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

I paid off my auto loan with TD Bank Auto Finance in early XX/XX/XXXX. I waited a few weeks for my title to come and eventually sent a message via their secure message center on XX/XX/XXXX. I received a message back saying the following : " Thank you for reaching out to TD Auto Finance to request your motor vehicle title. We reviewed your request and confirmed we released your title on XX/XX/XXXX to the address on file. If you have any other questions or need more help, please let us know. We value you as a Customer and are here to serve you. Thank you for choosing TD Auto Finance. Sincerely, XXXX XXXX Problem Resolution Specialist TD Auto Finance ''. 

Upon not receiving it by the XX/XX/XXXX, I called customer service and was told that the title was actually released on XX/XX/XXXX, which is the first instance that I felt was deceptive during this process. The associate told me that the title would be here by the XX/XX/XXXXat the latest. Upon still not having my title by XX/XX/XXXX, I called customer service again and was told this time that it would be here by the XXXX. I asked to speak with a manager, explained the situation and was now told that they could not guarantee when I would receive the title, contradicting both of the associates that I'd spoken with prior to then. 

I no longer know when I will actually receive my title and have lost out on 2 opportunities to sell my car because of the delay and false information from TD Bank.
Product: Vehicle loan or lease

Ive had a car loan with XXXX XXXX XXXX XXXX XXXX for almost 3yrs. The amount of my loan was only a few thousand more than it is now this time 3years ago. Theyve over charged me and hardly any of my payments are being applied to my account. I should be almost paid instead it looks like Ive hardly paid. Its effecting my credit by the total amount of loan not hardly changing and my life by this vehicle not getting paid down. Ive not even been working and making sure this vehicle is being paid to not effect my credit and was shocked when I saw its not almost paid off. Talking to them about it has got me absolutely no where.
Product: Debt collection

This collection is stemming from me living and renting from XXXX on XXXX at XXXX XXXX XXXX XXXX, XXXX, KY XXXX. This bill is for {$2700.00}. On XX/XX/XXXX, I emailed XXXX XXXX, XXXX to let her know I was moving out and gave her 30 day notice. At this time, I was living there month to month with no lease. Under Kentucky 's Uniform Residential Landlord and Tenant law, month-to-month leases must be terminated with a 30 day written notice of termination. She did email me back and advised it is still 60 days per the lease, I had no lease at this time. 

I will agree, with the bill that I do owe some ancillary charges of cleaning, replacement of screen and blind, but certainly not for XX/XX/XXXX rent. I will pay {$390.00} to XXXXXXXX XXXX XXXX XXXXXXXX if this is taken out of collection, if not I will involve my lawyer. 

Please respond to me, so that I may take care of this as soon as possible XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I cancelled my XXXX XXXX ( now owned by XXXX XXXX XXXX ) subscription in 2017 and they continue to add new collections. 

First, it was a collection of {$470.00} from original creditor - XXXX. An original letter stated that I did not return the equipment - which is untrue. All equipment was returned as suggested by their company - through XXXX air. 

Secondly, another collection account for {$280.00} from original creditor - XXXX.. I do not know what this charge is for. 

Thirdly, another collection from XXXX XXXX XXXX for {$110.00}! What is this charge for? 

Why are companies allowed to add whatever they want to our credit reports at will? This is clearly defrauding the public!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 8 hard inquiries thats I did not authorized XXXX  : inquiry date XX/XX/XXXX XXXX XXXX : inquiry date XX/XX/XXXX XXXX XXXX : inquiry date XX/XX/XXXX XXXX : inquiry date XX/XX/XXXX Factual data : inquiry date XX/XX/XXXX Factual data : inquiry date XX/XX/XXXX XXXX : inquiry date XX/XX/XXXX XXXX : inquiry date XX/XX/XXXX Fraud never authorized none of these inquiries I will like them to be remove from my credit report
Product: Credit reporting or other personal consumer reports

Advance Resolution Services Furthermore, as you can see from the information above, your agency is not reporting accurate information. 
According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} 2 Defamation of character {$1000.00} 3 Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} 5 Damaged mode of living {$1000.00} 6 Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.
Product: Mortgage

