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

Due to current market situation I decided to buy out my lease. I decided to go through my personal bank and obtain the loan. I mailed the check to Hyundai Motor Finance which was cashed. I called them almost a month after it being paid off with questions on why I havent received my title. They then told me I had to request the title to be sent out. I requested the title to be sent to my XXXX XXXXy address since it was more convenient at the time. I called twice to make sure the title was sent to my XXXX address and was assured that it would. XXXX month later still no title at my XXXX  address or XXXX address. They also told me that the title needs a signature or else they carrier will not deliver it which would then be returned to Hyundai and they can re send it. That never happened. asked Hyundai to escalate my case and have not heard from them since. They want me to mail them a letter with money in order for them to send me another title. Every time I give them a call, I get the run around and I am OVER IT. I need my title!
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 under 15 USC 1681. 
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 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 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.

15 U.S.C, 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 section 2 : It also states that a consumer reporting agency can not furnish na account without my written instructions.

15 U.S.C 168c. ( a ) ( 5 ) Section states : No consumer reporting agency nay make any consumer report containing any kind 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.

18 U.S.C. 1681.s-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, credit repair services, or other personal consumer reports

I have a pending complaint to Equifax filed thru CFPB   XXXX  . Their response was addressed to a certain   XXXX   XXXX  , not for me :   XXXX   XXXX  . Are they really working on my c/o. Or did they send their response for me to   XXXX   XXXX   and vice versa. Please see following " copy and paste '' " STATUS '' Company responded o n  XX/XX/XXXX  R ESPONSE TYPE Closed with explanation Company 's Response " Dear   XXXX   XXXX  , we received the complaint you submitted through the Consumer Financial Protection Bureau Portal. Equifax has reviewed the complaint and its records. MO FED BK   XXXX   XXXX   account   XXXX   was verified by the data furnisher with your name, current address and social security number. Written confirmation has been sent to you. Please allow 7-10 business days for delivery. If you have documents that release you from these obligations, please forward them to Equifax Disputes,   XXXX   XXXX   XXXX    XXXX , GA  XXXX  or you may visit us at www.equifax.com ''.
Product: Student loan

I completed 120 months of federal employment in XX/XX/year>. I submitted employment verification in XX/XX/year> and federal student aid ( department of education ) certified 115 months of employment and payments. The remaining 5 payments were not counted due to the SAVE forbearance. I requested a buyback agreement in XX/XX/year> to buy the 5 months of payments. I have not received the agreement.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX hired an attorney, XXXX XXXX XXXX, to collect on an auto loan that had a remaining balance after the car was totaled. I paid the balance as agreed almost 2 months ago. XXXX XXXX continues to report to the bureaus that I owe a balance of {$4800.00} when the balance is paid in full ( I paid {$6500.00} via wire to their attorneys- this included a host of unfair fees as well ). 
When I called XXXX XXXX, they are refusing to update my bureau because their attorneys that THEY hired to represent them has not sent the funds to them yet. I've spoken with XXXX people at XXXX XXXX and XXXX person at XXXX XXXX XXXX. They're all saying my report will not be updated until the attorneys send the money to the client. My question is, what if their attorneys decide never to send the money or files bankruptcy? XXXX XXXX at XXXX XXXX responded " I can't answer that ''. This is unfair and unacceptable. They are reporting incorrect information to all XXXX bureaus which is impacting my ability to obtain credit. They've updated the report with the wrong info twice since receiving payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX # XXXX Paid As Agree XXXX # XXXX XXXX  CARD # XXXX No Category XXXX  # XXXX XXXX CRED XXXX XXXX XXXX CRED # XXXX XXXX CRED # XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. C CODE1681 ( b ) and 1681c-2 I never gave a written consent to report accounts that are identity theft. 

I have asked for Method of Verification or signed documents with my signature on it from all credit Transunion, XXXX and XXXX after the dispute results stated that the account verified it belong to me. They have failed to show verification. 

