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

I paid my auto loan off with US Bank on XX/XX/XXXX and the payment cleared on XX/XX/XXXX. As of XX/XX/XXXX I have not received a paid in full letter in the mail and after calling again on XX/XX/XXXX ( fifth time calling the company XXXX my information has still not been sent to the state of Florida for my lien to be removed from the electronic title. 
According to the Florida ELT Lienholders Guide, " Lienholders are responsible for delivering a lien satisfaction and the certificate of title indicating the satisfaction within 10 working days of receipt of a final payment as defined in s. 674.215 ( Chapters 319.24 ( 5 ) ( a ) and s. 674.215 F.S. ). '' I've given this information to US Bank and they have not done anything other than note it down and " escalate '' the situation. It is affecting me financially as I can not update my car insurance to remove the lienholder and I can also not get my XXXX  coverage refund without my paid in full letter. I've been lied to by their representatives several times ( At first I was told I'd have the paid in full letter in my hand within 15 business days of payoff, then I was told it would only mail within those 15 days and that it had been mailed XX/XX/XXXX, then I was told nothing got mailed on XX/XX/XXXX and I would get it within 15 days of the account being reported as closed to the credit reporting agencies ). They have made no attempt to remove their lien from my title that was paid in full a month and a half ago, and have not made any attempt to send me documentation that the account has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report from the government approved annual credit report website and noticed my name was spelled wrong on all 3 credit reports. My name is XXXX XXXX XXXX spelled exactly that way no others. Also theres unexplained inquiries on my credit reports how they get there. Furthermore theres these accounts on my credit report that are incorrectly reported to my credit with different inconsistencies like dates, amounts, and mainly my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( Previous / Incorrect Addresses ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove and delete these as I feel I am a victim of identity fraud. There have been several data breaches with my personal information leaked.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify -through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. I demand to see verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the records listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. i demand the following accounts be verified or removed immediately 1. 15 usc 1681b ( a ) ( 2 ) permissible purpose of consumer reports Account Name : XXXX XXXX XXXX Account Number : XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. 
Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter.
Product: Credit reporting

I have had these inquiries on my account for a very long time despite disputing them because I never tried to open these account. I had proved that I have been a victim of Identity theft however these inquiries still remain on my credit report and therefore harming me negatively. They are listed below on all XXXX of my credit reports XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX BANK 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

I been going back in fourth with all 3 credit company, for years now how my info was stolen back in XXXX of XXXX. And multiple accounts and banks account was open from somone. And also I called to have my birthday change on XXXX they have my birthday set as XXXX witch I was born in XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to Fraud or unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604.

I have previously contacted the relevant companies and have determined that these actions were undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated. 
Listed below are the Personal Information that are being challenged Employer - XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Employer - XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX  XXXX - XXXX XXXXXXXX XXXX XXXXXXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX  XXXX  - XXXX XXXX  - XXXX XXXX  XXXX - XXXX attached is the actual dispute letter and inaccuracies list with violations
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of a tradeline from my credit report due to a violation of reporting standards. Upon review, I have found that this tradeline is not reported with the maximum possible accuracy, which directly impacts the integrity of my credit file.
Product: Credit card or prepaid card

( XX/XX/2021 ) I attempted to use my card for a purchase multiple times, the transaction appeared to fail each time ( per the register at XXXX XXXX ) and I made the purchase using another card. 

In the parking lot I received an email from TD Bank, a fraud alert saying that my account had been used for a purchase at XXXX ( remember I finished the purchase using another card. ) Call 1 XXXX XX/XX/2021 ) : Hold time approximately 20 minutes. XXXX sends me a text message to confirm my identity, after reading the code to her this fails, XXXX  very softly says a bunch of stuff that I could only partially hear and then my phone rings. When I answer it is is a busy tone and the call to the XXXX was disconnected. 

Call 2 XXXX XX/XX/2021 ) : Hold time approximately 20 minutes. I explain everything prior, Another prolonged hold. XXXX asked if I was out of the US although nothing I had done or said would indicate that is the case. XXXX states that all I can do is go to a branch. They have my address, I am located in New Mexico, all their branches are on the east coast. 

