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

I purchased a XXXX XXXX XXXX # XXXX on XX/XX/2022 I had an auto loan with XXXX, but refinanced it with XXXX XXXX XXXX XXXX. XXXX was paid off on XX/XX/2022 and they sent a lien release on the title. However, XXXX XXXX XXXX XXXX still can not place a lien on the title because the title is not clean. I reached out to XXXX XXXX XXXX 's XXXX in XXXX XXXX, TN to find out why there is no clean title. Per the XXXX XXXX XXXX, the current lienholder on the title is Carvana. I do not owe Carvana money on this car, nor have I ever. Carvana should not be the lienholder since financing was never done with them. I reached out to Carvana back in XXXX when XXXX told me that Carvana would never release the title to them. Carvana stated they didn't have it. No one has ever been able to obtain a title to this car. Today I found it it was because Carvana is in fact listed on that title as the lienholder. In essence, they are blocking the actual bank that is financing this car, XXXX XXXX XXXX XXXX, from placing their security XXXX on it, resulting in me having an unsecured loan. XXXX XXXX XXXX XXXX is telling me now that since I can not produce a clean title, my interest rate is going to go up, which will result in a payment increase of over $ XXXX. It is not fair that I have to pay an unsecured interest rate on a car that Carvana will not release the title to. They sold me the car, it should have a clean title. XXXX XXXX XXXX XXXX wants me to resolve the issue and get their title to them. I don't know how at this point. I need some help with this. I am just now finding out that Carvana is in fact the problem, as they made themselves the lienholder during titling and never released it. 

XXXX XXXX XXXX XXXX XXXX XXXX department located at XXXX keeps sending me letters stating I need to give them information so they can place the lien. I am unable to make that happen. Carvana is the only one who can because they are listed as lienholder. Now XXXX XXXX XXXX XXXX has sent me a letter referencing account # XXXX saying my APR is going up. I was told verbally on the phone 2 weeks ago that they have waited long enough and my rate is set to increase on the next billing cycle. I feel helpless because no one involved will help me. I can't afford to pay additional payment amounts because Carvana wants to tie my title up and won't make an effort to release it. 

XXXX XXXX XXXX XXXX will only communicate by snail mail, no email, so every time they have sent me a letter or form, the difference in postmark date VS receipt date is over 20 days. Time is of the essence with this and every time I think it is resolved, I get another letter from them that has been in USPS route for over 20 days from CA to TN. A phone call or email would be nice, but every single step is snail mail. This has had a great contribution to the time delays with this situation.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I mailed certified letters to XXXX Experian and XXXX proving I was not the account owner nor joint account owner via an affidavit from my father who is the actual account owner along with XXXX XXXX XXXX XXXX. I also demanded XXXX to send me the joint application form to which they returned a form asking me for all my information! TotaXXXX XXXX if they thought I was sending them that information. In addition I have requested disputes with the credit reporting agencies and sent them all required documentation and they said XXXX XXXX said it was a joint account. So yes, XXXX and XXXX XXXX XXXX XXXX is a joint account NOT with my name XXXX XXXX XXXX. 
I have not missed a payment on my accounts in XXXX plus years and the reason I caught this was because my father quit paying and it pinged my XXXX XXXX. 
Kindly remove this from my credit report and remove the XXXX XXXX plus liability because it has greatly reduced and harmed my personal credit! Please see attached records.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX-120 days late ( account is paid in full ) XXXX- showing up as a collections ( account is paid in full ) XXXX XXXX- XX/XX/2021, showing late 60-89 days as of XXXX XXXX XXXX- XX/XX/XXXX showing 60 days past due ( account is paid off in full ) XXXX XXXX XXXX showing that I have a balance of {$910.00}, but its incorrect, they took me to court right after I have my last XXXX XXXX XXXX. I reported to XXXX because every time it raining is was raining in my living which caused me to develop XXXX  in my XXXX. My daughter said the doctors was concerned about that whenever I seen it on my X-ray before I had my open XXXX. I manager also was harassing me and my family, she lied to section 8 which caused me to lose my voucher. I lived at that apartment for six years and expected more from this company and I wouldn't recommend anyone to live there. 
XXXX Billing- {$670.00} as the balance this account was supposed to be removed because of the hyppa law. I had XXXX and XXXX at the time but they claimed that there was a wrong code put down so they couldn't bill my insurance. My daughter had to call XXXX because my XXXX XXXX was super low and I kept losing conscious. I was put in ICU because two XXXX XXXX my XXXX and I also had XXXX  XXXX  as well.
Product: Money transfer, virtual currency, or money service

1.They have allowed blocked merchants charge my account and refused to refund on multiple occasions 2. My account numbers have been changed and money stolen and they refuse to help. They tell me to have my bank address it when it is their system failing.

