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

I have been contacting this company to send a Notarized letter of lien release for the past 4 weeks. I initially contacted them on XX/XX/XXXX to fax the letter to XXXX XXXX XXXX XXXX. They said it would take 3 business days at most- it ended up taking 4 business days ( the following Thursday ) to fax it according to them. The state title bureau never received a fax from them. 

I called them the following day again ( XXXX XXXX XXXX XXXXXXXX ) and they said they can mail it out to me this time. So I requested that it be send out as expedited, because I was growing impatient. They ended up mailing it out as regular mail on XXXX  XX/XX/XXXX ( according to them ). I have not received a mail as of today ( Tue, XX/XX/XXXX ). 

I called last week Wednesday XX/XX/XXXX to ask them to both mail AND fax out the letter of lien release again since I could no longer trust them. I called yesterday ( Monday XX/XX/XXXX ) to follow up on the request. The Hyundai Motor Finance says they never received such request. I put in a new request again, and asked them to mail via expedited mail. They then took my XXXX account number, saying I had to pay for it, even though I had been asking for a month now. 

I have contacted them for weeks upon weeks with no provable action. No tracking number. All they say is they have done it, but all we have are their words. No letter. In the eyes of the state, my vehicle is still owned by Hyundai Motor Finance - 3 months after having paid off the vehicle loan. I think HMFUSA is discriminating me based on my XXXX name. 

The original title was mailed out to my old address, even though I had changed my address. The post office and the old apartment says it would have gone back to the sender. This was back in XXXX. HMFUSA should have my vehicle title. Where is it?
Product: Credit reporting, credit repair services, or other personal consumer reports

My Daughters private Student loan was paid off in full a year or so ago. There was a late XXXX payment possible 3 years ago. I asked all three bureaus to update my report to close my account as paid in full and satisfied. 
Well trying to better my credit and this sneaks back up on all my there reports stating I was 60 days past due. They keep reporting that monthly while my loan is now paid in full and closed. 
They need to remove that remark off my 3 credit bureaus as its looks like my parent student loan is still active as of this date and its still 60 days past due. There reporting this monthly and its hurting my credit score. They need to stop reporting my paid and closed account with a  high rank I loan paid and satisfied only. 
Please look into this and have then straighten this out as they certainly must think I am still active.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX This collection is agency charging me for a medical debt bought from XXXX XXXX XXXX. They are not a XXXX accredited company and have several open complaints and cases against them for violating the Fair Debt Collection Practices Act. This section of the FEDERAL REGISTER contains regulatory documents having general applicability and legal effect, most of which are keyed to and codified in the Code of Federal Regulations, which is published under 50 titles pursuant to 44 U.S.C. 1510. BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Parts 1006 and 1022 Bulletin 202201 : Medical Debt Collection and Consumer Reporting Requirements in Connection With the No Surprises Act.
Product: Checking or savings account

