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

I took out a loan against my car title in the amount of {$800.00} with my local Titlemax because I am on XXXX XXXX XXXX and had some outstanding medical bills that needed to be paid. Well, I struggled and paid the minimum payment due each month ; once having to take out an additional loan amount in order to make the payment. About 8 months into the loan the car broke down and I had it towed a local mechanic. After a thorough inspection it was discovered the engine was blown. I incurred and paid a {$400.00} repair bill just to find out the repair was gon na cost about {$2000.00} dollars. Knowing I did n't have nor want to put that kind of money in that car, I immediately called Titlemax to inform them that they could just go pick up the car because I would no longer being paying on the title loan. At that point I had probably paid back close to the originall amount borrowed. Weeks later I get a call from the mechanic that no one ever came out to pick up the car and that I now owes him a grand in storage fees. He said I could sign the title over to him in lieu of the fees. Once again I contacted Titlemax and was given the number for their corporate office and was told to contact their office. After explaining the situation to the person at corporate I was told they did n't want the car but they could give me a reduced payoff amount and that once it was paid they would release the title and I could forward it to the shop. Since I had already paid the majority of the principal back I assumed they would drop the remaining interest and just charge me the remainder of the principal. I just about had XXXX XXXX when she said they would take a one-time payment in amount of XXXX dollars!!! I told her I was n't gon na pay that much and they could go pick the car up from the shop like I asked them to do in the first place. I had n't heard anything in month then I receive a letter in the mail asking for a payment. What legal actions if any should I take at this point to get them to write off the remainder of the loan?
Product: Money transfer, virtual currency, or money service

XX/XX/year> they have wrong charge {$10000.00} on my account .I contacted the customer service before and asked why the money was deducted, they say The bank did not honor the {$10000.00} ACH deposit that was submitted on XX/XX/XXXX. Since the transaction was not paid by your bank, the transfer amount requested of {$10000.00} was debited from your history! I have deposited {$10000.00} on XX/XX/year>, they have charged back {$10000.00} on XX/XX/year>, because ACH deposits Automatic clearingFor deposits, check that your bank is eligible for transfers ( sufficient balance ).

If your deposit is reversed, well send you an email. Any Instant Deposit money you received from this deposit will be removed from your account balance. In some cases, well unlink your external account after multiple reversals. I have statements can show! So I dont know why charge me {$10000.00} on XX/XX/year>
Product: Mortgage

* AmeriSave is requesting information from me that never been requested before after I have refinanced several times. Asking for companies statements for 12 months that is on my credit report that is not in a derogatory category. 
* Asking for 60 days of bank statements that was already submitted. 
* Just sent me below after XXXX XXXX confirm I didn't need anything else last week. 
Bank Account Information for {$47000.00} XXXX XXXX, please provide 2 months consecutive bank statements or 60 consecutive days acceptable transaction history. Documentation must include Bank/Institution name , Account Holder, Account name, Account type, Balance and Balance as of date supporting {$3000.00} in assets. 
*Please provide a Mortgage Statement from Creditor : XXXX XXXX Account number : XXXX to support timely payments for the month of 12 months *Provide documentation supporting the omission of the following non-mortgage debt : 1. If this is paid by another person/business provide 12 months cancelled checks/bank statements showing the full payment amount. Or 2. If the balance is XXXX please provide a statement or paid in full letter in addition to source of funds to do so. All documentation must reference the borrower and the account number listed Creditor : XXXX CARD | Account number : XXXX OTHER DOCUMENTATION Please provide a Mortgage Statement from Creditor : XXXX | Account number : XXXX to support timely payments for the month of 12 months * I know these request is out of line with a refinance Mortgage.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report it appears that Capital One has continued to list an erroneous account on my credit report. The account that is currently listed on my name belongs to a family member and should be removed. I have contacted Capital One repeatedly regarding this matter but to no avail. And as a result I am now filing the complaint with the CFPB. 

Under 15 U.S. Code 1681e ( b ) Accuracy of Report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Capital One : This account is being reported inaccurately, and showing me as a delinquent authorized user. 

I have filed multiple reports regarding this matter but they continue to go unanswered.
Product: Debt collection

I C Systems INC is trying to collect a debt that is well past the statute of limitations. Original debt was for XXXX and was from XX/XX/2009
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Account # XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Additionally, I exercise my right to opt out of any and all authorization I, the federally PROTECTED consumer, may have given XXXX whether it be written, unwritten, verbal and nonverbal, pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a claim against XXXX, Equifax, and XXXX to remove in correct information from my credit report. I file a dispute through XXXX to remove information from my credit report that's not correct XXXX XXXX XXXX responded stating that all information was removed and requested XXXX, Equifax, and XXXX to remove the same information as well. However, all of the incorrect information still remains. 

Therefore, they are in violation of the following 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Money transfer, virtual currency, or money service

I was scammed through XXXX by a man claiming his name was XXXX XXXX XXXX. He used the late XXXX XXXX pictures. I wire transfer him {$12000.00}. He has disappeared from my social media and has disconnected his number. I posted my situation on favorites and someone saw and has contacted me letting me know her XXXX XXXX XXXX mom is being scammed by the same person. 
The bank can not help me regain my money
Product: Credit reporting or other personal consumer reports

This is my 4th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX  XXXX Balance Owed : {$66.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} 1994 XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$66.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

US DEPT OF ED/XXXX/XXXX  XXXX {$930.00} XXXX XXXX {$3800.00} XXXX  XXXX {$470.00} XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$290.00} XXXX/XXXX  XXXX {$4000.00} XXXX  XXXX {$270.00} XXXX  XXXX {$2300.00} XXXX  XXXX {$4500.00} XXXX XXXX XXXX {$750.00}
Product: Checking or savings account

I recently encountered an unauthorized transaction of {$200.00} from XXXX XXXX XXXX CA, XXXX. I'm not familiar with this company and did not authorize this charge. I promptly filed a complaint with Chime ( XXXX ), but my refund request was unjustly denied, despite my current financial struggles. Based on my experience, I can not recommend this bank ; your money is not safe here. After several years as a customer, I expect better treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Money transfers

I sent money to XXXX via MoneyGram at XXXX online. Got the confirmation and reference numbers. At XXXX she was denied the money at the location. The bank branch said the confirmation number was no good and that MoneyGram was not in the system. She went 3 times after I had called 3 times and still no money to be picked up. I kept talking to reps who were unfamiliar with the English language. Every rep I spoke with had no solution. Finally I resent money via another carrier and she got the money. I decided to cancel my transaction online and I also decide to call again. I told the rep that I am calling to report fraud. He thought the fraud was by the receiver of the funds. I said no, your company and he was silent. While talking to him I was reading emails and I got one from Moneygram confirming my cancellation. I told him never mind I just received an authorization. He said I did n't because its not in his system. He later confirmed my request and verified it. I told I have been reading about MoneyGram and their FTC fine and XXXX compalints about fraud within their company. People are not getting their money back within 3-10 days for various reasons. I ask him why does Moneygran take my money immediately but ca n't return it immediately? I asked him where is the money. He blamed it on the bank in XXXX, XXXX. He also let slip from his mouth that he said I or the bank had a different confirmation number. The bank never got a confirmation number according to the bank but he said the number was incorrect! Since they were fined for fraud within the company this brings to you, this panel. Now I fear if I wait this out 3-10 days it will just get worse. Without help ....
Product: Debt collection

XX/XX/2018 Calls came to my mothers cell phone and also my work phone pertaining to a debt that I am unaware of and is not listed on my credit report. The company never offers information of the original lender or company. They just call and leave very aggressive messages.
Product: Credit card or prepaid card

I made a purchase from Wayfair on their card which was then rolled over or transferred to/ taken over by Comenity Bank . I returned the item to Wayfair, as instructed, and I have confirmation from Wayfair of the return. Comenity Bank has repeatedly refused to issue the credit to my credit card. I have written numerous letters and made several, several phone calls. At one point Comenity issued a " provisional credit '' and in the same billing cycle reversed that credit ( XX/XX/2020 ). So I wrote more letters. On my statement for XX/XX/2020 the " provisional credit '', from XX/XX/2020 was entered again. That is very confusing and I do not want a " Provisional credit ''. I should simply receive a credit for the item I returned. A " provisional credit '', which could be reversed again, concerns me as it was reversed once before. Once the balance on that account was no more than the credit I expected to receive I stopped making payments on the account so as not to end up with a credit Comenity Bank would owe to me and I suspect I would never receive. Since that time Comenity Bank has charged me a {$40.00} late fee each month. I have written to several people I located online that appear to be a CEO or President, I have gotten no answers other than form letters. This situation is affecting my credit. I do not want to give Comenity Bank any more money than that I legitimately owe to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave any of these companies permission to run or pull a credit report on me. It is also illegal to only report when an account goes into delinquent status but not when there are good payments etc also, they should provide the original contract with my wet signature if they think they are right. 
Please remove the following from my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CA XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

