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

On XX/XX/XXXX I bought a XXXX XXXX from XXXX XXXX in XXXX, WI, That process went smoothly, the issue is with the bank that XXXX used to finance the purchase. Huntington Bank is the institution that XXXX used for the purchase. Huntington Bank is refusing to provide me a paper title in a timely fashion so that I can title the vehicle in my home state ( Oklahoma ). 

I contacted Huntington Bank on XX/XX/XXXX to formally request my title, the bank at first refused since the state of WI uses electronic titles. After being sent to a supervisor and restating my case they said they would make the request to the state of WI but it would take 30-45 days to get the title. I advised them that wont work, due to Oklahoma law I am required to title my vehicle and pay the tag, title, registration, excise tax and sales tax within 30 days of purchase which is due by XX/XX/XXXX. After that point I am in penalty state and have to pay a daily accruing penalty of {$5.00} per day on the taxes and fees. My vehicle is also now eligible to be stopped, myself ticketed and the vehicle towed and impounded and held until I can present a paper title to show proof of ownership. Those daily fees can be near the $ XXXX {$100.00} amount on a daily basis. 

I have involved XXXX the finance manager at XXXX and she has done everything in her power to try and assist as well but to no avail, Huntington Bank is holding my title ransom. Even with me formally requesting the title be sent to me on XX/XX/XXXX they didnt even process the request until XX/XX/XXXX. Even now Huntington is refusing to send me the title which by Oklahoma Law they are required to do, they are trying to send it to the state of Oklahoma DMV which in the state of Oklahoma has no involvement with our vehicle purchases, they only handle our driving license process. In Oklahoma we the vehicle owner have to go in person to a local tag agent and present the title with our purchase paperwork to the agent, pay the dues that are required and then we get a tag for the vehicle and 7-10 days later we get a new paper title in the mail with any applicable liens noted on the paper title. 

We have made multiple attempts to contact Huntington Bank with no change in their resolution, they are still telling us it will be 30-45 days ( Some time at the beginning of XXXX ) before we will get the title. I just received a letter dated XX/XX/XXXX stating that same info, and that it will be 30-45 days before they send the title out to me. 

The state of Wisconsin vehicle titling department told XXXX at XXXX XXXX they will send the title out the same day they receive the request from the bank and that the process should not take as long as the bank is advising and that it seems the bank is delaying the process. 

As an Oklahoma resident and this being the state the vehicle will reside in now, I need some help in getting my title. I have exhausted every means possible to work thru Huntington Bank and they are refusing to budge and are continuing to violate the laws of Oklahoma in which I am regulated under.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not initiate these inquiries section 1681b ( c ). no permissible purpose. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please kindly check the FTC REPORT I ATTACHED
Product: Checking or savings account

I've banked with USAA for over 10 years. After an attempt to bank with XXXX  XXXX XXXX, I changed my mind because of poor customer service. I should have a total of over 35k in my account ; I should be able to access that account since over $ 25k of that amount was already in my USAA account. As of yesterday XX/XX/20, I had no warning call, no email, no text and my card was declined. I am since that time also unable to access my accounts online. When I call in, the prompt tells me to call back : tomorrow, during business hours XXXX which I'm calling within ). I finally get a live Rep and they tell me that the prompt on their screen insists they read to me the following : " I'll be transferring you to a specialist ... '' and when the live Rep transfers me, the line disconnects or tells me to call back tomorrow. I have started recording these calls as I'm at a loss for what is happening.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT, PURSUANT TO SECTION 605B YOU MUST REMOVE THE FRAUDULENT INQUIRIES. INQUIRIES THAT ARE FRAUDULENT ARE : 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 card or prepaid card

I filed an unauthorized withdraw from my Cash App card a month ago. And still haven't heard a word.It was for {$130.00} XXXX know the name of the company that is responsible for this.. Also Cash App has shorted my balance by {$100.00}. And they drag out the process of making this right. For days! I mainly would just like to get the word out.To not do business with Cash App.Their customer service is the worst of any. XXXX XXXX XXXX XXXX
Product: Debt collection

