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

Purchased a boat trailer ( XXXX # XXXX ), title # XXXX on XX/XX/XXXX with a bill of sale, since title was apparently lost. The lien issuer on the title, once recovered is : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX. This bank was evidently acquired many years ago ( possibly in the XX/XX/XXXX 's ) and is supposedly operating under the name of Sun Trust Bank in XXXX, NC. The FDIC said the lien could be released, but apparently it is technically still in business, under the name of Sun Trust Bank. The DMV, whom I have approached numerous times, says they want the license tag back if I can not get a release of the lien on the title. Have had the trailer inspected by the License and theft bureau of the DMV. Have also, at the request of the DMV purchased an Indemnity Bond on the above trailer. I spoke to a manager of the said Sun Trust Bank in XXXX and while they said they would be happy to release the lien, Sun Trust had no connection to the XXXX XXXX XXXX that was once located in XXXX, NC. 

The original owners on the title are : XXXX XXXX XXXX and XXXX XXXX XXXX Now residing at : XXXX XXXX XXXX, XXXX, NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In a previous CFPB complaint, it was found to be true that my account with Comenity was in fact settled as I shared in my complaint. In Comenity Bank 's final response they stated that they would have the account removed from my credit files which they have yet to do so. The account was bought back weeks ago from XXXX XXXX. I filed a dispute with the credit bureaus and included a copy of the final response. Comenity Bank replied back that the account was supposed to be updated and not deleted and only provided updated account information versus removing the report from the file so XXXX  had no choice but to honor what Comenity Bank stated and leave the account on the report. This account was supposed to be removed and it was not.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$890.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Reference # : XXXX XX/XX/XXXX Date Filed/Reported : XX/XX/XXXX
Product: Checking or savings account

On XX/XX/year> I was charged {$34.00} in my US Bank checking account as an overdraft recovery fee. I dont know why I was charged as I havent overdrafted, and I have no other depository accounts at the bank. I called US Bank and XXXX different representatives told me they dont know why I was charged this fee but they refused to refund the fee. They told me I have to go to a bank branch, which is a huge inconvenience. If they cant tell me why I was charged the fee then I should have never been charged the fee in the first place. Failure to provide the information upon request is unacceptable.
Product: Student loan

Thursday, XX/XX/XXXX XXXX XXXX When I was in XXXX school, according to the documents that have been sent to me, I took a loan ( 3 total ) out with " XXXX XXXX XXXX XXXX '' which I am given to understand has been shut down by the federal government. I have been sent by two different servicers XXXX ( XXXX XXXX XXXX ) and XXXX ( XXXX XXXX XXXX ) bills for a company alternately called XXXX or XXXX. When I question either XXXX, XXXX, or XXXX about offering me a chain of title or any other proof that they or XXXX ( which I believe went bankrupt in XX/XX/XXXX ) own a debt from me, I am told to ask the servicer, if I ask the service, I am told to ask the alleged owner of the debt. I have been paying on these loans for years now and they are getting larger. I can easily refinance, however, I do n't want to refinance a debit I do no owe. I am a XXXX and along with the federal government loans I have ( XXXX ) I pay approximately 5K/month in loan payments. I asked XXXX to please apply additional payments I made to my principal, and was told that they would only put me in paid ahead status. I do n't mind paying or settling which someone if I truly owe them money, but as far I I can see, there are three ( I do n't know why there are two for the same year ) applications that have been provided to me, and my wife, XXXX XXXX, whom they refuse to release from the obligation as cosigner, to XXXX XXXX XXXX XXXX. I have nothing that says I owe anything to XXXX nor to XXXX, who per the XXXX XXXX is owned by the same people, as are some of the servicer. I am paying more than 10 percent interest on the loan that XXXX  claims they own. They are also both refusing to send me a payoff letter if I do owe the debt, because I will refinance immediately -- I have good credit and good income. I was actually told yesterday that the stories in the XXXX XXXX were " fake news '' and that I would have to default before anyone would negotiate with me, and that if I defaulted they would " take my property '' or " wages '' or " tax return '' ( I am XXXX XXXX  ). Which I consider to be a threat made simply because I asked questions.
Product: Debt collection