U.S. BANK EMPLOYEES, DEEMED TO BE MANIPULATING FINANCIAL SCAMS ACTIVITY WITH OUR CHECKING ACCOUNT. AS FAR AS RE-CHARGING, OR REINSERTING SOME OF THE ITEMS BEEN ALREADY PAID FOR WITH OUR ACCOUNT, ACCORDING TO STATEMENT. ALSO ; PAYMENT MADE DEEM CHARGING US FOR OVERDRAFT ON CHECK PAYMENT WAS SENT OUT ON XX/XX/2018 CHECK # XXXX AMOUNT {$1700.00}. AND ; MY RETIREMENT PENSION DEPOSIT ALWAYS IN ON XX/XX/XXXX OF EACH MONTHS AT XXXX. WHICH I FELT LIKE NEXT DAY TRANSACTION SHOULDN'T BE CHARGED FOR OVERDRAFT PERHAPS. FOR THE FIRST TIME THIS EVER HAPPENED. ALSO ; MY WIFE WENT TO U.S. BANK TO CASH OUR CHECK FROM XXXX. MY PENSION INCREASING. AND THE EMPLOYEES PUT IT IN AS A DEPOSIT, INSTEAD OF CASHING IT. DEVIOUS ACTIVITY IN TERMS OF BRINGING CONSTERNATION, MANIPULATION ACTIVITY. TO FINAGLE US WITH OUR CHECKING ACCOUNT, OBVIOUSLY. MANIPULATION ACTIVITY U.S. BANK ARE DOING ARE EXTREMELY DEVIOUS TOWARD MANIPULATION IN ORDER TO SATISFY THEIR FINAGLE ACTIVITY WITH US, AS WE ARE SENIORS CITIZENS OF THE UNITED STATES OF AMERICA. THIS MUST BE STRICTLY SCRUTINIZE FOR FRAUD ACTS, AND ACTIVITY. MUST NOT TOLERATE ANY OF THESE TYPE OF MANIPULATION. AS WE DISCOVERED. HOW THE TOP GOVERNMENT DISHONEST, LIES ON SERIOUS MATTERS PERTAINING TO OUR FEDERAL GOVERNMENT AS A WHOLE. AND SOME PEOPLE, EMPLOYEES MIGHT TAKE ADVANTAGES OF WHAT THE LEFTIST LIBERAL ARE DOING TO OUR COUNTRY, AND, OUR GOVERNMENT EVILLY, DEVILISH LIAR, LIES, ETC. WE MUST EXTREMELY CAREFUL ABOUT. WILFUL FRAUDULENT SCHEMES ACTIVITIES LEADING OUR COUNTRY NOWADAYS ... WITHOUT DISCIPLINE AND PENALTY TAKE PLACE ... .NOTHING CAN BE ACCOMPLISHED IN TERMS OF REINFORCING AND ENFORCING OUR LAWS AND CONSTITUTION FOREMOST. & OUR RULE OF LAW ... SEMPER -- FIDELIS ... .XXXX ... .MOTTO ... ... FOR SECURITY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland placed a collections on my credit reports with all 3 credit bureaus on XX/XX/2021. This was an error because I never had an account with Midland or any company associated with them. They filed civil suit in my county XX/XX/2021 which was later dismissed on XX/XX/2021. This should not have been reported to my credit reports.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent company letter requesting certain certified documents related to alleged account to be mailed and this information was requested in good faith pursuant rule 1002 and it was never provided. I also called regarding alleged account to be investigated while speaking with representative I express my rights to opt out of all authorizations per the fair reporting credit act as a federal protected consumer which i am and that I may have given to you in writing, unwritten, verbal or non-verbal for sharing my nonpublic information to third parties to opt out. Sec. 15 U.S.C 6802 - Obligations with respect to disclosures of non-personal information. It is ILLEGAL for creditors to report late payments 15 U.S CODE 1681. LOBEL FINANCE never sent certified documents along with the disclosures from section 1637 ( b ). This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX, and all payments were placed on Autopay.

This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made on the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late, and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.
Product: Credit reporting

The credit reporting agency, in spite of the fact that they have stated to the CFPB in response to another complaint that they have removed the incorrect information are in fact still falsely reporting that I have a Chapter XXXX bankruptcy. I never filed a Chapter XXXX bankruptcy. The public record shows XXXX filing for a Chapter XXXX in XX/XX/XXXX that was successfully completed and discharged on XX/XX/XXXX.
Product: Checking or savings account

Wells Fargo allowed businesses to withdrawal from my account after already receiving notice the services were terminated. Then, wells Fargo turns around and charges me for the amount annnnnd the {$35.00} overcharge fee! They opted me into overdraft protection that I never signed. They put it in bold letters in a bank statement electronically with no way to put in my input. My accounts have been severely overdrawn and they want me to reimburse them for something I didn't opt for in the first place.
Product: Credit card or prepaid card

Bank of America Claims To whom it may concern : Through this letter I request the resolution of fraud claim number XXXX. 
On XX/XX/XXXX, I received a text message on my phone asking me if I recognized some transactions. I answered " NO '' and I immediately called the phone number listed in the text message. 
While calling, I went to online banking and to my surprise I discovered many other consumptions. I started " dispute this transaction '' online in addition to the claim that had been opened by phone With the nerves of the moment, since it was more than {$2000.00} dollars, I made the mistake of disputing the XXXX  XXXX transaction. After reviewing the facts with my wife, we concluded that this transaction was made by my wife when she went to the park with my children and bought them sodas, but since we live in the city of XXXX, Fl and not in XXXX, FL, we think that it was part of the fraud Along with this letter I am attaching an email that XXXX sent me confirming that I did not make the consumptions that appear there. Of course I have an XXXX account and I use it frequently, but in my profile, as you can see, I also have my XXXX credit cards set. 