I called Online Information services XX/XX/2020. My intention was to advise I was in receipt of their mailing postmarked XX/XX/2020 in response to my certified dispute letter and to advise the response was incomplete! The agent took my call at approximately XXXX cst. The agent quoted the Mini Miranda followed by a request to record the call! I agreed to the recording of the call and advised the  agent I would be recording the call as well for my records! The agent immediately disapproved of me recording the call so I withdrew my initial consent to being recorded! I subsequently declined a inbound call back XXXX considering the potential of fraud from being a previous victim of Id theft ) and requested a direct line to a supervisor! The company/agent did not have protocol in place to respond to my request and continued recording the call! She placed me on hold for close to 5 minutes before returning to the call with a generic Hello? ... Hello? then proceeded to deliberately disregard my verbal responses to her Hello terminating the call prematurely with no explanation or salutation! I initiated a 2nd call to alert a supervisor on duty that a rep violated the FDCPA and was advised by an operator This is Collections and NOT Customer service ... the operator placed me on hold for 10 minutes then transferred me to a managers voicemail where I left a message that has yet to be returned. This company has provided no validation or verification of debt and refuses to comply with my request via telephone or mail! The company is reporting 2 trade lines and was sent 2 dispute letters but  combined the response on a vague printout. Attached is a printout of the paperwork sent to me
Product: Student loan

My student loans were in default. I entered into a payment plan with Pioneer Credit Recovery. I have been faithfully making monthly payments of {$33.00}. Now my loans are out of default. I received a letter from XXXX, the Student Loan Servicer with the Department of Education. XXXX says I owe {$33.00} a month and that I am behind by {$33.00}. Pioneer is still taking {$33.00} out of my checking account and is not forwarding the {$33.00} payment to XXXX. I would like Pioneer to forward the {$33.00} monthly payments that I have been making to them and give the money to XXXX. I spoke with XXXX at XXXX and was told that Pioneer did not send the {$33.00} monthly payments to XXXX. I can be reached at XXXX. XXXX says they have not been receiving my {$33.00} payments from Pioneer.
Product: Credit card

While checking my credit report I noticed 4 fraudulent hard inquiries that I never made. I noticed 3 hard inquiries from XXXX XXXX XXXX two on XXXX and one on XXXX and 1 Discover Bank  on XXXX. I have no knowledge of these hard inquiries and they are the result of identity theft and they must be removed within 4 business days as per the 15 U.S Code 1681c-2. I have file a complaint with the Federal Trade Commission and will attach the report.
Product: Checking or savings account

As I have stated in the last several complaints on Sofi denying transactions I was a victim of a scam and fraudulent money transfers to people I do not know nor even did. I never gave anyone my login details and if they looked at the IP address device details and location they would see it wasnt me. They say I have not provided proof of the scam which I have twice already and have the emails to prove it and as for the fraudulent money transfers I want proof to what the account number is it was sent to since I have no information on this. Maybe Sofi doesnt comprehend that now these days phones can be cloned and the owner of the original wouldnt even know and the cloned phone is identical with all information and have text messages forwarded to them and not the original phone. I was getting random codes when I wasnt even near my phone but just erased them cause I didnt request it. I am a victim of a scam and fraud I have reported these transactions to IC3.gov which works with the FBI I gave them all the information I have on these scammers. All I want is whats mine back from these scammers and these people that fraudulently sent the unauthorized fraudulent money transfers which is in the Electronic money transfer act but Sofi just ignores the fact that theres laws rules and regulations in place for them to fallow
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly. I've attached letters I sent over 50 days ago and including a new set of letters demanding a response
Product: Credit reporting or other personal consumer reports

XXXX and showing paid on time on XXXX. I have never been late XXXX said : XXXX Capital One is incorrectly reporting a late payment for XX/XX/year> on my credit report, which is completely inaccurate as I have never missed or been late with any payments. Upon reviewing my credit reports, I noticed the discrepancy : XXXX and XXXX are reflecting this payment as late, while XXXX correctly shows it as paid on time. This inconsistency is concerning, as I have always maintained a perfect payment history. I need assistance in resolving this error to ensure my credit profile reflects accurate information across all three bureaus. This matter is urgent, as it could negatively impact my credit score and future financial opportunities.
Product: Credit reporting or other personal consumer reports

Account was closed by creditor but there still reporting which is illegal. I want them to pay for damaging my credit score
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2023 and XX/XX/2023 to XX/XX/2023 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 


XXXX XXXXXXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXXXX/XX/XXXX {$1500.00} XXXX XXXX XXXX  {$15000.00} XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. 
These accounts listed below are fraudulent : XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX. 
{$2000.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$11000.00} These accounts were made. I file a police report when my identity was stolen and I have a DC number attached. 
DC # XXXX XXXX XXXX.
Product: Debt collection

