23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Automobile dealers, used Contact Information XXXX XXXX XXXX XXXX XXXX XXXX   CA XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX BYMAILONLY inquiries Potentially Negative show tooltip button XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i was out of the country, due to XXXX XXXX XXXX XXXX XXXX XXXX before i could return, i tried making the payment thru the system online, since i was out the country it didn't let me access my account, i was trying to call as well with no response from the company, as soon as i landed i paid the payment back in XXXX 2021. they have placed a late payment on my credit over this. i was never aware.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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

PNC is trying to collect an illegal debt. The debt was charged illegally, pnc had admitted this, and then ignored all other attempts and sent false documents to the CFPB. PNC has broken atm machines, and blames customers. PNC is literally stealing money. What are they doing when atms dont accept cash, but the same atm allows cash withdrawals? Why does pnc send fake accounts to collections agencys? Why does PNC submit false documents to the CFPB. Why does pnc not respond to any concerns? 

PNC has sent documents to the CFPB claims this debt has been sent off to collects to CCs. 

As detailed in our response dated XX/XX/2022, the Spend was closed by PNC on XX/XX/2022, with a balance owed of {$69.00}. PNC did not receive payment for this balance and forwarded the account to XXXX for collection. They can be reached at XXXX. 

PNC has STILL collected on this debt that they no longer Owe, and that they sold. It was put into my collections, and I was harassed over the illegal fee. PNC is holding my money captive and refuses to communicate with me over a mutually recorded phone line, or email. It has to be only recorded on their end, and this I do not accept and is, again, illegal in many states. And I have email proof of them denying these communication methods, then theyll the CFPB they could not contact me. 

PNC is blatantly breaking the law, lying to the cfpb, reporting false accounts to collections, collecting money they dont have accounts to, not returning it like a normal bank does, and are stealing customers money It has been over almost three months now. The money should be returned with interest. 

bank reference ID XXXX. 
Total amount {$290.00} Mailing adress is : XXXX XXXX XXXX XXXX, XXXX MD, XXXX.
Product: Credit reporting

I do not want to be a victim of identity theft and I do not wish to receive any offers of credit in the mail or email. Please help me in stopping them. Thanks. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filled disputes with the credit agencies via the CPFB web site, each agency, the date of submission and the CPFB case number is listed below XXXX XXXX XXXXXXXX XXXX XXXX However XXXX the credit bureaus said they completed my investigation and everything was 100 % accurate for majority of the items that I disputed. 
According to 15 U.S. Code 1681a - Definitions ; rules of construction The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 
How did they complete this investigation? 
Did they only communicate with the companies listed on my credit report to verify information? 
Which one of my neighbors, friends or associates did they have a personal interview with? 

In the complaint I sent, the below accounts on my credit report were being disputed. 
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: Vehicle loan or lease

On XX/XX/XXXX I paid off the amount in full to Toyota Financial services. 
Since then I am trying to get my title and to no avail. I was calling every week to check when I will get my title. 
They told me I was calling to inquire about it, but never requested the title even though I was asking every time when will I receive the title. Finally someone helped removing the lean and sending the electronic title to the DMV ( according to them to GA dmv ).

When I called GA dmv they said they dont receive electronic titles, just hard copy. 
I am keep calling Toyota and the person there does pick up the phone, but not talking ( called XXXX already ).
Product: Checking or savings account

Subject : Urgent : Unresolved Refund Issue - Case XXXX Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern and frustration regarding the unresolved matter of an unauthorized transaction on my account, which involved XXXX. 

On XXXX an unauthorized transaction amounting to {$61.00} occurred on my PayPal account linked to my XXXX account. I promptly reported this incident to both XXXX and PayPal, providing multiple receipts from XXXX confirming the refund process initiated on XX/XX/2024. 

Despite XXXX 's timely action in refunding the amount, I am dismayed to inform you that PayPal has not released the funds back to my account. It has been over a week since the refund was initiated, and the delay in processing this refund is causing significant inconvenience. 

