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

I've called the company motolease on multiple occasions since XX/XX/XXXX to start to resolve this issue of obtaining a lien release for a motorcycle loan that's been paid off for years already. I was told I would be called back with more information. 

Called XX/XX/XXXX, request same information. Was told I would be called back by title officer with information. Nothing. 

Called XX/XX/XXXX again requesting information. I was told titling officer would call.

I received a call and titling officer said she could potentially setup a I public notary to get the lien removed. Waited a few days, nothing.

Called again and was told the titling officer was only part time and could only work with me on her time. That they would reach out to her to reach out to me.. 

No call back since from company and I have called back multiple times regarding. 

In total outgoing calls : 7 times with no success or resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

As for credit reporting, apparently only XXXX has reported two debts : XXXX XXXX  XXXX which is the original creditor in the amount of {$1300.00} and XXXX XXXX XXXX  XXXX XXXX  which is the original creditor for the amount {$1200.00}. However, XXXX XXXX XXXX have established that they now have authorized, active collection authority for XXXX. 
Under CRA guidelines, XXXX should delete their reporting, even though they now own the debt, as they are no longer the active debt collector. XXXX XXXX XXXX is has settled with XXXX XXXX XXXX for these two accounts and being paid every month until paid in full. 

I have on numerous occasions disputed this and nothing has been done. I also have a collection that has been paid off and still showing on the credit report as high impact. Please delete this account. It has been satisfied. 

At this time whatever credit that I had is currently under the auspices of XXXX XXXX XXXX XXXX which is a debt collection company, that settles your outstanding debt and is being paid monthly. Thank you/
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX, on XX/XX/2020 has violated my rights. 

15 USC 1681 section 604 A section 2 : It also stats a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1,66B. A creditor may not treat a payment on an account under and open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Credit Reporting Violations and Request for Compensation Dear CFPB Team, I am writing to formally dispute inaccuracies and violations on my credit reports from XXXX and XXXX. These reports contain unauthorized inquiries and account reporting errors that significantly damage my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I demand immediate removal of these inaccuracies and compensation for the violations caused by these erroneous entries. 

Accounts with Violations XXXX XXXX XXXX Account Number : XXXX Violation : Inaccurate high balance reporting ( {$630.00} vs. {$600.00} limit ), inconsistent utilization percentages, and failure to validate negative reporting. 
NAVY FEDERAL CREDIT UNION Account Number : XXXX Violation : Overstated utilization above 102 %, charge-off status reported without proper notification or validation. 
XXXX Account Number : XXXX Violation : Duplicate late payment reporting and failure to validate derogatory entries. 
XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Violation : Charge-off status reported without verification or adherence to dispute resolution protocols. 
DEPT OF ED/XXXX  Account Number : [ Account Number Hidden in Extract ] Violation : Reporting late payments without validation or notice. 
Unauthorized Hard Inquiries The following hard inquiries were conducted without my knowledge or consent and are not tied to any open accounts : 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  Inquiry Date : XX/XX/XXXX Violations Identified XXXX Unauthorized Hard Inquiries XXXX Accounts with Reporting Errors Compensation Requested Under the FCRA, I am entitled to {$1000.00} per violation. Based on XXXX violations, I am requesting a total compensation of {$10000.00} for the harm caused by these errors. 

Demands for Resolution Immediate Deletion of Inaccurate Information : Remove all inaccurate account details and unauthorized hard inquiries from my credit reports with XXXX and XXXX. 
Updated Credit Reports : Provide updated credit reports reflecting these corrections within 30 days. 
Written Confirmation of Actions Taken : Send a written confirmation of the deletions and steps taken to ensure compliance with FCRA guidelines. 
Compensation Payment : Issue a compensation payment of {$10000.00} as outlined above. 
Notice of Further Action If my demands are not addressed within 30 days, I will escalate the matter by filing additional complaints with regulatory bodies, including the FTC, and pursuing legal action for damages exceeding the requested compensation. 

I urge your team to address this matter promptly to prevent further harm to my credit and financial standing.
Product: Checking or savings account

On XX/XX/XXXX, I e-deposited a check for {$200.00} from a trusted source into my checking account at Axos Bank. I received a confirmation e-mail from the bank stating that my funds would be available 5 business days after the date of deposit. When I sent an email asking why at least the first {$100.00} of my deposit was not released the next business day after deposit, the bank responded that my funds would be held until XX/XX/XXXX. 

