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

On XX/XX/XXXX my wife and I signed a Bill of Sale for the purchase a boat from a private seller. The sellers had a lien on the title. We decided to use the same bank the sellers used to facilitate a seamless transfer of the title, registration, and sale of the boat. 

The bank we used was SouthState Bank and we chose the branch at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. The branch manager, XXXX XXXX, assisted with the loan process from start to finish. 

We closed on the loan on XX/XX/XXXX at the branch with the sellers present. Including in the documents we signed was an application with the North Carolina XXXX XXXX for a three year boat registration and gave XXXX a check for {$180.00} to cover the fees. She informed us that their back office handles the title transfer and boat registration and we had nothing else to do. 

While the NC XXXX processes the registration, we are given a XXXX grace period to use the boat as long as the Bill of Sale was on board while boating. During that period we had not received the boat registration. 

On XX/XX/XXXX, XXXX days after our grace period ended, I emailed XXXX informing her that we had not received the registration. I did not receive a response. I then called XXXX directly on XX/XX/XXXX and left a voice message indicating the same. I did not receive a response. I later sent a follow up email on XX/XX/XXXX. XXXX finally responded on XX/XX/XXXX, 32 days after my initial inquiry. 

XXXX informed me her " ... loan booking department stated Title was mailed to seller ... '' This was a mistake. The title should've never been mailed to the seller as it was simply a transfer from the sellers to us. She said they were working on it and will get it resolved. 

Subsequently, I emailed XXXX on XX/XX/XXXX to find out if they've received the title. They hadn't received it and I then asked if she should simply apply for a lost title with the NC XXXX XXXX. Her response was to send me a link to the NC XXXX 's website with instructions on how to do this. 

I also indicated to XXXX that I was confused as to why the title was mailed to the sellers. Her response, " I asked the same question and did not get a straight answer. All of our department employees are still working from home and there are only a select few allowed into buildings you are not the loan I am having issues with right now not an excuse just being honest. '' In essence, she's too busy to help. Meanwhile we're continuing to make monthly payments on a boat that we have no legal ownership interest in and we can not use and enjoy due to the bank 's negligence.
Product: Vehicle loan or lease

Wells Fargo Auto Loan Holders. I have had 3 cars that were paid by wells fargo bank and the bank is now being sued for lying to consumers : This provision applies to those with auto loans where payments were not applied correctly and might have resulted in higher interest or late fees, as well as wrongful repossessions. It also applies to those that paid for XXXX coverage ( covering the full loan after accidents or theft ) when Wells Fargo didnt refund money in some cases, as in when the loan was paid ahead of time. Auto loan holders are owed at least {$4000.00} as part of the settlement. 
Please file the formal complaint on my behalf. Thank you.
Product: Mortgage

My wife and I were purchasing a new home and the loan was going through Ethos Lending in XXXX XXXX CA. An issue came up with our tax returns for 2014 where it turns out our accountant forgot to inform us that our Fed returns were rejected and sent back to him. It was not until Ethos asked about it that we contacted our accountant to find out the issue. At that point, he resubmitted the returns electronically and they were accepted. Ethos demanded that my wife or I go to the XXXX for a receipt confirming this. My wife spent 3 hours waiting in line at the XXXX to be told that since our accountant refiled electronically they were not able to confirm the receipt until the returns were reprocessed. This could take weeks or months to happen. We told this to Ethos and they would not accept what we were saying. We told them numerous times and even gave them the name of the XXXX person and our accountant 's information to confirm. It seemed like Ethos was dragging their feet with this non-issue and since we were days from the lock expiring it was even more obvious. The best part was that just after they charged us to extend the lock, this condition was signed off on. This was only XXXX of many issues we had with this lender. They almost costed us the home. The seller was going to pull out in a matter of days. To top it all off, our loan officer had conversations with Ethos 's sales rep and he told our loan officer that the charge would be refunded back to us after the loan went through. He forgot to tell us that he was leaving the company before this happened. Conveniently his boss had no knowledge of him saying the money would be refunded and they are not going to do anything about it.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I would like all accounts removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Bank of America did not respond to my complaint and are still violating federal FCRA regulations by reporting fraudulent activity about my credit report. 
Since XXXX Bank of America has been reporting false data to the credit reporting agencies. There has never been a late payment, never been a 30 day or 60 day or 90 day late payment notice, yet they continue to report this information. Bank of America continues to ignore request to correct this fraudulent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

my car was total and my insurance should take care of everything
Product: Credit reporting or other personal consumer reports

XXXX XXXX on XX/XX/year> shared my account information with my consent all three credit bureaus
Product: Credit reporting or other personal consumer reports

