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

I purchased my vehicle at XXXXXXXX XXXX  XXXX XX/XX/XXXX and financed my car with them. I paid of my car on XX/XX/XXXX. I never received the title to my car. Toyota Financial Services told me to go to the DMV and get my title. They told me to do this and I went 3 times to get my Pink Slip. XXXX with Toyota Financial said she has made numerous calls and still can't get it. DMV in XXXX said that XXXX XXXX XXXX has the title and they are the ones that need to release the lien. I called XXXX XXXX XXXX   on XX/XX/XXXX and they said they would have the lien released. Never got it. I called XXXX XXXX XXXX on XX/XX/XXXX and XXXX said she would sent an email to the collateral dept to get the release of lien. Never got it. I called today XX/XX/XXXX and now XXXX XXXX XXXX said they don't have any records. I need your help!
Product: Debt collection

I have student loans for which I will qualify for the Public Service Loan Forgiveness program when meeting the terms of 120 on time payments to consolidated XXXX XXXX and working for a XXXX company during the time of those 120 payments ( 10 years ). I thought I had met the terms as of XX/XX/XXXX but found out my loans were not consolidated. At that time ( XX/XX/XXXX ), I was contacted by Ameritech Financial. I was led to believe I needed them to get my loans transferred to XXXX XXXX and consolidated. They also convinced me that in order to quality for the PSLF program, I needed them to keep documentation of my payments and paperwork needed, they told me this was one reason why I was turned down when applying for the PSLF because I did not have the 10 years of documentation.I believed they were a part of XXXX XXXX. They sent me forms from XXXX XXXX to get filled out ( Income Based Federal Form, General Forbearance Request Form ). I also had to send them Pay stubs, XXXX Tax return, bank routing information and signed releases to get my loans consolidated with XXXX XXXX.I was told everything was ready and beginning XX/XX/XXXX, I would be paying {$74.00} that goes to XXXX XXXX XXXX and {$99.00} that goes to my loan, then after 13 months the {$74.00} would no longer be needed to process all this and {$99.00} would be my loan payment.They also created my account in XXXX.

I recently received a letter from the FTC dated XX/XX/XXXX stating Ameritech is being sued or deceptive practices and outlined what I needed to know and steps I can take about it. I was devastated to say the least, I was mislead in a huge way and gave personal information to a company I thought was working on behalf of XXXX XXXX who has done nothing but steal my identity and my money for now 17 months.! I tried logging in to XXXX  to find out the security questions were changed and so I could not access my account. I called XXXX XXXX  and spoke to them and found out the {$99.00} that Ameritech set up as an auto withdrawal out of my bank account for 16 months was not going to my loan at all. I contacted my bank to stop the XX/XX/XXXX payment but they will charge me {$22.00} to do that and said if Ameritech ( XXXX XXXX XXXX ) changes a letter in the name ( XXXX  ) the money goes to or even the amount by a dollar, the stop payment will not catch that so the only way is to call them to stop the payments. I did call Ameritech but got an answering service to only be able to give a message and was told I would be called back in one or two days. The message I left was : to cancel my account, request a full refund and stop the XX/XX/XXXX and further payments to them. I made that call on XX/XX/XXXX - have not heard back yet.
Product: Debt collection

I am filing a complaint against XXXX businesses which have alleged that a check I presented to the XXXX XXXX XXXXXXXX XXXX  was returned for non-sufficient funds. 
Date of check was XX/XX/XXXX for {$150.00}. 
The businesses and the reason for my complaint are : TeleCheck Services, LLC- for failure to properly record that the check I presented for payment was paid by my bank XXXX XXXX XXXX XXXX XXXX XXXX and not returned for non-sufficient funds. Please see attached proof that payment did clear my bank. 
XXXX XXXX XXXX they are attempting to collect for a debt I do not owe. 
On XX/XX/XXXX I wrote to XXXX XXXX XXXX explaining that their client, TeleCheck Services, ( an affiliate company ) did not properly process the check payment and provided proof that said check did in fact clear my bank. 
37 days have pasted from XXXX  receipt of my letter ( see attached XXXXXXXX XXXX XXXX  proof of delivery ) I have heard no news. 
As per my letter XXXX XXXX should be required to complete the XXXX tasks I detailed in my XX/XX/XXXX letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

LCI Group consumer report has inaccurate information about my address. Its showing various address for me on the reports and this is not correct. Am requestiing proof and statement where it shows that those address only except the one I am sending documents are my address if not provided I am demanding that this be updated to my correct and only address. There are screenshot of supporting documents showing my correct and only address that should be reporting on any reporting agencys
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint and dispute regarding the inaccurate information reported on my credit report by Experian. I contacted Experian on XX/XX/XXXX to address the following issue, but to date, I have not received any response. I kindly request your intervention and assistance in resolving this credit reporting error. The details of the inaccuracy and the required correction are as follows : Account : XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} The account listed as XXXX  XXXX XXXX does not belong to me. I request that Experian remove this account from my credit report as it is not associated with my financial history or activities.
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized inquiry on my credit report this morning, and I have no idea why it's there. When I checked my report, I found unexpected discrepancies. I even tried refreshing my browser to see if it was a technical glitch, but the issue persisted. This situation has caused me great frustration, and I urgently request that the documents Ive provided be reviewed thoroughly so I can stop worrying about this matter.
Product: Debt collection