It is my understanding that federal regulations require that banks make deposited funds available within a reasonable time, and in most cases require banks to release the first {$100.00} of deposited funds available on the first business day following the day of deposit. 

Axos policy of arbitrarily holding deposited funds for 5 days or more, regardless of the amount, source, or the evaluated risk of the deposit, is not " reasonable '' within the meaning of federal banking regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days
Product: Checking or savings account

Prior CFPB complaint not addressed, Truist Bank supposedly mailed reply to me, nothing received to date. Their reply provided contact info which does not address complaint, their contact does not accept or return calls, a XXXX XXXX. It appears Truist Bank will not reply directly to CFPB, appears attempting to circumvent by providing contact info. Additional complaints marked as duplicate to avoid CPFB portal and also addressing them. This pertains to a mobile deposit made on XX/XX/2018, the amount of $ XXXX.The full deposit was made available next day on XX/XX/2018 after calling in, inquiring about availability. It appears Suntrust reps, now Truist Bank, failed to verify funds before releasing them. The check, a closeout check from XXXX XXXX, later returned due to stop payment placed which I was not aware of prior to deposit. Account became overdrawn, sent to several collection agencies, mostly recently, XXXX XXXX XXXX which was sued for their collection tactics. Truist Bank continues to attempt to collect, despite their own error in releasing funds without verifying Since this their own error, I request Truist Bank remove account from credit reporting, cease from collection activity. Complaints marked as duplicate will be investigated by CFPB.
Product: Student loan

Mohela should be put out of business ASAP! Horrible and incompetent reps who give you bad info, no info, oe simply hang up you. You have to listen to 10 minutes of directions s when you call, just to be put on hold for 2 hours and speak to a rep is no help at all. I've called, sent letter, and sent messages through their portal. It's mentally and emotionally exhausting. Most items are time sensitive, yet they intentionally make it hard to get help. 

I used to be with XXXX XXXX and they had me fill out an opt out form called " School Related Deferment Waiver Form ''. It is attached to this email ( uploaded form/doc ). Unfortunately, although they told me on the phone they received it, it somehow is on and off on my account. I asked to be on forbearance due to economic hardship followed by my XXXX XXXX XXXX going through multiple surgeries a couple of months after submitting this form. There NEVER should have been any automatic updating to in-school status. I was a single mom very adamant about communicating my needs with XXXX and disappointed this wasn't taken care of. 

I just got off the phone after being on hold for 2 hours and then was hung up on by your rep. She also had no clue about consolidations, buyback process, nor forms being uploaded. I assume thats why she hung up. 

Looks like the had it correct from XX/XX/XXXX through XX/XX/XXXX. It then dropped off again from XX/XX/XXXX all the way through XX/XX/XXXX. It shows up again XX/XX/XXXX through XX/XX/XXXX and one last time from XX/XX/XXXX through XX/XX/XXXX. 

I am requesting that the following periods of in-school deferment for all of my loans be waived/adjusted and instead retroactively placed in economic hardship as originally requested per my original waiver form sent XXXX ( attached ) as originally requested : XXXX through XX/XX/XXXX ( 10 months ) XXXX through XX/XX/XXXX ( 3 months ) XXXX through XX/XX/XXXX ( 10 months ) Thank you so much.
Product: Prepaid card

I am writing to express my frustration regarding my American Express gift cards. I received one {$100.00} AMEX gift card and an additional {$50.00} gift card that can not be used anywhere! Despite multiple attempts, I have been unable to use the card for online and in-person transactions.

Here are the details of the issue : Online Transactions : I have tried using the card at various online merchants. The transaction was declined each time even though the card had sufficient balance. I ensured that I entered all details correctly, including the billing address associated with the card.

In-Person Transactions : I also attempted to use the card at physical stores, but the transactions were similarly declined. The store clerks confirmed that there was no issue with their payment systems.

Balance Verification : I have checked the card 's balance multiple times, and it is sufficient to cover the transactions I tried to make.

This has caused significant inconvenience, as I intended to use the card for. I would appreciate it if you could investigate this issue and promptly provide a resolution.

If additional verification or action is required from my end, please let me know.

Thank you for your attention to this matter. I look forward to your response. 