The debt collector XXXX Paragon is unable to prove what I owe and why. Despite not being able to prove it they sent me an attached bill from the children 's hospital which clearly shows blank. I attempted to call PA XXXX PAragon Revenue Group they have stated that they do not know what is owed but they require {$1700.00} to be paid full. I find it very concerning that they can not provide a bill of fees and only provide a bill where it shows i owe XXXX.
Product: Debt collection

I was contacted by XXXX XXXX XXXX, whom represented XXXX XXXX of Texas, they were collecting a debt. We reached an agreeable amount for me to pay monthly for 4 months to settle the debt. I have a settlement letter stating that I paid this debt. However, XXXX XXXX  XXXX  was not the original third party collector and not the most current but still contacted me as a collector. XXXX  XXXX, aka XXXX XXXX hired XXXX XXXX XXXX. 
This negative blemish should be removed from my report. It is stopping me from reestablishing a good credit rating.
Product: Mortgage

I 've submitted financials and request for mortgage modification to Ocwen Servicing several time. Ocwen is in willing to work with me to keep the my home that my father left to me upon his XXXX. I 've provided the Authorization, Power Of Attorney, and XXXX Certificate necessary for me to move forward with modifying the property. 
Ocwen is giving me incorrect information and saying they did n't receive the modification request and financials. I 've also been told by several customer Service Representatives what to fax and where to fax the required information. Please Help!!!!!
Product: Debt collection

I received mail from Municipal Collection Services, LLC. ( MCS ) stating that I owe their client XXXX XXXX XXXX XXXX for a ticket. I have no knowledge of this ticket. I am disputing the validity of this debt that I'm alleged to owe. 

MCS is stating that this alleged debt has been referred to them. I have no idea what a 'referred " debt means as it relates to me being asked to create an account with MCS and making a payment for a debt I have no knowledge of. The letter also says their office will provide the name and address of the original creditor, if different from the current creditor, but the letter never names any creditor. 

It seems these are deceptive and misleading practices.
Product: Money transfer, virtual currency, or money service

I made a payment for a holiday through my BB & T bank account ( XXXX $ ) and due to the COVID I couldnt go. Hotel is unable to pay ... so I contacted my banker ( XXXX ) who was not willing to help much. Not living in the US I had to make a phone call to make a fraud claim and they said I would either get an email or the money would be back to my account in a few days. After 2 weeks I called again and then they say it was denied and they sent a letter to an address that I told them I dont live in the US since XXXX. Apparently they also tried to contact me over phone, which again I dont live in the US since XXXX  and they are not willing to contact via email ... so disappointed with this bank. XXXX from Fraud was not empathetic and he didnt try to help or see the way to fix it
Product: Credit reporting, credit repair services, or other personal consumer reports

A promotional credit card to finance a XXXX bicycle interest free was obtained by XXXXXXXX XXXX after I paid the balance in full ( see attachments ). The card was transformed into XXXX MasterCard which I had no knowledge of due to the notice emails being classified as spam. Fraudulent purchases were made on the account for months without my knowledge. The account became delinquent from these fraudulent purchases. I attempted 5 phone calls and an email contact with XXXX fraud department. Four of the calls were disconnected after a few rings and the fifth was disconnected after being on hold for 45 minutes when transferred from their collections department. I have explained the situation multiple times without resolution. My credit score has been negatively effected by this mistake and continued negligence on behalf of XXXX establishing an account I never consented to. Please help me resolve this issue, I have filed disputes with Experian ( attached ) regarding my credit report and also filed a complaint with the XXXX XXXX XXXX. In the ten years my report covers, I have never had a late payment prior to this issue.
Product: Mortgage

We currently have a conventional home loan with CHASE bank. My wife is a retired XXXX XXXX veteran with a XXXX and I am also retired from the XXXX XXXX, we both get retirement pensions. So we applied for a VA home loan with my wife being the primary applicant thru CHASE to lower our payments. Both our credit ratings our over XXXX. We owe {$170000.00} on a house appraised at {$280000.00}. The application was completed XX/XX/2015 and the loan is still being processed ( over 90 days now ) we have submitted all information requested. We are being told that its still in underwriting. They keep requesting new information as we fulfill previous requests. We feel as though this loan process will never be completed they just keep requesting new information. We suspect that they want us to quit the loan process so they will not have to provide a reason for declining our loan ; because there is no reason other than keeping us on a CHASE loan with higher finance rates. I would 've quit the process with CHASE but we already have an appraisal completed and termite inspection with a locked in rate of 3.75 and interest rates have risen since the lock in. Any assistance that can be provided would be greatly appreciated. Thank you.
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX has violated my rights. Or list of inquiries 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.