23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I have been trying to get a name off a title and and do a title state change for 5 months. 
As of now it is still not finished. 
I moved from XXXX to XXXX in XXXX. I called to ask about the name removal and state change. They said I did n't need to name removal and they would send me the papers I needed to register the car in XXXX. It took over 4 weeks and numerous calls before I received the papers. I found out that I did need to have my sisters name off the title. I have been making calls ever since. I have been told I was wrong, that it ca n't be done, that the papers were in the mail. That I did n't request the name removal, that I had to call the XXXX, that the titles dept had to take care of that. Then in XXXX they sent to papers to me then to the XXXX. I was told to check back in a few weeks. When I called back I was told the XXXX said I had to travel back to XXXX with my sister to sign papers. I called XXXX and was told we could have signed a POF then the company could handle everything for me.I called the company back and was told that was wrong, or that they did n't know where to send the papers. So as of now it is still not finished. To me either the employee did n't know what to do, or they acted very rude to me. Example was today. I spoke to a woman who said she was from the presidents office. She told me i did n't ask for a name change, then said I would have to travel to sign the papers, or the papers were in the mail and there was nothing she could do about it. She had no resolution for my problem. That there were XXXX states and she did n't know the laws in each state. I filed with the XXXX and they keep saying it is my fault. I asked for the interest back that I should n't have paid and all they did was state the terms of the loan. I had plans of paying off the loan in XXXX. I explained that to each person I spoke to. I finally went on line printed out the POF from that web site and submitted it. Again I was told I was wrong, or that all the paper work was not submitted and refused by XXXX. As of today XXXX/XXXX/2016 5 months later this is still not resolved. I am attaching their responses to the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a closed account from XXXX, Account # XXXX on my credit report that doesn't belong to me. This account was opened in XX/XX/2016. It has been disputed by all three credit bureas & XXXX/XXXX. It was resolved & deleted from my credit report but for some reason it keeps reappearing on my Equifax report with no explanation. I have disputed this again with no luck. I am demanding that Equifax abide by the FCRA & delete this account from my credit report. It is fraud & damaging to my credit!
Product: Debt collection

I am filing a formal complaint against The XXXX XXXX XXXX for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and potential violations under Nevada and Illinois state laws. The XXXX XXXX XXXX has engaged in deceptive practices, inaccurate credit reporting, and unlawful debt collection tactics related to an alleged debt acquired from XXXX XXXX. 

The XXXX, XXXX failed to provide proper debt validation as required under FDCPA ( 15 U.S.C. 1692g ). Upon my request for verification, they provided only credit card statements from XXXX XXXX and a generic letter indicating the sale of the debt. This does not satisfy the legal standard for debt validation, which requires a complete chain of assignment, proof of ownership, and an itemized accounting of the debt. Without such documentation, The XXXX, XXXX can not legally continue to report or collect on this account. 

Furthermore, XXXX XXXX XXXX XXXX is in violation of FCRA ( 15 U.S.C. 1681s-2 ) by reporting inaccurate information to credit bureaus without proper verification. Despite disputing the debt, they continue to report it, failing their duty to investigate and correct inaccuracies. This constitutes negligent or willful noncompliance with FCRA obligations to ensure the accuracy and integrity of consumer credit information. 

Additionally, XXXX XXXX XXXX XXXX has engaged in deceptive and unfair collection practices in violation of FDCPA ( 15 U.S.C. 1692e and 1692f ). By misrepresenting my fraud claim as an identity theft issuewhen the actual claim was regarding fraudulent reporting practicesthey have deliberately misconstrued the nature of my dispute to evade proper investigation and regulatory oversight. 

Under Nevada law, specifically XXXX XXXX and XXXX XXXX, The Bureaus, Inc.s deceptive conduct may constitute unlawful business practices, including the misrepresentation of consumer rights and failure to act in good faith during debt collection activities. 

Given that The XXXX XXXX XXXX operates from Illinois, potential violations of the Illinois Collection Agency Act ( XXXX ILCS XXXX ) also apply, particularly regarding the requirements for fair and honest dealings in the collection of consumer debts.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

Mailed all relevant info ( ID ) to Experian on Friday XX/XX/XXXX in order to temporarily unfreeze my credit. 
Additionally contacted Experian by phone today in order to expedite matters, giving my pin to unfreeze. Only informaton available was to the advice to do what I've already done. Apparently no unautomated agent was available. 
I believe that 3 days is the max allowed to accomplish this process.
Product: Credit card

I was XXXX of Synchrony Bank 's victims in the recent class action lawsuit. In XXXX 2015, Synchrony credited my account with respect to the terms of the class action suit. I was left with a small outstanding balance. I called Synchrony to determine the exact payoff amount ( {$38.00} ), and paid it the same day, leaving me with a zero balance. 