I have attached my FTC report stating these accounts were open by fraud and made a police report as well.
Product: Mortgage

XXXX XXXX and Freedom Mortgage are not transferring my funds to make my mortgage payment. My account has been ignored more than twice and no one is taking responsibility. I have spent so much time on the phone and they insist on ignoring my issue. I feel threatened. I feel like they want to obtain a foreclosure on my property and want to see another late charge adding to my account. My credit score has gone down, and I 'm late on paying my mortgage because neither Freedom Mortgage or XXXX XXXX want to be held responsible for retrieving my funds. My mortgage funds I requested that Freedom Mortgage to retrieve are still in my account, and they have sent my issue to the credit bureau and are claiming I have n't made a payment while they are ignoring every call I have made. I 've owned my home since 2004, and I have n't been late making a payment until lately when Freedom Mortgage is taking care of the payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I recently reviewed my account. I noticed an account that was not reporting accurately.it shows that I have one late payment, that Im certainly know I made the payment on time.the consumer reporting agencies need to report all information with complete accuracy. I have a strong on payment history and will not risk it. Ive attached a copy to this complaint on XX/XX/year>. I am now requesting further investigation and provide verifiable proof with records showing that I had a late payment. If this information can not be verified, please update payment to pay on time immediately.thank you for your understanding and prompt action.
Product: Vehicle loan or lease

I had a loan with CarMax and traded back the vehicle after 3 years. I asked them many times about the finance charges shown under account details and transaction history. I didn't get any satisfactory explanation and still wonder what it is the first and the second on the loan. After trading the car, it was done, I asked about the guaranteed asset protection XXXX XXXX and should they send me a check for it? I remember I paid it up front. A check was promised but never come. I changed my address but I also gave them my new address, and I have a mails forward as well.
Product: Money transfer, virtual currency, or money service

In 2023 I was scammed out of {$250.00}. I reached out to Cash App via the support chat, and they never gave me a solution to my problem.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was approved for a personal XXXX  loan from XXXX. Under XXXX I made all on-time payments and at this time, this loan never was reported to the credit agencies as was the understanding from XXXX when I took out the loan. Also, there was no indication in the loan documents that this loan was going to be reported to the credit agencies. On XX/XX/XXXX, XXXX transferred ownership of the loans to XXXX XXXX due to XXXX going out of business. During this transfer, I lost track of the payment cycle as my automatic payment was canceled due to the transfer. In XX/XX/XXXX, I was informed that I missed payments and I worked with XXXX XXXX XXXX to settle the account which was now under the control of XXXX XXXX, which I was never informed of this transfer. The account was settled on XX/XX/XXXX and at this point had still not been reported to any credit agencies. In XX/XX/XXXX, after monitoring my credit, I noticed this account was now showing on my XXXX credit reports and thus had a negative effect. I have asked XXXX XXXX to remove the account from its reporting and they have replied they are obligated to report it. It seems detrimental to the consumer that XXXX XXXX only reported this account once it was determined to have a negative outcome. The lack of reporting also contributed to my delinquency for payments, as I used my credit report to track my outstanding loans. XXXX and XXXX XXXX did not report this account for 20 months and it only was reported when it had a negative effect on my credit. Also when reported, XXXX XXXX put the date of closing as XX/XX/XXXX and XX/XX/XXXX and not the date when the account was settled and paid off. This business seems very predatory in that it seems to only make reports to credit agencies when it is detrimental to the consumer.
Product: Checking or savings account

I have filed several complaints about Wells Fargo about missing funds. Each time their response is please provide us with dates and amounts of transactions. They even sent me a letter via postal mail. Each time I tell them I am unable to provide dates and amounts. I in the past was on the phone with a representative of Wells Fargo admitting in a phone conversation that there were missing funds. I asked if they could provide further information and they were unable to do so. I 've looked through everything even years back before any missing funds and I am unable to see dates and amounts. I request Wells Fargo go and look into my accounts maybe one of their accountants may be able to find the needed information
Product: Money transfer, virtual currency, or money service

On XXXX my credit card, cell phone, and car was stolen. I reported it to XXXX Police and all of the unauthorized transactions that were made on my Cash app account. Since XXXX I have been going back-and-forth through email correspondence with the Cash app dispute team about the unauthorized transactions that Cash app is refusing to reimburse me for. In the amounts of {$6000.00}, {$1000.00}, {$40.00}, {$40.00} and {$200.00} ( supporting documents attach ) There was other transactions made but I was able to recover payment from the merchants but these are the only five transactions that Cashapp will not support reimbursement for these transactions due to the transactions were made off of the device. Cashapp is refusing to repay me for these transactions because of the excuse that they are using is that the transaction were made off of the device I attach the police report from the authorities to provide proper documentation proving that the device was STOLEN and these transaction are and were UNAUTHORIZED. Also since XXXX my account information has been compromised more than two times and Cashapp had to re-issue me 2 new cards because all the personal information and email attached to my account was changed to the hackers fake email and all my new information was being sent to the hacker email. On XXXX and XXXX Cashapp piped my account because another device was attached to the account which is how the other Unauthorized transactions were being made after the XXXX when the device was stolen. There definitely is a security breach. ( Police report attach ) ive been trying to get this issue resolved with Cashapp and have not had any success due to the fact the dispute department only correspond via email. Cash app also told me to reach out to the people the money was sent to too try and get reimbursed. The problem is my credit card and cell phone was STOLEN. Which is why I call to report this to Cashapp to prevent unauthorized transactions and a big situation from happening but NOTHING WAS DONE. My life savings are all gone. I would like to get paid back the money that was stolen from me. I also have attached emails that I received from Cashapp giving no explanation of Why this claim was denied. Cash app reimburse me for all of the unauthorized transactions that were made prior to these ones and also the ones that were made after these denied claims. I want my money back and answers on how My account was hacked and information breached two more times after the initial complaint was made. My device was stolen, credit card, and car and over total of {$9000.00} was stolen and I still have not been able to get the XXXX reimbursed. I would like a written explanation. I would like to be paid back my money
Product: Credit card or prepaid card

I received a Cash App XXXX XXXXXXXX  card that I did not request via USPS on XX/XX/2022. 
A form of my name is printed on the card, along with what appears to be a username for a Cash App account, which I do not have. I believe a fraudulent Cash App account has been opened using my identity to allow criminal mobile phone payment activity to occur. This XXXX XXXX card is a compliment to the mobile app account that was fraudulently opened and I only discovered this because it was sent to my home address. I contacted Cash App Support on XX/XX/2022 at XXXXXXXX XXXX and spoke with a Customer Service Rep regarding this suspected fraudulent activity. During this difficult customer service call ( the rep had problems correctly recording my legal name and email and I did not have the impression of complete understanding of my issue ) I requested that the card and account be closed ASAP. She sent me an email with a link to upload photographs of the Debit Card to begin the process of disabling it, which I submitted on XX/XX/2022 at XXXX XXXX. Nothing was mentioned about disabling the associated fraudulent Cash App mobile phone account so that is one of the reasons I am filing this complaint.
Product: Credit card or prepaid card

I wanted to get a credit line for my bank of America cash rewards card. So i called their helpline via the number on the back of my card. 

The customer service rep clearly stated that when I apply online for the credit line increase that it would only be a soft pull. 

I mentioned to him that i did not want to request it if it was going to be a hard pull on my credit. He assured me that it would be a soft pull only. 

I checked my hard inquire report and it shows a hard inquiry on XXXX XXXX, 2017 I would like to have this removed as the representative gave me false information.
Product: Vehicle loan or lease

My power of attorney/Agent sent in an EFT payment to pay off the loan it also included a Power of Attorney. We certified mailed it on XX/XX/24 it was received by TD Auto finance on XX/XX/24. The EFT was accepted and the loan was paid, balance was {$0.00} and the account showed CLOSED on my online account. Then it was all reversed, no explanation, no letter, nothing? My Agent and I called TD they said they did not know why it was reversed. My Agent pushed the issue that they needed to send back the EFT if they would not honor it, and if they did not accept it then refusal was discharge. We were told we would not get the EFT back, but per our contract that would also discharge the loan. They said my Agent needed to call his bank, I responded that we gave clear instructions how to collect and if they did it correctly then Agents Bank had nothing to do with it and a few days later Agent got a copy of bank transactions and it clearly showed they claimed the EFT, possibly twice. TD tried to say they did not close account or zero the balance they could not see what my online account had shown for several days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 


XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/2021 Balance {$19000.00}