First time i noticed this debt collector that is not acredited by the XXXX with many negative reviews on XXXX appear on my report was XXXX this year. i immediately contacted them thru the mail. to ask for debt validation original contract and debt assignement if debt was purchased after discharge which is illegal. i never received any response. they illegally reported on my personal report and i do not know the, its a privacy act matter, as much as a fraudulent matter. im appaled they are on my credit, i want them off. they are causing me great deal of mental anguish and mental health is important. please delete this fraudulent account off my report at once. cease and desist. you have no permissible purpose if you do send account with wet ink signature indicating i have business with your specific company. i refuse to deal with third parties, its my right according to FCRA. privacy act
Product: Credit card or prepaid card

see attatched ID THEFT case XXXX XX/XX/XXXX USAA Rep XXXX CONFIRMS " YOU HAD NO FRAUD REPORT XX/XX/XXXX YOU HAD DISPUTES ** THEY WERE NOT IN YOUR FAVOR. see attatched CREDIT CARD FRAUD CLAIM LETTER dated XX/XX/XXXX CLAIM DATE XX/XX/XXXX {$470.00} CONFIRMS UNAUTHORIZED TRANSACTIONS DID OCCUR & TEMPORARY CREDITS MADE PERMANET. XXXX has finally explained WHY THERE ARE NO USAA CREDITS TO MAKE PERMANET. ( *** USAA DENIED MY RIGHT TO REPORT FRAUD XX/XX/XXXX. *** ) USAA HAS HELD ME LIABLE FOR FRAUD SINCE XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously written letters to notify you ( Kashable LLC ) ( XXXX ) ( XXXX ) ( XXXX XXXX ) of the innaccurate and unvalidated information. I recently received a copy of my ( XXXX, XXXX, XXXX XXXX ) consumer reports, and I noticed accounts reporting that are a violation of my rights. AS A FEDERALLY PROTECTED CONSUMER ; AS MY CONSUMER REMEDY FOR THESE WILLFUL AND NON-COMPLIANT VIOLATIONS. I DEMAND THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY. Kashable LLC Acct # XXXX Consumer Reports Reporting as Closed Account Pursuant to 15 USC 1681 a ( 2 ) ( B ) Any 15 authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be Excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which states, The term Credit Card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice '', Congress said ANY card. The credit card is my Social Security Card. This is the credit card used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.
Product: Debt collection

Violation of Hippa, Hitech regulations, unlicensed debt collector, no attempts to claim debt, just reports PHI on CRA 's site. Multiple complaint regarding the alleged debt w/ XXXX CA 's seemingly working together no proof of Associates Agreement w/ " original creditor '', on going investigation from Florida Department of Financial Regulation regarding collection activities of XXXX agencies. 
XXXX lost claim with XXXX, same claim submitted by " different '' CA ... if you look @ mail receipts from certified mail I 've sent same person signs for mail, They 've lost @ XXXX CRA, use different Company to submit same claim @ different CRA, never a direct attempt made to " collect debt '', just reporting to CRA 's is their tactic. 
Chief concern is HIPPA violations by original creditor, multiple breaches of privacy & security of PHI ( how many of these " low end '' agencies are going to end up w/ my PHI? ) Have filed complaint w/ OCR , FLoFR, next is asking Florida AG consumer affairs. multiple violations of fdcpa, facta, HITECH Breaches ... 
Investigations are warranted. They ca n't just shop this alleged claim from disreputable collector, another without end ... They 've lost their claim, how long do I have to put up with these XXXX getting away with this? ... asking the FEDERAL GOVERMENT TO ACT. IN THIS CASE! 










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Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft in the past and also another issue is that I've hired an attorney and sent a few different letters to the credit bureaus. Experian, XXXX, and XXXX need to remove the " XXXX XXXX '' CLOSED, negative accounts two in total from my credit report.

The other account that has been falsely reported on my credit is from " XXXX XXXX '' and this needs to be removed from Experian, XXXX, and XXXX.
Product: Debt collection

This is an attempt to nickel & dime me, this has been a problem for years. No one will return my phone call when they find out what has happen. This was an apartment I had while l in the military I never stayed in the apartment I was getting ready to XXXX  the apartment was for my return. This is a cleaning fee for a clean apartment. Liars ; at the time they said they found dog XXXX that is a lie I never stayed in the apartment I was getting ready to XXXX  to XXXX. I was hurt during training so I had to stay with a friend to take care of me until I was discharged from the XXXX. I even met with the maintenance man he cleared me, laughed because he said, well this is the easiest inspection I have ever had. I never moved in, this is on my credit report for {$320.00} dollars its a con.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc.

As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you.

In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ).

I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. 
I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. 
In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. 
I look forward to your immediate co-operation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is inaccurately reporting on my credit report. I have tried to dispute multiple times. They are using interest on this alleged account of mine. I keep requesting information in regard to the contract with my signature stating that the debt is mine and I agreed to pay them. They are also reporting as an open collection account when it is suppose to be closed and no interest accumulation on the alleged debt.
Product: Money transfer, virtual currency, or money service

Hello again, i have reached out in hopes to have help with paypal fraudulently holding my money. They have given reason after reason and have kept my money for over an entire year now. My lawyer is ready to sue and im trying to handle this the easiest way possible there has been {$8100.00} in my account being held since XXXX of XXXX when it was sent to me. Please help me i need this money for my family, i have bills like everyone else this is owed to me and at this rate even more for the year long wait.
Product: Checking or savings account

I have 2 accounts with Bank of America that were hacked into. {$980.00} was robbed from my checking account and {$2400.00} was robbed from my savings account. Both were fraudulent XXXX transfers to a XXXX XXXX. Bank of America had no business tranferring such large sums of money to such a dubious account. When I tried to resolve the problem with Bank of America typical hold times are 2 hours, and their initial response was to decline my claim. {$3400.00} is a huge amount of money for me as my only source of income is social security and a part-time job XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Emails to XXXX, Executive Escalations <XXXX> with Email subject Disputes of XX/XX/XXXX credit report and attachments Please find attached credit report for your ease of reference and resolution. 
1. I have never used XXXX XXXX. Please provide source of " XXXX XXXX '' contact information or permanently remove fraud from my report. 
2. I have lived without interruption at XXXX XXXX XXXX since XX/XX/XXXX. please correct. 
3. As I have lived without interruption at XXXX XXXX XXXX since XX/XX/XXXX please remove this fraud. 
4. As I have lived without interruption at XXXX XXXX XXXX since XX/XX/XXXX please remove this fraud. 
5. This statement corrects XXXX  XX/XX/XXXX credit report fascinating dishonesty. The XX/XX/XXXX 30 day late was authorized by XXXX XX/XX/XXXX email attached amendment to contract agreement, initialed by XXXX XXXX. 30-day late requires correction to OK, not late. The XX/XX/XXXX final payment 90 day late was authorized by XXXX XX/XX/XXXX email attached amendment to contract agreement, approval initialed by XXXX XXXX. 90-day late requires correction to OK, not late. XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX OKs verify loan overpayments, per XX/XX/XXXX amendment to contract agreement, of ( {$460.00} * 3 or {$1300.00} ). Result : untruthful charge-off. {$1300.00} refund awaited. Please reference attached XXXX XXXX XX/XX/XXXX removal of XXXX 's dishonesty. 
6. Please provide my documented authorization or immediately remove from my credit report. 
7. Please provide my documented authorization or immediately remove from my credit report. 
8. Please provide my documented authorization or immediately remove from my credit report. 
9. Please provide my documented authorization or immediately remove from my credit report. 
10. Please provide my documented authorization or immediately remove from my credit report. 
11. Please provide my documented authorization or immediately remove from my credit report. 
12. Please provide my documented authorization or immediately remove from my credit report. 
13. Please provide my documented authorization or immediately remove from my credit report. 

Respectfully :
Product: Debt collection

I have contact this company to validate the debt and have not heard from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were suspicious hard inquiries about my credit that I did not authorize. It happened XX/XX/XXXX and XX/XX/XXXX.  I was at work on those dates but I received a notification that there were changes on my credit report thats why I log in to my account. I saw that there were atleast XXXX hard inquiries from different companies that I did not authorize. That is unlawful and that is illegal viewing of my finances. I never gave authority to any body to view my credit, especially without my knowledge. It was for car loan credit inquiries. I went to XXXX car dealership in XXXX and spoke to the manager. I told the manager that they run my credit without my permission and I really wan na complain about it. I told them that its a serious matter for me and I felt very threatened and furious of what happened. It could be identity theft and I was so sleepless for two nights because of that. I was told by the manager that somebody represented me on my behalf and told them that shes my nom. They ran my credit without my consent for several times without even double checking and asking for my ID. I really felt that these companies violated my privacy and rights. I am so afraid and XXXX XXXX right now at the same time and I wan na take this in legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX  XXXX Balance : {$9300.00}
Product: Checking or savings account

Greetings, I have opened a checking account to consolidate and separate business from personal transactions for ease of documentation. 

I have made several transfers back and forth due to the consolidation. US Bank closed my account and stated that they would send me a check for the {$5000.00} dollars that was in the account by the end of XX/XX/2023. 

Not only have I not received the money, but I have been getting the runaround. I called customer service and was told that I needed to go to a branch. Not only was the account opened online, but there is no US Bank branch in Texas. 

I contacted XXXX branches ; XXXX in XXXX and XXXX in XXXX, and exchanged calls and emails with both branch managers who told me that they could not give me the money in the branch. 

Customer service stated that the money is in their XXXX XXXX account and can only be disbursed in a branch. 

My checking account number is or was : XXXX XXXX XXXX XXXX This has been going on for several months and they are refusing to give me my money. 

I am reaching out for help in making this right as I desperately need my money. 

Regards, XXXX XXXX XXXX XXXX