23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I live in XXXX and I purchased a car in XXXX XXXX, when i purchased this car i recieved a bank loan from bank of the west. Everything was fine till I called the state of XXXX and asked them what I need to get my vehicle licensed. XXXX dmv is telling me that the bank is supposed to send them the title due to the title being a XXXX title, the bank on the other hand is telling me that the dmv is supposed to request a copy of the title from the bank. I 've called on several different occasions asking and the bank first told me they lost or misplaced the title. Then the bank branch XXXX called me and said they would be sending the title out soon, but two days before that i had a voicemail from bank of the west saying they sent the title out already. I 've been getting blown off by everybody i call with a different story everytime at this branch as well. The bank of the west branch is located at XXXX XXXX XXXX in XXXX, XXXX. I just need to have the bank quit telling me lies and send the title to XXXX County dmv in XXXX XXXX, XXXX and i can not get anyone to send it so i can be LEGAL driving my vehicle. the dmv will not give me a license plate until I have the title or they have it sent to them, there is no professionalism at this branch.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Account Information XXXX XXXX XXXX Account Number XXXX. 
This is my third request to have this issue resolved, I am writing to formally dispute the inaccurate reporting of my account with PREMIER BKCRD/FIRST PREMIER on my credit report. Upon reviewing the account details, I have identified several discrepancies that violate my rights under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ). I request that this account be removed entirely. Identified Discrepancies : Inaccurate Charge-Off Reporting : The account reflects multiple charge-offs dating back to XX/XX/XXXX through XX/XX/XXXX, despite being marked as paid in settlement. The FCRA requires accurate reporting, and ongoing charge-off statuses are misleading, misrepresenting the current state of the debt. Failure to Update After Settlement : Following the settlement of {$530.00} in XX/XX/XXXX, the account should no longer report as charged off. Under FCRA ( 15 U.S.C. 1681c ( a ) ), it is required that once a debt is settled, the account status must be updated accordingly. The lack of an updated status is inaccurate and unfairly portrays my financial obligations. Overlapping Negative Information : The account shows both past-due statuses and charge-off statuses within the same reporting periods, leading to potential confusion regarding my creditworthiness. According to FCRA ( 15 U.S.C. 1681e ), credit reporting must be clear and not misleading. This overlapping reporting harms my credit profile without justification. Misrepresentation of Payment History : The history of the account includes numerous charge-offs, which creates confusion about my payment obligations. The Truth in Lending Act ( TILA ) mandates clear disclosures, and this accounts reporting does not reflect the true nature of my payment history, thereby violating consumer protection standards. Negative Impact on Credit Profile : The ongoing negative reporting associated with this account has caused significant damage to my credit score. Under the FCRA, credit reporting must be fair and accurate. The presence of inaccurate charge-off statuses and multiple past-due reports unfairly damages my credit standing. Request for Resolution : Due to the inaccuracies outlined above, I request that this account be corrected to accurately reflect the paid settlement status or be removed from my credit report entirely. If this information can not be verified as accurate, it must be deleted, as mandated under FCRA ( 15 U.S.C. 1681i ( a ) ). Next Steps : I ask that you conduct a thorough investigation of this account and provide me with the results within 30 days, as required by law. If the inaccuracies can not be resolved, I expect the immediate removal of this account from my credit report. Additionally, I request a corrected copy of my credit report reflecting these changes.
Product: Debt collection

this collection office uses highly illegal tactics to collect debt. impersonating attorneys, law enforcement and government officials. they try to collect more than what is owed, they threaten jail and wage garnishments, they call people 's place of employment even after being asked to not call there anymore. They do n't even bother to state the mini Miranda or monitor disclosure on any of their calls. The owners name is XXXX XXXX. the " company 's '' name is Empire Mediation Services, located at XXXX XXXX XXXX, XXXX, NY XXXX the phone number there constantly changes so consumers can not call back, but the owner 's direct cell phone number is XXXX. This place needs to be shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX ( XXXX ) inquiries on my credit file from this bank, dated XX/XX/XXXX & XX/XX/XXXX. I have not applied for credit with this bank, and have requested documentation on two occasions supporting their permissible purpose in accessing my files. I have received nothing but a brief letter stating that they had no documentation, as the applications were submitted on-line. My second request garnered no response at all. Pursuant to Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ], this access can only be obtained " In accordance with the  written instructions of the consumer to whom it relates. '' As they have no such written instructions, accordingly, these inquiries must be removed from my credit file immediately.
Product: Debt collection

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. I have no contract and have no reason to be in any type of business with this company and they are committing FRAUD. My credit profile is affected by these violations, this fraud, SUSPICIOUS, AND DECEPTIVE. I demand proof TO SEE ' Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of the validation and verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. 


I have sent letters on In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and i still have yet to receive a proper response that validates this debt.
Product: Credit reporting or other personal consumer reports

There were XXXX unauthorized credit inquiries I would like to report. Below is the information along with the dates on which they occurred. 

Unauthorized Credit Inquiries : XXXX  - Reported on XX/XX/year> XXXX  XXXX - Reported on XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

I worked at only XXXX job and thats, XXXX XXXX XXXX XXXX in XXXX Fl XXXX My name is XXXX XXXX, and I believe 100 % sure my identity has been fraudulently used towards a company I owe on taxes that I have never worked for a day in my life they said I worked for a year from them and I never worked for a company like that I forgot the company name but if you pull up my info from the irs youll be able to see it all I remember the business name start with block, inc. name to it.. I just want this off my tax report XXXX XXXX XXXX XXXX  XXXX this been on my tax return since 2020 please help me to resolve this issue!
Product: Checking or savings account

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing in response to Wells Fargos latest communication dated XX/XX/year>, regarding the {$1000.00} unauthorized transaction ( Claim XXXX ) and the {$70.00} chargeback dispute ( Claim XXXX ). Wells Fargo has failed once again to address the evidence I have provided, and their response continues to reflect a lack of diligence and transparency. 

Key Concerns with Wells Fargos Response 1. Overreliance on Token and Authorization Data Wells Fargos primary justification for denying my claims rests on the assertion that the transactions were authorized by me or someone I authorized because the digital token and phone number matched my account. This method of verification is insufficient, as it fails to account for : The possibility of compromised digital wallets ( e.g., XXXX XXXX ). 
Unauthorized access to the token or device used in the transaction. 
Wells Fargo continues to ignore my submission of proof that I replaced my phone, a significant factor pointing to potential fraud. Despite being assured by a representative that this evidence would be considered, it appears to have been disregarded entirely. 

XXXX. Failure to Conduct a Thorough Investigation of the {$70.00} Chargeback Dispute In the case of the {$70.00} claim, Wells Fargo has failed to engage with the extensive contextual evidence I provided, including : Screenshots of XXXX XXXX conversations where the buyer confirmed the transaction. 
Text message exchanges where the buyer acknowledged the purchase. 
Evidence of the buyer blocking me after the transaction, demonstrating clear fraudulent intent. 
The chargeback was initiated by the buyer after they received the goods, and their subsequent actions ( blocking me ) directly undermine the legitimacy of their claim. Wells Fargos response ignores these critical details, failing to account for buyer fraud and dismissing the context of the transaction entirely.

3. Dismissal Without Transparency The letters Wells Fargo referenced in their response provide no clear rationale for the denial of my claims. Specifically : For the {$1000.00} claim, there is no detailed explanation of how my evidencesuch as proof of replacing my phonewas reviewed or why it was deemed insufficient. 
For the {$70.00} claim, there is no acknowledgment of the extensive documentation demonstrating buyer fraud, nor any indication that this was considered during the investigation.

4. Pattern of Denial Across Claims BOTH CLAIMS were denied using nearly identical reasoning, despite involving distinct evidence and circumstances. This pattern reflects a systemic failure to conduct individualized reviews, suggesting a procedural issue in Wells Fargos fraud investigation practices. 

