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

US Bank will not send a release from the loan. 
Loan was for boat, trailer, boat motor, complete package. 
Loan was in XXXX. Loan was paid back in XXXX. 
Release was sent to me from the bank in XXXX. 
The released listed the Boat, the boat again, and the motor. 
That's right, the boat was listed twice but no trailer listed at all. 
The boat, trailer, motor was used yearly until 10 years ago when it was placed in storage. 
When removed from storage the trailer tabs could not be purchased because US Bank had a lean on the trailer. 

I have contacted USBank 5 Times on the problem. Each time they understood the problem and promised to send a release on the TRAILER. 
Two times USBank sent a release on the BOAT. 
Two times they promised they would send the release and call back in three days to confirm its on the way. The calls where not even returned. 

USBank has the original purchase documents which they say shows the complete package. They have read it to me. 

I have the title for the boat. I have the release for the boat, BOAT again, and the motor. 

Here are my contact notes with USBank. 

US BANK XXXX in CREDIT SPECIALEST, XXXX of XXXX. 
I made several emphatic indications that the release needed was NOT for boat but needed for the trailer! 
Will take 3 weeks. 
XXXX XXXX press XXXX. 

US BANK Release came through for boat not trailer. 
Spoke again to USB, to XXXX XX/XX/XXXX. 
XXXX VIN Number : XXXX Frame : XXXX Model Year : XXXX XXXX he resubmitted the loan release. 
I made several emphatic indications that the release needed was NOT for boat but needed for the trailer! 
Release was sent for BOAT again on XX/XX/XXXX. 

US BANK account : XXXX checking. 
Spoke again USB, to XXXX XX/XX/XXXX. 
Says he does not have trailer VIN ... only has boat Vin. 
I made several emphatic indications that the release needed was NOT for boat but needed for the trailer! 
He Resubmitted again with trailer Vin. 
Says call : XXXX press XXXX than XXXX, than XXXX. 
He will monitor for loan peoples response for three days and then call. 

US Bank No returned call, no release arrived at all. 
Spoke again USB, to XXXX XX/XX/XXXX. 
Internal lending service department has to find the trailer. 
She said process was not done correctly and would do it differently. 
Can call her. 
I made several emphatic indications that the release needed was NOT for boat but needed for the trailer! 
She will monitor for loan peoples response for three days and then call. 

US Bank No returned call, no release arrived at all. 
Spoke again USB, to XXXX XX/XX/XXXX. 
Waited again 30 minutes to talk to someone and now XXXX says " he can't help me '', " I have the wrong department ''.
Product: Mortgage

AS REFERENCED IN SPS ' RESPONSE TO MY PRIOR CFPB COMPLAINT # XXXX, SPS STATED THAT THEY INFORMED ME AS TO WHY THE HIGHER CONTRACTUAL PAYMENT WAS DRAFTED HOWEVER SPS DID NOT DISCLOSE OR EXPLAIN WHY THEY ASKED ME TO ALSO MAKE CHECK PAYMENTS WHEN THEY WERE AUTODRAFTING MY ACCOUNT PER THEIR DOCUMENTATION RECEIVED BY ME IN MID XXXX XXXX WITH MY LOAN MODIFICATION PAPERWORK. 

IT IS NOT BECAUSE SPS AUTODRAFTED ME THAT I INCURRED BANK FEES, IT IS BECAUSE SPS AUTODRAFTED FOR A CONSIDERABLY HIGHER AMOUNT AND ALSO REQUESTED THAT I COMPLETE AUTODRAFT PAPERWORK TO REINSTITUTE AUTODRAFTS AND MAKE CHECK PAYMENTS IN THE INTERIM TO ENSURE MY ACCOUNTS REMAINED CURRENT, TO WHICH I WAS OVERCHARGED AND INCURRED BANK FEES OF {$110.00} FOR DUPLICATE CHECK PAYMENTS ( AS I WAS NOT AWARE THAT SPS WAS CONTINUING WITH MY ORIGINAL AUTODRAFT SET-UP WHEN MY ACCOUNTS ORIGINALLY TRANSFERRED TO THEM IN XXXX ). 

