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

In XXXX of XXXX, my legal name changed. On XX/XX/XXXX, I began the process of changing my name on my name on my title. I went to XXXX XXXX XXXX, and under 'title services ' under my account, I selected 'name change. ' I submitted all required information and documents. 

I was sent an email that stated : " We've started the process and are currently waiting to receive the vehicle 's title from your state. Please allow XXXX weeks for the title to be received. Upon receipt of the title, we will send the required documentation to your state within XXXX ( XXXX ) business days. This entire process can take XXXX weeks to complete. '' On XX/XX/year>, I received another email repeating the previous email : " We've started the process and are currently waiting to receive the vehicle 's title from your state '' By XX/XX/XXXX -- around the time I called to inquire about my name change -- the 'name change or removal ' page on XXXX had shown " Congratulations! Your name change or removal request has been completed and we have received your new title. '' I called the customer service line, and an agent informed me that my title had been mailed off to my local XXXX, and that it would take a few days to complete. 

On XX/XX/year>, there was still no proof of a completed name change on my title. So I called Hyundai Finance customer service again. The first person I spoke to said my name change had NOT been completed, and that they would re-submit the request again and it would be done in about XXXX days by the accounts team. He gave me the tracking number of the title that was mailed ( XXXX  tracking number can be provided ), and I promptly looked it up, noticing that the mail was marked as 'returned to sender. ' ( XXXX return tracking number can be provided ) Afterward, they escalated my call to an escalation agent. This escalation agent confirmed with me that XXXX XXXX has all the documentation necessary to change my name, and was perplexed as to why my title had not been changed to reflect my new legal name ( I asked them to check ). She offered to submit a complaint on my behalf ( complaint number can be provided ). I was told an agent would call me in a few days. 

On Friday XX/XX/XXXX the agent left me a voicemail. I attempted to call back on the following Monday XX/XX/XXXX and left a voicemail asking for a call back. On subsequent call attempts, I have been unable to reach this agent. I receive Busy signal or straight to voicemail. 

XXXX XXXX has been unable to resolve what should be a straightforward name change, and this means I can not change the name on vehicle registration with my state XXXX.
Product: Debt collection

I reached out to The Green Law Firm PC in XXXX NC on Friday XXXX who was responsible for sending out letter correspondence on behalf of XXXX XXXX XXXX to provide me debt validation due to 15USC1692g providing me with the history of payments that I made on this credit account. The payment history was not validated properly. I also asked for them to provide me proof of signature I put on the original contract and and they sent me copy of contract with digital E- Signature. I also asked for any insurance claims filed on this debt and I didnt receive a copy of that or proof. Lastly I asked for proof that this law firm has the chain of title to collect this debt on behalf of the creditor. This debt was already charged off on my credit report and they are still sending me threatening letters to file judgement against me and garnish wages.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance regarding an unresolved dispute on my credit report that involves Experian. Specifically, the XXXX XXXX accounts is still being reported as in dispute despite the fact that more than 30 days have elapsed since my initial dispute was filed. 

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ), a credit reporting agency must conduct a reasonable investigation of the disputed information and complete that investigation within 30 days. If the information can not be verified, it must be deleted from the consumers credit report. 

Despite my compliance with the dispute process and the passage of the required timeframe, Experian continues to report the XXXX XXXX account as disputed. This failure to act is not only a violation of the FCRA but also adversely impacts my credit profile and overall financial standing. 

I respectfully request that the CFPB intervene in this matter and compel Experian to comply with its legal obligations by removing the inaccurate and unresolved dispute notation from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt assistance.
Product: Debt collection

This is in reference to XXXX XXXX 's CFPB # XXXX, I just need clarification from BOA in regards to XXXX XXXX 's statement and response letter. XXXX XXXX is stating the Case XXXX originated from BOA not XXXX XXXX. Can BOA Confirm and agree with XXXX XXXX 's statement? I '' m attaching the document in reference to XXXX XXXX 's allegations.
Product: Checking or savings account

USAA has been in reception of MULTIPLE lawful payments and has yet to apply any of them to the account I use for my benefit. I believe in all of my heart that the instruments ( aka payments ) have been stolen and possibly sold for value of USAA 's personal financial gain. 