I had a loan with Bank of America for roughly {$1600.00} a month, then experienced I a job loss due to the economy. I applied for remodification and became employed again during this application process. BOA kept stating that the documentation that I was sending was out of date range or that they did n't receive it or that it came through but was legible. Basically they were stalling the remodification process. My boss even got on the phone with them at one point because he saw what they were doing and said he witnessed the paperwork being sent on multiple occasions. Later I read in the news that during a lawsuit it was discovered that workers testified that they were told purposely do that to customers to increase total amount due. Well I got my Senator involved and the loan got transferred to XXXX and was modified to {$1300.00}. I was told if all payment were made that the loan would be permanently modify. Well not long after I completed all the payments BOA took the loan back and said that XXXX miscalculated the payment and that the taxes were thousands of dollars behind. They gave me two options : pay the money in one lump sum or have it added onto payment. I did n't have that kind of money so I picked the second option. BOA then increased my payment to {$1700.00} a month which is more than the original payment ( {$1600.00} ) amount that I needed modified. Not really much of an option. I called them ( boa ) and they said there was nothing they could do about it and the blame belongs to XXXX. This is not right to do to me. Now they ( boa ) have given the loan to XXXX who is about to put me into active foreclose because I could n't make that new high payment of {$1700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. 2021, and XX/XX/2021 I filed a Federal trade Commission Identity thief report along with a XXXX XXXX county Police Report for Identity thief. 

I then disputed several account on my credit report with the following bureaus XXXX, XXXX, AND TRANSUNION... In accordance with the fair credit reporting act. 

XXXX XXXX XXXX, ACCT NO. XXXX, XXXX  ACCT NO. XXXX AND XXXX ACCOUNT XXXX Have violated my rights... 

In accordance with the fair credit reporting act section 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 2 : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN CONSUMER CREDIT PLAN LATE FOR ANY REASON
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information reported by your company to the credit reporting agencies regarding an alleged late payment on my account, referenced under Account Number [ Your Account Number ]. Specifically, I dispute the claim that a payment was made late on [ Date of Alleged Late Payment ]. 

In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court held that creditors must maintain accurate records and provide sufficient evidence when reporting information to credit agencies, particularly in cases of disputed information. In light of this precedent, I request that you provide me with the following : Copies of all internal records and documents that demonstrate the payment in question was, in fact, received late.

Detailed payment history of my account, including the dates and times when payments were posted to my account.

Evidence of notification sent to me regarding the alleged late payment.

Please provide this information within the timeframe prescribed by law. If your investigation concludes that the payment was not late or if you are unable to provide sufficient evidence, I request that you immediately correct the inaccurate information on my credit report and notify all credit reporting agencies to which you have reported this information.

Failure to comply with this request may result in further action, as inaccurate reporting can have significant consequences on my creditworthiness and overall financial standing.

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this dispute. 

Sincerely, [ XXXX XXXX ]
Product: Payday loan, title loan, or personal loan

I opened an account with XXXX on XX/XX/XXXX the amount financed was {$2000.00}, and biweekly  payments were being made received an email from XXXX in XX/XX/XXXX stating that the account would be sold to SST because the company wanted to focus on other products this company SST is a nightmare they will not provide all payments that I have made on the account and neither will XXXX, SST is charging me daily interest of {$1.00}, stating that I have not made a payment since XX/XX/XXXX and that I'm 58  days past due and that I owe {$300.00} to bring my account current SST has also charged me {$190.00} in late fees, I did not sign a contract with this company my original contract does not state that I would be charged daily interest I have emailed that they correct this. The current company SST is no longer allowing me to make payments online they state that my account is more than 60 days which is inaccurate they do not have any payments listed on my account at all since opening this account back XX/XX/XXXX with the previous company XXXX, they have refused to provide me with all payments made and correct my account
Product: Credit card