3. They have refused to refund money and Bitcoin that disappeared multiple times.

4. They refuse to stop unauthorized payments even when they're caught prior to posting to my account.

I don't even know for sure how much money I've lost, but I know 1 thing ... of all the times they've been at fault they have never taken responsibility for losing or refunded the 1st penny.
Product: Credit card or prepaid card

I received a range of 4 to 6 credit card pre-approval offers from Capitol One monthly and every time I apply Im denied. I previously had a successful auto loan paid off with Capital One but can not understand why constantly send me credit card offers when you know you are not going to approve me. This has been an ongoing issue for nearly two years that only stack hard inquires on my credit report thus hurting my overall score. It is literally a cycle of confusion.
Product: Money transfer, virtual currency, or money service

I want to close my Paypal account because I getting unsolicited requests for payment. I'm unable to do so using their website. Called Paypal customer service and they sais they were unable to do so since there is a " limitation '' on my account. I asked to talk to a supervisor and was placed on hold and eventually hung up. My complaint is simple. I want my Paypal account closed and a check issue and sent to be for the positive balance. Paypal wouldn't do this for me.
Product: Credit card or prepaid card

I called Capital One ( my credit card company ), on XX/XX/2022 to change my legal name after I had gotten married. I spoke with someone named XXXX on the phone, who told me that they could do that and that they would send me a link through email to upload paperwork including IRS tax form W-9 and A copy of my marriage certificate. The email that I got came from the same email that I always got from Capital One. And it appeared to have a secure link attached to it. The link would expire in three days time. I uploaded the documents that same evening. And thought all is well. When I called Capital One about two weeks later, they said that they do not ask for that information through email, nor had they received any of the paperwork that I supposedly sent to them. The information had my name address and Social Security number. It also has my husband Social Security number. And both of our parents names.
Product: Consumer Loan

I got a loan from Spot Loan a few months ago and then lost my job, so ca n't make the monthly payments. For the past week I 've had a collection agency call me threatening to put me in jail saying the fact of Spot Loan not being able to ACH payments from my bank means I wrote a hot check. The call today was a lady saying I 'd be served on XX/XX/XXXX by who, I do n't know. I know my rights and they ca n't put me in jail for this. I 'm so tired of the calls that I 'll probably change my phone number.
Product: Checking or savings account

I am writing file a complaint against Navy federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX. I am writing again in reference to the fraudulent XXXX XXXX account on my report. I just spoke with two representatives who identified themselves as supervisors, XXXX ( XXXX ) and XXXX ( XXXX ). They both advised that when I sent my complaint through CFPB that my FTC report was not attached to my complaint and they have no record of it. I have already sent in my I.D and social security card and it was confirmed Equifax has received it so I will now attach yet another copy of this FTC report. Please remove this fraudulent XXXX XXXX Account from my report. Thank you
Product: Debt collection

Midland Funding, XXXX ARE CALLING ME CONSTANTLY, VERY UNPROFESSIONAL AND DEMANDING WITH ABUSSIVE MANNERS THAT I PAY AND OLD DEBT. THEY MAKE THREATS TO ME.
Product: Mortgage

I fell behind on my mortgage payments a few years ago due to some financial problems, and tried for a loan modification with the company. I made all of my trial period payments only for them to cancel the modification because according to them I missed a payment in the beginning of the trial period. So me being stubborn and already mad I quit making the mortgage payments. Fast forward 4 years later I filed for bankruptcy because I got tired of them not trying to work with me to resolve my problem. After filing for bankruptcy in the spring of XXXX the mortgage company was willing to work with me and apply for a loan modification my trial payments were a little over {$2100.00} a month for 6 months starting in XXXX of XXXX thru XX/XX/XXXX, which I paid them all. Now they are telling me my new monthly mortgage payments will be {$2100.00}. I filed a petition for the payments to be reduced back to my original amount of {$1200.00}, which they refused.
Product: Checking or savings account

Around XX/XX/XXXX, I went to open A bank account with the Navy Federal credit Union this is not my first attempt when I first attempted to do a membership with them I found out someone did fraud in my name without me knowing I went through all demographics to clear up my name seeking membership I was denied without an explanation. I gave it a while and I reapplied, XX/XX/year>. I drove to the facility with my proper government issued ID, Social Security card and also a recent bank statement to prove my identity witch is some of the materials they asked for, it was submitted I was told to call three days later to check the account it was pending. I called back Friday The representative stated the account was Permanently blocked from doing any type of business with me! I checked my mailbox and I found a letter from them asking me to, provide the same information again so I reached out to the facility. the first representative I spoke to Clearly came and told me I have an account please put me on hold for 45 minutes. Another employee came on. I explained the situation again which was put on hold for another 10 minutes to my surprise she came back on and stated that I was permanently blocked from doing any business with the Navy Federal credit Union without an explanation I provided once again all documentation that was required and still could not get an explanation on why I was denied! I was not granted access to open an account family member served in the military gave me the rite do apply by him serving and having an honorable discharge.
Product: Credit reporting or other personal consumer reports

I applied for a loan modification with XXXX XXXX in XX/XX/2023 after being XX/XX/2023 Throughout this process, I was repeatedly assured that I did not need to make my monthly loan payments, as the modification approval would bring my account current with no late fees or penalties. 

However, the process was significantly delayed, and communication was minimal. Despite my repeated emails requesting updates, I was passed from representative to representative, receiving little to no support. Each time, I expressed my concerns about potential credit damage due to the missed paymentspayments I was explicitly told not to make. I was repeatedly reassured that these would not be reported to collections. 

Despite these assurances, my loan was reported to collections, resulting in a severe negative impact on my credit score, which dropped nearly XXXX points. As soon as I became aware of this, I took immediate action and paid nearly {$3000.00} to bring my account current. Since then, I have made every payment on time, yet my credit report has not recovered. 

I am requesting immediate assistance in resolving this matter. Given that I followed the instructions provided by XXXX XXXX in good faith, I ask that you work to remove this negative mark from my credit report. Please let me know what steps can be taken to correct this situation as soon as possible. 

I appreciate your prompt attention and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX  card was opened under my name on XX/XX/2022. I have never authorized or made any transactions or applied for any type of credit with XXXX. According to the credit bureaus, the card in question was opened with a $ XXXX limit, used once for {$99.00}. When I received the alert, I called XXXX and they cancelled the card but this item was never removed from my credit report. I am a victim of identity theft and I need this investigated and corrected as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I spoke with a representative from TransUnion  CS rep   XXXX  on :  XXXX   XXXX     2017 at   XXXX   XXXX  and explained to her I was a victim of their inquiry issue and to no avail would she help I insisted that these did not belong to me and nothing or no information was given to properly help me and I am extremely upset about this I want to be able to move forward and stay on track with my credit and this representative would not help and take care of my negative inquiries. Customer service was extremely poor and rep offered no resolution or assistance.
Product: Checking or savings account

On XX/XX/2022, Bank of America placed a hold on my account, in the amount of {$880000.00}, in error. They were attempting to solve a problem that was already solved 30 days prior. The error caused many transactions to be declined, items were returned, and fees were incurred. 

Bank of America has refused to acknowledge their mistake, nor will they agree to reimburse me for the fees incurred, as a result of their error. This error has caused harm to reputation, I did not have access to operating capital for two days, and I was late processing my company payroll. 

Please see the attached documents with the full details, and proof of my claim.
Product: Debt collection

In XX/XX/2021, I started to address my credit and several issues on it. CBS reported 4 collection accounts from XXXX XXXX XXXX, all have XXXX XXXX. I disputed these collections twice through XXXX  and mailed 2 direct furnisher dispute letters to CBS, both went unanswered? I have very good insurance through XXXX XXXX KY and wanted to make sure all medical billing was correct and I truly did owe these amounts. Plus I wanted to make sure these 4 supposed collections were not from one medical service and should only be 1 reported collection. But since CBS will not respond, these questions remain unanswered.
Product: Debt collection

I have sent 3 letters to Navy Federal asking them to provide me with documentation required by law with my signature showing I had some contractual obligation to pay them this alleged debt for {$6700.00}, they are reporting to the Credit Bureaus. They have refused to respond. I am also filing a complaint with the XXXX  and my state attorney general XXXX XXXX because I have documented proof they have violated federal and state laws. I have asked for validation associated with this account, bearing my signature. In the absence of any such documentation, I am formally requesting that this information be deleted from my credit files immediately. 

On XX/XX/2023 at XXXX XXXX Navy Federal signed for my XXXX letter requesting within 30 days to validate the account or delete it. They did not respond or delete the information. 
On XX/XX/2023 at XXXX XXXX Navy FederaXXXX signed for my 2nd letter, informing them by not replying in a timely manner ( 30days ) to my initial letter dated XX/XX/2023, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
On XX/XX/2023 at XXXX XXXX. Navy Federal signed for my 3rd letter informing them they also did not mark the account as being " disputed '' required within 30 days under federal law.

FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item.
Product: Credit reporting or other personal consumer reports

Im asking for your help with this incorrect account being reported on my credit report. Ive reported this because its been damaging to my reputation, and I need your intervention. Your poor management of my credit report has put me in a very tough situation, and the false reporting has ruined my reputation. You need to correct these mistakes so I can regain peace with my family.
Product: Mortgage

My home when into foreclosure because i lost my job and would no longer be able to make my payments. The servicers of my loan XXXX XXXX XXXX XXXX loans said I could give the house back to the bank and they would give me {$3000.00} if I left the house clean and complete. I agreed to this cash for keys settlement with Bank XXXX XXXX XXXX loans on XX/XX/XXXX. The bank told me that they would have there attorney write up the contract. I was told to empty the house because this deal would be done around 45 days. I was told to make sure I do not take any of the appliances ect out of the house or I will not receive XXXX. I cleaned and left the house, just like they asked me to. I left it clean and ready for them to take over. It took there attorney XXXX XXXX XXXX at Brock & Scott PLLC,XXXX XXXX XXXX XXXX XXXX, XXXX Fl XXXX till XX/XX/XXXX to have me except the terms and to XX/XX/XXXX to write the contract. I wrote, called, emailed the banks and there attorney over and over to ask them to please hurry with this cash for keys, because I was worried about people breaking in and people stealing things. It is now XX/XX/XXXX. I have wrote more letters, emailed, and called the banks attorney asking to finish this. There has been several break ins and the bank charges me {$740.00} for vacant house fees and other quarterly fees. I believe there attorney is dragging this on as long as he can so he can adds up all his monthly legal fees and than try to get a judgment against me to collect these fees. There attorney could have filed all the papers ect to finish this deal in 1 day. Instead its over 8 months and counting. There oral agreement was that it would 45 days. Yet they will not complete the written contract to give back he house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.
Product: Debt collection

I was not aware or notified of the alleged debt until my credit was pulled for the new apartment i applied for.The highest balance according to the report on my credit is {$5200.00} and the balance is $ XXXX immediately contacted the collection company IQ DATA INTERNATIONAL on XX/XX/XXXX and spoke to XXXX asking him to provide me a written statement for the debt. I asked him to send it to my email which he refused to do. I gave him my address instead to mail the statement to which he reluctantly took. I asked him when should I be expecting the statement and his replied was I do not work in the post office. According to the law, they should provide me with the statement within five business days. I called back on Monday I spoke to a lady which refused to give me her name, she said I would get by Friday, but when Friday comes I did not receive any mail from them. The effect of this debt have lower my credit score and lost two  apartments I applied for including the application fees. The original creditor is XXXXXXXX XXXX XXXX, which I rented a one bedroom apartment for $ XXXX  monthly rent between XX/XX/XXXX and XX/XX/XXXX. I asked them if they can provide me a statement of my rent payment history while I was living in their apartment. The accountant in charger XXXX told me that he could not find anything on my name but they also refused to provide my account statement while living in their apartments. Prior to me moving in in XX/XX/XXXX, I paid a three way rent of {$2400.00}, the first and last month rent and down payment. I moved out at the end of my lease and never received back my any portion of my down payment. I do not know what the alleged debt was for. i was never evicted or notified or provide any documents that show why i am own them the huge amount. Since i did not receive any written statement from IQ DATA, I will be sending them a written letter of dispute.
Product: Credit reporting or other personal consumer reports

EXPERIAN HAS FAILED TO REMOVE XXXX NEGTIVE ACCOUNTS REPORTING ON MY CREDIT THAT SHOULD NOT BE ON THERE, 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 XXXXXXXX XXXX XXXX  XXXX. I HAVE CALLED AND PROVIDED EVIDENCE TO EXPERIAN EXPRESSING MY CONCERN OTHER XXXX  HAS DONE THEIR INVESTIGATION AND DELETED THESE ACCOUNTS OFF MY PROFILE AND BY LAW MY CREDIT REPORT WITH ALL XXXX  MUST BE CONSISTENT AND ACCURATE. EXPERIAN IS THE ONLY XXXX REPORTING THIS INACCURATE INFORMATION DISPUTE DISPUTING THIS NUMEROUS TIMES. I WILL SEEK LEGAL ACTION DUE TO THE DISTRESS OF THE INACCURATE INFORMATION