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

Auto loan was paid in full on XX/XX/XXXX. 
Nissan Motor Acceptance confirmed receipt of payment in full via letter dated XX/XX/XXXX. Lender has not provided us with clear title, nor have they successfully submitted electronic release to XXXX XXXX within the required 15 days. My escalated case reference number is # XXXX. I have called numerous times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX ), and have spoken to numerous Nissan employees including supervisors, including the corporate office. 
Each of them have given me a different story as to why I do not have clear title. Some of them blame XXXX XXXX XXXXme blame their title department, some tell me to call back in a few days, all of them contradict the other. The corporate office even gave me the phone number to the title department, which was a non working number! I can not get anywhere with these people. I need clear title for our vehicle as we are trying to sell the vehicle. Here is the list of dates and names of Nissan employees that I have spoken with : XX/XX/XXXX : Chatting online with XXXX, was then put on the callback list, never got a call back XX/XX/XXXX : XXXX then to supervisor XXXX, then sent to XXXX at Corporate office who gave me non-working phone number to Title dept. at Nissan Motor Acceptance XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX then to supervisor XXXX I need my clear title that they are holding illegally.
Product: Credit reporting or other personal consumer reports

company never sent out letters and Due to multiple XXXX  I was unable to communicate with anyone from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Experian I submitted a dispute on or about XX/XX/2022. Loan company is XXXX XXXX, amount {$2200.00}. I requested Experian to provide documented proof, such as a signed contract loan agreement or any document with my signature agreement. 

To date Experian has not provided documented proof with XXXX XXXX. They are still showing on Experian website as a debt. 

I am requesting help from the FTC to get Experian to obtain documented proof. If not, remove XXXX XXXX debt of {$2200.00}.
Product: Credit card

XXXX company had inadvertently charged my credit card in error for the sum of {$4100.00}. 

I immediately notified my credit card company " Citibank '' to warn them of the error and to credit the full amount back to my account. I was told it would be corrected with several business days. 

Its been almost 3 weeks and the charge is still on my credit card. I have made several calls to Citibank and have been told its still being investigated. This process it taking too long and I am worried that I will be forced to pay for the fraudulent charge. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Auto Account Number XXXX XXXX XXXX The original loan statements were not received in a timely manner. The subsequent payments made were then resulted in a late being reported on my credit. I opened an investigation in XXXX on this matter, I never heard back. Covid hit, we asked for, and received a deferment, yet every month that we had a defer Chase reported late. As a result, multiple late payments have been reported and it is killing my score and making it difficult to obtain EIDL from the SBA and other finale options we are pursuing due to COVID. Even the statement attached shows that there was no correspondence between Chase and me for 3 months.
Product: Debt collection

On the date of XX/XX/XXXX I sent a certified letter to the company MediCredit asking them to validate a collections debt that was reported on my credit report. In response, Medicredit responded on XX/XX/XXXX will a detailed bill breakdown showing all procedure XXXX, and medications that was given according to the date of admission. I asked this company to provide proof ( a signature ) a contract validating my signature that shows proof that I allowed my medical information to be released to them and they did not do so. However, in response to the validation letter they violated Hipaa. I did not authorize this company to access my medical records. Ive asked them to remove this reporting from my credit immediately but they did not do so, now I am looking to move forward with a lawsuit from this company violating my rights. Attached please see all supporting documents showing proof of their response including them violating hipaa in doing so.co MediCredit XXXX XXXX XXXXXXXX XXXX XXXXXXXX MO XXXX Phone : XXXX Account Numbers XXXX XXXX XXXX XXXX And any others reporting from this company. 

Kind Regards, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I called Lending Club on XX/XX/XXXX to cancel my non-funded loan. The initial representative along with the subsequent representative appeared invasive and hesitant to process this request. The second representative cautioned me not to spend any money from the loan. The loan was not funded prior to me calling. I logged into my Lending Club account and it show the loan was funded and complete. I did not trust that this representative ever entered my request at all. I called back to confirm the the cancellation request and again I was promised by XXXX? ) that the cancellation request was processed and she stated I'd receive a email confirming my cancellation request. She also advised me that there was no cancellation request previously entered that she could see. I then logged into my XXXX XXXX account and seen that the account was not funded. Granted I do not want this loan. As I explained to representatives i got a much better rate locally. LC is trying to force me into this loan. 
Additionally, and most recently I continued to email the company regarding my previous request. The company finally sent an email today ( XX/XX/XXXX ) stating that my payment on this loan would be XXXX the cash out amount of the loan minus their {$1000.00} fee. Due on XXXX the XXXX. I previously established with this company that my XXXX XXXX XXXX was returning the the funds which in they ( XXXX XXXX XXXX did to the LC account the funds cames from. So essentially LC is intent on trying to get their fee regardless. Regardless, to that their very own policy states that a borrower only needs to call them and establish their refusal to receive the loan. I did that even prior to the loan be mysteriously deposited into my XXXX XXXX account ( after ) my cancellation request howbeit. Lending Club 's policy does not state ( currently at least XXXX that the borrower will be charged any fees if they are notified with the 5 day period after the loan. I clearly notified LC but the representatives did not follow through and process any of my two ( 2 ) requests for cancellation of the loan. So LC will ( attempt ) to hold be liable for the {$1000.00} ( processing fee ) despite there being no company policy to support this charge. I in-turn will not pay this amount. My account access has also been denied every since my cancellation request. In addition a XXXX  complaint has been filed and ignored by this company per their response on XX/XX/XXXX and a certified letter mailed to the company along with multiple emails.
Product: Debt collection