I made a purchase in XXXX with my Macys credit card for about {$43.00}. I never received a paper statement. I did find a email in my junk mail after the fact with online statement. I did not receive any additional statements once a singe payment was missed as well as a second additional payment. The balance today is {$110.00} after a {$27.00} and {$38.00} late fee was charged. this fee is outrageous given the balance. Second, when signing into my account, access to statements is disabled because the account is past due. I also am unable to review my disclosures as I was concerned about the late fee terms associated with balance amounts. After I called, no attempt to resolve the balance was made even though it was not intentional to miss the payment. I am writing this because I feel that the macys credit card has exercised unfair practices that resulted in multiple missed payments and then is attempting to get almost triple the money based on the original purchase amount. In addition, my credit report will most like now be effected, and I have no power to negotiate with them.
Product: Mortgage

I was let go by my previous employer, because of a XXXX XXXX XXXX XXXX that I disclosed upon hire, because their biggest life insurance carrier wouldn't access my appointment. ( although the other 2 carriers did ). I was out of work for 3 weeks, before taking a job with a former employer. In the beginning of XXXX, I called Freedom mortgage to request a 1 month payment deferral, and they refused saying they don't do that. On the phone I was told this several times by numerous agents over the course of this month. However, upon my 2nd request for payment help, I received a packet which was 27 pages long and listed options including a payment deferral. After receiving this packet, I called again asking for it, since I saw it in writing and they still refused to help. I asked to make partial payments in the middle of XXXX, but was told not possible. Towards the end of XXXX, I was told possible, but then was advised to check into a HELOC or 2nd mortgage, which I did, but was told would have to refinance, which would raise my interest at least a full point or 2, which was unacceptable, so I backed out.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies found on my credit report. Upon a thorough review of my personal credit file, I have identified several discrepancies that I believe are unjustly affecting my creditworthiness and, consequently, my ability to secure homeownership. Given the current economic challenges, it is imperative that my credit report accurately reflects my financial history without the detriment of errors. 
In accordance with the Fair Credit Reporting Act, I understand that your agency is obligated to investigate these disputes within a thirty-day period following the receipt of this letter. Below, you will find a list of the inaccuracies that require your immediate attention and correction : 1. Name of Furnisher : 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 I respectfully request that your agency undertake a diligent investigation into these matters and remove the incorrect information from my credit report. The presence of these inaccuracies is not only misleading but also has a significant negative impact on my credit score, thereby hindering my financial opportunities. 
I am fully aware of the economic difficulties our society is currently facing, and it is under these circumstances that I can not afford to have my creditworthiness compromised by errors. 
Therefore, I anticipate your cooperation in rectifying these discrepancies and look forward to receiving an updated copy of my credit report reflecting the necessary corrections within the stipulated thirty-day timeframe. 

I trust that you will address this matter with the urgency and thoroughness it requires. Thank you in advance for your prompt attention to these issues and for your assistance in ensuring the accuracy of my credit information.
Product: Credit reporting or other personal consumer reports

TransUnion, Experian and Equifax all are under reporting my credit history all 3 have eliminate important documents that would make my credit history more accurate average age of my account years of credit history aren't being reported correct therefore I'm continually told my credit file is too thin and my credit history is too new which is positively not true this has me consistently getting denied for credit, paying higher interest and insurance rates than i should due to their negligence i have over 25 years of great payment history which is missing by all 3-credit bureaus c in addition to the account 's attached i also have a paid off student loan from direct loan XXXX XXXX  XXXX which was open XX/XX/XXXX in the amount of {$11000.00} and paid off XX/XX/XXXX a loan from XXXX XXXX XXXX account XXXX XXXX which was opened XX/XX/XXXX and paid the following year last but not least i was a affected by XXXX and XXXX a victim of fraud. which caused XXXX credit cards to get closed down XXXX account # XXXX whose balance was {$7500.00} opened XX/XX/XXXX XXXX bank account XXXX XXXX credit limit was {$8600.00} opened XX/XX/XXXX capital XXXX account # XXXX credit limit was {$7000.00} opened XX/XX/XXXX synchrony XXXX account # XXXX {$7000.00} credit limits XXXX XXXX XXXX XXXX credit limit was {$3000.00}
Product: Credit card or prepaid card