Call 3 XXXX XX/XX/2021 ) : Hold time proximately 20 minutes. I explain everything prior. Like an unthinking robot, XXXX  try 's the text message validation again. She then says it wont work because there were too many attempts today. ( this is the next day after calls 1 and 2 ) I said that doesn't make sense and she then determines it won't work for some other reason. She then also decides that I am outside of the US. I tell her I'm not outside of the US and realize that she is so ignorant that she doesn't even realize that New Mexico is a US state. She tells me the only option is to fax in my ID copy and some bills. I explain to her ( as with the others ) that I'm not trying to access the line of credit, I just want to know if a transaction posted. Like an unthinking robot she is unable to comprehend this. I then tell her I'd rather just close my account. She says she will transfer me to do that. I ask if that process will rely on the same text message validation process that isn't working. She says something unrelated. I ask her again, and she says yes. So this XXXX  robot of a person knowing that the text message validation wasn't working was going to send me to someone else to do the text message validation! What it comes down to is that I need to fax my ID and two bills. 

I still don't know if the failed transaction at XXXX actually posted to my account. Of course I am also locked out of the account online and have to validate by calling and using the text message validation system to restore access. I shred my bills after they are paid..so I guess I just have to wait to get bills to fax in for their identity validation, and if that actually works. 

In my opinion TDbank hires absolute pedantic fools with no critical thinking skills, and they obviously don't hire enough of them because it takes about 20 minutes to even talk to anyone, not that doing so is helpful.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. I want to emphasize that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I placed an order on XX/XX/year> via PayPal that was supposed to ship within 2-8 days per the website, which operates XXXX, after 8 days I checked the status of the order and it had not shipped and wasn't going to ship for another week. I let the company know they violated the terms of purchase. I opened a complaint via PayPal and they closed it without resolution. The order has never shipped more than a month later, I have not gotten a refund of the amount ( {$430.00} ) and a subsequent complaint still provided no relief.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute some errors, discrepancies, and unrecognizable accounts that are appearing on my credit report. I have carefully reviewed the information provided by your agency and have identified some inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

XX/XX/2024. Letter from Federal Student Aid that I successfully met the requirements of the PSLF Program and my loan was forgiven. Amount forgiven {$32000.00} XX/XX/2024. Letter from Federal Student Aid that I successfully met the requirements of the PSLF Program and my Loan was forgiven. Amount forgiven {$44000.00}. Credit {$3500.00} XX/XX/2024. Refund check from Federal Student Aid {$900.00} XX/XX/2024. Letter that determined I was eligible for Public Student Loan Forgiveness on one or more of my loans. Effective Date of Forgiveness XXXX. Congratulations on reaching 120 qualifying payments for Public Service Loan Forgiveness.

On the Federal Student Aid website reports 168 payments made of the 120 required. 

XXXX Bill from XXXX Current Balance {$31.00}, XXXX Regular monthly amount {$1000.00}. 

Multiple phone calls placed to Federal Student Aid and XXXX. Both agencies report I have made 168 payments of the 120 required payments for Public Service Loan Forgiveness. I still have a balance of {$31000.00}. 

My student loans are forgiven in full and I am being asked for another loan payment. I am well over the required payments for Student Loan Forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account has already been reported and deleted from my account due to unable to be verified. by law this account needs to be removed within 30 days. I have proof as well I am send with this attached. I have already disputed and Experian removed it. I don't know why they decided to bring it back, that is against the my credit consumer law. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) - Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. This company is reporting a fraud collection to my account. I already spoke to original creditor and they can not verify its my account. I have never opened an account with the original creditor. This account needs to be removed immediately by law.
Product: Credit card or prepaid card

Concerns my Macy Card, through the Department Stores National Bank in XXXX Ohio. 

I paid off my balance in full on time in XXXX - {$58.00} My XXXX statement says I owe a {$2.00} fee. The statement says that I do not owe any interest. 

I contacted the bank and the automated person referred to it as interest and automatically removed it before I even talked to a person live. 

The statement says that " We will not charge you any interest on purchases if you pay your New Balance by the payment due date each month '' There is nothing on the statement about any {$2.00} fee. 

I talked to a live person to cancel my card. Her verified that my last payment was on time, and said the {$2.00} charge, which he referred to as an interest, was the result of " computer error '' I wonder how many people pay this fee and how often the company refunds the money given that it is their error and they know it. My sense tells me that a ) alot of people, and b ) never. 