On XXXX i had XXXX hard inquires on my XXXX Credit Report. I have tried to contact all 3 companies to no avail. they could not give me any information. I did contact my XXXX but I would like to report abuse of my personal information. I have not applied for any car, home, or personal loans, or opened any new credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly a collection/charge-off on the XXXX XXXX XXXX  original creditor XXXX XXXX XXXX XXXX AZ account number XXXX. ( Please see page attached from my credit report. ) This account was included in the bankruptcy which was discharged on XXXX. ( Please see page attached. ) XXXX is reporting correctly. This incorrect reporting of a collection/charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the auto loan account with XXXX XXXX has violated my rights. Section 602 of 15 USC 1681 establishes my right to privacy. Additionally, Section 604A ( 2 ) stipulates that a consumer reporting agency can not furnish an account without my written instructions. Furthermore, under 15 USC 1666B, a creditor may not treat a payment on an auto loan account as late for any purpose under an open-end consumer credit plan. 
In addition to the previous information, it is important to note that my request sent in XX/XX/2023 to the credit bureaus via USPS certified mail, regarding the correction of errors in my personal information and disputes, was never answered. This failure to respond violates the provisions of the Fair Credit Reporting Act, specifically Section 611 ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies must promptly investigate and correct inaccurate or incomplete information upon receiving a consumer 's dispute. The credit bureaus ' non-response is a clear violation of this legal requirement.
Product: Checking or savings account

I had over XXXX dollars to pay my apartments since I had jut 2 days before they send me to eviction and I woke up one day check my account it says 0 I called the bank they didnt know what happened they kept transferring me over and over to different departments none of them can tell me what happened to my money, after XXXX minutes to XXXX XXXX customer service agent said they closed my account because I didnt submit a document not to mention she doesnt know what documents herself
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon review of my LexisNexis Consumer Disclosure Report dated XX/XX/2023, Consumer Number : XXXX, Case Number : XXXX ( See attached Supporting Document # 1 ), I discovered three inquiries from XXXX XXXX  XXXX that I did NOT initiate or authorize. This unauthorized access to my LexisNexis Consumer Disclosure Report is very concerning. As noted in the Consumer Statements, Freeze, Alert Activity section of my LexisNexis Consumer Disclosure Report dated XX/XX/2023, I have an ACTIVE Security Freeze and an ACTIVE Security Fraud Alert on my file, therefore, LexisNexis should never have released my information to any entity without my authorization or consent. Additionally, on XX/XX/2023, my Opt-Out and Information Suppression requests were APPROVED, therefore, LexisNexis should never have released my information to any entity without my authorization or consent. The release of my LexisNexis Consumer Disclosure Report without my authorization or consent is a very serious violation of the federal Fair Credit Reporting Act ( FCRA ). This action constitutes a violation of the Fair Credit Reporting Act 604, is illegal, is injurious to my credit rating, and is an invasion of my privacy per 15 U.S.C. 1681 602 ( a ) ( 4 ).
Product: Checking or savings account

I opened a Chase checking and savings account package on XX/XX/XXXX and transferred {$15000.00} into the savings account next day. A few days later, Chase closed both accounts and held my fund. In order to release my own money to me again, I was instructed to visit a Chase branch during the pandemic with two forms of identification. 

The whole thing feels like a scam now and the process is just plain ridiculous. Why would a bank open accounts for you and accept your money, only a few days later, claiming they couldn't verify your identity and hold your money? If it's really to protect the customers, why don't you ask for verification before opening the account and why would you ask customers to go to a branch during a pandemic? Not to mention I already have a few Chase credit cards and have been a Chase customer for years - why suddenly my identity becomes a problem?
Product: Credit reporting or other personal consumer reports

I was reading my credit report and noticed bogus names and addresses. 
Incorrect info and phone numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX  Phone numbersXXXX and XXXX I have NEVER lived in XXXX AND I don't know anyone by the last name of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction in the letter I sent. XXXX, Equifax, and XXXX violated my rights as a consumer, I also included a screenshot of the law
Product: Mortgage

approx 10-12 years ago applied for govt modified home loan accepted stat at 2 to 3 percent interest to maximum 4.5 percent.had no problems till when XXXX XXXX sold loan to shell point mtg servicing in XX/XX/XXXX never notified me till XX/XX/XXXX ot letter saying my mortgage went up from XXXX last 5 years maximum amount to XXXX letter also said i was delinquent on my insurance for condo, my insurance auto payed monthly not late at all XXXX XXXX, condo association insurance paid thru monthly dues so haven't been behind there either in XXXX after calling over month get recording will call back in order received never called back in XXXX got supervisor to call said everything reversed verified insurance and could verify every year/ XXXX im still getting statements saying i owe XXXX and tell me my loan will never go back down to XXXX on loan govt okayed, say i still have to pay XXXX or so to repay escrow that i didn't need already insured and furnished all documents o 40 percent  higher insurance they used my escrow on at 30 n i need to pay a this at time company XXXX was cut XXXX dollars a years covid problems, i did nothing wrong was all paid up long before shell point, because shell point didn't get insurance info from XXXX XXXX i have to be punished by paying for there mistake and there refusal to work with me or anyone to fix problem i worked for XXXX  over 40 years XXXX XXXX XXXX XXXX XXXX and cant solve problem in 3 months i cant go to Texas through away documents instead of keeping for file is same oner they had me resend and got hol., d but never reversed all charges like insurance and escrow to solve and even if i did admitted throw awaw condos first document keep saying even today i need to swend proof a, .lt technicion   trained over XXXX people, yes shell nbackoint
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Unauthorized Hard Inquiry Dear Sir or Madam : I am writing to dispute an unauthorized hard inquiry that appears on my credit report. I have carefully reviewed my credit report and found the following inquiry that I do not recognize : Creditor Name : XXXX Date of Inquiry : XX/XX/XXXX Type of Inquiry : Hard Inquiry Creditor Name : XXXXXXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Type of Inquiry : Hard Inquiry Creditor Name : XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Type of Inquiry : Hard Inquiry I did not authorize this inquiry, nor did I apply for credit with this company. As such, I believe this inquiry to be erroneous or potentially fraudulent.

