, but I have never missed a payment in the entirety of my loan since XXXX. All of a sudden I was on some forgiveness program that lessened the amount due by {$200.00} a month. I didn't opt into anything though. At the end of the plan, it said it was going to refinance my loan. I immediately called them and asked why they were refinancing me without my permission. The agent was surprised that I never requested any payment help or authorized this action. He then set my mortgage back to normal payments. I am submitting this complaint because I know they had trouble in the past and this is why they rebranded themselves. I also think that this was a predatory action and worry they are or have done this to others. I didn't know who to talk to about this, I just know it was wrong.
Product: Checking or savings account

I have a male preference for an agent. Have a male XXXX team member contact me by email so that I can resolve a recent CLAIM. There's no way I'm responsible for a fraudulent " company 's '' misleading crypto account charges. Messages I got in online banking mentioned RISK FACTORS, BUT THIS HAS NOTHING TO DO W/ RISK. Everyone knows there are risk factors in legit investing. This " co. '' XXXX locked me out of my account & didn't let me back in for 2 months. I can't access anything on it. I did XXXX facial recognitions that showed up as " verified '' & still couldn't access my account. The only way to contact them is chat. Chat acts unassuming- then does nothing. I looked up their reviews & others have had similar experiences getting locked out permanently because they want to steal interest that accrues after an account holder has enough invested & is doing well. Others have also had unauthorized charges.There was a recent surge in XXXX & that's when they locked me out. SO THIS IS FRAUDULENT. I'LL EXPECT YOU TO INVESTIGATE & GET MY FUNDS BACK IN FULL. ALL THE PURCHASES, NOT THE INTEREST - EVERY REAL INVESTOR KNOWS BANKS CAN'T GET THINGS LIKE INTEREST BACK!!!! - THAT I MADE FOR XXXX THAT I NOW DON'T HAVE ACCESS TO. RISK FACTORS ONLY APPLY TO LEGIT INVESTING COMPANIES. GET BACK TO ME IMMEDIATELY. This is probably the biggest crypto scam in the XXXX & I've already reported it to authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a customer with capital one for 3 years.. And I have been paying on time. But I got behind on my account because I lost my job and had a baby. I wrote a letter to then explaining that. They checked my credit, which I didn't know was going to happen.. and drop my score down 30 points. Then I received a letter stating that they can't remove the late payments. I really think that sucks.. I have been paying my account on time each month. All I ask is for a little help to get my credit score cleared. I messed up and I'm sorry. I trying to make a better life for my family. I want to buy a house and those late payments are holding me back. Please please help me.
Product: Student loan

My complaint is with Fedloan Servicing. I had sent documentation to Department of Education PHEAA for recertification of Income Based Repayment before end of lapse on XXXX XXXX 2017. I was granted approval of recertification of IBR plan with Department of Education promptly the next business day and they sent this information to Fedloan Servicing. <P/>Fedloan Servicing failed to process the recertification of Income Based  Repayment in a timely manner, resulting in the first payment going into delinquincy and adding a XXXX capitalization on my loan. <P/>I had called Fedloan Servicing, speaking with supervisor XXXX # XXXX on XXXX XXXX 2017 Monday ( my loan IBR plan lapses on XXXX XXXX 2017 ).  Fedloan servicing stated over the phone that I can request forebearance until they process the IBR recertification. I asked for a official letter sent to me documenting this so that I had legal documentation, instead of the current status of delinquincy of my student loans. He told me that I will be sent a letter of this request in 6 8 business days. He also told me that the following Payment will reflect the updated IbR recertification at {$0.00}. He told me that XXXX will be covered and the interest rate will be at same rate, with no penalty. So I can expect the letter in XXXX XXXX 2017.
<P/>XX/XX/XXXX and I have received no such letter. I am receiving notifications that my loans are delinquint and that I am 8 days overdue. Sunday XX/XX/XXXX, I received an email your IBR plan is on hold until further investigation. <P/>XXXX XXXX 2017 called about delay in IBR recertification. Was told that it is still being processed. <P/>XX/XX/XXXX Called and talked with XXXX, he apologized for delay in recertification and continued to reassure that it would not affect my credit in a negative way. I requested to expediate the process for IBR recertification and that delay in this is creating payment delinquency and that is unacceptable. I told him I still did not receive a letter or documentation of forebearance request and that their delay in processing is negatively affecting my account with them. I was told that the IBR would be processed within this week. I said if it was not processed within this week I would be filing a formal complaint with consume finance agency. <P/>It is now XXXX XXXX, 2017 and Fedloan Servicing has not processed my Income Based Repayment and I have just received another notice for this next month with the full payment amount of the loan XXXX. On top of this I have found out that when they did not process the IBR recertification in a timely manner that I received a {$6000.00} capitalization on my loan which was previously {$110000.00}. My current loan stands at {$120000.00}, reflecting the capitalization that occurred over this past months failure of Fedloan Servicing to process my Income Based Plan in a timely manner. <P/>I am still waiting for them to process the IBR plan, in the meantime the capitalization keeps racking up and also the delinquiency and they have unruly placed me in a position of forebearance, but still they have not even documented the forebearance. <P/>Please help!
Product: Vehicle loan or lease

** Screenshots of my account plus the 2 payment confirmation emails have been attached to.this complaint** Facts of complaint : Due date was XX/XX/XXXX with 10 day grace period which wouldnhave made rhe payment late as of XX/XX/XXXX. 
Payments were made on XXXX ( XXXX and XXXX ) for an amount greater than what was due. Customer service was contacted n i was assured ( per Conf # XXXX ) that the below would be waived However, I was charged a late fee of {$21.00} prior to the grace period closing as this bank highlighted in my retail contract that I signed with them. Also, I dont think there is an internal non disclosed citizens bank policy to violate terms of the contract and charge late fees where they shouldnt be charged due to their payment system takes 2 business days to process a payment and doesnt backdate payments to reflect the actual date they were made thereby making their inability to process payments making it appear the consumer is negligent. No bank nor cc company outside of here has this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month i sent out some documents to TransUnion, XXXX and XXXX  credit reporting agency about a late payment that saw on my credit report. I submitted all the right documentation for the CARES ACT forgiveness to show that the alleged late payment should not be counted against me since i was affected negatively by the pandemic. When i submitted a CFPB to the agencies they are ignoring me and saying they don't recognize me as a consumer. The pandemic has hurt alot of us and the Cares Act is in place to help us ease the suffering especially financially. Please help me bc it doesn't sound like they will honor the cares act. I called the furnisher of the XXXX XXXX XXXX  in and they refused to validate and remove the other late payment. I explained to them that i didn't even know i had a credit card with XXXX due to misleading advertising when i was in the store. I thought i was signing up for a members reward card and they gave me a credit card instead. Now The account is open and in good standing at the moment but they will not honor the CARES ACT here and remove the 30 days late payment. Please help this is causing me stress and severely hurting my credit.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1. Confirmation of corrections made to the disputed items.

2. Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3. Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XX/XX/XXXXXXXX Bankruptcy Reference # : XXXX
Product: Money transfer, virtual currency, or money service

The wrong person requested money from me and tricked me into sending but after I attempted to get the money refunded I got no answer