I have been harassed and overcharged by XXXX since I opened the account in XXXX 2011. Now they have forwarded the account to Foster and Garbus LLP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Finacial - XX/XX/XXXX Ally Financial - XX/XX/XXXX 2 hard inquiries as a result of fraudulent attempts to open a car loan using my own personal information. I have sent 3 certified letters to Ally and reached out to the creditor to remove these 2 hard inquiries from my report. Final letter sent on XX/XX/XXXX. I have received no response. Please remove these 2 inquiries from my credit report. These hard inquiries are fraudulent and have been done without my consent.
Product: Debt collection

I checked my credit report at a mortgage lenders office. A TransWorld Systems has reported a delinquent collections from a medical bill in 2011. I called to settle this issue. They claimed that " the client '' does not offer settlement options and I need to remit the full amount of {$940.00} ( {$220.00} from XXXX/XXXX/2011 and {$720.00} from XXXX/XXXX/2011 ). I called the " client '' they mentioned to discuss repayment or settlement options ( the hospital ). They informed me that it was well past the statute of limitations, it is an old bill, and it has been deleted and is no longer in there office. At this point I called TransWorld back and relayed the information and continued to offer a settlement in order to close the debt with a one time {$500.00} Visa payment ( over 50 % of the original amount ). They continue to tell me that " the client '' does n't offer settlement or does n't have settlement guidelines. When I called the hospital back they informed me that they do not even work with this organization anymore ( TransWorld ). I 'm simply trying to to take care of this the best I can and it seems they continue to feed me false information on the origin or settlement options of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax says they are looking into and correcting issues on credit report but yet never do. All they do is either put an update that says client disputes item or they dont make any changes. If the collections agency or lender says the item is correct, they just leave it on there. XXXX XXXX is a collection agency. I have talked to them several times and explained that I have paid debt off with credit card company. Then, they send me a copy of my last bill with XXXX and say it is still valid. i Had 3 credit cards with XXXX XXXX ( one was formerly XXXX ) and I had difficulty paying them in XX/XX/XXXX-XX/XX/XXXX and stopped paying them. Last XX/XX/XXXX, I called XXXX XXXX and paid off all of the debts. They had sold it to XXXX XXXX. I have told them that I already paid XXXX XXXX and they just sent copies of old bills. This is not doing anything since I paid them off last year. I want them reviewed from my credit report. Additionally, it is already reflected from XXXX XXXX that payments were late and charged off but they were settled. This a double negative report on my credit bureau. They also sold the debt to XXXX and other collection agencies for the same amount of money. They also need to be corrected and removed Equifax also refused to take off XXXX XXXX and XXXX XXXX collection agency. They just update that I dispute info. This is not a valid collection and needs to be removed. I dont want it to just say updated. XXXX XXXX XXXX XXXX-two accounts. They were paid off completely and in full. THey are not charged off. XXXX XXXX-They did not verify it belongs to me. XXXX XXXX is saying it is my debt and it is not. They have a judgement against me too and I am working with attorney to have vacated and this removed from credit report. I want to know what steps they take to verify. So all these inquiries need to be removed.
Product: Payday loan, title loan, personal loan, or advance loan