I definitely did not do the consumptions of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And I have doubts about some consumptions of XXXX and XXXX since in XXXX we only buy for very smaller amounts because it is expensive and in general we use the credit cards of XXXX, and the XXXX grocery of XX/XX/XXXX for {$270.00} that if it was buying online is part of the Fraud also because we NEVER buy online in supermarkets. You can easily check it by checking our history I have lived here in the XXXX for less than two years and it is the second time that I have to change the card due to this problem ... 

Please I want to solve this because it generates a lot of stress for me to enter my account and see a balance of {$2500.00} that is the product of a FRAUD and does not correspond to me Thank you in advance for the management
Product: Credit reporting, credit repair services, or other personal consumer reports

There are credit inquiries that i want removed Immediatrely.These accounts were never given my permissible purpose to furnish these accounts, furthermore they infringed upon my rights to privacy in pursuant to 15usc 1681 ( 4 ) these corporations have caused damage to me mentally and financially.Which is said in pursuant to 15usc 1681 ( 2M ) any transaction or experience should be excluded from my consumer report.THESE BANKS and lenders has also violated the billing error practice act in pursuant to 15usc 1666 they never gave me the right to opt out and are not reporting accurately i want these inquiries removed immediately as they are identity theft.I do not want my account closed i just want the inquiry deleted off my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS RELEASED TO THE PUBLIC VIA THE XXXX, TRANSUNION, AND XXXX DATA BREACHES AND SOMEONE WAS SUCCESSFUL IN OPENING UP ACCOUNTS WITHOUT MY CONSENT AND AUTHORIZATION. I NEED THESE ACCOUNTS REMOVED AND DELETED FROM MY CREDIT FILE IMMEDIATELY BECAUSE THIS IS SEVERELY HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM STRESSED AND DEPRESSED AND I WAS TOLD TO SUBMIT A POLICE REPORT AND A FTC REPORT IN WHICH WILL BE ATTACHED TO THE THIS COMPLAINT. I SENT IT IN TO THE BUREAUS MORE THAN 30 DAYS AGO BUT THEY JUST IGNORED ME. IT IS INDEED MYSELF MAKING THESE COMPLAINTS AND NOT A THIRD PARTY AND THIS WAS NOT DONE IN ERROR. IT IS THE LAW TO HAVE SAID UNAUTHORIZED ACCOUNTS AND INQUIRIES REMOVED FROM MY REPORTS 4 DAYS AFTER RECEIPT AND THE CONSUMER REPORTING AGENCIES ARE BREAKING THE LAW
Product: Mortgage

We have been in the process of modifying our mortgage, which is an investor-owned mortgage with XXXX, serviced by Bank of America. We began this process back in XX/XX/XXXX ; I requested a modification because the term of the existing modification had expired. More importantly, I have a new job overseas, which will result in a significant reduction of income. Long story short, Bank of America has made this process a complete nightmare from the outset. They are either willfully incompetent or are wittingly engaged in illegal activities. They have made agreements in bad faith regarding the removal of the escrow account they they added in error in the first place ; they did irreparable damage to our credit ; they put me at risk of losing my job. They previously added an escrow account to the loan which they themselves advised was NOT REQUIRED for our loan program. 
After 7 months of the back and forth, our customer account manager changing XXXX times, we were going to opt out of the modification because there seemed to be no end in site that would be advantageous to our family. Why would we sign up for a loan to modify our existing payment that is MORE than what we were paying? 

