23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I called Titlemax after seeing their commercial stating " Get a title loan with Titlemax. '' I wanted to know how it worked and I was told that my car would be used as collateral so I scheduled a time to come in. I brought in the title to my car and explained I needed a small loan. After they inspected my car and took pictures and sent to the corporate office for approval I was told I was approved for approximately {$3000.00}. I only needed {$500.00} so that was what I borrowed. I was told the due date and amount I would need to pay the following month. So I made the monthly payments and as time went on I was enticed to borrow more and since I'm on Social Security Disability ( SSDI ) I often needed it. The problems began when I actually had to borrow money to pay the current payment. I had no idea or understanding that my payments were actually interest only payments and none of it was going to the principal balance. Once I called and told them my payment would be late because I only get my SSDI once a month they charged me a daily late fee plus additional interest. I once asked if I could change my payment date so it would be close to the time of my SSDI payment so I wouldn't be late on my payments again but I was informed that they could not change the due date. For someone on a fixed income/low income I was drowning in this title loan debt. There were so many fees, interest charges that always got higher and daily late fees that I could no longer understand or keep up with. Rolling over the title loan from month to month and never being able to bring down the balance I actually owed forced me to file chapter XXXX bankruptcy on XX/XX/XXXX as I needed some help with a more manageable payment plan that I could afford to pay based on my income. I would later find out that Titlemax didn't have to participate in bankruptcy proceedings due to a ruling by the US Court of Appeals for the XXXX Circuit Court. I find it appalling that they refuse to negotiate a more reasonable payment plan and would rather repossess my car than get paid even through a Bankruptcy payment plan. I am not trying to get out of paying what I owe but I think a more feasible plan is needed under the circumstances. It would be more cost effective to settle this outside of a bankruptcy court but if Titlemax  is not willing to lower my payments so I can reasonably pay off my loan then I will have no recourse but to fight them in court.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the charge-off listed on my credit report under Bank XXXX XXXX XXXX According to my records, this charge-off is inaccurate for the following reasons : The creditor or collector failed to follow proper debt collection laws, such as the Fair Debt Collection Practices Act ( FDCPA ), including harassment or failure to validate the debt The debt does not belong to you, or you have no knowledge of this account I respectfully request that you review the account details and provide any documentation that supports this charge-off. If you are unable to validate the charge-off, I request that the item be removed from my credit report immediately. 

Please inform me of the outcome of your investigation in writing. I expect a response within 30 days, as required by the Fair Credit Reporting Act. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I have had this card now for about a year. I had two cards sent to me which I activated but were declined by merchants. I however was sending the company $ XXXX monthly for several months. I filed a complaint with them and they were investigating. They reported me late recently. I do not believe a negative report is sustainable under the circumstances and should be removed. My account is current.
Product: Credit card

On XX/XX/2016 I applied for a CitiBank credit card. On XX/XX/2106 I received a notice CitiBank was unable to complete my application because I have a security freeze on my credit history. 
When I had my credit freeze applied, part of the agreement was organizations I currently have a credit relationship with would not be affected. I currently have a credit card with CitiBank, so I have an existing credit relationship with them. Upon calling CitiBank, I was told they could not use old credit data to approve a new account. They can get new credit data anytime they want because of my existing credit card account. 

Rescinding the credit freeze involves considerable time and energy that I do not have. In addition, I would be required to pay to have the security freeze both turned off, and then back on again. According to the original agreement I have, this should n't be necessary. 
I called XXXX, the agency referred to by Citibank. None of the menu options apply to what I need, and as I 'm sure you 're aware, it is not possible to talk to a person at any of the credit reporting agencies to correct the problem. Further, the CitiBank representative I talked to would not allow me to escalate the complaint there. 
I ask that CFPB contact the affected organizations and require they abide by the Security Freeze agreement they entered into with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When Credit grantors decide to close your account because you dont owe them anything, you havent used the account In quite some time, you were never late, they close it and closed accounts negatively affect your credit.

When you lose a debit, or credit Card the banks close that account so your credit report shows closed accounts which is negative, they will send you a new card but closing that account is harsh on your credit When you no longer owe on a. Who le and they close your account, thats negative. I had a car, it was totaled, I had gal insurance which paid the credit union to satisfy the loan, so loan was satisfied 100 %, never a pete payment, they closed the account which has negative impact on credit Closed accounts severely damage your credit score AND they diminish your credit history even though you were perfect!! Paid on time always never late so we are punished for paying off our debt
Product: Vehicle loan or lease

I invested into to Capital One Auto Finance XX/XX/year>. ( acct # XXXX ) The means of investment was an extension of credit. The instrument that was used to extend me credit was an application. That application that I filled out and provided to them was a SECURITY. Per their Prospectus report, filed wit the SEC, they stated that they transferred and securitized my security, which is COMMINGLING and SECURITY FRAUD! The {$10000.00} balance posted on my consumer report is INTEREST OWED TO ME!!! I sent them MULTIPLE LETTERS REVOKING THEIR POWER OF ATTORNEY, and didn't get a response. The information posted on my consumer report is FALSE and MISLEADING. Due to this FALSE and MISLEADING information, it shows that you are not properly performing the duties quoted in your indenture, thus you are BREACHING YOUR COVENANT and FAILING TO PERFORM YOUR FIDUCIARY DUTY. The Indenture Trustee and Issuer are required to perform as specified within the Indenture. Capital One Auto Finance also stated that they wouldn't list notes on any exchange, However this is more FALSE and MISLEADING information. I have gotten a CERTIFIED FINANCIAL SECURITIZATION AUDIT done on my account and I PROOF that they are trading on the SECONDARY MARKET!! I have gathered ALL of the Necessary information to pursue Litigation.
Product: Credit reporting or other personal consumer reports

15 u.s.c 1681 section 602 i have a the right to privacy I have contact transunion XXXX times about removeing these address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  i do not live their i live XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # 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 reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

My data was a victim or a data breacXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to dispute accounts on my credit report that were fraudulently opened without my knowledge or consent. I believe I am a victim of identity theft, as these accounts do not belong to me, and I have never authorized them. I request that these fraudulent accounts be investigated, removed from my credit report, and any associated negative information be corrected immediately. Please let me know if additional documentation or information is required to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX {$2600.00} XXXX XXXX {$650.00} USDEPED XXXX {$37000.00} XXXX XXXX {$24000.00} XXXX  XXXX {$1700.00} XXXX XXXX {$130.00} XXXX XXXX {$920.00} XXXX  XXXX {$1700.00}
Product: Mortgage

Wells Fargo violated the no oral modification clause in my mortgage and is not adhering to the terms of the mortgage requiring the escrow be paid in no more than 12 monthly payments. Further, the female borrower was able to amend the signed contract on a NEW escrow account and not a review of the escrow account. The male borrower required adherence to the original terms of the signed NOTE.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES ARE INQUIRIES THAT I DID NOT AUTHORIZE. THESE INQUIRIES HAVE IMPACTED MY CREDIT SCORE AND IN THE PAST YEAR I HAVE WORKED VERY HARD TO GET MY SCORE WHERE IT IS AT. 

UNAUTHORIZED CREDIT INQUIRIES : XXXX XXXX XXXX XX/XX/2021XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/2021 ( I ALREADY HAVE A XXXX XXXX CARD ) - XXXX-XX/XX/2021 ( I APPLIED AND WAS APPROVED FOR XXXX ONXX/XX/2021 BUT THERE ARE 2 INQUIRIES ONE FOR XX/XX/XXXX WHICH WAS AUTHORIZED AND ONE ONXX/XX/2021 WHICH WAS NOT AUTHORIZED ) - XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/20212021
Product: Checking or savings account

On XX/XX/XXXX, I opened an account at PNC Bank in XXXX, PA. The initial deposit was approximately {$3200.00}. Between the opening date and my departure to XXXX, no other large deposits were added. Upon arriving in XXXX, I opened an account at a XXXX bank. Prior to my first paycheck, small deposits via XXXX ( {$100.00} - {$150.00} ) were deposited to my PNC, which was linked to XXXX. I believe maybe two or three. Again, no large deposits or withdrawals. On XX/XX/XXXX, I informed PNC that I will be traveling to XXXX with a return date of XX/XX/XXXX. Their representative informed me that I would have to inform them every 30 days that I remain out of the country. I made a call to PNC on XX/XX/XXXX to update travel notification. Upon arriving in XXXX, I received two deposits ( {$100.00} & {$150.00} ). I returned back to the states on XX/XX/XXXX, for the upcoming holidays. I visited a PNC in XXXX, NJ to exchange Euros for dollars. At that time, I was informed by the teller that my account had a " hold '' status. I telephoned customer service and spoke with XXXX XXXX. He informed me that someone called PNC on XX/XX/XXXX regarding a {$1000.00} deposit that was not in the account. PNC provided a provisional deposit of {$1000.00} and on XX/XX/XXXX those funds were withdraw. Immediately, I informed them that I did not make such a request. An investigation was initiated. Mr. XXXX informed me that a HOLD would be placed on the account and to destroy my debit card. On XX/XX/XXXX, my parent informed me that a letter arrived from PNC. Again, even after the HOLD was supposedly added to my account, PNC allowed another individual to call regarding a {$1000.00} deposit. PNC provided another {$1000.00} provisional deposit. These funds were withdrawn. Now, PNC is attempting to hold me accountable for monies that they freely dispersed. The balance on the account should be no more than {$10.00}. PNC did not ask any verification of information for the imposter to PROVE that they were me on the other end of the phone. They did not ask for birth date, address, social security number, and or mother 's maiden name. They just dispersed funds freely. What has annoyed me is that they did it a second time after a HOLD was placed on the account!! I have telephoned on XX/XX/XXXX, spoke with another representative, XXXX, that informed me that fraud was " all over '' the account. She, herself, could not understand it. She wrote up a Security Incident Report, # XXXX. I did not get such a report when I spoke to XXXX XXXX on XX/XX/XXXX. This is disgraceful. I am left to believe that these fraudulent transaction are actually being done " in house ''. Why would they issue another provisional {$1000.00}?, especially if the account has a HOLD on it!
Product: Mortgage

XX/XX/XXXX, I refinanced my mortgage. Because of the way the dates fell, after payoff I was due back approximately {$1800.00} from my old lender ( Freedom Mortgage serviced by LoanCare ). One month after payoff, I called to inquire about my refund check. The XXXX rep said I had to wait 3 months before they would look into it further or reissue the check. I called back on XX/XX/XXXX. The XXXX rep had trouble finding my information because she said the loan was " closed '' and " archived '' so she had no record of it in her system. She said she 'd put in a request to have it reissued and I asked her to verify my address and she said it was correct. Weeks later ... still no check. 
I called back XX/XX/XXXX and was told the earlier Rep had " messed up '' and did n't file the proper reissue request. Then I was told my address on file was also wrong ( they had # XXXX instead of XXXX ). This Rep promised to put a rush on my reissue request. I called back last week because I still had n't received the check. This time I asked to speak to a Supervisor who claimed his name was XXXX XXXX and ID # was XXXX ( but he sounded as if he was lying ). He said my loan was closed and they did n't have access to my information. He could n't confirm the status of my refund check nor whether my address was correct. When I pleaded for help as I needed that money and asked him, would n't he follow up on nearly {$2000.00} if he was in my shoes, he said " No M'am ''. He pretended to take my email address and phone number and promised to follow up. Now nearly 7 days later and he has not followed up nor have I received my refund check. This is illegal for this company to hold my money in this way and claim to have no record of it. I can not believe this servicer is allowed to exist. They are corrupt and a total mess. I just want my money back that is rightfully mine, and I want the CFPB to investigate this company. Just look at their XXXX reviews to see how horrendous they are : XXXX They are stealing from US citizens . Now it is getting close to tax time and I was counting on these funds to pay my property taxes. What am I supposed to do?
Product: Debt collection

Back in XXXX of 2007 my bank account was levied. At first I thought it was because of my child support that was just put into arrears. I filed a motion to have it vacated because the arrears were being paid out of my pay check. When I received all the proper information it was for this debt that I do n't not owe. Now I 'm receiving threatening letters from collectors attorneys.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred.Despite having sufficient funds when transactions was authorized, I was charged fees due to lagged posting on charges and credits.This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds.I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

the co-signer on account agreed to pay and stated he did. but still got billed an attempt of debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact the data pullers below to remove my inquiries as they do not have my informed consent to use or access my credit data. I did not give them permission to access my files. I have informed both the credit bureaus and the data requestors and have gotten no resolution These instances are on my Transunion report : 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 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 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: Mortgage

On XX/XX/XXXX I sent a subpoena to JP Morgan Chase to get all records on a house I purchased on XX/XX/XXXX. I did not hear back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. An XXXX XXXX XXXX XXXX XXXX that is now closed was made in my name with my information and also a closed account with XXXX XXXX XXXX  XXXX, along with a XXXX XXXX XXXX collection which doesnt appear on my XXXX or Transunion credit reports. 

The XXXX XXXX XXXX XXXX account number is : XXXX It was opened on XX/XX/XXXX & is now closed. The account balance is {$240.00} The XXXX XXXX XXXX account number is : XXXX It was opened on XX/XX/XXXX, it is listed as an open account with a balance of {$280.00} The XXXX XXXXXXXX XXXX  XXXX account number is : XXXX This account was opened on XX/XX/XXXX It is listed as a closed account with no balance. 

These accounts was opened at a address I DO NOT LIVE AT! NEVER HAVE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries with lenders/ companies that I do not have open accounts with and they are reflecting on my credit report and it is negatively impacting my score.
Product: Vehicle loan or lease

I made the late payments and they still repossessed my vehicle and still say they know nothing about it
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am not an unauthorized third-party credit repair company. I am the actual person filing this complaint. XXXX is reporting multiple late payments on both of my accounts. I was on numerous COVID-19 hardship plans with XXXX. Once the CARES hardship programs ended, my ACH auto-draft was canceled by XXXX without my knowledge. XXXX told me that due to the CARES Act, no late payments or negative ratings would be reported to the credit bureaus. I also sent an email to XXXX 's CEO XXXX. Also, my account records show payments made for every month they are reporting late payments. I have sent numerous letters to Equifax, XXXX, and XXXX, disputing my credit report 's inaccurate late payments and inquiries. And I am asking for the late payments to be updated to never late. Each bureau is reporting different months of late payments for months that I was never late. My Letters dated XX/XX/2021 asked for verification and a reinvestigation, and over 60 days later, I have not received any response or correction from Equifax, XXXX, or XXXX. I want these late payments and inquires removed because Equifax, XXXX, and XXXX have failed to respond to my request in my XX/XX/2021 dispute letter.
Product: Credit reporting or other personal consumer reports

This is a legal/lawful notice that you are making ultra-vires actions, violating my consumer rights, and right to privacy, reporting my personal private transaction history without my written consent, 15 USC 1681 604A.

You are in violation of the 1974 Privacy Act, Section 5 specifically prohibits the disclosure of personal information without the consent of the individual concerned.

15 USC 1681 Section 602A we have the right to privacy!

The Dodd-Frank act was enacted to protect consumers rights in business transactions reported to the agencies, Section 623 54-57, emphasizing consumer signature and consent.

15 USC 1681B ( a ) ( 2 ), persons are only authorized to furnish consumer reports in accordance with written instructions of the consumer.

15 USC 1681c ( A ) ( 2 ) ( A ) ( i ), transactions in business are between the consumer and the person making the report.

15 USC 1581a, financial institutions may not report directly, disclose to a non-affiliated third any non-public personal information.

Violations of the Fact are section 623 ( a ) ( 7 ). Your institution failed to provide an early warning notice regarding any form of a debt being placed in my personal private consumer file.

These actions are causing me irreparable harm including denials to extension of my credit. You are also violating my constitutional right to contract.

Im respectfully demanding that you delete all negative information pertaining to the below mentioned accounts. You have until 10/1/24 to remove this information from my personal consumer report. Im also demanding that you send me your non-disclosure forms. I am also demanding that you send me a copy of my consumer report once you delete the negative items.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
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