Attached are some of the instruments./payments USAA also commits crimes called double dipping, they expect the be paid twice for their insurance products by payment PLUS remittance coupons that are redeemed via Remittance department. 

Any time I call, I get multiple representatives who never provide transparent answers. 

This bank has been in reception of MULTIPLE negotiable instruments as payments and/or deposit funding and it has yet to be applied EVEN ONCE. 
A XXXX IRS Referral and Interference with commerce IRS Notice, a long with documentation of USAA 'S DISHONOR has been sent USPS to XXXX, Utah in hopes to recover the funds *eventually *, but I hope your department can intervene sooner??
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Unverified Accounts Dear Credit Reporting Department, I am writing to formally request the removal of these accounts from my credit report as reported by XXXX, XXXX and Transunion. This request is based on the recent deletion of accounts by XXXX, XXXX of the XXXX major reporting agencies. I recently disputed these accounts listed on my XXXX report XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Assoc XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Following a thorough investigation, XXXX has completely removed these unverifiable accounts from my report as of XX/XX/year>. 
According to the Fair Credit Reporting ( FCRA ) ( 15 USC 1681 ) all consumer reporting agencies must ensure that information in consumer reports is accurate, fair and verifiable. Since XXXX has removed these accounts after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 USC 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumers credit file. I am exercising my right to ensure that my credit report remains fair, accurate and free of unverifiable information. Since XXXX has deemed these accounts unverifiable and have removed them, you must take similar action Additionally, under FCRA Section 623 ( 15 USC 1681s-2 ) Information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within XXXX days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the XXXX XXXX XXXX ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 USC 1681n ) which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 USC 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit reports integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX Consumer ID : XXXX ChexSystems, XXXX XXXX : Consumer XXXX XXXX XXXX XXXX XXXX, MN XXXX I am XXXX to dispute the negative report that was placed on my account by ChexSystems. I was recently informed of a negative item reported by XXXX of XXXX included in the file ChexSystems maintains under my Social Security Number. According to your records, I have found an entry from the XXXX of XXXX listing a suspected fraud activity on XX/XX/2018 that is preventing me from opening a new checking account. I am unaware of ever having a checking account with XXXX of XXXX. However, I believe that this report is inaccurate and unfair. Please validate this information with XXXX of XXXX and provide me with copies of any supporting documentation for this. In absence of such documentation, I ask you to please delete this information from my ChexSystems and send me an updated copy of my report. 
Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( sce 15 USC, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC. CEPB d the state of Minnesota Attorney General 's office, should you continue in your non-compliance. 
I understand that ChexSystems is responsible for maintaining the banking records of individuals, and that this information is used by banks to determine whether to approve or deny applications for checking accounts. However, I believe that the information that was reported by ChexSystems is incorrect, and does not accurately reflect my financial history. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims tion against your company. I will be seeking {$5000.00} in damages for the following : Defamation of Character Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act Thank you for your attention to this matter. I look forward to hearing back from you regarding the outcome of the investigation Best Regards, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX is a utility company that provided my home with services. During the pandemic and after the pandemic this company was having billing issues. It is well documented and the bill that they are stating I owe is not accurate based on the inaccurate billing system. There is litigation on the matter and local laws were changed because of this utility company.
Product: Mortgage

Bank of America sold our mortgage to XXXX. We continued to pay Bank of America on time each month and they continued to accept and cash my checks when I went into the branch and paid them in person. We were n't notified of the sell otherwise we would have switched to paying XXXX. Over the past 9 months, we have made numerous attempts to dispute the 30 day lates on our credit reports both directly with Bank of America and all XXXX credit bureaus. In spite of my numerous letters and copies of canceled checks they have been provided the lates are remaining on my credit reports. 
We simply do n't understand how Bank of America can fabricate a wrongful credit history.
Product: Credit reporting or other personal consumer reports