I had a credit card with Discover Credit Cards and it was closed because I didn't pay. Discover took me to court without my knowledge and I they garnished my paychecks. I explained to them that I got a separation and I was paying child support. And if they could placed me in a payment plan since I got a new job, and they were not able to help me. This happened around XX/XX/2019 and by XX/XX/2019 I had the balance paid off, including additional fees that they added into my account.
Product: Money transfer, virtual currency, or money service

I have been in contact with Care Credit Synchrony Bank since XXXX XXXX. XXXX XXXX sent me a letter notifying me that I overpaid XXXX on my XXXX payment for XXXX XXXX purchased in XX/XX/XXXX. However, the account ending in XXXX has numerous balance transfers on it from XXXX XXXX Bank MasterCard ending in XXXX that I did not do or approve. I sent numerous letters asking for transaction information for these transfers and the company sent me the elctronic payment virtual checks dated XX/XX/XXXX stating XXXX was the Payment source to the XXXX account with a merchant ID blacked out except for XXXX ending numbers. I have no record of a XXXX   card during this time and no idea what merchant ID represents. I sent another letter to XXXX XXXX of the President 's office on XX/XX/XXXX sharing that I made a XXXX payment from my credit union in VA and those XXXX payments made XX/XX/XXXX funds showed up in CT XXXX XXXX account ending in XXXX that was dormant since at least XXXX ( I opened it in XXXX with my mother ). They are listed as a credit card payment and on XX/XX/XXXX listed as a returned item deposit?? How could this be? The check number is XXXX and I have no idea what or where that came from. In addition, there was a new care credit opened in my name that I have no idea about with a log in of XXXX and password XXXX that does not open the page saved in my XXXX password. I asked the secret service for help in VA and they shared the log in looks like a routing number. They have not responded to how the payments went from my credit union to XXXX Bank in CT to an account I have not accessed since XXXX? Those records are easy to retrieve. It was assumed dormant. XXXX XXXX, a family member did access those accounts in CT and opened numerous cards in my name with a false address in CT while I lived in VA. The secret service reported frequent balance transfers may be indicitive of laundering. He is being investigated for XXXX of checks made out to him and cashed at the teller from XXXX to XXXX ending in XXXX. He closed both accounts in XXXX, however, I requested records and need to know why Synchrony is not responded to my question. How did my payment go from my XXXX XXXX XXXX made XX/XX/XXXX and credited to hearing aid account balance and end up on XX/XX/XXXX and XX/XX/XXXX in a XXXX account in CT I had not accessed since XXXX? I did not have an XXXX XXXX card that was used to make a balance transfer payment of XXXX to XXXX XXXX XXXX Master card I also did not have access to or records will show use? Please investigate this fraudulent transfers? XXXX XXXX has not responded to my letter with records dated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have received your computer -generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency.Not only do I believe this is a stall tactic on your part to grant you a additional 30 days to comply with my original requests, but I believe it to be blatant violation of the FCRA.I must express my deep dissatisfaction and disappointment I cant experience my credit with continued negligence displayed by your company in addressing these inaccuracies present on my personal credit report .Despite my numerous letters requesting a through investigation and removal of such misleading information, it appears that my concerns have fallen on deaf ears.It is important for you to understand by law, you are required to take immediate action upon receipts of such requests.Your credit reporting agency has been reporting has been reporting inaccurate and incomplete account information to my credit file. I am disstressed that these referenced inaccurate account are on my credit file your credit reporting agency have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and ay be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXX 2018 ), your reporting agency may be liable for alse reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code XXXX - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the noncompliance continues. Like, XXXX XXXX Trans Union CorpXXXX, No. XXXX ( C.D.Cal. 
XXXX XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX 2018 ), they may be liable for false reporting. By law these should be deleted immediately off my personal credit report I even call the credit reporting agency and they told me they pay some type of subscriber code so because they pay it yall can keep it very unlawful n thats the reason why its verified thats very corrupt and is not still complying with the law or listening to me yall should be ashamed to be doing this to me Im on a fixed income n about to be homeless because of your careless mistake please remove in 4 buisness days or I will seek ligation.
Product: Checking or savings account

i filed a dispute on XX/XX/XXXX my account was frozen with XXXX left in it i waited for a new card to show up when it did i went to withdrawl my funds they were gone from my account wich was locked i couldntuse it or access it .tyhey wont even take my phone calls or explain where my money wentnow my stimulus check is due to go in tonight at XXXX im afraid that to will vanisheverything was fine until i called and got thru to someone on the XX/XX/XXXXwhile i was on the phone with them my funds vanished when i asked tobtransfer my funds to another bank i was denyied this isnot the first problem in a rather long ist of problems and illegal action by direct express twords meallowing a chargeback on a frozen account new account numbers that shouldnt have happened .i belive it is malicious and discimination on there part.i think someone needs criminal charges asnd i deserve mrenumeration for my losses due to there illegal behaviour i am also filing a report with the ag office of minnesota directexpressis responsible for XXXX of my money being taken from my account ive tryed calling there phone system hangs up my calls i have no recourse im on XXXX and cant take this kind of a loss. whatever you can do to help me please do help me. thank you .XXXX  XXXX i belive this coverd most of it but the 30 hrs i spent on hold tryingto unfreeze my accountlasttime oi belive minimum wage is fair for my 30hrs on hold.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute and resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

NOTICE : Experian, XXXX, and XXXX are only reporting agencies and are all in violation of utilizing hired overseas agents from foreign governments to handle XXXX XXXX XXXX XXXX information of my Estate and ALL of their XXXX  ENTITIES/PERSONS that call these three reporting agencies. This IS a direct threat against EVERY customer/client these SO-CALLED bureaus have in their database. When in FACT according to Title 15 U.S.C. Subsection 1681 ( W ) the Consumer Financial Protection Bureau is the ONLY XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

I paid the security deposit the card company ( First Progress ) required to open the account with them and they closed my account without me knowing and without refunding the {$300.00}. They said the {$300.00} security deposit was refundable but they never did refund me. I've signed in and it shows that I have it in there and I called the customer service number on the statement, but when I call it doesn't except any of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fed loan services is reporting XXXX confidential non public personal information. XXXX XXXX is dependent on privacy. XXXX in XXXX does not Include Transactions and Experiences between consumer and person making the report
Product: Credit reporting, credit repair services, or other personal consumer reports

According to multiple credit reporting agencies, it is claimed that I opened a line of credit with XXXX XXXX XXXX XX/XX/2023 and multiple charges were made in the total of {$650.00}. I disputed this account, and Equifax claims that they verified that this account belongs to me and sent me their report on XX/XX/2023. I continue to assert that this account was never opened by me.
Product: Mortgage

I bought my home during the XXXX security breach and lost my identity theives took over my bank account and caused me to miss my mortgage payments i filed a loss mitigation package and while going through the mitigation process my lending was dual tracking my mortgage and continued with the foreclosure process
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not properly investigate and account is unknown to me please send info how account is verified XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX {$570.00} Balance updated XX/XX/XXXX Account number XXXX XXXX  XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX {$640.00} Balance updated XX/XX/XXXX Account number XXXX XXXX XXXX XXXX XXXX {$1200.00} Closed 14 charge-offs Account XXXX Account status Closed Date opened XX/XX/XXXX Account type Lease Balance on XX/XX/XXXX Loan Amount {$1200.00} {$1100.00} XXXX XXXX - Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Sales Contract Balance on XX/XX/XXXX Loan Amount XXXX XXXX Closed 5 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Sales Contract
Product: Debt collection

They ignored the letter that was sent. They kept sending collection notices. They do not have a phone number to contact to explain the situation. They only provide letters of collection with threats of suspension of driver 's license.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have reached out to all three bureaus and was told to get an ftc report to help remove the inquires since it was unrecognized and unauthorized. still nothing have changed on my report, this is troubling me from moving out my mom house. 

As per FCRA section 609 605 and 623 Please provide record of consent for this inquiry and record of accuracy. If unable to validate or provide written records I expect removal of this inquiry immediately.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft, pursuant to section 605, the fraudulent information must be removed. Fraudulent address are listed in the attached FTC.
Product: Credit reporting or other personal consumer reports

I have repeatedly asked Equifax, XXXX and XXXX to furnish me proof that I authorized the numerous inquiries on my credit report, and they have failed to do so. These inquiries were not authorized by me unless I have an active account associated with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit report act .the following accounts have violated my rights. 

! ) discover bank account # XXXX XXXX ) XXXX XXXX account # XXXX XXXX ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. STATES I HAVE THE RIGHT FOR 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 MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a mortgage wit h PNC  bank. in  XXXX  the bank asked mortgagers to start using new online banking website. I enrolled to that online banking and was told by associate that the old information is no longer valid and I have to set up new payments information on that site. I did. but on  XXXX   XXXX , they withdraw  one p ayment for  XXXX  using old website set up, and on  XXXX   XXXX , they withdraw second /duplicate payment using new website set up. I called multiple times and requested a refund, but the bank refused to process refund stating the payment will be applied to  XXXX . I did not give the bank authorization to decide how to handle my money. I did not authorized them to withdraw duplicate payment. It is an error on their end. Also, they told me that I have to submit a verification letter from my bank stating that the funds are indeed mine and that I indeed had them on my account. the funds withdrawn second time were intended fro my school loan payment and I do not have additional funds to pay my student loan and will get hit with fines. I tried to escalate this issue with upper management a t PNC bank , but was places on hold for half an hour and nobody ever responded.