23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I have recently moved to XXXX from XXXX and was trying to get an XXXX plate for my car. The tag office in XXXX XXXX, XXXX sent a request to my finance company, Santander Consumer USA on XXXX/XXXX/XX/XX/2015 and I was issued a temporary tag. I went back when my temp tag expired and they still had not received an answer so they sent another request and I was issued another temp tag on XXXX/XXXX/XX/XX/2015 On XXXX XXXX, XX/XX/2015 I went back to the tag office and they made a call to my finance company and was told that they had received the requests, but they were sent to the wrong department so they just filed them. The local tag office was given the phone number for the correct department and they called that number and were told that they would request a copy of my etitle as soon as they received the request for it. The local office once again sent the request to the now correct department and we checked to make sure it was received. It was and we were told it takes XXXX weeks for that to arrive. XXXX at the local office spoke to XXXX in the title department of Santander Consumer at XXXX. I have since spoken to him as well to ask if there is anyway to put a rush on this as we have been trying since the XXXX part of XXXX to get it and was told no, they are sorry. I was told that the original request should have been forwarded onto them and they were very sorry it was n't. I ca n't get a XXXX temp tag and have to wait for this to come through to get my metal tag. In the meantime, my car is sitting in my driveway with no tag on it at all and I am unable to go to work, doctor, store or anywhere.
Product: Debt collection

NCB MANAGEMENT SERVICES # 1953 is violating several FDCP laws. I do not know this company. I have never signed a contract with this company.

PC 530.5 states that every person who willfully obtains personal identifying informationof another person, and uses that information for any unlawful purpose, including to obtain, or attempt to obtain, credit, goods, services, real property, or medical information without the consent of that person, is guilty of a public offense.

A previous request for them to produce the ORIGINAL CONTRACT of this debt with this company has not been received, yet they continue to violate my rights as a private consumer. They have violated the following 15 U SC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt.

15 USC 1681 ; Harass and oppressive use of intercourse about an alleged debt.

15 U SC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) Violated 15 U SC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( are not a party In the alleged debt )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX  several times and it comes back verified. How can it comes back verified when it's reporting different information on all bureaus? Highest balance is different along with last payment. This is a violation of my rights.
Product: Prepaid card

I been awarded these funds from the state of XXXX XXXX. I reported that these funds were missing from the account on last year around XX/XX/year> i have contacted the company. they were able to recuperate the funds and they said they had mailed me a check to home address. However, its been almost XXXX year since that response from the company and i have not received the check via the mail. I contacted the department that issued the funds to money network and they told me to reach out to money network since they were the ones that issued the check. I need the remaining funds that were surpose to be sent out in a check. I tired calling money network services however the agency answers the phone and hangs up the call on me. I never received the check that was surposly mailed out from money network.
Product: Credit reporting or other personal consumer reports

Dear ChexSystems Dispute Resolution Team, I am writing to formally dispute the information on my ChexSystems report. This is a result of identity theft I do not own any of these accounts and I want these inquirys removed immediately. 

XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/year>
Product: Credit card or prepaid card

I have had a Kohl 's store charge card for many years. I have always received my monthly bill through the usps. Kohl 's switched me to paperless online billing without my consent or knowledge in/about XX/XX/2021. Because I didn't get bill in mail, I didn't see it and it did not get paid on time. The email account it was delivered to was unchecked by me. When I found out that I had a payment that was over due, I paid the full amount on card immediately. I recently checked my credit report and am horrified that they reported the payment as late. At the time, when I called to make that payment, I explained to Kohl 's that I have to get my bill in paper format and that they had made a mistake by changing my account to paperless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have not been provided any signed contract I have with XXXX XXXX, whether the original creditor is correct or not. So therefore the collection account is null and void. Until I am supplied a signed contract with XXXX XXXX with my wet signature I will simply keep disputing this. Under the FCRA you have to provide substantial evidence that this is indeed mine, which providing information from the original creditor doesnt substantiate that i have a signed contract with XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the accounts which still appear to be reporting inaccurate on my credit after requesting validation and or update. I would like these items immediately reinvestigated. The inaccuracies are highly injurious to my credit score In accordance with the Fair Credit Reporting Act and Public Laws listed. Please provide the names and business addresses of each individual with whom you verify the information, so that I may follow up. Please send me an update copy of my credit report after your investigation has been completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the accuracy of account XXXX XXXX XXXX # XXXX, requesting proof ( OG application w/ my signature ) that this account belongs to me. However, I have yet to receive any contracts, applications with my signature verifying that this account actually belongs to me. I have sent multiple disputes trying to get this unverifiable, inaccurate account deleted, however the bureaus continue to report inaccurate, unverified information. Balances on 3 bureaus are different, one bureau reports a monthly payment on a close account. The account is just inaccurate and bureaus have not followed through with proper verification.
Product: Debt collection

Good Afternoon. I am submitting this complaint because this company is trying to collect a debt from myself and from my husband. They sent a collection notice to my husband and then send a bill in my name to my husband via email. This same debt has been sold multiple times to different agencies. I have just reached out to an attorney to help out with this and sue the collection agency. We have not ever had service with them at all. Also, they can not figure out who this alleged debt belongs to. Please see attached information information in this complaint. We have been victims of identity theft. We have police reports as well. This account does not belong to us, either of us. I am guessing they are having a hard time trying to figure that out. This is illegal.
Product: Debt collection

Capital One Auto Finance has reported false and misleading information. This loan was paid off in full. I did not make any late payments during the term of the loan. This company is reporting that this account was charged off when it was NOT. This company is reporting many violations against such as : 15 us code 1692e ,15 us code 1681e ( b ) and 15 u.s code 1692k ( a ) ( 1 ).
Product: Checking or savings account

I deposited my PAYROLL check yesterday at chase bank, via mobile deposit and in the app it said funds would be available the next day, i have also set up direct deposit wich they accepted the 1 cent deposit to verify, now they are saying my money will not be available until XXXX, over a week later, i called yesterday and was told it would be available by XXXX last night so i did not call and badger them and this is a holiday weekend so no one will be in until Tuesday, my car will be reposessed by then because i bought it at a buy here pay here lot and furthermore i will have another check by the time they clear this one, this is a payroll check, not a third party check, they shouldnt be allowed to just hold my money and refuse to give the check back so that i can go elsewhere, that in my eyes is theft, they out right lied to me saying it would be available by XXXX XXXX  last night and when i call this morning they convieniatly cant reach the issuing back due to a holiday weekend, they knew it was a holiday weekend when i called yesterday and was lied to, and as far as them verifing the account the 1 cent direct deposit was made before i did the mobile deposit, that verified it right there
Product: Credit card or prepaid card

On XX/XX/2019, I went to a bar/restaurant and purchased a drink for {$17.00}, my credit card and ID were kept behind the bar. My Citibank credit card was subsequently charged {$410.00}, {$820.00} and a {$1700.00}. I DID NOT AUTHORIZE these transactions. 

My wife saw the charges on XX/XX/XXXX and thought the card had been lost or stolen because 1 ) we never make purchases this large, 2 ) it appeared the card was being used in XXXX, not XXXX, and 3 ) our Citibank credit card has been compromised at least 4 times in the past few years. 

She cancelled the card that night, stating it was stolen or otherwise compromised. 

We called Citibank during the initial investigation to inform them the card wasn't stolen, however these charges were not authorized. Citi closed the investigation the investigation as card not stolen. We have called over 10 times and spent more than 7 hours on the phone over the past 3 months asking Citi to open an investigation of the charges not being authorized and were consistently given the run around by transferring us back and forth between depts, telling us it would be reopened and we'd get notification. Never were we informed they are only obligated to investigate written disputes. We learned from a friend we needed to send a written billing dispute and subsequently sent a certified letter. We received a response today stating the {$1100.00} will be investigated, it does not mention the {$410.00} or {$820.00} charge. I do not have confidence they are going to investigate ANY of the charges. 

If nothing else, I should receive receipts and " proof of purchase ''. Card ending XXXX
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A cell phone account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an auto loan opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an auto insurance policy opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Hi, I received a debt collection letter, and I have a concern I would like to bring to your office. 

Zwicker & Associate, XXXX. ( XXXX, MA ) sent me the letter. While they are a legitimate law firm with actual lawyers on staff, their letter appears to make a consumer think it's communication from lawyers at their firm, when in actuality it's not. 

On the immediate top, left-hand side, the first thing I read was their address : Zwicker & Associates XXXX XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, MA XXXX Therefore, I thought this letter was from an attorney that was trying to sue me. In fact their website boasts that they are attorneys that go after debt collections. 

However, I noticed the address on the bottom of the page omits " XXXX XXXX XXXX ''. 
Furthermore, on their website, they also omit " XXXX XXXX XXXX '' in their mailing address on the Contact page. 
( Only on top of the collection letter, where it's 1 of the first things to catch many consumers eyes, does Zwicker include " XXXX at XXXX '' in a mailing address. ) When I flipped the letter over, it says " Important Information : As of this time, no attorney with this firm has personally reviewed the particular circumstances of your account. This letter is not a threat to suit and should not be construed to be a threat to suit ''. 
Can you explain to me why this " important information '' would be on the BACK of the letter? Why would they hide the " important information '' on the back page of the letter, yet they found they should put put non-essential info ( " XXXX at XXXX '' in the address ) on the front page? 

I fear that many consumers have fallen into thinking this debt collection is from an actual lawyer that is trying to sue. When in actuality, it's not. 

Can your office please look into this? I see it as a stumbling block for many consumers. 

Thanks,
Product: Mortgage

To : Consumer Financial Protection Bureau XX/XX/XXXX CC ; Correspondence Team ( Fax # XXXX ) Sub : Dispute of Loan # XXXX of Seterus Borrower : XXXX at XXXX, XXXX CA XXXX 5th Resending!!! 
To whom it may concern, I discussed XXXX, SME of Seterus customer service today XX/XX/XXXX to dispute {$90.00} inspection charge that is not my responsibility but the issue from the transit period to Seterus from XXXX in XX/XX/XXXX. I always paid the mortgage on time 100 %. I never got the transfer letter attached in timely manner and they just charged the inspection fees without any inspection notification letter to me. I am so frustrated that Seterus {$90.00} charge on the statement over 3 years that I have disputed. 
Per the conversation with Seterus Customer Service team in XX/XX/XXXX, I am requesting to waive the inspection fee {$90.00} charging to my account again. This is not my fault but the fault from the previous the previous mortgage servicer, XXXX that never forwarded the fund to Seterus. I also updated my mailing address timely manner but they did not update the correct mailing address so I could not get the transfer information accordingly. This is not my fault so can not pay the inspection fees {$90.00} that Seretus charged and it is not my responsibility. 
Seterus charged 2 times of inspection after XXXX even I updated my address and payment information accordingly in Seterus. Your research department already verified that I paid all payments on time every month. 
Please reconsider and waive the charge {$90.00} fee as XXXX and I discussed and agreed on the phone that I am going to make a payment of {$990.00}. 
Regards, If you have any question, please email me at XXXX or call me at XXXX. 
Regards, XXXX. 
Attachment : transfer letter of XX/XX/XXXX was receive in XX/XX/XXXX.
Product: Consumer Loan

i defaulted on a auto loan at ally bank on XX/XX/2013.i noticed recently that every 3 or 4 months they remove the negative entry off my credit report and a completely new entry with a small change in the balance will appear a couple of days later, sometimes only penny 's in difference. therefore restarting the time statutes back to seven years.they constantly do inquiries on my credit reports damaging my score.if the loan was charged of f on XX/XX/2013, why do they keep tinkering with dates, balances, etc.after 4 years in Texas they can not legally sue in court that is why ally bank keeps renewing the credit entry as a new debt with a new balance and a new time statute.this kind of activity does not seem legal to me.
Product: Credit reporting or other personal consumer reports

never late on the following accounts please remove immediately. 