On XXXX XXXX, 2015, Synchrony made an unauthorized debit from my bank account ( XXXX XXXX ) of {$11.00}. I called Synchrony yesterday to determine what had happened and to get them to return my money. They refused. 

Despite having lost the class action lawsuit, Synchrony is continuing to defraud their customers.
Product: Debt collection

I was referred to my XXXX XXXXXXXX XXXX XXXX for an annual XXXX exam. At the time I believe this was in XXXX. I had XXXX previous annual exams with XXXX XXXX with no billing issues. I am on XXXX but was also on my wife 's insurance plan through XXXX XXXX XXXX. I advised XXXX XXXX 's medical staff on many occasions that my XXXX was the primary and XXXX was the secondary. I also advised them due to an error with my driver 's license my birthday was listed incorrectly by XXXX. I advised the medical staff for XXXX use XXXX and for XXXX use XX/XX/XXXX. This was not an issue previously but it has become XXXX now. XXXX XXXX office either submitted to the wrong insurance as primary and it was rejected. I believe it was submitted several times to XXXX because XXXX has limits on what they would pay out. My annual XXXX exam was surely covered by XXXX. I believe time elasped ( XXXX ) months before it was submitted to XXXX and it was denied at that point. XXXX only gives 12 months to submit a claim as I was told. So, XXXX XXXX 's office sold my bill instead of eating the charges due to employee ( XXXX ) error sold my bill to a collector Lockhart Morris & Montgomery. I never received any notices from Lockhart Morris & Montgomery which legally they should do initially! What I did receive from them is a severe injury on my credit report. My credit report dropped by XXXX points in that instance. Lockhart Morris & Montgomery initially listed themselves on my credit file as a creditor. This is a clear violation of my rights under The Fair Debt Collection Pratices ( 15 USC 1692 et seq. ) Also by misrepresenting themselves initially on my credit report as a creditor. The amount that shows on my report owed is {$960.00}. Which if true, would mean my debt was purchased for $ XXXX dollars and my reputation has been severely stained and injured for such amount. I would like this unvalidated charge removed off of my reports with all CRA 's immediately. I would like the CFPB to look deeply into the collection practices of Lockhart Morris & Montgomery!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and thank you for taking the time to review the complaint. According to Experian XXXX XXXX continues to tarnish credit reports. Sent letter out to request removal of negative reporting. The account is over the seven-year statute of limitations.
Product: Consumer Loan

This dispute is in regards to BMW Financial Services account # XXXX. BMW Financial Services has put a negative " repossession '' mark on my credit report. I contacted BMW Financial Services for debt validation. BMW Financial Services response to to my request for debt validation is unacceptable and not legally valid. BMW Financial Services also fails to provide me with accounting information to prove or support their claim for repossession. I will submit and attach documentation BMW Financial Services has sent me in regards to my request for debt validation. 

The following reasons I am disputing BMW Financial Services validation : BMW Financial Services has not proved legal validation or submitted valid documentation. 
The documentation BMW Financial Services has provided me is not readable or visible. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ). 
Documentation or proof showing my liability toward this account, such as a signed contract corresponding my Social Security number with my signature. 

Secondly, I have always paid my account with BMW Financial Services on time. I have never missed a payment nor been late. In fact, I have always paid my account in advance. BMW Financial Services has put a derogatory " Repossession '' mark on my credit report. This is totally false and inaccurate. I demand this derogatory " Repossession '' claim to be completely removed off my credit report. Under the Fair Debt collection Practices Act ( FDCPA ) 15 USC 1692g Sec. 809 ( b ), I request BMW Financial Services provide me with : Complete accounting of this alleged debt and prove their claim of repossession. ( Which is required by law for debt validation )
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 3 time I have complained about inaccurate information on my credit file. I have several things on my credit file that need to be addressed ASAP!! I have a very common name and there has to be several XXXX XXXX in the Ohio area however my name is not XXXX XXXX! My name is XXXX XXXX MY DOB IS XXXX MY SS IS XXXX. I WOULD LIKE A FREEZE PLACED ON ALL MY INFORMATION AND A NEW REPORT SENT OUT ASAP. MY FILE IS BEING CONFUSED WITH SOMEONE ELSE THAT IS NOT ME! PLEASE DELETE THE FOLLOWING ADDRESSES XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. THEY ARE NOT ACCURATE. PLEASE REMOVE ANY VARIATIONS AND MISSPELLINGS OF MY NAME.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXTransunion credit reporting agency have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the this account. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the XXXX parties. Per FCRA, reporting must be XXXX XXXX accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