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

I am not liable for this debt with charter communications, they did not provide me with the original contract as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

checking my credit profile ive notcied alot invalid information that is hindering my credit profile. I am intrested in disputing all incorrect data. all credit reports are not 100 % accurate. please update the information submitted asap.
Product: Credit card

I applied for a secured credit card in XX/XX/XXXX First Progress Mastercard. I was approved and they have a program where a consumer can expedite recieving their card and fund the card within 90 days of receiving the card ... for a cost of {$29.00}, which i paid. The only thing i have received are emails and text messages letting me know that my time limit to fund is about to end. It is XX/XX/2017 and i have yet to see a card, i called First Progress and spoke to a customer service representative named XXXX, whose only concern seemed to be me giving them money to fund, before the time limit ends on XX/XX/2017, a card whch i have not received. I told him that i would not be funding anything and that i would filing complaints with the better business bureau. A friend told me of this agency so i decided to file a cpmplaint hete as well. In my opinion, this company is ripping people off and committing fraud.
Product: Credit card

I WOULD LIKE TO MAKE A CREDIT INQUIRY, DISPUTE, AND COMPLIANT AGAINST NAVY FEDERAL CREDIT
UNION.THEY ARE XXXX XXXX XXXX XXXX XXXX XXXX  , AND e
GRUDGE HOLDING XXXX OF THE HIGHEST ORDER. I WILL NEVER LET THIS GO UNTIL THE END OF TIME. I
WILL NEVER FORGIVE THEM IN MY HUMAN ADULT LIFETIME FOR THIS XXXX  ACT. UNTIL THIS IS OFF MY
CREDIT REPORT ASAP. I HAVE A SPOTLESS CREDIT FILE. THIS MAKES NO SENSE. THIS XXXX  AND XXXX
COMPANY FULL OF XXXX XXXX  WHO XXXX XXXX PEOPLE AT ALL COST AND SUPPORT XXXX XXXX  WITH XXXX DECEIT AND CRIMINAL ACTIVITY. I HAVE A 20 YEAR 100% XXXX XXXX XXXX XXXX AND HAVE A SILVER STAR AND NUMEROUS OTHER AWARDS , I DO NOT OWE THEM
ANYTHING. IM ASKED THEM REPEATED TO SHOW ME THE PRINCIPAL AMOUNT OWED TO NO AVAIL.
THE ALLEGED AMOUNT I OWE IS NOTHING BUT XXXX  ILLEGAL FEES INTEREST AND COMPLETELY FALSE
MADE UP CHARGES OUT OF THIN AIR. THE SOLDIERS AND SAILERS ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APPLIES THIS WAS A SECURED CREDIT CARD. I OWE THEM NOTHING. I WILL SUE FOR
DAMAGES FOR XXXX  AND XXXX  DISCRIMINATION, .AS WELL AS THE AMERICAN WITH DISABILITY ACT.
STOP THE MADNESS. PLEASE FULLY INVESTIGATE THIS WITH ABSOLUTE PROOF.
NAVY FEDERAL CREDIT UNION
XXXX SECURED CREDIT CARD
OPENEDXX/XX/XXXX
CLOSED
CHARGE OFF
CREDIT LIMIT XXXX  PAST DUE XXXX
REVOLVING
INDIVIDUAL
SECURED CREDIT CARD
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 ( a ) section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts were deleted and has been put back onto my account. AS a result, I requested in XXXX and again in XX/XX/XXXXfor Trans Union to delete the reposted accounts. Or, furnish me with the actual documents they have and used to substantiate the validity of the erroneous accounts. The accounts were initially deleted due to identity theft. {$1000.00} & {$120.00} were deleted by XXXX XXXX. 
I have requested once again for Trans Union to provide me with proof per FCRA of the documents they used to substantiate the reinstatement of these accounts and to date I have not receive any evidence.
Product: Credit reporting or other personal consumer reports

My closed paid in full student loans ( closed two years ago through PSLF ) keep reappearing on my credit bureau as open accounts. They appeared on my Equifax again this week. I have spent hundreds of hours on the phone with XXXX and made half a dozen requests to correct my account with credit dispute requests which are denied as correct by XXXX for some reason, even though accompanied with screenshots of my paid in full accounts and pslf forgiveness letter.
Product: Credit reporting or other personal consumer reports

