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

Hello. 

FOURSIGHT CAPITAL LLC has engaged in unlawful repossession in the state of Texas. Per Texas law, a valid lien must be on the vehicle or there must be court issued order ... FOURSIGHT has contacted a 3rd party company to unlawfully steal ( repossess ) my personal property. 

I was not given a court issued order nor is there a valid lien on the vehicle, not only because financial institutions CAN NOT own property, but also because I have a certified UCC-11 search ran on FOURSIGHT CAPITAL LLC & FOURSIGHT RECEIVABLES LLC it came back proving there was already a lien between FOURSIGHT RECEIVABLES LLC the depositor of the retail installment contract, FOUSIGHT CAPITAL AUTOMOBILE RECEIVABLES TRUST XXXX & XXXX. This constitutes an invalid lien being on the TITLE of the property, NOT the property itself.

I notified FOURSIGHT they were not the current servicer of the note, therefore had no rights to enforce. Also I notified FOURSIGHT more than XXXX times that their security interest given in assignment of the contract was REVOKED. FOURSIGHT ignored. 

When I spoke with a representative of FOURSIGHT, I was told that I had to email the XXXX in order to pursue any legal action & was not given a legal department address to contact. I also emailed FOURSIGHT requesting arbitration & FOURSIGHT also ignored this request as well. 

FOURSIGHT has committed identity theft by providing a XXXX party with my personal & private information to come to my private residence & take my private property. This not only places me at risk, but also my family. This is also in direction violation of title 15 section 6802. This has made me feel unsafe & resulted in my family moving to a new place of residence, which I also have proof of.
Product: Vehicle loan or lease

My loan with Hyundai Motor Finance was paid off in XX/XX/2020. Unbeknownst to me, they never released my title. I have put in numerous requests for my title to be released. Every representative gives me the same story. There is no direct communication access to their title department. I can not receive my title or a release of lien letter. 

This has caused a great hardship to me. I am trying to sell my vehicle but can not. I was literally in the middle of a transaction of a {$16000.00} transaction that fell through because I can not get access to my title. This 2 year delay is inexcusable. 


I am desperately asking for someone to expedite my matter and provide me with a release of lien letter.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 : I was a victim of a XXXX scam. The scammer posed as XXXX of my friends from high school and created a XXXX post. The XXXX posted stated that he received a promotion and therefore is selling furniture and other items. I inquired about an item that was for sale and we agreed Id purchase these items for a deposit of {$350.00}. I sent the {$350.00} through Zelle on my XXXX XXXX XXXX mobile app to who I believed was my friends wife. Shortly after sending that money I read comments from mutual friends under the original post and realized I was a victim of a scam. I felt used and so sick to my stomach. I was taken advantage of. I immediately called my bank to report the incident and take the next steps to get my money back. I also did my best to protect others from this scammer by reporting the zelle recipients email.
Product: Credit reporting or other personal consumer reports

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID, Proof of Address with my most recent bill and XXXX XXXX.
Product: Credit card or prepaid card

Goldman Sachs will not transfer my Apple Card to my current Apple ID.

The Terms and Conditions for the Apple Card issued by Goldman do not prohibit this transfer.

Failure to transfer this card means ( according to the options presented by Goldman reps XXXX and XXXX on XX/XX/20 ) : 1. I may cancel the account and suffer adverse credit score impact 2. I may continue to let the account be utilized under anothers Apple ID, without access to this account from my own Apple ID.

3. I may cancel the account and reapply for a new Apple Card account, and suffer adverse credit score impact.

At the time of filing of this complaint, I have a zero balance on this account, but have no acceptable means of protecting my credit score and ensuring any future liabilities are appropriately authorized.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Credit Bureau 's Failure to Perform a Re-Inquiry of My Credit Report at XXXX XXXX XXXX 

Dear Sir/Madam : I am writing to file a formal complaint regarding a critical issue with the process for re-inquiring my credit report as required by the rules outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has not removed a late payment from my XXXX XXXX XXXX account, despite my taking steps to correct this incorrect information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXXE account, which has been negatively affecting my credit history. Under the Fair Credit Reporting Act, I have a right to an accurate and fair credit report. Following my dispute, the credit agency was required to conduct a new investigation into the matter and ensure that any inaccuracies are corrected immediately. 

I request the Consumer Financial Protection Bureau to urgently investigate this matter and ensure that the credit agency complies with the standards stipulated by law. I request prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit agency and XXXX XXXX XXXX. I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you for your prompt assistance in this regard. 

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

To whom this may Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying I had some identity theft on my credit card, so I want to make sure everything is correct because I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of, which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a ) 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) 1681i ( a ) ( 2 ) 1681i ( a ) ( 3 ) 1681i ( f ) ( 3 ) and 1681 Sec.604A Sec.2 ,15U.S.C. 1692 ( C )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

So I have notice a Number on hard inquires that are completely fraudulent and I have no knowledge of these hard inquires Hard Inquires XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX, 2022 NCC XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

I received a letter from Capital One Auto Finance stating that I have to pay the full amount of XXXX are they will repose my vehicle. Earlier this year I called as well as emailed asking for an additional 6 months to pay for the vehicle.
Product: Credit reporting 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.

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Debt collection

On XXXX XXXX, XXXX I sent Convergent Outsourcing INC,  a letter requesting validation and to cease and desist from collecting until they prove the debt belongs to me. I asked them for the contract with the original terms and conditions. They have yet to send me all four items that i request on XXXX XXXX, XXXX. You can not collect until you validate the debt and that 's what convergent outsourcing is doing.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACTXX/XX/XXXXXXXX XXXX XXXX XXXX, NC XXXX ACCOUNT # 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 REPOTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX and Opportunity Financial ( formerly OppLoans ) for engaging in fraudulent credit reporting, illegal reinsertion of a previously deleted account, false verification, and reaging of the account to manipulate credit reporting. 

This account was previously disputed and removed, yet it was later reinserted under a different name without proper notice or re-verification, violating FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Additionally, the furnisher has falsely verified this account multiple times without providing sufficient documentation, violating FCRA 15 U.S.C. 1681s-2 ( b ). Each time I dispute, they change the account name, reopen a previously closed account, and alter the reporting date, which constitutes account reaging in violation of FCRA 15 U.S.C. 1681c. 

These actions have caused significant financial harm and emotional distress.
Product: Bank account or service

I submitted a complaint in regards to NETSPEND prepaid card or XXXX which ever it goes by and I receive a message that stated for me to tell you what the issue is. I thought I was clear as to what the issue is. However, I will spell it out so it is not misunderstood. I have bee requesting a copy of my monthly statements for over 3 months. I was asked to fax information verifying my identity as I am a victim of fraud and identity theft. I provided this information to XXXX XXXX, the same person referenced in the first complaint. There was money missing from the cards that I expect them to pay me back and I want to see all of the transactions. XXXX state I had XXXX cards in my name. I NEVER had XXXX cards. The issue is I want all of my statements as it is within the 7 year statue and I want my money refunded to me. These are government funds as I am XXXX. I hope you can understand now what the issue is.
Product: Student loan

Good afternoon, I have a XXXX loan from XXXX XXXX XXXX that is currently managed by ECSI. I XXXX with my XXXX in XXXX of XXXX, and immediately went to XXXX school at XXXX University ( staring in XX/XX/XXXX ), where I then graduated in XXXX of XXXX. My XXXX loan was thus in deferment for all of graduate school and 9 months after my graduation, meaning the first payment should have been due in XXXX of XXXX. 

I received a bill from ECSI for XXXX of XXXX, 3 months early. I contacted them directly and pointed out the error. They insisted it was not an error, and that my time as a student at XXXX " does not count ''. Not only is that not what all the documentation I have says, it is worth noting that this doesn't even match ECSI 's own records ; it does not show interest beginning to accumulate while I was in graduate school, so this was internally inconsistent, too. 
When I pointed the representative to a website explaining the terms of XXXX loans, her response was to claim that XXXX loans are " not Federal Student Aid ''. You will find these quotes in the attached document. 

When I was unable to reach any resolution with ECSI, I spoke with XXXX XXXX at XXXX, who was able to confirm that ECSI was in error. I received an email from her on XX/XX/XXXX confirming that my information had been updated with ECSI and the error had been corrected, and that the 9 month grace period had been applied, so I expected a bill in XXXX. 

Today, I received a bill in the mail from ECSI showing that I have XXXX months of past due bills : XXXX for XXXX, and XXXX for XXXX, plus a {$5.00} charge. This is the first bill I have received from them. I just spoke to yet another ECSI agent who is trying to tell me that the initial deferment period is 6 months. 

This bill is wrong, and I have already spent hours getting it corrected, only to have them send it again, late, with overdue fees. This is negligent at best, and at worst, exploitative. 

I am attaching a transcript of the XX/XX/XXXX conversation as well as the email from XXXX, and then the follow-up conversation from today ( XX/XX/XXXX ).
Product: Credit reporting or other personal consumer reports

Under 15 USC 16c-2, I request immediate removal of any hard inquiries I did not authorize, as they are lowering my credit score.
Product: Debt collection

I am the person making this complaint & I give cfpb authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps. It is unacceptable that your bureau has reported these accounts without providing sufficient information to substantiate your authority. As a consumer, I have the right to accurate and verifiable information on my credit report, and the lack of such details raises serious concerns about the legitimacy of these accounts. I request that you immediately remove these accounts from my credit report if you are unable to provide comprehensive information supporting your bureau 's authority to include them. I also expect the results of your investigation within the mandated time frame. I demand a thorough investigation into the legitimacy of the following accounts : XXXX  XXXX XXXX, Bankruptcy chapter XXXX Reference XXXX, and XXXX XXXXXXXX XXXX Please remove these fraudulent items on my credit file ASAP.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns surrounding zelles handling of disputes in light os the recent cfpb lawsuit highlighting significant issues with the platform. Despite using the platform and reportimg ym descrepencies numerous times they failed to investigate my claims adequately. They informed me that recovering lost funds wasnt possible and tracking them down was also not feasible. The lack of accountability and transparency raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied to these companies for any credit check. I never even saw these on my report until it dropped over 50 points on XX/XX/XXXX I never gave anyone or any company permission to run any credit or social security number for approval for auto or credit cards at any point. 

CAPITAL ONE Inquiry : XX/XX/XXXX Auto financing CAPITAL ONE XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX CAPITAL ONE Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

XXXX, a crypto currency exchange, refuses to return {$32000.00} to me. I am Tier 3 verified and supposedly have {$25000.00} daily {$200000.00} monthly US Dollar withdrawal limits. 

I tried to withdraw {$25000.00} on XXXX XXXX, XXXX. After that failed I tried again, with a lower amount ( {$20000.00} ) on XXXX XXXX. Again I was denied. 

Yesterday, I received the explanation below : " The reason your transaction failed is because it is above the annual USD transfer limit of $ XXXX. 

This limit is put in place by our USD funding partner due to compliance restrictions, and is not the same as the limits permitted by XXXX at Tier 3. We are currently working to increase our funding limits and are hoping this will roll out within the next month or so. 

Since you intend to deposit or withdraw large amounts of USD, you might consider our Tier 4 or Corporate account options. Otherwise, you can withdraw your funds as crypto. '' How they can claim to have a {>= $1,000,000} annual US Dollar withdrawal limit on their site when the actual annual limit is only 2 % of that. It feels like theft to me.

I pay all applicable taxes, comply with all applicable laws, have nothing to hide, and applied for the " Tier 4 '' option as they requested, but my money is still held hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I write the FCPB due to the malice and misconduct that I've had to endure within my genuinely-approached encounter in having disputed the inaccurate information that remains on my impact-holding credit report, for which I have furnished and provided evidence against. 

It seems unbelievable to have engaged a scenario, where I encountered invalid, inaccurate, and false information on my credit report, and proceeded in a proper manner to take the justified measures to have it resolved ; contacting the Credit Bureau, with direct, clear, insightful evidence that proves the inaccuracy and falsehood that lives on my credit account. In my reality, what is to be unbelievable, is how this case, where I discovered and disputed information that was found to be damaging, with evidence against it, received a response from this said giant, this corporation, that delivered their stance at the disregard of the evidence that invalidated the inaccurate fields that they hosted on my account and its invalid account standing. The official response was to proceed in up hosting and upkeeping the false, harmful, and inaccurate data that the evidence clarified discrepancy against. At this response, it was where all sense of voice, protection, righteousness, safety, and foundation that I believed a human held, and I as a genuine victim, held, was removed. 

Its conclusion is one that is still affecting me today, internally. It is one that made me experience a sense of reality that held no righteousness, honesty, truth, morality, or level of safety. Encountering a corporation that nefariously felt too large to go against, yet, in an infrastructure that my heart knew to be democratic and American. 

Having endured this is where I write you : Consumer Finance Protection Bureau. 

The information that is being disputed as inaccurate is highlighted and organized in the evidence and document attached below. 

XXXX : The 'High Balance ' in my account negatively, and falsely, shows {$500.00}. The evidence shows this account to have never reached a balance anywhere near {$500.00}, never exceeding XXXX {$210.00}. This being only one of the numeral inaccurate information that lives on the account, it shows just how large of an impact an inaccurate report can have on you. With this, and to those who are aware, it expresses the extent and the harshness of how this one inaccuracy, this one false field, can negatively impact a person and their credit profile, in manners that are damaging and detrimental. A credit file that reaches or exceeds the limit set on their credit account receives heavy, and long-standing penalty as a result of this.
Product: Debt collection

Event Timeline and Details : On XX/XX/year>, I filed a complaint with the CFPB against Rent Recovery Solutions, under the reference CFPB XXXX, due to issues with a debt they were handling. In response, Rent Recovery Solutions agreed to hold the account and stated it would be deleted from all credit bureaus pending the outcome of a reinvestigation. Despite this, and in direct violation of my explicit instructions under the Fair Debt Collection Practices Act ( FDCPA ), they sold the debt to XXXX XXXX XXXX. This was confirmed through communication with a representative from XXXX, who referenced a new account ( XXXX XXXX. XXXX ) concerning an alleged debt of {$390.00}. 

Specific Requests Ignored : Prior to this, I had requested that Rent Recovery Solutions : XXXX. Cease any further communication or action regarding this invalidated debt. 
XXXX. Remove any reference to this debt from my records in their system. 
XXXX. Refrain from selling or transferring any personal information related to this matter to any other credit or collection entity. 

Impact : This action has caused undue stress and potential harm to my credit and personal reputation, contravening the agreement and assurances provided by Rent Recovery Solutions.