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

I purchased my leased car from Hyundai Capital America on XX/XX/XXXX, via a check for {$12000.00} ( the total residual amount ). The check was cashed immediately, but I never received my title in the mail & have been in an ongoing battle this past year trying to get the documents I need. The CA XXXX said I need wet signatures on a Bill of Sale, Odometer statement, & other documents, all of which I have requested from XXXX over 2 dozen times. I have made over 50 phone calls in the past year, each time being lied to that my documents will arrive within a few business days. I received a Bill of Sale several months later on XX/XX/XXXX, ( which has now expired ) without the other required documents, so the XXXX has rejected my request for a duplicate title. On XX/XX/XXXX, I sent a packet of XXXX XXXX forms to the XXXX XXXXXXXX XXXXt via XXXX mail ( XXXX XXXX # XXXX ). I highlighted & placed Post-It notes on the areas needed to be filled out & signed. I also included a letter outlining the name of each form & what section they need to fill out in a very simplified manner. The letter was delivered on 2/6, but the XXXX claims they have not received it. On XX/XX/XXXX, I sent another certified letter ( XXXX XXXX # XXXX ) requesting a duplicate title along with a {$61.00} money order made out to the XXXX. I am attempting both approaches as a last-ditch effort. Despite dozens of attempts to resolve the issue with their customer service & escalation teams, I was met with unhelpful & unsympathetic representatives who provided me with conflicting information via scripted lines. This lack of accountability is unacceptable. I would like to request that you investigate this matter & take appropriate action to hold XXXX accountable for its poor practices. All I need is the title to the car I rightfully own.
Product: Credit reporting or other personal consumer reports

I requested XXXX to remove the inquires due to fraud, XX/XX/2024 and sent fraud report and asked to to block all inquiries due to freeze I also asked to remove all information I didn't give authority to post on my account anything that's over 7 years and I asked a full investigation properly the law states, FCRA section 605B it is illegal to report information on my credit report without my permission and I asked them to remove items
Product: Debt collection

XXXX   XXXX    XXXX   i noticed that Enhanced Recovery once again placed a debt on my credit profile that i dont owe.This company has not provided proof that im the owner of this debt, I asked this company to provide proof that they are licensed to collect debt in Louisiana, they did not. This is clearly a violation of the " Fair Credit Reporting Act ''. Please be advised that I am keeping documented proof of all contact with '' Enhanced Recovery Corporation ".
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
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: Checking or savings account

This complaint is to ensure that Chase Bank ensures proper handling of an initial and unauthorized recurring charge claims to my account by Lawnstarter.com. There are XXXX claims. XXXX claim is for {$23.00} debited from my account on XX/XX/26 & {$55.00} debited from my account on XXXX. On Friday, XX/XX/XXXX I inquired about lawn service for Sunday XX/XX/XXXX. On the morning of XX/XX/XXXX I called XXXX XXXX  to ask why no one came on Sunday and to advise that I was no longer interested. I was left on hold. After being left on hold I cancelled the service online on the morning of XX/XX/XXXX. Since then the XXXX XXXX company has continued to show up at my home and bill me while ignoring my service cancellation request. My lawn has been cut by my regular lawn service company. I never agreed to or signed up or signed for a XXXX minimum cut term. Nor have I ever received any terms and conditions stating such. Please see the attached email correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : A system error has resulted in a negative credit report that I hope to get amended. 
I leased my car in XX/XX/XXXX and was making timely payments through XXXX ' own online auto-pay function. All payments were credited on time with no issue. An internal error resulted in two payments being pulled for XX/XX/XXXX.  Subsequently, I suspended the XX/XX/XXXX payment. A second internal error cancelled the auto-payment function with NO notification. As you can imagine after 2+ years of automatic payments, I did not check. There was absolutely no email, phone or  written contact by XXXX. 

XX/XX/XXXX I received the first contact from XXXX that my payments were now late. Immediately the balance was cancelled and set up to date. Unfortunately, despite not receiving a call, email or letter prior to this my credit report was negatively impacted. I reached out directly to XXXX to attempt to clarify the situation but they were no help. 

Once my records are reviewed you will notice I have worked very diligently to make timely and responsible payments and maintain a clean credit report. I am aware that there are individuals that intentionally miss payments and try to manipulate the system. I would not be wasting my time or your if this were the case. Please remove this negative report from by credit score as I should not be faulted for a system error.
Product: Mortgage

I was notified of unclaimed property which turned out to be an escrow refund. I was told in XXXX of 2024 I would get the refund check in 4-6 weeks. I emailed them in XXXX and was told by them I would get a check in another 4-6 weeks. I still have not received a check from them. They have refused to reply to any of my email since then. Below is a copy of the last email I received from them on XX/XX/year>. 