After posting my displeasure via social media, we finally got some response and are currently in the closing phase of the loan modification. However, it has been stalled for the past 3 months because BOA lost the original loan documents. We signed the loan documents on XX/XX/XXXX. We had to download the documents from BOA 's loan portal because we can not receive XXXX XXXX and BOA would not mail to our overseas address because it is a XXXX XXXX . I called BOA to advise that I sent the documents as instructed in the cover letter to a XXXX XXXX in XXXX XXXX, CA. However, learned on XXXX XXXX that the forwarding service had expired on that XXXX XXXX and it was supposed to be returned to me. However, I just checked the tracking on XXXX that the documents were signed for by XXXX at Bank of America in XXXX TX on XXXX XXXX. They have held unapplied funds for 3 months - even though we have made the FULL contracted payment, charged late fees, and reported us for non-payment/delinquency, while we have patiently waited for our loan to close. I did try to contact XXXX via the XXXX Manager but there has been no real follow-up on my inquiries since XX/XX/XXXX.
Product: Debt collection

Jefferson Capital put a collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I have no knowledge of this account with XXXX XXXX XXXX in the amount of {$2200.00}. They also stated per my credit reports that it was originally over XXXX XXXX dollars and that I made a payment last year. I have never made any payments and was never notified of this debt before it showed up on my report. It is fraudulent and not my account. Upon further research it has been found that even if this was a valid debt which it's not it would have gone to XXXX not Jefferson Capital Systems when they closed in XX/XX/2019. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any written agreement ( s ) between myself and the original creditor stating I agreed to pay alleged debt 3. Consumer address at which original account was opened 4. Date of first delinquency 5. Itemized calculation of alleged debt If Jefferson Capital Systems is unable to provide the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account deletion from all credit reporting agencies without further discussion of payment in full or partial settlement. This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation. Absolutely no phone calls. If correspondence is initiated by JCS in any manner other than permitted I will cease all communication ( invoking my legal right to request JCS cease communication ) with the presumption that the debt is invalid and that I own zero responsibility ( in part or whole ) for the repayment of said debt. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REVIEW MY FILE. I HAVE BEEN SENDING THIS COUPLE OF TIMES NOW AND YOU SAID TO SEND THIS COMPLAINT TO CFPB AND XXXX  FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid down my credit card to better my credit score and improve my creditworthiness as I did to all my credit cards this month. Citibank deliberately lowered my credit limit immediately after my payment was made to intentionally blocking me into keeping my credit balance at a high credit balance forcing me to keep my credit score low. This was intentional and malicious and a deliberate act to intentionally harm me and my creditworthiness and to cause harm to my over all performance to do business and improve my life. This is an abuse of power and is not ethnically or legally correct. 
I was told that it was due to credit that was reported by XXXX. After speaking to XXXX they said that I have had 100 % pay on time and nothing has changed to worsen my credit for over 1 year. 
Credi card : Diamond Preferred ending # XXXX These are BIG BANK CROOKS!!!!!!!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to the 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 resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds 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 or other personal consumer reports

XXXX XXXX is not acting in good faith to fulfill my request to investigate my car loan. I paid my loan via their website. Due to a technical issue on their site my payment apparently never went through. XXXX XXXX failed to notify me electronically of the 'late ' account until it was well past due and has now very negatively affected my credit score. I will file complaints with every regulatory agency I can until my credit score is adjusted.
Product: Debt collection

A medical collection is showing on my credit report. I called the company to pay the collection and they said it was paid XXXX years ago. It is still showing on my report and is a negative account, essentially hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has called me in the last three months from MULTIPLE 646 exchange numbers. Saying press one to be removed, calling from a recorded line. I ALWAYS REQUEST TO BE REMOVED. PRESS 1. YET THEY CONTINUE to call. It is at least 10 times a day. It is absolutely ridiculous. 

I have texted stop I have looked for a website to be removed there is not one I have put my number on the do not call registry Please make them stop
Product: Debt collection

Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX GA XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2021 I sent my initial request to investigate accounts and personal information reported on my credit. I also have sent a follow up letter on XXXX XXXX 2021 and again yesterday. I still have no response and or updates on any of the accounts being disputed. Please help me get these companies to report ONLY accurate and verified information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Having pulled my credit report from Equifax I noticed a fraudulent hard inquiry and previous address. I tried to dispute it using their online dispute tool but it told me it was unavailable and gave me a number to call. After calling the number and battling for a hour to get to a person the person told me that I couldn't file it over the phone and would have to mail or fax in documents to begin my dispute. I called their competitors and they were able to handle my dispute and it turns out the fraudulent information was not on their records. There is no reason in 2019 that anyone should have to mail or fax in documents to submit a dispute something on their credit report. I wish I could take my business away from Equifax but unfortunately consumers don't get that choice.