Contacted XXXX XXXX XXXX  to get more information about the Dr. bill back in XXXX and we still have not received anything verifying the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is not reporting open account or accurate balance on the XXXX credit report. XXXX and XXXX is reporting my open mortgage account accurately. Ive contacted Wells Fargo multiple times with no resolution. Ive also contacted XXXX who directed me back to Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 10. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

12. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

13. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

15. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

16. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

17. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

19. Validate Account XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

20. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

21. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

22. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting

Hello, Transunion continues to provide false and inaccurate consumer information in regards to my accounts as listed below : 1. XXXX XXXX XXXX. The account balance and payment history are incorrect as previously disputed. Account is current. This item must be updated or removed. 

2. XXXX Bank Account # XXXX. This account is current and the account balance is inaccurate. This must be updated or removed. 

Thank you for your assistance in getting these matters resolved.
Product: Credit card or prepaid card

Monday, XX/XX/XXXX In XX/XX/XXXX, I contacted the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX | XXXXXXXX XXXX XXXXXXXX, ( XXXX ) XXXX |Fax : ( XXXX ) XXXX. Informed me on XX/XX/XXXX they send Comenity Bank a letter regarding this matter, and if it still wasn't resolved, contact the Consumer Finance Protection Bureau. 

The XXXX account with Comenity Bank in XXXX ; the payments were on time. However, instead of XXXX placing the funds toward the XXXX account, the funds were attached to the XXXX account, which was also XXXX ; no clarification how that happened. In the meantime, I wrote a letter to close the account until the matter was resolved. 

The balance has been XXXX for at least several months ; Comenity Bank informed me to reactivate the account, I would need to write a letter stating to activate the following cards XXXX, XXXX, and XXXX. As Comenity Bank advised, XXXX XXXX, I wrote a letter ; however, XXXX months have passed since I wrote it the letter, and the few times they were called, they still will not remove the code. In addition, Comenity Bank never provided any feedback regarding the letter or the account.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized credit accounts that have appeared on my credit report. Upon reviewing my credit report, I noticed that several credit cards such as XXXX XXXX opened XX/XX/year>, XXXX XXXX opened in XX/XX/year>, XXXX XXXX open XX/XX/year> which was opened in my name without my approval or consent. These accounts are not ones that I authorized, and I believe that I have been a victim of identity theft. 

I suspect that my personal information was compromised in a recent data breach, leading to the opening of these fraudulent accounts. As a result, these accounts are adversely affecting my credit file, and I am requesting that they be removed in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), which allows victims of identity theft to have fraudulent information removed from their credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXXXXXX 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: Student loan

Nelnet is purposely making repayment in full impossible in order to add additional balances under the guise of " accrued interest. '' Nelnet does not have a " Pay in full, '' option - instead the site directs borrowers to calculate a " Payoff Amount '' as of a certain date. On XX/XX/XXXX, I selected XX/XX/XXXX as the " Payoff Date, '' obtained the " Pay in Full '' balance in the approximate amount of {$9600.00}, and submitted that amount as payment. When I logged in the following week, it showed a balance of approximately {$51.00}. This amount would represent approximately XXXX full months of interest. Frustrated, I attempted to call the servicer - I was on hold for over XXXX hours and gave up. Although I believe adding a full month of interest within XXXX week is fraudulent- I didn't want to fight over {$50.00} so I tried again to pay the account in full. I set up a " Payoff Date '' of a little more than a week in the future ( for XX/XX/XXXX ). It would NOT let me pay any more than what was indicated as owed ( for example, I tried to pay {$60.00} for the " payoff amount '' of {$58.00} to avoid more " accrued interest '' but it would not let me- it only allowed me to pay the " Estimated Payoff Amount '' as of XX/XX/XXXX ). I logged in on XX/XX/XXXX - each loan group had a balance of {$0.00} and indicated " Paid in Full '' under repayment status. I thought it was odd that I did not receive a payment in full email confirmation, so I logged back in on XX/XX/XXXX to find more " accrued interest, '' this time in the amount of {$.00} on XXXX of the loans. This is fraudulent, inaccurate, and a deliberate scam to milk honest borrowers out of every possible cent. I emailed, attempted to call ( on hold again! ), and tried their joke of a chat bot. No response.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored. 

Inaccurate Public Record ( Bankruptcy ) XXXX XXXX XXXX - XXXX XXXX - XXXX - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX Balance : {$18000.00}.