CFBP, They are a Third-Party Credit Bureau that reports to the 3 major credit bureaus XXXX, XXXX, XXXX, im requesting that there company stop saling my personal information/ credit report/ requesting that they freeze my credit report and opt out all my personal information.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX have noticed inaccuracies on my credit report such as late payments. I am writing this letter to have my credit report updated to be current and up to date. First, according to the F.C.R.A Section 604 ( A ) ( 3 ) 15 U.S Code 1681 ( b ) Permissible purpose states that I have the right to privacy and that my information can not be shared without my written consent! Second, Section 607 ( A ) 15 U.S Code 1681 ( e ) Compliance and Procedures states my report must be 100 % accurate at all times and these late payments are not accurate! Nor did I authorize these late payments to show on my report. Third, according to the Truth and Lending Act Section 15 U.S Code 1666 ( b ) corrections of billing errors the CRA must correct any billing errors made on the consumer 's credit report with a written statement of what accounts need to be updated and corrected. I have already sent a letter 30 DAYS AGO AND YOU ARE NOW IN VIOLATION OF MY CONSUMER RIGHTS! I am also placing a FTC reference number- XXXX XXXXXXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. These accounts must be updated AS SOON AS POSSIBLE to avoid any VIOLATIONS FEES.
Product: Credit reporting or other personal consumer reports

recently i looked at copy of my credit report and noticed several inaccurate in my account. this account is hurting my ability to obtain credit. I don't have any contract with this company and a don't know it. it is my undertstanding that you will investigate these items for me to ensure accurate : transunion : XXXX / NUMBER ACCOUNT : XXXX DATE : XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I called XXXX XXXX XXXX to close my account and I paid my balance off in full. When I closed my account, there were no remaining charges. 

In XX/XX/XXXX, after receiving a bill in the mail saying that I was late on a payment, I called again to confirm that my account was closed. I was then told that my account had not been closed, which was very frustrating. The person I spoke to removed the charges that had accrued. He also told me to follow up in two weeks to ensure that the derogatory late payment remarks were reported as an error to the credit bureaus. I was told then it was taken care of. 

Currently, the late payments for XX/XX/XXXX and XX/XX/XXXX are still on my credit reports, even though XXXX XXXX XXXX recognized the mistake that had been made on their part by continuing to keep my account open. One representative I spoke to listened to past recordings from my conversations where XXXX -- XXXX XXXX admitted to the error and said they would remove the derogatory late payment remarks. I have written to them and filed disputes with the credit bureaus and XXXX has not yet reported the correct information to the credit bureaus. 

I also received a letter from XXXX -- XXXX XXXX dated XX/XX/XXXX that says my account balance has been {$0.00} since my last payment of {$350.00} on XX/XX/XXXX. The late payment derogatory marks being reported to the credit bureaus are from XX/XX/XXXX and XX/XX/XXXX. If I have had a {$0.00} balance since XX/XX/XXXX, how  could I have late payments in XX/XX/XXXX and XX/XX/XXXX of that same year? 

Thank you for your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an XXXX XXXX credit card an in XXXX I was leaving the country so I called and made a payment however, I was told that it hit two days later and because of the representative not putting the correct note on the account to make sure it was at XXXX, I was assessed a late fee and interest was then applied to that amount. Last week I spoke to another representative who has fixed that error that should have been done in XXXX however, I notice that my credit score has taken a hit for negativity and I really do not appreciate it. I was told to reach out to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting late as reported in my Equifax and Credit bureaus. This account should not be showing the current status of 30 days late since its already been paid for. It seems impossible to accrue late on an account that has already been paid. Please report the payment status positive and update all late from reporting on this account. 
XXXX XXXX  XXXX
Product: Student loan

XXXX I never consented to opening loan the school I attended never disclosed to me that I would be taking out student loans to cover the high priced tuition I would have never attended the school if I knew I had to take out a loan.
Product: Checking or savings account

Fraudulent checking account opened under my name at US Bank on XXXX. Fraudulent check cashed by a person named XXXX XXXX - according to the bank. Spoke to their fraud department on XXXX. Bank is sending me affidavits and information via email to resolve.
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 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 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.
Product: Credit reporting

I had asked Equifax to investigate a few questionable items on my credit report. They sent back a report with something new on it that absolutely is incorrect and not mine.
Product: Credit card

Chase Bank is holding me responsible for fraud charges that were made on 2 of my cards with them ... for a total of around {$50000.00}! The charges were something called XXXX XXXX XXXX -- -- they seem to be for illegal gambling or some sort of video game. 

I made the bank aware of these fraud charges last year. They investigated and I was told they were going to hold me responsible for these charges. I don't need illegal gambling online nor spend tens of thousands of dollars on some sort of virtual money game -- -i am still not sure of which of these two the XXXX XXXX was suppose to be for... 

Could you please help me!? 

XXXX
Product: Credit card

I've consistently ensured payments on this account are timely, never letting them become overdue. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Debt collection

Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. MRS BPO LLC I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it.
Product: Debt collection

The original debtor is XXXX XXXX XXXX. I contacted XXXX XXXX XXXX last year on XX/XX/2020 to cancel my wireless service to switch to XXXX. I was told to pay {$800.00} by XXXX XXXX XXXX to unlock the phone and settle the final bill. I paid the {$800.00}, and requested to cancel and Immediately discontinue wireless service as of XXXX XXXX. XXXX XXXX XXXX explained that it would take several days before they could close out my wireless account to make certain that my {$800.00} payment would go through, however on XXXX XXXX XXXX XXXX XXXX 's internal auto paid ( overcharged ) and billed me for wireless service {$73.00}. 

*** See attached XXXX bill as proof that XXXX had control of my wireless account as of XX/XX/2020, but XXXX XXXX XXXX charged me regardless*** I called XXXX XXXX XXXX on many occasions to reverse the charge. I had signed up for XXXX XXXX XXXX auto billing and they had taken the {$73.00} without permission on XXXX XX/XX/2020. After Speaking to several very confused XXXX XXXX XXXX customer service reps to correct the overcharge, who couldn't explain or understand the overcharge, I had no choice but to contact my bank to reverse the overcharge. XXXX XXXX XXXX SAYS MY CREDIT CARD WAS REJECTED WHICH IS NOT CORRECT. I INSTRUCTED MY BANK TO REVERSE THE CHARGES DUE TO THE XXXX XXXX XXXX SYSTEM AUTO PAY OVERCHARGE. 

XXXX XXXX XXXX claims this charge is for internet ( XXXX ) which is listed in XXXX XXXX XXXX  systems internally and incorrectly. I cancelled my XXXX Internet service with XXXX XXXX XXXX in XX/XX/2020, four months prior to XX/XX/XXXX. XXXX was intertwined with my wireless service as a bundle promotion, which is the core issue with their billing algorithms and system. 

*** See Attached XXXX XXXX XXXX bills showing that my home Internet service was not with XXXX XXXX XXXX in XXXX XXXX The bottom line is XXXX  XXXX XXXX has listed this account incorrectly and has over billed me. No further bill should had been generated. I owe nothing, but the debt was sent to the collection agency ( MRS BPO ) nonetheless.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft my identity has been stolen someone was able to access my information & open account without a permission given. It is currently being investigated to see who open accounts under my name.
Product: Debt collection

I have discovered accounts on my credit report that are incorrect and unauthorized. Please take immediate steps to block and delete these fraudulent items.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OTHER ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2011 with a balance of {$1200.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Back in XXXX of 2023 I requested a dispute request to be initiated in regards to incorrect information being reported on my credit report. It has now been more than 60 days and these matters have not been resolved. There still is incorrect information on my credit report and I have not received any type of response that these matters are even being investigated.