AS PART OF THE LOAN MODIFICATION PROCESS, SPS HAD STATED TO ME ON SEVERAL OCCASSIONS THAT THE AUTODRAFT PROCESS WOULD HAVE TO BE SET-UP AGAIN ONCE THE MODIFICATION WAS FINALIZED. YOU CAN IMAGINE HOW UPSET I WAS AFTER A LENGTHY MODIFICATION PROCESS WHERE THE SAME DOCUMENTS HAD TO BE SUBMITTED 5-6 TIMES BEFORE THEY COULD FINALLY GET THE MODIFICATION GOING, TO THEN HAVE THEM FINALLY FINISH IT 6+ MONTHS LATER BY SIGNIFICANTLY OVERCHARGING MY BANK ACCOUNT, CONTINUING TO PROCESS CHECKS - NOT ONCE, BUT TWICE EVEN AFTER I NOTIFIED THEM OF THEIR ERROR, REFUSE TO APPLY THE OVERPAYMENT TO MY ACCOUNTS APPROPRIATELY ( AT LEAST FOR ANOTHER THREE MONTHS ), REFUSE TO CREDIT ME THE {$110.00} IN BANK FEES, AND THEN START REPORTING DELINQUENCY ON MY ACCOUNTS AS A RESULT, DESPITE MY ORIGINAL REQUESTS FOR CORRECTION IN XXXX XXXX AND CONTINUALLY REQUESTED BY ME EACH MONTH UNTIL I STARTED FILING COMPLAINTS THROUGH CFPB IN XXXX XXXX ... THERE WOULD HAVE BEEN NO FURTHER DISPUTE, NO FRAUDLENT CREDIT BUREAU REPORTING, ETC. 

THE FINAL CORRECTION DEMANDED BASED UPON SPS ' ERROR IN XXXX XXXX, IS THAT MY CREDIT WORTHINESS BE RESTORED AND THE LATE REPORTINGS TO THE CREDIT BUREAUS FOR THE MONTHS OF XXXX, XXXX, XXXX XXXX BE CORRECTED. SPS HAS ALREADY CORRECTED THE PRIOR MONTHS CREDIT REPORTINGS TO THE BUREAUS FOR THE PREVIOUS MONTHS IN THEIR RESPONSE TO MY CFPB COMPLAINT NUMBER XXXX. THEY SHOULD HAVE CORRECTED THESE THREE MONTHS AS WELL AT THAT TIME, BUT THEY CONTINUE TO CONDUCT THEIR BUSINESS IN A DISHONEST FASHION, DEFRAUDING CONSUMERS OF THEIR RIGHTS. I FOLLOWED UP WITH THEM VIA TELEPHONE SEEKING AN AGAIN TO ACHIEVE AN AMICABLE SOLUTION AND NOT INVOLVE OUTSIDE PARTIES, HOWEVER, SPS LEAVES ME NO OTHER RECOURSE BUT TO CONTINUE MY COMPLAINT THROUGH CFPB.
Product: Credit card or prepaid card

I am submitting this complaint due to Capital One charging me for an unauthorized charge on my card and not refunding my money. 

In XXXX, 2020 I had used a translating service " The XXXX XXXX '' to translate two doucments for the agreed upon price of {$49.00} as the attached emails I have uploaded will clearly show. The lady who I was corresponding with ( XXXX XXXX ) knew that I had two degrees that i needed translated as the attached emails will show. However i received an email a few days later saying that I would have to pay another {$57.00} to have both degrees " Credential Evaluation Translated '' even though I had already told XXXX before I paid anything that i needed two degrees translated .Furthermore the XXXX XXXX told me that if I want to move forward with paying the extra {$57.00} that I have to respond back with the last 4 digits of my card number and I never did that. I sent a reply back saying that I would need them " Credential Evaluation Translated '' but asked them " shouldnt the credential evaluation academic equivalence been in the quoted price? '' not authorizing them to charge my card another {$57.00} that I never agreed to, however they moved forward and charged me anyways. All these emails can be seen from the files i have uploaded. 

I contacted The XXXX XXXX the following day to ask them why they charged me another {$57.00} when I did not authorize it. The lady i talked to on the phone said that she would have the billing deparmtment contact me which they never did. I disputed the charge on my credit card ( Capital One ) and they gave me a " provisional credit '' but later added the charge back to my card. So i faxed them over all the emails i had to prove i never authorized the {$57.00} but they responded back as " the case is closed ''. 


The extra chagred occurred on : XX/XX/2020 for {$57.00} The provisional credit was added on : XX/XX/2020 for {$57.00} The {$57.00} ( Purchase Adjsutment ) was added back on my card : XX/XX/2020 I faxed over all the evidence on XX/XX/2020. 

I received a " case closed '' letter that night on XX/XX/2020.
Product: Vehicle loan or lease

Santander Consumer repossessed my car after making {$25000.00} worth of payments. They stated that my balance was {$19000.00} after 4.5 years of payments at {$590.00} a month and did not make me aware of a fraudulent interest rate. They refused to allow me to get my car back from repossession unless I paid {$19000.00} in full. I was sent the most u professional collection email that stated they didnt want a partial payment, they wanted balance in full paid if I wanted my car. They have harassed me continuously with phone calls back to back all week long regarding collections. I need someone to PLEASE help me get this corrected. I am at a loss and now without a car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX point drop in my credit score but nothing in my report has changed. It seems that to fix it Experian wants me to buy there products.
Product: Debt collection

They are calling me and threatening to sue/arrest me, as well as telling me a sherrif will be at my job to serve arrest and serve suit paper work to me. They also are calling me late, after XXXX, and on weekends.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to dispute inaccurate and unverified information that has been reported on my credit report by the following creditors : XXXX XXXXXXXX XXXX, account number XXXX. According to Experian and XXXX, I was reported as being 120 days late on XX/XX/XXXX, which is inaccurate as I have never missed any payments on this account. Additionally, all three credit bureaus- Experian, XXXX, and XXXX- reported the payment status as charged off, but I have never received any notification or paperwork regarding this status. 

Furthermore, Experian and XXXX did not report the correct high credit balance on the account, while XXXX reported a balance of {$2600.00}. I believe that these inaccuracies and omissions have greatly impacted my credit score and my ability to access credit at reasonable terms. 

I believe have been reported inaccurately by my creditors. Specifically, I am concerned about the following creditors and their account numbers : XXXX XXXX XXXX ( XXXX ). 

According to Experian, my XXXX XXXX XXXX account is a Secured Credit Card, while XXXX reports it as a revolving account. Additionally, both Experian and XXXX have reported that I was 30 days late on XX/XX/XXXX, but I have not missed any payments on this account. Experian has also listed the payment status as Past due 30 days three times, but I have not received any notifications regarding this past-due status, nor have I been provided with any paperwork. Furthermore, Experian 's Last Reported date is listed as XX/XX/XXXX, while XXXX 's is listed as XXXX Similarly, Experian 's Date Last Active date is listed as XX/XX/XXXX, while XXXX 's is listed as XXXX 

These actions by my creditors are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically sections 623 ( a ) ( 2 ), 623 ( a ) ( 5 ), and 623 ( a ) ( 8 ), which require furnishers of information to credit reporting agencies to report accurate information, notify credit reporting agencies when an account is disputed by a consumer, and notify consumers when an account has been charged off and provide information about the amount of debt owed.

These actions are also in violation of the Fair and Accurate Credit Transactions Act ( FACTA ), specifically section 312 ( b ) ( 2 ) ( A ) ( ii ), which requires the high credit limit reported to be the highest amount of credit extended to the consumer at any time. 

These inaccuracies on my credit report have caused significant harm to my financial standing, as I have been denied loans and other forms of credit as a result of the false information on my credit report. This has had a significant impact on my ability to support myself and my family, causing me immense emotional distress and financial hardship. 

Therefore, I am requesting that my creditors remove these unverified accounts from my credit report as soon as possible. I also request that the CFPB enforce the legal requirements of the FCRA and FACTA to ensure that my rights as a consumer are protected. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : XXXX Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$910.00} XXXX XXXX Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$1100.00} XXXX XXXXXXXX Account number : XXXX Balance : {$1800.00} XXXX Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$3100.00} XXXX Account number : XXXX Balance : {$490.00} XXXX XXXXXXXX Account number : XXXX Balance : {$540.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$1800.00} XXXX  Account number : XXXX Balance : {$1800.00}
Product: Credit card or prepaid card

OnXX/XX/XXXXI contacted Continental Finance ( XXXX XXXX XXXX ) about my bill. the call was recorded for quality assurance of course. I was told on that date that my bill was not due until XX/XX/XXXXbecause of my billing cycle. Well on XX/XX/ Continental Finance called and stated my payment was over due and I would be charged a late fee. This is a very shady practice of circumventing the payment agreements.
Product: Mortgage

I contacted Wells Fargo Mortgage in XX/XX/XXXX  to advise them that as of XX/XX/XXXX  I had met the criteria to have PMI discontinued to be taken out of my mortgage- loan ending in XXXX since I had reached the required 20 %. I further advised it should not be the customer 's responsibility to track this they should have known considering I have a separate mortgage on another property and Wells Fargo stopped PMI without me having to request them to discontinue taking it out. 

I requested to have a refund issued in the amount of {$44.00} which cover the PMI of {$11.00} which was taken out from XXXX to XX/XX/. I received a letter dated XX/XX/XXXX  that my refund request was denied. I need to understand how can Wells Fargo continue to take out PMI when the mortgage had reached the criteria to have it discontinued. 

I feel I'm due a refund because Wells Fargo failed to adhere to the terms of PMI.
Product: Debt collection

Blitt and Gaines never validated a debt that lead to my checks being garnished. As of this date, they have garnished almost XXXX XXXX dollars more than the amount owed and them not showing any evidence that this garnishment is ending and/or overpaid amount being returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

In or around XXXX my Identity was stolen and used to open several auto loans and credit cards without my consent. I would like to have this removed from my credit as soon as possible because I should not be punished for being a victim.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and disputed inaccurate accounts that I do not recognize as doing business with. To be told that the accounts came back as verified without providing me with the requested information from the investigation process was a direct violation of my rights. I have attached a copy of my FTC Identity theft report as well as FCRA 605 ( B ), FCRA 609 ( e ), and FTC Notice to Furnishers. I have not felt the need to use my credit since XXXX of XXXX because its too stressful to deal with. What's even more stressful is finding out that hackers and scammers can gain access to my information and do all types off things that seems impossible to catch or track down. The point of me abandoning this highly stressful credit system was to avoid negative and derogatory things being reported. Even though I rather my report to show that I have little to no history, I still don't want it to look as if I owe debts. This is also inquires from XXXX and XXXX that I did not authorize or give consent to obtain my consumer report. XXXX, XXXX, and Experian have failed to protect my consumer rights and properly investigate fraudulent activity. They have failed to follow through with providing verification methods and proofs of purchase agreements from all collection accounts. There is no need for me to spew off a bunch of consumers laws that have been violated because all three major credit bureaus should know them.
Product: Debt collection

Absolute Resolutions is reporting collections as open accounts. They are also reporting the accounts as charged off each month. They are also reporting multiple wrong dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/2018 ) by means of a Credit Repair Organization, Transunion has failed to respond. They have violated the FCRA, it has been more than 30-days.
Product: Credit card or prepaid card

I opened a dispute for services not rendered with carecredit in XXXX for XXXX The business verbally agreed to request full refund from corporate because the doctor went on leave and no one could tell me what was done before XXXX was aborted due to the power outage but later deciding only to partially refund XXXX. They said I have to request the medical records to see what was done that per the clinic manager who could not tell me anything nor another surgeon when I was at the facility that part of the XXXX was complete. They are charging me for loss of revenue due to the outage the XXXX  report reads infiltration start XXXX and aborted XXXX due to power outage. The business does not have generators only batteries so it was impossible to complete anything if an unexpected power outage occurred but the batteries would allow XXXX  time to safely stop. I ended up paying the card off so it wouldnt hurt my credit expecting a charge back. I just recently in XX/XX/XXXX found out it was closed due to the merchant providing a receipt. So the rep reopened the dispute and it was closed again without explanation so I was told to submit an appeal letter I included medical records from the merchant that the procedure was aborted due to power outage on XX/XX/XXXX. Was told it was closed as well with no explanation. Then I got a letter saying my account balance is XXXX which I know because I paid it. If I report services wasnt rendered how is a receipt sufficient evidence from the merchant. The merchant makes you pay 2 weeks in advance if your paying with a card they dont bill you after the services are rendered. The operative report XXXX  signature looked forge I included prescription to see the difference in XXXX  signature I only had XXXX XXXX. I have more medical records, and emails where I have been trying resolve this with the merchant for the past XXXX yrs they are trying manipulate me into getting the XXXX finished instead of refunding me saying that no other doctor is going to touch another XXXX  work but one at their facility agreed to. They have been rude saying did I prefer they didnt stop XXXX or telling me the contract was void when the power went out so I dont have a valid contract and they rewrote one while I was unconscious and unprofessional on the phone and asked them to put it in writing they say they rather speak on the phone.I cant communicate with them when Im being treated poorly how can they expect I can trust them.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C.1681 section 602 A.States that 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 an account with out my written instructions.

15 U.S.C. 1692C Without the prior consent of a consumer giving directly to the debt collector or express of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions had caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ) specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, dispute, resolution process was unfair and deceptive if they did not comply with error resolution requirements under the electronic fraud transfer act ( EFTA ) and regulation E. These action have caused significant inconvenience and financial loss and I seek appropriate redress for the violations.
Product: Debt collection

XXXX has utilized synergist communication and capital with providing false information using false dates as to when this acct was open and continue to provide false information on the closure of this acct. in XXXX. My credit has been affected severely and XXXX and these collection agencies ignored my letter for negotiations with " cease and Desist ''. XXXX provided to the collection agency that this acct. was open in XX/XX/XXXX when actual it was open in XXXX. I have proof to show that XXXX financial company sent me a letter deleting this debt with all credit reporting agencies, however ; XXXX has falsified their report and the collection agencies failed to follow the letter of the law.
Product: Debt collection

Request of signature and identification Request of all documentation Company failed to provide complete documentation and proof of identity
Product: Debt collection

PHH Mortgage is attempting to collect a mortgage debt that was reported as paid in full by Ocwen Financial Corporation in 2018. My credit reports with XXXX and XXXX reflect a {$0.00} balance on this loan, yet PHH is claiming an outstanding balance of {>= $1,000,000}, which includes an unexplained deferred balance of {$460000.00}. 

I requested a complete loan history, including a final payoff statement from Ocwen, documentation of any approved balance transfers, and proof that PHH has the legal right to collect this debt. Despite my requests, PHH has failed to provide adequate proof of their claim. 

Additionally, PHH continues to report a past due balance and has included a bankruptcy message in their statements. If my liability has been discharged or settled, PHH should not be attempting to collect or foreclose on the loan.

I am disputing this balance and requesting that PHH : 1. Provide a full loan payment history from origination to the present.

2. Provide documentation proving the legitimacy of the deferred balance.

3. Explain why Ocwen reported the loan as paid in full, yet PHH claims an outstanding balance.

4. Cease any collection or foreclosure activity until this dispute is resolved. 

If PHH can not validate the debt, they must correct their records and remove the balance from their system. I am prepared to escalate this issue to the Consumer Financial Protection Bureau ( CFPB ), my states mortgage regulator, and legal counsel if necessary.