23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

When financing our vehicle we took a loan from Fifth Third Bank. On our Simple Interest Note and Security Agreement we paid XXXX dollars to Public Officials and XXXX dollars for Title Examination. Once we satisfied our lien in full we received a letter from Fifth Third Bank stating that in order to receive our title we must go to The Ohio XXXX and PURCHASE the title due to the fact that Ohio is a state which produces electronic titles. 
Ironically, one week before receiving Fifth Third 's letter we had just satisfied our lien on another car that we financed through XXXX XXXX. XXXX XXXX thanked us for our business, thanked us for satisfying our lien and ALSO sent us a PAPER Title. 
I spent over an hour on the phone with Fifth Third 's loan officer going round and round about how Ohio is a electronic title state and Fifth Third owes us no paper title. I spent another hour with a loan officer at a local Fifth Third branch going round and round about how Fifth Third owes us nothing since Ohio is an a electronic title state. No one could explain why I received a paper title from XXXX XXXX and not from Fifth Third. I was given a handful of excuses as to what the fees of XXXX dollars to Public Officials and XXXX dollars for Title Examination on our Simple Interest Note and Security Agreement really were. 
We will never consider Fifth Third again for any of our financial needs and urge other to be aware of their " roundabout '' ways of cheating their customers.
Product: Money transfer, virtual currency, or money service

Initiated an external transfer from Ameris Bank to another personal account. 
Validated on Ameris ' Banks website FAQ that no fees are charged for external transfers. 
Money was successfully sent but then was charged a 3 dollar fee for the transfer. 
Called customer support and said they can't reverse the fee even though it says it on their website that there are no fees. 
Escalated to the supervisor who said they can do a 1 time courtesy reversal even though the website states no fees associated with transfers.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I received a Credit Report Alert from my online XXXX XXXX XXXX provided by XXXX XXXX. This alert was sent because someone had made an unauthorized Credit Report Inquiry to Experian for a credit card application that I knew nothing about and had NOT requested. 

When I contacted Experian about this unauthorized credit report inquiry I was informed that XXXX XXXX had made the request - without my knowledge. However, this unauthorized request resulted in my Credit Rating taking a XXXX hit, but Experian assured me that no credit card was being issued and that my credit score would be corrected/ restored to its previous " Excellent '' rating. 

On XX/XX/2024, I received a letter from XXXX XXXX requesting additional information that was required before they could approve my ( XXXX ) credit card request. Reference Number : XXXX. XXXX XXXX wanted the following three ( 3 ) documents : 1. Proof of current physical address ; 2. Proof of Date of Birth ; and, 3. A copy of the letter ( referenced here ). 

On XX/XX/2024, I called XXXX, the phone number referenced in their XX/XX/XXXX letter, and I spoke with " XXXX '' who told me that my ( BOGUS ) credit card request was being canceled and that he would alert their Fraud Dept. to investigate how this ( XXXX ) request had been initiated, and by whom. He further stated that I would receive a response from XXXX XXXX XXXX XXXX. within XXXX ( XXXX ) days. After this discussion I ended our call by telling " XXXX '' that I was going to contact the Consumer Financial Protection Agency and report them for requesting and accessing my credit report unlawfully.

I know this is a lengthy response, but I do appreciate someone taking the time to read and act on this complaint as there may be XXXX more who are being targeted and having their credit scores lowered by these unlawful credit report requests. 

Thanks you!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/2024 Experian
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX, WA XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$9900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several certified disputed, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with Navient requesting validation of lawful right to collect on this alleged debt .... 

Thus far, the collection company has forward a bill statement and an attempt to collect a debt letter.
Product: Credit reporting or other personal consumer reports

I am writing to formally inform you that I am a victim of a data breach, which has resulted in fraudulent accounts and inquiries being opened or made in my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete the following fraudulent accounts and inquiries from my credit file immediately. 
Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Subject : Request for Chain of Title Documentation To Whom It May Concern, I am writing to formally request a complete Chain of Title for the account referenced below. Please provide a detailed history of ownership and transfers of this debt, including the original creditor and all subsequent owners, as required under applicable laws. 


XXXX XXXX ACCOUNT NUMBER : XXXX XXXX  XXXX  As part of this request, I ask that you provide the following documentation : XXXX. A complete record of ownership transfers from the original creditor to XXXX XXXX XXXX, including dates and entities involved. 


XXXX. A copy of the original signed agreement establishing the debt. 


XXXX : Documentation proving XXXX XXXX XXXX 's legal right to collect on this account. 




I request that you respond to this request within 15 days from the date of this letter. Failure to provide this information may result in my disputing the validity of the debt and taking further action as necessary. 

Please send the requested documents to the address listed above. If you are unable to fulfill this request, kindly provide a written explanation. 

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

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

Unauthorized Inquiries XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I called Equifax and they refused to remove the inquiries but gave me a security freeze and fraud alert. I want these unauthorized inquiries removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. FAILED TO REMOVE CREDIT REPORTING TO XXXX, XXXX XXXX AND FAILED TO ADHERE TO OUR BANKRUPTCY NOTICES.
Product: Student loan

In XX/XX/year>2024 Mohela transitioned its accounts so online payments could not be made until an account transitioned fully. Because Mohela could not guarantee my account would be fully transitioned by my XXXX due date, a representative recommended I make my XXXX payment directly to Mohela via bill pay/electronic bank transfer. I made this payment of {$1200.00} on XX/XX/year>2024 and it posted/processed on XX/XX/XXXX via XXXX on my banks ( XXXX XXXX ) bill pay/electronic bank transfer. I have proof that payment was processed and received per my bank, and the payment trace number is XXXX. Mohela has to this day not updated my account with proof that this payment was received. I have called them multiple times and received different information with each call. At first I was told they would open an investigation to locate the payment and that this would take 10 business days. On the latest call, I was told it would take NINETY business days to locate the payment received and apply it to my account. One representative told me they could see the payment in one system on their end, but not another. I have offered to send my banks proof of payment many times and am always told they dont need that information, but yet nothing gets updated. This is frustrating not only because of the amount of money in limbo, but until the payment is updated, it delays my ability to apply for loan forgiveness. I believe the XX/XX/year>2024 payment constitutes my 120th payment for PSLF. If the XX/XX/year>2024 payment is not reflected as received on time on Mohelas end, then XXXX may not be able to process my loan forgiveness application for PSLF.
Product: Credit reporting or other personal consumer reports

Name of Collection Agency : XXXX XXXX XXXX Amount Reported : {$5400.00} Date of Report : XX/XX/2024 Credit Reporting Agencies Affected : XXXX, XXXX, XXXX Fair Debt Collection Practices Act ( FDCPA ) Violations : The FDCPA requires debt collectors to provide accurate and valid information regarding debts. Under 15 U.S.C. 1692g ( b ), I am entitled to receive a validation of the debt within 30 days of my request. XXXX XXXX XXXX has failed to provide sufficient validation of this debt, which means they should not be collecting it or reporting it to the credit bureaus. 

Fair Credit Reporting Act ( FCRA ) Violations : The FCRA mandates that all information reported to credit bureaus must be accurate and verifiable. Under 15 U.S.C. 1681i ( a ), I have the right to dispute any inaccurate or incomplete information on my credit report. XXXX XXXX XXXX has reported a debt of {$5400.00} that I do not owe, which is a violation of my rights under the FCRA. This erroneous report has harmed my credit score, and I seek its immediate correction. 

Lack of Proper Debt Validation : I have previously requested debt validation from XXXX XXXX XXXX as per my rights under the FDCPA. They have either failed to respond or provided insufficient evidence to substantiate the debt. Without proper validation, they are legally prohibited from continuing collection activities or reporting the debt to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report with all three bureaus this month and noticed that my XXXX XXXX dropped tremendously. I was not familiar with the name of the company, so I immediately disputed the account on my credit report with all three bureaus. Simultaneously, I called the company in question to investigate why they're reporting on my credit report and that it's past due. Unbeknownst to me, this specific company took over payments on an account that I have under my name, named XXXX. I've been making automatic, recurring payments every month, on the XXXX of the month, since XX/XX/2022 with XXXX  and never had any issues. This account is paid automatically via my XXXX XXXX card. I contacted XXXX XXXX, and they provided me with proof of payments via monthly statements. I've submitted proof of payments to all three credit bureaus. Today I received results, and the credit bureau responded by saying that the information on my credit report is accurate, meaning XXXX months worth of late payments from the company in question. I've called them several times, but they can never give me a straight answer as to why they reported my payments late. I've asked to talk to supervisors, and apparently they're never available. It gets better. I called them again today and spoke to a customer representative named XXXX XXXX, who verified my account in their system and specifically said my account is current and has been since XX/XX/2022. I don't know what else to do. Please help! Thank you for your time and assistance!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion on XX/XX/XXXX to report that I have been a victim of their inquiry issue that resulted in incorrect inquires appearing on my credit report. Clearly the representative at the bureau did not care and was not their to help and made it seem like the bureau PROFITS from bad credit and would not remove something that did not belong on my credit because it WAS NOT authorized by me. The following inquiries I reported to have removed - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I have contacted TRANSUNION several times on the   XXXX   XXXX   account that has been paid in full since  XX/XX/2017   . I have tried to get them to update the credit report and they refuse to do so. I am going to be seeking legal advice at this time. They are reporting misleading information on my report, and I have a legal right to dispute this information and also to have it reviewed and updated. This account is paid in full as you will see in the evidence submitted.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, multiple fraudulent accounts have been opened in my name. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and permanently deleted from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX, I opened a CD with Marcus.com, which came to maturity in 12 months. 