Account XXXX  Account Number XXXX Account Type Revolving Account Account Condition Closed Date Opened XXXX XX/XX/XXXX High Balance $ XXXX  Monthly Payment {$0.00} Last Payment Date XXXX XX/XX/XXXX Account Balance {$0.00} Last Reported XXXX XX/XX/XXXX Amount Past Due {$0.00} Limit {$1500.00} Remarks Account closed at credit grantors request Creditor Comments Account closed at credit grantors request Your Statement - Responsibility Individual Past Due - 30 DAYS XXXX Past Due - 60 DAYS XXXX Past Due - 90+ DAYS XXXX The table below represents 24 months of account repayment history PAST 24 MONTHS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Account XXXX XXXX  XXXX Account Number XXXX Account Type Revolving Account Account Condition Open Date Opened XXXX XX/XX/XXXX High Balance $ XXXX  Monthly Payment {$3.00} Last Payment Date XXXX XX/XX/XXXX Account Balance {$3.00} Last Reported XXXX XX/XX/XXXX Amount Past Due {$0.00} Limit {$900.00} Remarks - Creditor Comments- Your Statement - Responsibility Individual Past Due - 30 DAYS XXXX Past Due - 60 DAYS XXXX Past Due - 90+ DAYS XXXX The table below represents 24 months of account repayment history PAST 24 MONTHS 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 Experian 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 called to XXXX XXXX XXXX XXXX and they are not seeing any lates on my account. Somehow, the are showing that I had an {$8.00} balance that is reporting 30 days late for XX/XX/2021. I was never late. I am on auto pay. This should never have hit my credit and XXXX XXXXXXXX doesn't show me anything was late. I spoke to XXXX and they are confused by all of this. This dropped my credit 40 points and I am trying to purchase a home!
Product: Credit card

I am hoping that someone can bring resolution to my ongoing issue with my credit card company. I have a credit card through Capital One for over XXXX years now and despite numerous attempts to obtain a lower interest rate of 19.8 %, I was advised that they do not a reduced interest option for repayment. I spoke with a representative yesterday about being put on a payment plan to pay the card off and she advised me that Capital One does not offer this option and the rate stays the same as when the card was opened. Of a minimum payment of $ XXXX monthly, XXXX has been going to finance charges. I am wanting to pay the card off and hope that this bureau can help bring me some resolution
Product: Credit reporting

I have recently went through the mortgage process and purchased a home. During this process it was brought to my attention that I had a couple negative items on my report. XXXX being an {$8.00} med bill and XXXX I realized was for an business auto loan that I NEVER signed any loan documents for. I did work for the company and was on the board at the time but when they said I would need to sign for the loan personally instead of as a corporate representative I out right refuse and never signed for this vehicle. I let the company a short time after. I have disputed this with all XXXX credit agencies and believe it have been removed from XXXX, I 'm not sure at this time about XXXX but Experian asked that I contact the lender direct which I did and they said they had no records to show my signature, only an electronic file showing I was a customer of theirs, and they suggested I dispute it and it would be removed. I told them I did and that 's why I was contacting them so they suggested I ask for a reinvestigation. Which I did and so far on XXXX occasions Experian has refused to remove it and just keeps telling me it 's " Updated ''. Here is the deal, show me my XXXX signature because I NEVER signed for it, and if someone forged my signature I want to know. I have a short email chain between me and the lender but obviously no script of my calls. This may seem petty since it is only listed for being 30 days late once but it is the point. I did NOT sign for this loan ... ... so WHO did. The credit reporting agencies should have to report who they spoke to and contact information for them and what documentation that they obtained " validating '' or " confirming '' an account belongs to someone. Not just send a generic letter stating they " updated '' the status and I can add XXXX words as an explanation? Whatever, show me the evidence.
Product: Mortgage

Hi, my name is XXXX XXXX. I already have submitted a complaint, however it said where I send the mortgage company Qualified Written Request Letters that if they do n't answer to send them another QWR, ( which I did XXXX XXXX, 2016 documents attached ) ... and then to submit a complaint to CFPB.. ( which I am doing now ... ) Thank you.