Under the Fair Credit Reporting Act ( FCRA ), I request that you : 1. Investigate this unauthorized inquiry 2. Remove this inquiry from my credit report if it can not be verified as legitimate 3. Provide me with the results of your investigation Furthermore, in accordance with 15 U.S. Code 1681i ( a ) ( 6 ) and ( a ) ( 7 ), I request that you provide me with : 1. A statement that the reinvestigation is completed.

2. A copy of my credit report based on my file as revised.

3. A description of the results of the reinvestigation.

4. A notice of my right to add a statement to my file disputing the accuracy or completeness of the information.

5. A notice of my right to request that your agency furnish notifications under subsection ( d ).

6. A description of the procedure used to determine the accuracy and completeness of the information.

7. The business name and address of any furnisher of information contacted in connection with the disputed information.

Please respond to this request within 30 days of receipt, as required by the FCRA. If you find that this inquiry is indeed unauthorized, please remove it from my credit report and send me an updated copy of my report.

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not initiated any transaction with any of these companies as listed : XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX  PA XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX. XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA, XXXX XXXX. XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX AZ, XXXX Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any of these companies for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

Secondly, 15 U.S.C 1681 ( i ) 7 states that A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

I am demanding an expedited reinvestigation. Thank you.
Product: Mortgage

They keep dening me of a loan modification after they request several documentation and I provide them all I ask if the could lower my mortgage because i could no longer afford to pay XXXX because my husband was diagnose XXXX and my son die and i had to bury him from out of pocket because i did not have insurance for him. My husband is now working while doing 3 days XXXX and i have XXXX job and selling XXXX XXXX so we can afford to pay our mortgage i just need to stay in my house of 14 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting opened date and payment history in this account XXXX XXXX XXXX wrong, since this is inaccurate reporting please remove this account from my credit report.
Product: Debt collection

Today is XX/XX/2022 and I have received a notice from Jefferson Capital stating that I am being pursued for a debt of {$430.00}. The letter is dated for XX/XX/2022 and states that XX/XX/2022 was my last day to dispute the matter. 
I unfortunately was not able to check my mail from the dates of XXXX XXXX- XXXX XXXX due to me being out of town because of the death of my Grandmother. I was completely unaware of this matter. 
I can not even recall receiving any calls or voicemails from anyone about this debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

XXXX Capital Partners has not responded to inquiries to their email address. 

A prior credit collection firm of Pendrick Capital Partners is named on their single-page notice, and it has never contacted me. 

The provider of the service, XXXX XXXX XXXX, has never provided a statement to me.
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Immediate Removal of Fraudulent Reinserted Accounts To Whom It May Concern, I am writing under the Fair Credit Reporting Act ( FCRA ) to dispute the reinsertion of fraudulent accounts into my credit report. These accounts were previously removed after being identified as the result of identity theft.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if a credit reporting agency reinserts information that was previously deleted, it is required to : 1. Notify me in writing within five ( 5 ) business days of the reinsertion.

2. Provide the certification from the data furnisher that substantiates the accuracy of the reinserted information. 

I have not received any such notification or supporting documentation regarding the legitimacy of the reinserted accounts. This failure to comply with the FCRA constitutes a violation of federal law. 

The following fraudulent account has been reinserted and must be permanently removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX The presence of this inaccurate information is causing significant harm to my credit profile and financial well-being. Furthermore, non-compliance with the FCRA exposes your agency to potential legal liability under 15 U.S.C. 1681n.

To support my claim, I am enclosing the following documentation : 1. FTC Identity Theft Report ( Case Number : [ FTC REPORT NUMBER : XXXX I am formally requesting written confirmation that this reinserted account has been permanently deleted from my credit report. Additionally, I expect to receive an updated copy of my credit report reflecting this correction. Should this matter not be resolved promptly, I will pursue all legal remedies available to protect my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN THE PAST 3 MONTHS I HAVE PAID ALL MY CREDIT AS WELL MY 2013 COLLECTION > I BELIEVE THAT MY SCORE IS NOT REPORTING PROPER > WITH ALL DEBT PAID OFF ONLY OWEING AUTO AND SMALL PERSONAL LOAN > NO RC. MY SCORE SHOULD BE EASY IN THE 700 RANGE AND NOT THE MID 600 'S. XXXX NEEDS TO RELOOK AT MY CR AND SEE WHY IS STILL THE SAME AFTER PAYING ALL MY DEBT OFF.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've noticed a few inquiries in my report that i did not recognize or apply for and I contacted Transunion about the situation and they have failed to provide proof or remove them from my report