These guys need someone to look into their apparent fraudulent practices.
Product: Debt collection

I received a letter dated XXXX XXXX, XXXX from a company called XXXX XXXX XXXX. They claim to represent Crown Asset Management LLC. They list an original creditor as XXXX and an account ending in XXXX. They say I owe {$740.00}. I feel that this is incorrect as I have no Creditor known as XXXX. This does not appear on any of my current credit reports as an account. If this is my account I am sure it is old and past the statute of limitations in the state of Tennessee or perhaps it was an old account included in a bankruptcy I filed in XXXX. To summarize I feel that this is a non-collectable debt and I deny any and all responsibility for it.
Product: Payday loan, title loan, or personal loan

We had a Bank of America sba loan and we had settled and paid off the loan in XXXX. We had the house as collateral, so Bank of America had a lien on the house and loan was paid off and the lien still on the property. We tried calling and going to the bank where we paid and they told us they dont have record of it. 
They directed us to you for best solution. 
We are currently selling the house and we are in escrow thats how we found out. 
Escrow closes XX/XX/XXXX and we need this lien off. 
Thank you for all your help XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Improper investigations of credit reporting errors through XXXX, XXXX, and experian. Data breaches exposing my financial information to undisclosed and unauthorized parties. Inaccurate reporting of student loans on reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been consistent with paying my bills on time. I am saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I did not understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$6500.00} XXXX XXXX {$4100.00} XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$830.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the XXXX platform. Despite using XXXX numerous times and reporting discrepancies my financial institution and XXXX failed to investigate my claims adequately.They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPBs findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat XXXX  to XXXX  the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety!
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an auto loan and pulled my credit report to my surprise my score was lower than I expected. When I looked to see what was going on, I noticed items on my report that aren't suppose to be there. A police report for fraud and FTC contact has been previously established prior to contacting you all. Please delete these items as soon as possible : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Hi, I figured out the the listed items are completely inaccurate and incomplete and is a very serious error in reporting. Please delete this misleading information! I figured out in my credit report inquiries that I have never authorized. I know that sometimes companies without any authorization and permission pulling credit profile. Well, by this message I would like to let you know that I do not recognize these inquiries and I have never given any permission to any company to do something like this. So please remove all of them as I can not move on in my life when I have unknown information in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT IS NOT REPORTING ACCURATELY. MULTIPLE CREDIT AGENCIES ARE REPORTING INACCURATE CREDIT REPORTS ON MY ACCOUNT. I SHOULD NOT HAVE A BALANCE WITH ANY COLLECTION AGENCY. XXXX XXXX XXXX IS UNLAWFULLY REPORTING DEROGATORY REMARKS ON MY CONSUMER CREDIT REPORT. PLEASE HELP ME OUT
Product: Debt collection

I recently review my credit report and notice there were inaccurarcies. A collection from MRS ASSOCIATES for the amount of XXXX is not my debt. I was a victim of id theft and im not responding for debt. Below is a copy for information related to the debt. 

MRS ASSOCIATES Original creditor : XXXX - XXXX {$210.00} Balance updated XX/XX/2021 Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Paid off : 0 % Balance on XX/XX/2021 Original balance {$210.00} {$210.00} Payment Info Original balance {$210.00} Balance {$210.00} XXXX XXXX, XXXX
Product: Mortgage

In XX/XX/2020 I received an offer from my mortgage company ( Freedom Mortgage ) to refinance my existing mortgage with them to lower my interest rate and monthly payment. I agreed to do it, provided all information requested and everything went smoothly until it was time to close. I've been calling them since XXXX to find out why I haven't received a closing date and every time they tell me they're waiting on the title company. Spoke with title company on multiple occasions and every time I'm told that my loan had been cleared on their end since XX/XX/XXXX " I have emails to prove it ''. To this day each time I call Freedom Mortgage they tell me they're still waiting on the title company but when I forward the emails from the title company stating they had already cleared the loan since XX/XX/XXXX, I'm told " oh someone will contact you '' an no one ever does. What XXXX me off the most is the fact that I did not solicit this, they called me to offer it to me, and I have perfect credit and never missed a payment. This is why I'm submitting this complaint so that people know what they're getting into when dealing with Freedom Mortgage.
Product: Debt collection

regarding I.C Systems Inc. Called to dispute debt. They wouldnt verify debt with any evidence. Website wouldnt allow dispute of debt and there is no way to prove your are not a robot. Phone agents were hostile.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX, I sent a letter to the credit bureaus requesting an investigation on 5 accounts. Almost 60 days later, and none of them have responded. I have sent follow-up letters to inquire for the reason for the delay, and those have also gone unanswered.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX