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

On or aboutXX/XX/XXXX I purchased a vehicle from XXXX XXXX. In XX/XX/XXXX the loan was transferred to XXXX XXXX XXXX. I filed Chapter XXXX in XX/XX/XXXX. When I dismissed the Chapter XXXX in XX/XX/XXXX, I contacted XXXX to request the payoff. After more than 15 telephone calls, no one could find the record or tell me the balance I was told it was charged off during the Chapter XXXX. XX/XX/XXXX, my vehicle was repossessed from my home. I was directed to XXXX XXXX XXXX. No one at XXXX speaks English ; it is a call center in XXXX. However, I went through the process, paid off the balance and all associated repo fees in the amount of {$5800.00} ( pay off balance of : {$4800.00} ; repo fee : {$980.00} ; and Redemption fee : {$140.00} ). I was told I would receive the Certificate of Title within 15 days.

I did not receive the certificate of title in 15 days. I then contacted XXXX, who would not talk to me but rather directed me to contact XXXX XXXX  at XXXX. I called and tried to talk to someone about my title despite the language barriers and I was told it was on its way.

XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX ( I have no idea who this is? ) on XXXX letterhead that indicated : They had contacted the CA DMV to remove their lien interest and I should receive the title within 15-20 business days. In addition they included an unsigned State of California Certificate of title listing XXXX At XXXX XXXX as the legal owner of my vehicle. I took the Certificate of Title to the DMV and was told that the certificate was an unsigned, illegal document. I placed 6 separate calls to XXXX, told them the document was not legal and asked for a legal replacement. Out of frustration, I contacted XXXX and told them I had a fraudulent document. They informed me to make a formal, written request to : XXXX XXXX XXXX XXXX GA XXXX. That request was faxed on XX/XX/XXXX to : XXXX. I still received no response or legal Certificate of Title. On XX/XX/XXXX, I contacted XXXX again. I was asked to email my request to : XXXX. That email was sent on XX/XX/XXXX. To date I have received no response or no legal Certificate of Title.

I get the run around at every turn and this company ( ies ) : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are conducting fraudulent activities and will not send me my legal Certificate of Title.
Product: Debt collection

Non-validation of debt for two accounts that have not been properly validated by this company. Account numbers ending in XXXX with a balance of {$2600.00} and XXXX with a balance of {$840.00}. I have been communicating with this company with the credit bureaus and through mail. I still have not been supplied with the original contracts with my signatures to validate these debts. I have filed a complaint with the XXXX  ( XXXX XXXX XXXX  ) and now here. Also multiple laws in accordance with the FCRA have been broken because for some time now I've been receiving letters with multiple violations on them, here are the laws that have been broken, ( 15b USC 1692 B ( 2 ), 15 USC 1692 B ( 5 ), 15 USC 1692 C ( A ), 15 USC 1692 C ( A ). This company knowingly operates without regard to the FDCPA and FCRA even after multiple litigation cases against them for violating these federal acts. At this point, I am convinced this company can not produce the original signed documents by me to validate these debts. Next, I will be filing a complaint with the Attorney General and preparing to retain legal representation against PRA to remove these collections from my XXXX credit report and to receive {$1000.00} per violation and possibly more for the damages. I will not take any further action IF these accounts are removed from my XXXX credit report. Also I'm including a theft report on this complaint because I am 100 % sure these accounts are fraudulent and not mine to begin with, once again remove these accounts from my credit report immediately.
Product: Mortgage

I am trying to get a payoff so I can refinance. Axos Bank says they have 7 days to respond, well this is work days and if there is a banking holiday that adds time so I am now 11 days/ 8 bank days into this process and don't have a payoff. I did get a half hearted call to see if I wanted to refinance with them. Today it supposedly escalated and assured i would get the payoff today since a supervisor was working on it but nothing. I do this for work all the time with banks and other mortgage companies and only have to wait hours not days!. Help Axos holds us hostage when we try and refinance with others!! 
Initiated Payoff Message on XXXX as their instructions state, system does not even acknowledge message received or response will come. 
Called XX/XX/12 to see if they were working on my payoff, was told yes we see your message but they have 7 days, so he says you won't get it until the 7th day so not up to 7 days, they don't do anything until 7 days Day 6 ( really day 10 ) I get the call to see if I want to refinance.

Day 7 nothing Day 8 I call person says sorry, talked to supervisor and assured me they would send payoff today! NOTHING!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, these accounts listed below has violated my rights. 
XXXX account XXXX XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account XXXX XXXX  XXXX  account XXXX XXXX  account XXXXXXXX XXXX XXXX XXXX account XXXXXXXX XXXX XXXX  account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX XXXX in account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX  account XXXX 15 U.S.C 1681 sections 602 A. States I have the right to privacy.

15 U.S.C 1981 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Received an alert that there was a new Hard Inquiry on my credit report made on XX/XX/2023, by XXXX XXXX. I did not authorize the credit check or apply for credit or a credit card.
Product: Mortgage

I reached out to Wells Fargo on on XXXX informing them that i would pay any financial obligation that i may lawfully owe on the conditions that they provide : 1. Validation of the debt being the actual accounting : they sent the Customer Account Activity statement, not the actual accounting. 
XXXX. Verification of the debt in the form of a Signed Invoice stating the amount owed and to who. : they refused saying that they don't have to provide me that information. 
3. A copy of the contract binding both parties ( me and them ) to this agreement. : they sent the Note and Deed of Trust neither of which constitute a lawful contract as they are only signed by one of the parties me. ( lawful Contracts consist of Full disclosure, Equal consideration, Lawful terms and conditions and most importantly Wet Ink Signatures of both parties. On XXXX I informed Wells Fargo that their response did not satisfy my request and their stance did not change. I offer a final opportunity to settle this matter on XXXX They continued to dishonor my request as a consumer and continued to be abusive and misleading in their practices
Product: Credit reporting, credit repair services, or other personal consumer reports

I have communicated with Experian on XX/XX/2022 by sending them a letter via certified mail. I submitted a complaint on XX/XX/2022 and the complaint ID is XXXX. In that letter I told them to send my credit FILE, not credit report. They have ignored that and responded to the complaint saying they are sending me report for review.
Product: Vehicle loan or lease

I have a loan with GATEWAY 1. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and GATEWAY 1 with no successful resolution. XXXX XXXX XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX )
Product: Credit card

I believe the account is invalid. DISCOVERBANK needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. DISCOVERBANK XXXX
Product: Debt collection

I do not owe any debt to Southwest Credit Systems , L.P . 

They are a third party debt collector and have damaged my credit under false pretenses. 
I have NEVER did any business with this company and do not have any contractual agreement to pay these people. I have NOT ever agreed to pay southwest credit systems. They do not have any contract with my signature upon agreement to pay them. they have damaged my credit and is in violation of 15 U.S.C. 1681b permissible purposes. I did not give them any permission to report anything on my credit report damaging and defaming my character.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

XX/XX/XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Debt collection

I didn't receive information about the attempt to collect the debt and wasn't afforded the chance to settle the debt, and was blindly sued by ; Plaintiff ( s ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Attorney XXXX XXXX XXXX Couch Lambert LLC, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX Case number XXXX Court XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Texas XXXX XX/XX/2022, I was served with the citation and called Couch Lambert LLC at XXXXXXXX XXXX. I spoke with XXXX XXXX and was told they sent a demand letter by mail. I responded that all of my information remained the same and that the mail must not have reached me and was maybe lost, but I did not receive it. I also mentioned that a lawsuit without first calling me to settle the debt is a bad business practice and has brought me more stress, especially since I am an unemployable 100 % XXXX veteran and that my only source of income is VA benefits and a Department of Defense annuity. She further requested that I send my bank statements to their attorneys for review. 

This is a bad business practice, and not only that, I am being put through unnecessary pain and suffering the fact that I have a medical condition such as XXXX XXXXXXXX that is being triggered by their lack of due diligence. All XXXX had to reach out instead of the unnecessary lawsuit without exhausting all means to settle the debt.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transaction was unfeasible. The CFPB 's finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raised serious concerned about consumer safety.
Product: Credit reporting or other personal consumer reports

i disputed the information at all three credit bureaus and the information came back as verified and the debts are fraudulent and submitted disputes and it came back verified and then requested proof of verification and never received
Product: Student loan

XX/XX/year> I submitted an application to switch from SAVE to IDR repayment via studentaid.gov. Mohela, as the servicer, should have placed me into administrative forbearance by now so that those months of forbearance count towards my PSLF. They have not updated my status and have not responded to my communication with them. I am 2 payments away from PSLF completion and the buyback rate was calculated at an astronomical rate so this is my only option.
Product: Credit reporting or other personal consumer reports

I have provided XXXX, Equifax, and XXXX with notarized copies of section 605B of the Fair Credit Reporting Act and FTC Identity Theft Report # XXXX, Police Report # XXXX, Small Claims Lawsuit Case # XXXX CFPB Report which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 

I am a victim of identity theft and human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from all three companies XXXX for myself, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/year>. 
Please delete the following accounts : Creditor : XXXX XXXX Partial Acct # XXXX. 
Creditor : XXXX XXXX Partial Acct # XXXX. ( against my religious belief fraudulent reporting account with XXXX repetitive numbers ) Creditor : XXXX XXXX XXXX XXXX Partial Acct # XXXX.
Product: Checking or savings account

Marcus by Goldman Sachs states that savings accounts have been opened in my name. There are multiple accounts each with its own account number stating that I need to add funds to my savings account. Each account is under my name ( by it omits my middle name ) and each correspondence has been sent to my parents address
Product: Debt collection

I called the Credit Management Company listed on my XXXX report that has a balance of {$1700.00}. The lender allegedly was XXXX XXXX XXXX XXXX. I spoke with the collection agency and they told me that the account was no longer with them. It is with another company XXXX XXXX XXXX which is not on my actual credit report. Credit Management Company did not have any other contact or account info.
Product: Mortgage

My husband and I have owned a condominium unit in XXXX XXXX, NC since XX/XX/. Every year in XXXX, the HOA renews its flood insurance policy, which covers all the condo units. Every year we submit the new policy to Truist 's website ( XXXX ) and every year Truist claims that they have not received the current policy. One year they even purchased a flood insurance policy of their own and tried to make us pay for it. Since this occurs every year, I am beginning to suspect that this might be their goal- to force us to pay for a policy we do not need. I have tried to call them on their insurance number and on a general number, but they have labyrinthian loops, none of which offers the chance to speak with a actual human person. I finally did manage to speak with a human, but the call was cut off. In past years, it took months to resolve the issue. I do not know why they put us through this song and dance every year, but it needs to end.
Product: Credit card or prepaid card

I applied for and received a US Bank Platinum Visa credit card for the sole purpose of transferring higher rate balances to a 0 % interest rate for 18 months. I was approved with a credit limit of {$15000.00}. I successfully transferred {$10000.00} balance to this card and attempted multiple times to transfer {$4200.00} and {$5000.00} amounts to this card and both were denied due to " insufficient funds ''. I received these notices in the mail. I finally called US Bank today and they told me I was only able to transfer 92 % of my total available credit. This information is nowhere to be found on-line or in my statements. They informed me that the information was in my credit agreement but could not tell me where it states that information. I have never heard of this stipulation and certainly wasn't aware of it when applying for this credit card. I will be reviewing my credit agreement once I receive it in the mail, which they said will take 10 days. In addition to not being able to show me where this information/rule is stated, they were very rude about it. I'm disappointed as this has been my primary bank for over 10 years. The poor customer service is one thing, but being misleading about this balance transfer offer is unacceptable. Even when going through the on-line process of a balance transfer, nowhere does it indicate that only a portion of my available credit can be transferred. It actually states that up to my credit limit can be transferred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been having to file complaints with the XXXX XXXX XXXX for quite a while now could not figure out why my Equifax report was so messed up. I've never been able to sign in when I filed a complaint or want to contact them about status of investigations. They always say that my personal information is wrong well after all these years yesterday I found out that Not only was my birthday wrong they had me living at places I didn't live and I have numerous hard inquiries that dont have anything to do with my requesting authorising or renting anything. Equifax keeps telling me their information is correct and then I need to contact the credit companies that I disagree with. I keep being told to contact equifax. For example XXXX XXXX says when they ran my social security number they have no accounts for me and no inquiries but yet Equifax says I have them. They've been no help. But back to That I found out yesterday I have multiple files that are causing the hard inquiries and weird informations they requested I fax them my driver 's license, social security card, and other identifying information however I don't trust them anymore so I'm using your agency in hopes that they will not use my information improperly. They're misinformation has caused me not to be able to get a decent place to live now I'm living in a neighborhood that is very dangerous and drug-infested, isolated from family and people Ive known all my life because this is the only place I could get with their bad marks. Every time I filed a complaint they want to say that I'm wrong and I will re complain about it and keep complaining and eventually I've gotten some things removed overtime with many headaches and suffered the effects of there low rating of me.
Product: Credit reporting

I called and requested items to be removed and was told they would n't remove them. The inquiries were removed and reinsterted without a notice within 5 days. Called customer service several times and they refused to transfer me to the special handling department in the US. I also can not obtain access to my transunion report because I was told by special handling that there was incorrect information and I was told to call transunion, which I did. I verified all my information, therefore nothing should be incorrect.
Product: Payday loan, title loan, or personal loan

I believe it was around XX/XX/2021 upon entering title loan just asking for a {$800.00} loan they said I was approved for a {$1400.00} loan with payments of 220 something dollars a month so I was excited and said to XXXX cool I can pay that off Within four or five months and they were like yes I believe they take advantage of the less unfortunate people I got stuck paying 220 something a month which nothing went towards the vehicle to reduce the loan that I got when I realize the loan was still around the same amount and just kept accumulating it was already too late hi was late a few days past 30 days and they repo my car which cost me over 600 something dollars just to get it back and then continue paying my loan of 220 something dollars there is so many people going in there and not realizing what theyre signing this company is popping up everywhere I was finally able to pay off the loan after a year and a half of struggling loss my home I was renting got evicted and up in the streets it was a struggling battle just to get that amount but I lost everything and my stuff is in storage still to this day Im only writing because this company needs to be investigated and how they proceed and get people to be approved easily by signing the most valuable assets away I am making you guys aware so that way they can hopefully get me out of this financial ruins I am willing to take this information to the news broadcast it plays XXXX XXXX whatever have to do to let the less unfortunate people out there like myself dont get caught up with this scam this life this place it was a struggling battle I almost lost everything my means of transportation as well but that was the only thing I was able to save I got evicted I lost everything I have nothing Im trying to bring myself back up This company has extremely profit from me and Im sure others out there as well