I received a 1099C on XX/XX/2023 for the full amount of loan from Personify Financial. Once I logged into my account it was still showing an outstanding balance. I reached out to customer service and the representative advised she didn't have a clue about what I was referring to and proceeded to give me an email address to send the document so that my account could be updated. I emailed the 1099C I received along with the request to cancel my automatic draft and to forward all proceeds they are making off the security interest of this loan to my treasury direct account along with any proceeds they are making from any and all insurance products they applied for on my behalf. The automatic draft was cancelled as requested which lets me know my email was received and read by a recipient. However, no further action has taken place in regards to updating my account nor forwarding funds to my treasury direct account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received an Email from Experian billing Department that they was trying to bill a old Checking account ending in XXXX that I had Canceled for their Experian XXXX XXXX membership. I right away contacted Experian billing department in response to the Unauthorized billing and that the account they are trying to bill had been canceled and requested proof that i had authorized them to bill that account which i knew they would not be able to do because i have never contacted Experian nor requested any information about the their XXXX premium product. I was advised by a Experian billing representive that it is something that they offer and after time will bill the consumer i stressed to the billing representive that i had never spoke to anyone or requested any membership for this product and I didn't give any authorization for them to bill the closed banking account ending in XXXX. I was made to believe that this matter had been resolved only to received another email on XX/XX/2022 from Experian billing department where they again is trying to bill my old checking account ending in XXXX without any Authorization which is illegal and can be labeled as attempt theft of unauthorized funds from a Consumers banking account. I have attached emailed proof from Experian of unauthorized billing attempts.
Product: Debt collection

Im writing in regards to Paramount Recovery having multiple derogatory marks on my credit for the same exact charge. I would like a validation of this alleged debt. Im not even 100 % sure from whence this originated. I have not received anything in regards to how to contact them, and it is not very clear how to file a complaint and/or dispute any charges on their website. Ive read various complaints about how notorious they are for trying to collect multiple times for the same amount. I demand that this be investigated! This feels like a scam and it has caused extreme detriment to my creditworthiness, and I have been charged astronomical interest rates as a result. I need this fixed ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several letters and have not received a response. The letters are in regards to me reviewing my Credit Report and noticing the unauthorized out dated incorrect and erroneous information that is being furnished on my credit report. I have 34 accounts that I demand be deleted from my credit report as pursuant to 15 USC 1681 ( a ) ( 3 ) and 15 USC 1681 b ( 2 ) Equifax assumed this role and my direct written instruction/permission was never given. Equifax is in violation of my Right to Privacy according to 15 USC 1681 4. Equifax did not exercise its grave responsibility, was unfair and was partial. Furthermore, Equifax did not have a permissible purpose under 1681 b 2. I never instructed Equifax to furnish this report and i never consented to this report in the first place. I am demanding that all of these accounts be deleted from my report and file along with my phone number and all inaccurate names. Please see attachment : All items with a black circle or the word deleted next to it, I demand be deleted
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. Upon reviewing my report, I noticed the following errors : Incorrect Payment History My report reflects an inaccurate late payment history. Specifically, [ describe the incorrect late payment, e.g., a 120-day late payment has been reported twice for the same period ]. I request that this duplication be corrected.

Incorrect Charge-Off Status A charge-off account [ account name/number ] is still being reported as unpaid, even though I have fully satisfied the balance. I am requesting that Equifax update this account to reflect its paid status and remove any negative impact from the charge-off notation.
Product: Credit reporting or other personal consumer reports

Car was deemed total loss XXXX paid Toyota financial XXXX refused too pay because they said my gap was voided because I received XXXX extension during pandemic COVID XXXX government shut Downs now they sent me too collections and XXXX charge off on my credit report never sent me the title I paid over XXXX in interest on XXXX XXXX dollars car.
Product: Checking or savings account

when I wanted to log in Capital One online bank on XX/XX/XXXX, I found that I could not log in. 
I called the number XXXX ( XXXX ) XXXX to help me solve the login issues. The customer service representative not only failed to help me resolve the issue, but also insisted on closing my checking account due to security concerns. The representative did not verified my identity and did not check with me. He just asked me what operation I did recently. I told him that I just added an external checking account and verified this account several days ago. A moment later the representative directly told me that he would close my checking account. When I heard what the representative said, I felt very surprise and crazy and I felt that I was discriminated because the representative did not verify any operation with me. The representative was very insistent about closing my account and did not tell me the reason, he told me that I could never be Capitial One customer again. 