XXXX. Internal Procedural Errors The error in addressing me as XXXX XXXX in earlier correspondence demonstrates a lack of care in handling my case. Such errors undermine confidence in your investigation process and raise legitimate questions about the diligence applied to my concerns.
Product: Debt collection

This company completely did not get in contact with me after receiving the payment in full on an owed account. 
They had already sold my vehicle to a tow company that was completely out of the area and was already done and had no intention on returning They have been distributed and they have close the account does that is not mine and it is not report it on my Credit accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to list erroneous information on my credit report. This has been happening for years. I have sent Experian copies of every document imaginable that proves to them, they are reporting inaccurate and erroneous information on my credit report. Experian is knowingly and willfully violating the Fair Credit Act and my Consumer Rights. They have been this daily for years. I have been sending them documentation that proves their reporting is wrong, but they will not remove this inaccurate and erroneous information. Experian continues to list an address that I have never lived at. I have sent Experian a huge amount of documents, including utility bills and bank statements and copies of my ID. Showing Experian that I have never lived at this address. ADDRESS : XXXX XXXX XXXX XXXX, XXXX NC XXXX. I have never lived at this address, but Experian will not remove it. Experian is knowingly and willfully violating the Fair Credit Reporting Act. Experian continues to list an erroneous XXXX XXXX account for {$21000.00} on my credit report. I have sent Experian tons of documents over the years, showing them their reporting is flawed and this is an erroneous account. Experian will not remove it. Experian has been violating the Fair Credit Reporting Act daily for years. ACCOUNT : XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX ... ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX. TELEPHONE NUMBER : XXXX.The information listed on the account is full of errors and inaccurate. It is listed with a residential apartment address that is vacant, and the telephone number associated with the account is a non working telephone number. So how is Experian able to verify the alleged account, if the telephone number does n't work, and the alleged business, is not operating out of the vacant residential dwelling? And none of the contact information is valid? Also it shows the account was opened XX/2000. Pass statute of limitations. I know all this are violations of the Fair Credit Reporting Act. I want this inaccurate erroneous address and this erroneous account removed from my credit report. I also want Experian fined, if it is in your power to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Google XXXX has been deleting my bad reviews of apps from XXXX. I find that XXXX apps are scams that steal information about me that is stored on my phone or other app accounts. There have also been false claims of winning money to watch commercials. A lot of these commercials lead to scam websites for jobs that want money to hire you. And loan apps that lead to unwanted phone calls and texts. Google XXXX  also places apps on my phone without my permission that it won't allow me to uninstall. Like XXXX apps that can be gotten from The XXXX XXXX app store
Product: Credit card or prepaid card

We purchased 2 tickets to travel from XXXX, IL to XXXX, XXXX on XXXX. The travel date was XX/XX/2017 to XX/XX/2017. XXXX cancelled this trip due to the company insolvency. We did our best to resolve issue with the company, but there is no response. We also filed a case with credit card insurance company, but insolvency is not covered by them. Our credit card issuer is a major bank so we expect it to have more power in resolving this kind if issue compared to our individual power, but the bank declined the credit card dispute we initiated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial Does not have the authority to report any information to the credit Bureaus during an open CFBP / Arbitration case. They are breaking code 12 CFR 1026. They are also not allowing the process to be completed.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I'am demanding a deletion of the following account. Also Experian and XXXX report balance is not factual or Accurate. : XXXX XXXX XXXXXXXX XXXX  CREDIT CARD I have reasons to believe that the information provided by these sources, particularly the collection account from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX is inaccurate, unauthorized, and in violation of the law. This misinformation is adversely affecting my good name, character, and ability to qualify for new credit opportunities. I am exercising my rights under the Fair Credit Reporting Act, specifically referencing the following provisions : - 15 U.S. Code 1681i - Procedure in case of disputed accuracy - 15 U.S. Code 1681e - Compliance procedures -15 U.S. Code & 1962f- Unfair practices
Product: Credit reporting or other personal consumer reports

I have found a credit inquiry on XXXX and that inquiry is not mine 's. Sam 's Club never extended me no line of credit. I never did any business with them. 

I do not know why they are on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Used XXXX and online accessed my XXXX and XXXX reports..equifax had issues I tried twice and the verification question had nothing to do with me..
Product: Debt collection

Key to recovery is charging interest on a debt that they don't own. They report over {$1000.00} more than owed. The debt is currently in repayment with the original creditor.
Product: Debt collection

XXXX XXXX has a collection on my account they refuse to remove. 
this is no my account. 
i do not have a contract agreed to pay with my wet ink signature and they have no legal validation not verification.
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under XXXX XXXX XXXX XXXX XXXX XXXX XXXX  alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. The following accounts have billing error XXXX XXXX XXXX XXXX and must be resolved immediately. 

Account Name XXXX XXXX XXXX - Opened XX/XX/year> Account Name : NAVIENT XXXX - Opened XX/XX/year> 2007
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian on XX/XX/XXXX to remove a fraud alert on my account that was placed on XX/XX/XXXX. I received online notification that the fraud alert had been removed. I confirmed with a follow up phone call to Experian on XX/XX/XXXX at XXXX. I received verbal confirmation that the fraud alert was removed. 

XXXX have tried to retrieve my account information multiple times since then and have received notices that the fraud alert is on my account still. I called Experian on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Several supervisors told me they " can not do anything '' since " there is no fraud alert '' but my lenders can not retrieve my report still. 

I submitted a complaint to the CFPB on XX/XX/XXXX, ID number XXXX. Experian responded today on XX/XX/XXXX and said that there is no fraud alert on my account. My lenders tried to retrieve my account information today and received the same error message. Experian absolutely did NOT correct the problem.
Product: Mortgage

When I purchased my home, I took out a mortgage with HomeBridge Financial Services. Everything has been great, up until this last year. The mortgage company escrows my insurance and taxes, and my insurance is due in XXXX of each year. In XXXX of XXXX, my insurance agent mailed the invoice to the mortgage company. In in XXXX of XXXX, HomeBridge sold my mortgage to a new servicer. I received my new statement for my new servicer & my payment increased by $ XXXX/month. When I inquired, it was because of the escrow. I found out through my insurance agent that HomeBridge never paid my insurance policy in XXXX of XXXX. I immediately called HomeBridge, they refuse to speak with me because I am not longer a customer ( since they sold my mortgage not even 1 month ago ). I finally got through to someone who in turn hung up on me & told me they wouldn't help me. She informed me that they forceplaced insurance in XXXX of XXXX because the home needed to have insurance ( OBVIOUSLY! ). If they would've paid the invoice that my agent sent in XXXX, this would never have been an issue!!!! Insurance rates have skyrocketed in my state, so now to get a new insurance policy in place, I have to pay for new inspections, and my premium is going to be MUCH higher than it was when my agent sent the invoice back in XXXX. I am out HUNDREDS if not THOUSANDS of dollars because HomeBridge is incompetent and refuses to take responsibility for their mix up. The woman at HomeBridge acknowledged they never tried to call me, but they may have mailed me something ( which I never received ). How could I have fixed this if I didn't even know it was an issue????
Product: Credit reporting or other personal consumer reports

XXXX sent me a notice that CB Indigo has pulled my credit report without my knowledge. I do not want their credit card.
Product: Credit card or prepaid card

Because of lost income, I notified my credit card providers in XX/XX/XXXX that I was no longer able to make monthly minimum payments and asked them to reduce the amount due until I can get back on my feet. One of them, XXXX XXXX, immediately worked out with me a plan to reduce the amount and lower the interest rate in the interim. 

But Citi XXXX MasterCard declined to working out a plan with me. I told the bank that all I would be able to pay via online payments is {$100.00} a month in order to keep the account open which I have been doing. 

But, not only am I accruing monthly fees by the bank 's refusal to work out a plan with me as XXXX did but I am receiving on a daily basis anywhere from 4 to 6 robo annoying calls which is a total violation of my rights. 

I want Citibank to work with me during this personal financial crisis and stop harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft my information was stolen and used WITHOUT my consent these unauthorized accounts must be blocked and removed from my credit report please block and remove these accounts from my creit report 1 ) Company or Organization : XXXXXXXX XXXX  Account Number : Account Number XXXX amount {$2300.00} XXXX ) Company or Organization : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX amount {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine are : XXXX and XXXX XXXX which I listed on Identity Theft. 
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine. 
Please remove as soon as possible these accounts from credit report.
Product: Debt collection

PHOENIX FINANCIAL SERVICES based in Indiana, removed an old debt and proceeded to add it back onto collections as a new debt ( Re-age ).