The first aspect of the complaint is the emails received regarding monthly disbursements, as well as the initial email opening the account, and the final email alerting me to the maturity date and automatic renewal. All of these UNSECURED emails contained sensitive financial information, including the account number and various dollar amounts. 

The second aspect of my complaint is the closing process of this account. Upon receipt of the final email, I called to express my dismay that the term total - interest amount of my CD was displayed in an unsecured email. To my further dismay, I learned during that call that the call I had made several days earlier to close the account was not being processed, and my CD was set to renew! 

If I hadn't become aware of the potential security breach regarding my personal details, I would've been locked into another 12 months with Marcus. 

This has been resolved, and Marcus has case # XXXX, created by XXXX, on file, from XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report recently and I don't recognize these inquiries therefore I need these to be deleted ASAP from my consumer report
Product: Credit reporting or other personal consumer reports

I am filing this report to dispute several negative accounts on my credit report that I am unaware of and did not authorize. I believe these accounts have been reported in violation of my rights under federal law, and I am requesting their immediate removal. 

Firstly, under 15 U.S.C. 1681s-2, creditors are required to report accurate information to the credit bureaus. However, these accounts contain inaccuracies and have been reported without my knowledge or consent. As such, the creditors have failed to meet their legal obligations under this statute.

Additionally, 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) mandates that debt collectors must provide proper validation of a debt upon request, including a complete payment history and proof of my signature on any contractual agreements. I have never received such validation, and I believe that these debts are not mine. As these accounts were not properly validated, any continued reporting is unlawful, and they must be removed.

Furthermore, 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act requires financial institutions to obtain my explicit consent before sharing my personal financial information with third parties. I never received notice or an opportunity to opt out of such sharing, which has resulted in these unauthorized accounts being reported to the credit bureaus. This constitutes a breach of my privacy rights, and I demand that these accounts be deleted immediately.

Lastly, under 15 U.S.C. 1681c-2, if an account is the result of identity theft, it must be blocked from my credit report. Given that I am unaware of these debts and did not authorize them, I believe identity theft may have occurred, and I request the removal of these accounts. 

In light of these violations, I respectfully request that these accounts be removed from my credit report immediately. Please provide verification of my signature on these accounts, or delete them in accordance with the laws mentioned above.
Product: Money transfer, virtual currency, or money service

The representative was very rude she was waving her hands and rolling her eyes and being very belligerent. She did not want to disclose her name or how much services would be when asked. She was very unprofessional and dressed in bed attire while on duty. She appeared to not be interested in working or providing customer service. This location is in XXXX on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a couple of accounts being reported on Equifax that I have already asked to verify on multiple occasions because they are not reporting complete account information. 
There is no Collection Company Name Original Creditor Name No Contact Information So how are these accounts even validated? 
I have sent in a I have asked according to my right within the FDCPA Laws for a debt validation and still have not received anything. I am disputing these accounts and because the information being reported is incorrect and insufficient these accounts should be removed from my report immediately! These derogatory accounts are hurting my creditworthiness. 

Account XXXX Account XXXX
Product: Debt collection

I never enrolled in the school and yet they have {$510.00} bill that I do n't owe. I did n't go to the school and I do n't owe this debt. They promised me in XXXX they would remove this charge but I see in XXXX it is now a red flag on my credit report. This is wrong on every side, especially considering I DID N'T attend the school. 

I XXXX from a XXXX program in XXXX but never attended after that. They rejected my application for the XXXX program so the debt is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are still negatively reporting 4 student loans from Navient on my reports whereas XXXX has them closed and paid as they should be. They also keep taking the balance up and down hundreds of dollars causing my scores to constantly drop lower and lower every time I get them back up.
Product: Debt collection

Bank of America was letting recurring monthly charges of XXXX?? go to my credit card. When I received a statement in the mail, I discovered it. I tried to log into my online account but had been locked out several months prior due to suspicious activity. I called and reported fraud. They removed the charges and reimbursed me the XXXX per month I had been paying. I later received a letter that the charges were mine. I disputed it again, and again they said the charges were mine. When I talked to the IT department, trying to get back into my account, I asked him : If these charges were suspicious enough to lock me out of my online account, why were they allowed to continue letting the charges go through every month? He said they were " separate departments. '' While I was on my online account, a new phone number had been added ( during the time I was locked out ) and a new zip code had been added to my address, which was a XXXX XXXX XXXX Bank of America said that it would show in my credit report that I dispute this. I just received a letter from XXXX XXXX, XXXX. I called them and spoke to XXXX XXXX who transferred me to his XXXX, XXXX XXXX, I explained the situation to him, and his reply was there is nothing he can do about it. The total debt is XXXX, and it is not mine
Product: Mortgage

Applied for loan modification three times with Wells Fargo all three times I ended up on the sheriff 's list to sell my house yet Wells Fargo kept telling me they were trying to do a loan modification which turned out to be nothing but lies they wanted my house because I had equity and it was worth a lot of money.