I have attached all the necessary documents, including receipts and communication from XXXX, to facilitate a swift resolution. I kindly request your immediate attention to this matter and urge PayPal to release the funds without further delay. 

I appreciate your prompt assistance in resolving this issue and look forward to a positive resolution.
Product: Vehicle loan or lease

I am due to make the final payment on my car loan, with Credit Acceptance, on XX/XX/XXXX. According to their web site my final balance is {$440.00}. A few weeks ago I called them to verify the balance on my loan. The agent would not give me the information I requested. She kept dancing around the issue and saying she couldn't give me an amount until XX/XX/XXXX, when my payment was due. I made the XXXX payment on XX/XX/XXXX. She just wanted to talk about a past due payment they say I owe. In XX/XX/XXXX they added {$620.00} to my account from a repossession in XXXX. I retrieved the car. I have made a total of {$740.00} extra on my payments since XXXX, XXXX. I should not owe {$120.00} past due. I haven't missed a payment since XXXX. They have continually given me problems when I call and won't answer my questions. In XXXX the site listed {$190.00} past due. Today it was {$320.00}. It changes daily going up and down. I have asked if that is part of my balance or extra. They won't answer my direct question. I live on Social Security and need the information I asked for so I can make my final payment on XX/XX/XXXX. They take advantage of people who have financial problems and during the past two years, with COVID, they won't help me. I have paid 29 % interest for 65 months. XXXX is the end of my contract. Please help me.
Product: Money transfer, virtual currency, or money service

I am writing formally express my concerns regarding Zelles 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing accounts with Experian, XXXX and XXXX in the last 2 months, The have not yet conducted an investigation nor the comments read " in dispute. '' They are now in violation of the FCRA
Product: Student loan

Navient is making it impossible for me to pay back my loans. I called navient to try to set up a payment arrangement. The person told me that my loans are not with navient yet they are still with XXXX. I called XXXX and they of course say navient has my loans. No one can tell me where my loans are so that i may start paying them back. And i have not recieved any current statements or letters.
Product: Mortgage

In XX/XX/XXXX I requested for loan modification due to I was laid off XX/XX/XXXX and new job less half income. My account remained current in XXXX I received approval for trial payments. Per the letter step 1 I was to make payment no later than XX/XX/XXXX. I made the payment of XXXX as indicated by the date on letter even though trial was not to start until XXXX. I made 2nd payment XX/XX/XXXX and 3rd payment XX/XX/XXXX. US Bank reported me 30 days late for XXXX payment. If the letter had not indicated to make trial by XXXX I would have made my regular payment as always and trial on XXXX but that is not what the letter stated and US Bank will not correct I believe this is unfair and deceptive as the letter stated step 1 pay by XXXX
Product: Vehicle loan or lease

On XX/XX/2018 I purchased a new vehicle from XXXX XXXX XXXX off XXXX XXXX in XXXX. The sales man called XXXX XXXX XXXX to get my payoff on that day which was {$12000.00}, but failed to inform me they did not process the payment until XX/XX/XXXX. Causing more interest to acrue on the loan making it that they left a balance of {$150.00}. That balance then continued to increase with late fees until they FINALLY paid the account down to {$0.00} on XX/XX/XXXX. Not to my knowledge until XXXX called me saying the payment was late in mid XXXX was I aware of this, I immediately text the sales agent and informed him, he said he would get right on the matter and assured me again the issue was handled and he would overnight a payment to XXXX. It was not till middle of XXXX that I reviewed the credit report and saw the late payment on my credit report. I have since called XXXX and XXXX XXXX XXXX multiple times. Some of the representatives say they are helping and will have it removed, while others have said that they can't resolve the issue and transfer me to another department, I have exhausted all other resources, as I would have liked them to resolve their mistakes. I have never had ANY late payments on this account.
Product: Bank account or service

Scottrade is good in that it offers good promotions. 2 months of free trading practically and a bonus once you bring in new money. I 've done several XXXX trades with Scottrade, and the executions seemed ok for the most part. Free trades are always good to have but yes they will eventually run out. 

The XXXX complaint I do have with Scottrade is that withdrawal limits are extremely low. First you have to transfer your funds from your brokerage account to your scottrade bank account, which takes a few seconds, so that 's not a big deal. But the limits are as follows to withdraw from your Scottrade bank account to your external bank account via ACH - $ XXXX max per day and $ XXXX max per rolling week and $ XXXX max per rolling month. So if you have a $ XXXX portfolio, for example, and want to extract your funds, you have to either get a check from them, or go to their office and get a wire transfer form. They may waive the fee for it, but your receiving institution will still charge a small fee perhaps. It 's just a hassle. I know XXXX and XXXX have very generous ACH external transfer limits. Scottrade, on the other hand, should learn from the big boys.
Product: Credit card

I received a letter dated XXXX/XXXX/2016 stating that my Target red card had been closed due to too many returned payments I immediately called target red card customer service to see what had occurred because I have n't had this issue before they then stated that this had also occurred back in XXXX because my checking account was closed and or frozen I stated that it wasnt and that i hadnt had any similar problems like this with any of my other creditors he then conferenced called my financial institution which they confirmed that my account was n't closed nor frozen but in fact the issue which was causing them to receive that error code thus subsequently returning payments was because my checking account did n't have check writing capabilities which they were initiating payments as a check and could only be used to make payments using the debit option I asked for my account to be reopened but the customer service agent was n't willing to help with that request
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is a formal Notice of Dispute regarding the alleged debt reported to the credit bureaus by your company. Under federal law, including the Truth in Lending Act ( 15 U.S.C. 1635 ( a ) and 1605 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), I am exercising my rights to dispute the validity of this debt and demand a detailed investigation of the information provided in my credit report.

Specific Grounds for Dispute XXXX. Conflicting and Inconsistent Information The account details you have furnished to the credit reporting agencies contain discrepancies, as outlined below : The balance update date differs across reports ( e.g., XX/XX/year>, vs. XX/XX/year> ). 

The status descriptions are inconsistent ( e.g., " 90 days past due, '' " not more than four payments past due, '' and " open, {$3900.00} past due as of XX/XX/year> '' ). 

The contact information listed differs between reports ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These discrepancies suggest that inaccurate information is being reported, which violates the Fair Credit Reporting Act ( FCRA ). 

XXXX. Failure to Comply with Federal Disclosure Requirements Under 15 U.S.C. 1635 ( a ) and 1605, you are required to provide clear and accurate disclosures regarding the terms and status of the loan. Any failure to do so renders the debt in question invalid or unenforceable. 

XXXX. Cease Communication Request Pursuant to 15 U.S.C. 1692c ( c ), I formally request that you cease all communication with me regarding this alleged debt, except as required to comply with this Notice of Dispute.

Demands To resolve this dispute, I request the following : Validation of Debt : Provide all original documentation proving the validity of this debt, including the original loan agreement, payment history, and an itemized breakdown of the principal and interest per 15 U.S.C. 1605.

Correction of Inaccuracies : Rectify all inconsistencies in the reported information and ensure that accurate data is submitted to all credit reporting agencies.

Written Confirmation : Confirm in writing that the disputed information has been corrected or removed entirely from my credit report.

Notice of Legal Action Failure to adequately respond to this dispute within 15 days of receipt of this notice may result in : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and relevant state authorities. 
Legal action to enforce my rights under the Truth in Lending Act, Fair Debt Collection Practices Act, and Fair Credit Reporting Act. 

I expect your written response within 15 days from the receipt of this letter. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 603A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/or authorized the release if any goods or materials under these listed accounts. I wish to dispute these fraudulent items under the provisions of the law and am requesting a free copy of my report and all information related in this matter. 

The fraudulent accounts are as follows : XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX 2020, I filed a dispute with this credit bureaus about the inaccurately reported account : US BKPT CT MS XXXX. There are inconsistent reference numbers reporting on my credit report which is a violation of the FCRA. on XXXX  it says XXXX and on equifax and XXXX  it says XXXX. 
In over several months I have yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in these months. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this inaccurate account as of today. 
Thank you
Product: Student loan

This is in reference to a deferred loan that isn't due until XX/XX/2022. 
I have asked the creditor to send a statement about loan with the following information included ; outstanding balance information, amount due and payment due date. I can not resolve any issues with this creditor without this information. I can not access my account. 

Sallie Mae has sent notification letters about past due account without providing the amount past due or past due date. I need this information to proceed, if necessary. 

Sallie Mae has refused to provide me with the necessary information to review my account and resolve any issues of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letters to XXXX, XXXX, and Experian via certified mail to validate a collection account that suddenly appeared on my credit report by XXXX XXXX and have been unsuccessful with getting a human response outlining how they verified the collection account that they placed on my credit report. I understand that for anything to be placed on a consumer 's credit report, that the credit reporting agency by law must follow proper procedures before posting anything on a consumer 's credit report, as well as provide proof that what they are reporting has been properly verified. To date ( XX/XX/23 ) I have not received any evidence from XXXX, XXXX, and Experian that they have followed such procedures before placing the collection account on my credit report, which is why I am now reaching out to the CFPB for assistance. 

In my validation request sent via certified mail to XXXX, XXXX, and Experian I asked for the following information concerning the collection account they are reporting : 1 ) The original contract from the original creditor with my wet signature on it. 
2 ) The full payment history from the original creditor.

3 ) The proof of debt assignment outlining how and when the alleged debt was obtained by XXXX XXXX and what address XXXX XXXX used to send their notification ( s ) informing me that they are attempting to collect this alleged debt. 

As a consumer, this collection account appearing on my XXXX, XXXX, and Experian credit report has prohibited my ability to obtain any new credit as well as rendered me unable to obtain a mortgage thus forcing me to pay high monthly rental payments to house my family.
Product: Debt collection

This collection is not mine nor do I have knowledge of this account. I requested for this account to present my signature for said account or delete the account.
Product: Debt collection

Well there was an accident on XX/XX/XXXX Has nothing to do with me i dont even remember what cars my insurance company said was involved but it was not involving my car i insure a XXXX XXXX XXXX  my car or myself was not involved what so ever. Now the person they said was involved was a XXXX XXXX i was living in a transitional home and a bunch of people lived there i did not know her personally or have even spoken to her and on my insurance policy she was listed as an excluded driver along with others but ive never met her we somehow have the same last name and i am not related to her in any way i dont even know how im involved at all now i got a letter stating driver license suspension request and claim settlement offer of {$9700.00} that i have to pay and i work as a driver this is messing with my livelihood i have a child to provide for and i shouldnt have to pay for something i was never involved in and didnt do
Product: Credit card or prepaid card

Someone also applied for a credit card in my name with JPMCB - CARD SERVICES on XX/XX/2021 and have a balance of {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX has placed an erroneous collection on my Transunion credit report. I have never given this company permission to furnish or access any of my personal information nor share it with anyone. This information has been removed from my other consumer reports due to fraudulent and or inaccurate reporting. I have never provided this company with my personal information nor have I ever consented to contract with XXXX XXXX XXXX. This company has accessed my personal information through a third party and has now decided to erroneously place a negative item on my consumer report. This is a violation of my privacy. See : privacy act of 1974etc. This company can not provide a written contract and I have sent numerous request to the credit reporting agency and the alleged creditor and they have failed to provide me with competent proof of claim or information they utilized to verify such claim.