I made a purchase from Nordstrom.com evening dress for an occation on XX/XX/XXXX by the amount of {$360.00} ( Nordstrom order # XXXX XXXX. I did not get the dress because instead of delivering it to my address they delivered it to the XXXX  location and no note was left for me to pick it up. I got another dress from XXXX and went on the party and after a week while checked the order status and saw that it is hold at the XXXX location called Nordstrom and told them that I need my noney back because never got the purchased item and i dont need it anymore cause the event is passed. They checked and told me that they need to contact XXXX requesting the item back and since it is more than {$300.00} they need to get it back in order to issue me a credit. I waited then called again. Same Thing ... 
I waited again and on XX/XX/XXXX they send me an email saying that I can pick it up from XXXX location. Something I did not need and I can see on the portal by tracking the item that it is still there. I called the company again and now they are saying it is 30days passed and they can not do anything. How is it fair. Item needs to have holding time at the XXXX point and after that timeframe be sent back if is not being picked up. I am being charged money and accruing interest on nordstrom card for the purchase I did not get and use. Please help I do not know what to do.
Product: Credit card

I opened a MileagePlus Explorer credit card with Chase bank a few years back, which is a co-branded card with XXXX XXXX. The credit card carries a {$95.00} annual fee. My fee is charged yearly on XX/XX/XXXX. I recently traveled to XXXX and attempted to used said ( no foreign-transaction fee ) credit card, but it was unfortunately non-functional. Upon return I decided to close my MileagePlus card as I was not satisfied with it. I waited until I paid off the card ( XX/XX/XXXX ) and contacted them yesterday, on XX/XX/XXXX, to close it. Upon the closure of my credit card account I inquired how they 're going to refund me the pro-rated annual fee. To my surprise I was told that I 'm not getting anything back. Apparently, there are no terms or conditions, but at their discretion Chase chooses to refund the annual fee if one closes the account within 180 days of the day when the annual fee was charged. In disbelief I researched this on the internet and found that all other banks refund pro-rated annual fees if a customer closes an account mid-year. So today I called back and was transferred to a supervisor, who after some investigation also told me there 's nothing they can do. What is surprising is that my annual fee comes with certain services attached, as allowing a free check-in back with XXXX XXXX among other privileges. So I have already paid for this service until XX/XX/XXXX, but by closing my account am unable to use it. When inquiring if Chase is going to pay my luggage fees then, I received no comprehensible answer.
Product: Credit reporting or other personal consumer reports

Late Payment Date : XX/XX/year> Account Name : XXXX Account number : XXXX Late PAyment Date : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX I am writing to dispute the following inaccurate information that appears on my credit report. Under the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date. Additionally, if an open-end consumer credit plan provides a grace period during which the obligor may repay any portion of the credit extended without incurring an additional finance charge, such a charge may not be imposed unless a statement including the amount upon which the finance charge is based was mailed or delivered to the consumer not later than 21 days before the date specified for payment. In accordance with 15 U.S.C. 1666b, I request that the credit bureau conduct a thorough investigation of these items and correct or remove the inaccurate information from my credit report.
Product: Mortgage

Quicken loans continues to call my job directly to my manager XXXX XXXX. She has consistently asked that they remove her number of XXXX. They told her it is not her but someone in the office. She asked they who it was, but they would not tell her.
Product: Credit reporting or other personal consumer reports

In XXXX I wanted to purchase a home with someone else and when my credit report was pulled I had a loan from XXXX student loan. I never applied for any student loans from XXXX. I disputed the loan and XXXX was unable to provided the original documents to me. This was removed off my credit for 4 years and it said the account was closed. 

Then in XXXX I went to purchase my home and the same XXXX student loan was back on my credit record, again I disputed this student loan and again the report was removed as a closed account. 

I'm very concern that this XXXX loan keeps being removed off credit report and then reappearing after every 4 years. I was in the process of purchasing an automobile this past week and my XXXX XXXX was almost perfect, but when the car dealership when to pull my credit the XXXX student loan was on my credit report again. 

This is very frustrating to say the least. XXXX has removed this off my credit report in XXXX, XXXX and know I'm requesting this to be removed off my credit report again in XXXX due to the lack of this loan not being mine. 

Please let me know what I can do to get this removed off my credit report again and removed permanently?
Product: Credit reporting or other personal consumer reports

This company continues violate my consumer rights by reporting inaccurate information on my credit file with this account. I have proof in the images below. This account continues to report like its open an has a balance but this account has not be active since XXXX which it a violation.