XXXX 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: Debt collection

Same case from case number XXXX. They have stopped since XXXX and are now again resuming their garnishment NOW with my employer. The documents sent by this company never showed my application to the firm client, there was no balance on it and the entire account was already charged off in XX/XX/XXXX. Please let Machol and Johannes LLC stop.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX XXXX  AUTO WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX, someone without my permission and knowledge, did a wire transfer of {$140000.00} to four different recipients. I informed the fraudulent bank and I did not give any permission to do so. I never do a wire transfer in person and how could someone do this without my knowledge? The money has been fraudulently transferred to my Chase Trust account checking account. I have never authorized anyone to do the transfer or any transaction on this trust account. however, the bank fraud department keeps saying that I gave the authorization /permission to do so. As such, they close my claim and investigation. I need help to get this money back into the trust account.
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX XXXX, alleged I owe on an alleged account with Comenity Bank. I responded with a debt validation notice, disputing the account and balance, and requesting documents from the original creditor, transfer of debt, and other information within thirty days, or to delete this account. My request was received, via certified USPS ( XXXX ), signed for by XXXX XXXX, on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX XXXX, did respond. However, no requested materials, or attached documents were provided whatsoever, only a statement from XXXX XXXX 's Disputes Department. On XX/XX/XXXX, I again reached out to XXXX XXXX, via certified USPS ( XXXX ), signed for by XXXX XXXX, on XX/XX/XXXX, stating their prior response was unsatisfactory, and again demanding materials. XXXX XXXX never responded. Please see the attached documents and receipts.
Product: Debt collection

I have 2 collections from Midwest Recovery on my credit report that arent mine. Same amount same day. {$400.00} on XXXX/XXXX/XXXX
Product: Debt collection

On or about XX/XX/year> XXXX XXXX  from the Wells Fargo Presentation Department continues to harass me by calling my residence with these trick calls of manipulation. By pretending that she knew absolutely nothing about the State Funded Mortgage Assistance Program that Ive been approved of. And out of her evil vindictiveness shes trying to get the program removed from the plan. Shes nothing but a pathetic manipulator and liar. And when she called me a few days ago I had informed her that I was currently in the XXXX  recovering from XXXX XXXX
Product: Mortgage

I requested a refinance of my loan ( XXXX ) with The Money Source XXXX XXXX XXXX in XXXX of XXXX. I was informed that the loan would be processed in a timely manner and to provide the necessary information. I completed the information as requested and waited approximately 2 months for a response. Late XX/XX/XXXX i received a loan offer which I was then instructed to have notarized and returned within 2 weeks. i provided the notarized documents in 5 days. I was informed 2-3 weeks later that there was an issue with the paperwork. The start of the new loan was to begin on XX/XX/XXXX. I asked if there was any notable change to the new document to the monthly amount or the rate and was told that there was no change. I was informed that the issue was caused by the Money Source, XXXX XXXX XXXX. I was told that another document was coming. I have not received any new documentation. I was then told to make an additional request for refinancing the loan.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

XXXX - Account # XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information as from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Mortgage

During the application process the lender fees were not disclosed despite my repeatedly asking before consenting to a hard pull. I was very specific that I was only consenting to a hard pull if the deal I saw on the aggregator website was exactly what I was getting since all the information I provided was accurate and verified. When I received the initial disclosures I saw the large lender fees and complained. The company, in writing, agreed to a 0.25 % lender credit which I accepted. This was several months ago and they are refusing to provide documentation. Throughout the process they repeatedly promised me I would see new disclosures very soon. When I received the final disclosures months later, it did NOT include that credit. When I pointed out their error they said they would get me new disclosures. It's now been 9 days with no reply. Since interest rates have increased greatly since I started this application, I am no longer able to refinance my mortgage at similar rates and am stuck. Feels very much like a bait and switch UDAP violation.
Product: Debt collection

I did not give Resurgent Receivables LLC authorization to use anything whatsoever of my information. I have made a report against them the FTC. Resurgent Receivables LLC are in violation Pursuant to 18 U.S.C 1028A, This company Resurgent Receivables LLC are in violation. I never gave them the authorization to use my information. Pursuant to 42 U.S.C 408 Resurgent Receivables LLC are in violation. Pursuant to 18 U.S.C 1030 Resurgent Receivables LLC are in violation. Pursuant to 18 U.S.C 894. Pursuant to 15U.S.C 1693e pursuant to 15U.S.C 1681. Pursuant to 15U.S.C 1692d, Resurgent Receivables LLC are in violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shopping for home and I am very displease and disappointed that I found fraudulent and illegal accounts on my consumer credit report. I was recently in a breach with XXXX and XXXX so that lets me know that my information have been exposed. However, I am under the impression that my information should always be protected. Now that these fraudulent accounts have come to my attention, you guys are violating me. Under 15 usc 1681g my consumer credit report should be secured and if not, The credit reporting agencies can be sued immediately. This is a defamation of character and is causing emotional stress on me and my family. I am trying establish a home and I need you guys to remove these illegal accounts immediately! This is also destroying my livelihood and should no longer be neglected. I will be contacting the CFO of each credit bureau to complain because this is not fair. Please respond immediately with removing and blocking this illegal accounts so i can successfully buy my home.