Hello, Thank you for the information! 

Your check will be reissued. Please allow 4-6 weeks from the date of this reply for delivery. 



We appreciate your patience and understanding! We are currently experiencing high volume and are working as quickly as possible to process the checks. 



Have a great day! 



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

I am XXXX XXXX, and I am the author and owner of the account listed within this complaint. 

This is not a duplicate. 

This complaint is based on a Tradeline reporting on my credit report, from the Original Creditor - XXXX XXXX. This account, was opened in XXXX, and closed in XXXX. 

It is still appearing on my Equifax report. A dispute was filed with Equifax directly, but it remains. 

XXXX  XXXX - is still sending the Tradeline, with a Last Reported date of XX/XX/XXXX in my screen shots from XXXX, and my equifax.com. 

The general rule for retention is - at maximum, this alleged positive account - will remain on file for 10 years. 

Its been almost 14. 

Additionally, and even though this account is closed - this tradeline is being reported as - 1. Elements of an OPEN ( not closed ) Account 2. Having Available Credit = XXXX 3. Credit Limit of XXXX 4. NO PAY HISTORY - no CLS, Pay Rating Please delete this aged out account, that is reported inaccurately to begin with.
Product: Payday loan, title loan, or personal loan

Dear, CEO/ Superior Party of XXXX XXXX As a federally protected consumer, XXXX XXXX XXXX was denied an extension of credit by XXXX XXXX XXXX I submitted an application to extend credit on XX/XX/2023 I was denied. I received a email stating that XXXX XXXX used a host of Determination factors with a lot of third-party companies : Clarity, factor Trust etc. , just to name a few. They used outside parties violating my consumer report to come up with a decision on this matter. As you may be aware, an adverse action against a consumer is against Federal Law. Pursuant to 15 USC 1691 ( a ) ( 3 ), I have been violated, I have also been discriminated against. I have the right to credit under the Truth In Lending Act, 15 USC 1602 ( f ). I understand what a credit card is and that used my credit to card to credit this transaction., pursuant to 15 USC 1602 ( I ). Furthermore, you proclaiming an adverse action against me is unauthorized use of my credit card from which, I received no benefit, pursuant to 15 USC 1602 ( p ). According to 12 CFR 34.3 ; A bank may use any reasonable method to determine a borrowers ability to repay, including, for example, the borrowers current and expected income, current and expected cash flows, net worth, other relevant financial resources, current financial obligations, employment status, credit history, or other relevant factors. Also, thats not talk about how you used 12 CFR 1002 Denial of Credit= Discrimination against me about this matter as well. This is an attempt to give XXXX XXXX an opportunity to rectify this situation. My intent of this letter is to benefit from a fair honorable transaction, through ta right granted to me according to law. You should resort to reasonable procedures to rectify my affairs and compensate me for the use of my social security number otherwise it would be considered unauthorized use since Ive received NO BENEFIT. You have 7 calendar days from the receipt of this letter to reverse your illegal adverse action against me and approve the extension of credit. If you do not you will be held civilly liable in accordance with 15 USC 1691e ( a ) and ( b ) for violation the law. I will then follow with an invoice to collect actual damages for each violation. XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 USC & 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. These fraudulent, inaccurate, and false information consists of personal loans, credit cards and auto loans. Following accounts XXXX XXXX XXXX XXXX XXXX XXXX xxxxxxx 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: Debt collection

XXXX XXXX  /and debt XXXX  sued me with out first sending me a XXXX notification I have not received any type of info from them
Product: Credit card

I reached out to USAA about a promotional 0 % interest card on XX/XX/year>. I submitted a balance transfer to a telephone representative on that day. I was told the transfer to my new USAA card was submitted to the other card to finish the process and the amount of months my 0 % interest .would be available. Upon receiving my first statement in early XXXX I noticed the only amount on there was the was few purchases I made. When I contacted USAA on XX/XX/XXXX I was told they have no record of a balance transfer, I was never contacted by anyone at USAA stating that there was a problem with the transfer or that it wasn't submitted. Obviously the associate I interacted with on XX/XX/XXXX just signed me up for a card at 16 % interest and did not submit the balance transfer. I immediately closed my USAA card which will most likely affect my credit score. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute a unauthorized inquiry on my report and they asked for a letter that Ive sent out to get things taken off and they never received it somehow. They revert me to XXXX  XXXX where i got the inquiry from and XXXX  XXXX  tells me to call equifax to get the inquiry removed and equifax tells me to call XXXX  XXXX. Its a cat and mouse game with them and they wont just remove my inquiry off my report no matter what i do.
Product: Money transfer, virtual currency, or money service

The complaint is in regards to accepting credit cards ( processors ). Amex put myself and relatives on a MATCH/TMF  list even though my family members were never part of the business. I don't owe the company any money and I can't do business as a result of being blacklisted by American Express Merchant Service.
Product: Checking or savings account

A check was stolen from the mail. The check was whitewashed and the person who stole the check put their name on the check and cashed it. I could not identify this fraud because I do banking online and the check was not available to see. When I called the representative from the bank, he informed me that the check was cashed but neglected to tell me that the check was cashed by someone else not the person I wrote the check out to. After providing all the information that the bank requested including a police report of the fraud. The bank has refused my claim without an explanation.
Product: Credit reporting or other personal consumer reports

This is absolutely stressing me out. My loan applications are being turned down because of inaccuracies in my XXXX XXXX. Despite meeting all my financial responsibilities, these errors have hindered my ability to obtain loans and have been incredibly frustrating.
Product: Bank account or service

I went to the bank and made a cash withdrawal from my checking account. After I left the counter, I decided I did not need the total amount, so I stopped at the ATM and made a cash deposit of {$500.00}. The following day, I saw that the deposit had not been credited to my account and I made a complaint to the bank. They told me {$40.00} had been credited to my ATM card and they had no record of the rest of the deposit. I filed a dispute. The bank said they investigated and there was no error on the ATM machine. They have refused to tell me the basis for their decision and will not review the videotape which would show me making the deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties. THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to the recent investigation, I would like to express my disagreement with your findings and request that you ensure complete accuracy. I feel that not enough was done to contact the creditors/agencies that have reported negative information on my credit report. As a result, I am now requesting more information about these particular items. I need the following items corrected as soon as possible : XXXX XXXX Balance Owed : {$230000.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. As per 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please inform me once the items have been updated or erased. Afterward, kindly send me an updated copy of my credit report to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rise account was opened in my name years ago via identify theft. Report was filed and company absolved me from the debt and verified it was fraud but yet continued to sell the debt to collection agencys who is trying to collect on this debt that isnt mine currently. They readded this identify theft under the new collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$10000.00}, {$22000.00}, {$0.00}, {$19000.00}, {$0.00}, {$35000.00}, {$13000.00}, {$12000.00}, {$25000.00}, {$23000.00}, {$460.00}, {$19000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 


-- PERSONAL LOANS 6. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$35000.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

9. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

10. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

11. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 12. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$460.00} -This is not my account. 

13. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account.
Product: Debt collection

XXXX XXXX soon after my visit sent my account to collections without contacting me in writing after disputing charges. 
When I received the original bill i was being charged for Doctor I never saw. I disputed it with the hospital. I saw a nurse practitioner and was charged for XXXX XXXX XXXX XXXX XXXX when I received XXXX XXXX XXXX XXXX. It was soon after sent to collections. When I was contacted by collections I informed them my bill was incorrect and I asked for an itemized list. They told me I needed to dispute w/ hospital. They have now sold my account to Phoenix Financial Services LLC that is asking for a new higher amount.
Product: Credit reporting or other personal consumer reports

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report.
Product: Mortgage

My mortgage servicer is Servis One, Inc ( dba BSI Financial Services ) and I am trying to contact them to remove my private mortgage insurance ( PMI ). 

The below email was sent on XX/XX/2023 through the BSI Financial Services website. I have not received a response. 

> Hi, > > The value of my home is currently estimated at $ XXXX, XXXX. Given my outstanding principle of $ XXXX, XXXX, my equity now covers 31 % of the loan value. Can my PMI be removed? 
XXXX XXXX Thanks, > <SIGNATURE> I followed up by sending a letter via certified mail with additional detail about my home 's current value and my intent to remove my PMI. This letter was certified as received on XX/XX/2023. As of today ( XX/XX/2023 ), BSI Financial Services has yet to contact me with acknowledgement of my request. BSI Financial Services doesn't provide any other options for contacting them -- the phone number for their " Customer Care Phone '' is only capable of providing a small number of automated responses. 

In total, BSI Financial Services has failed to provide acknowledgement of any form for over 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 

Respectfully, XXXX XXXX XXXX