This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

This is my third complaint on wells fargo. They are not answering my questions through here and keep closing the case. I am going to continue to file complaints until they are held responsible. They " suppressed '' reporting my vehicle payments on my credit until I had to extensively fight for it. And the still have no valid reason to why? Are banks not held accountable for this information any more? I am not taking either of their previous two responses as a answer. They ignored phone calls and written letters of mine. and only responded when I got the CFPB involved and they keep giving XXXX answers that are unexpectable. Why was the reporting withheld?! How can a company purposely harm a consumers credit and not be held responsible and not tell said consumer why? And avoid answering questions? 
NOTE previous two attempts to resolve this matter XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I noticed late payments. Despite sending letters over 30 days ago, I have not received a response, and I have not received satisfactory validation. I kindly request your assistance in resolving this matter.
Product: Credit card or prepaid card

Gift Card Debit Visa - card issued by U.S. Bank National Association. company internet address URL XXXX XXXX XXXX XXXX  XXXX. I purchased this prepaid debit visa gift card for {$50.00} and a {$4.00} activation fee with cash from XXXX XXXX on XX/XX/22. All attempts to activate the card failed. I went back to XXXX XXXX with the receipt, and they indicated they could not refund the money, but they attempted to help me by calling the number on the back of the card. Each time a person was reached they would indicate that we had to call a different number. After 1.5 hours we were disconnected so I went home. The next day I called the number that we were last given. The person which finally attempted to help told me that the number on the card is not a valid number. They then asked for the last eight digits on the back of the card. After providing I was told that the number was not valid. I asked if I could give then the full number on the back of the card, the transaction information from XXXX XXXX and they said no that would not work. They indicated my only option was to fax an image of the card ( front and back ), provide a copy of my driver 's license, provide my telephone number, and my email to a number they provided. I am unwilling to fax my personal identifying information to an unknown number due to concerns over identity theft. I asked if they had a secure web site so that I could upload the information and the response was no. I asked why the fax number was not listed on their web site and the person did not know and I also looked can could not find any indication of a secure fax number. I would like for either the cash to be refunded {$54.00}, or a new valid {$50.00} card to be issued without being charged another activation fee ( as I have already paid the {$4.00} fee ). I would also recommend they create a secure web site for the transfer of information they are requesting and that it be made visible on their web site for information they are requesting. 
I can upload a copy of all transaction information to the CFPB website upon request, if the CFPB would like a copy as I know the CFPB has a secure web site.
Product: Debt collection

On XX/XX/2019 XXXX XXXX agreed to a settlement for a debt in the amount of {$6700.00}. They agree to debit my account XXXX on record from the XXXX XXXX XXXX XXXX. According the document supplied from XXXX XXXX XXXX XXXX they never attempted to withdraw funds on any of the dates according the agreement they prepared and agreed too. I recently found out the account was sold to Jefferson Capital Systems , LLC for {$19000.00} and it's being collected on their behalf from XXXX XXXX XXXXXXXX XXXX XXXX Now both XXXX XXXX and Jefferson Capital Systems , LLC are reporting me to all three credit bureaus in the amount of {$19000.00}. As a consumer both companies are trying to take advantage of me on behalf of the lender XXXX XXXX XXXX. I want this remove from all three credit reporting agencies and to consider this debt satisfied because I kept my agreement but the collection debt holders broke the agreement.
Product: Credit card

I ordered a XXXX from XXXX and went to return it. They sent me a label that I was having issues with and an email saying I had up until the XXXX of XXXX to send in the XXXX. They sent me an email on the XXXX of XXXX saying my case was closed without anymore explanation. Also to add to that, XXXX has a 30 day money back guarantee and I had started the return process on the XXXX of XXXX so I should have had until the XXXX of XXXX. Regardless I sent in the XXXX prior to the XXXX, the date they originally told me to send the XXXX by. The XXXX arrived and I will send proof of all of this as well. I was never able to get a refund from them and I contacted PayPal as I had paid with PayPal. I submitted the dispute wrong and filed it under unauthorized payment in misunderstanding and PayPal refused to refund me as well. I contacted my XXXX XXXX credit card bank to refund me and they gave me a pending credit which they took back and said they needed more evidence to respond back to XXXX. I submitted all the evidence and each time theyd tell me to submit more evidence for different reasons and that it was not efficient to respond to XXXX with until they finally told me that the case was closed and they will not be giving me any credit or refund.