As the checking account will be closed, now I can not contact the Capital One customer service, and I have tried many times to find any online representative by the Capital One service call. But I can not speak to any online representative. I only receive the messages that tell me to leave voice messages. I am very crazy and angry, I am feeling so worst.
Product: Debt collection

Hello I have asked this company to stop calling me at my job. Also they call me at least XXXX or more times a day over the past few months. When I answer the phone I explain to them that they are jXX/XX/XXXX by calling me and texting me so many times a day. I haveXX/XX/XXXX So my finances are not the best. I explained to them about myXX/XX/XXXX as well They call me from several different numbers and all of the numbers are on my phone records showing numerous calls from each number. I feel that I am being harassed by this company and they are XX/XX/XXXXto me over the phone. they also text me multiple times a day as well. I explained to them that i am working with a debt relief company and gave them the number to all instead of calling me and they are still harassing me about this account, I am very stressed out behind this company ad their excessive calls to me. They are calling me at least XXXX to XXXX time in the morning and afternoon and evening as well. Here are some of the calls i got from them recently .Also I have more calls on my phone records dating back a couple of monthsXX/XX/XXXX 

XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit when I saw a change alert and saw many inquiries I do not recognize. They are not connected to me and I do not have accounts and have not contacted these companies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. 

It is duplicate accounts on my credit reports also one account shows as a collection and charge off account with different amounts, dates also amounts paid as recent as XX/XX/2021 XXXX other dates as if to keep it on reports longer, amounts as small as {$3.00} up to {$100.00}. I did not authorize these accounts, inquiries XXXX XXXX XXXX are not mine nor the collection accounts are not mine and it's causing HARM to my CREDIT LIFE.
Product: Debt collection

Dear Collector, I'm shocked at the proof that you sent me based on my validation request. The law allows me to request validation for above account. I don't know your company, as you XXXX be a scam artist trying to get money from people. I sent a letter to you 30 days ago asking for the following items. 
( 1 ). Contract with my name on it.

( 2 ). Full accounting of this account.

( 3 ). Proof that you have the right to collect money from me.

( 4 ). Proof that you have the right to collect in my state. 
And more. 
Where is this proof? How does what you sent me prove that this account belongs to me? It does not. Your company has failed on multiple levels. Let me tell you how.

( 1 ). You reported a debt to the credit bureaus causing my score to go down without validating.

Violation ( 2 ). You failed to provide sufficient proof, yet still continue collection activity by validating the debt above.

Violation Would you like me to continue? DELETE THIS ACCOUNT ASAP or face complaints to the FTC, XXXX, Consumer Financial Protection Bureau, and the Attorney General 's Office. I will also be reviewing my state law to see if a bond is required and if your company is registered to collect in my state. Don't escalate this matter further over this little debt. Delete it at once.
Product: Credit reporting or other personal consumer reports

I am writing this letter with a sense of desperation and anger that anyone in my situation would understandably feel. I have provided concrete evidence in the form of an FTC, so I am utterly dismayed by your bureau 's unexpected and unjust denial of my identity theft claims. I was the victim, and I am baffled as to why the credit reporting agency is not adhering to the law, especially when the other bureaus have done so. I am particularly confused as to why this particular bureau seems to be ignoring my requests. 

Let 's be clear : your decision to dismiss my legitimate claims is not only infuriating but also a grave injustice. I have suffered greatly from identity theft, and the impact on my life, financial stability, and emotional well-being has been immeasurable. 

I demand that you immediately correct this injustice by acknowledging and thoroughly investigating my identity theft disputes. Your refusal to do so is not just a failure of duty especially when the bank has already approved of removing these accounts from my file, but a disregard for the suffering I have endured. 
XXXX and XXXX have already removed these accounts from their records due to an identified error. I am confused about how you have verified it while the other bureaus have removed it. Please delete these from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 

If my please for justice continue to be ignored, rest assured that I am prepared to take decisive action to protect my rights. I will not hesitate to seek legal counsel to ensure that your bureau is held accountable for its negligence, the damage to my financial standing, and the immense emotional distress this situation has caused me. 

I expect a written acknowledgment of this dispute letter and an immediate commitment to investigate my identity theft claims with the urgency and seriousness they deserve. The law requires a swift resolution, and I insist that your bureau adhere to these legal obligations. 


Regarding the following accounts : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX.