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

I had an issue with this bank in the past when first being told I owed this surprise debt in the summer of 2016. We could not come to an agreement, I refused to pay the surprise debt if they did not reduce it and unless they retrained in marring my credit report. They refused so I did not pay it. Years passed. unfortunately my car broke down. The transmission went. I had no intention of selling my car or getting rid of it. It had XXXX  miles on it. A real shame. I could have given it away to a family member who was in dire need of a car and that is what I had originally intended on doing. This bank would not release this title even after three and a half years! They had eventually charged off the debt but still would not release it. Unfortunately for me I could not even dump my car ( sell it for cash to a junk yard ) without a title. No one would deal with me. So i had to settle with them and give them {$150.00} and wait weeks for my title. Terrible. In the meantime I even got a ticket for inspection! The car was on the street. Could not drive.  The transmission went. Finally I got rid of the car for a paltry {$200.00} after spending a thousand dollars in repairs only months before the transmission went. On top of this I found out that the bank had actually written off the debt. It is on my credit report! Not charged off. WRITTEN OFF. It states it clearly on my XXXX  Credit report, currently. I was told years ago by the DFS of NYS that they could not do this without releasing the title. How did they get away with this? All this bank does is send numerous copies of past invoices showing payments in triplicate! I dont ' know why did they keep doing this. Its a waste of paper. What are they trying to prove? They are talking about the past and the original debt that I owed. Why? that is not what this is about. This is a matter of them taking my money to settle. They took my {$150.00} and still wrote this off? I am going to also report this to the DFS as well. They were not supposed to write off the debt before or after taking my money!!
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the reporting of late accounts on my credit report, which I believe are inaccurately reflecting my credit history. I have thoroughly reviewed my credit report from your agency and have identified instances of late reporting that I believe require immediate attention and rectification. I have outlined the details of the disputed late accounts along with an explanation of the inaccuracies, the late payment reported on the aforementioned accounts are not accurate. I have maintained a history of timely payments according to the terms and conditions of my agreement with the creditor. I have enclosed supporting documentation, including payment receipts and bank statements, that verify my consistent and on-time payments. I request that you conduct a thorough investigation into this matter and rectify the inaccuracies promptly in accordance with the Fair Credit Reporting Act. I am asking for your help for the correction of the late payment status associated with the mentioned accounts : 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

Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so. Delete the following accounts XXXX   XXXX****, XXXX ( Original Creditor : 09 XXXX XXXX XXXX ) XXXX**, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX**** , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX**** , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX**** , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX**** , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX****, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX**, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX**** , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX XXXX XXXX**, XXXX XXXX****, XXXX   XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act XXXX XXXX XXXX XXXXXXXX, 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 : Also states a consumer reporting agency can not furnish an account without my written instruction
Product: Credit reporting or other personal consumer reports

I got a letter from PNC Bank saying I'm not responsible for a balance because of forgery. But now they're reporting three different amounts to three different credit bureaus. I only have one dispute with PNC Bank. Can you help me sort this out and tell me if I can take legal action?
Product: Credit reporting, credit repair services, or other personal consumer reports

I made the following payments on XX/XX/2020 to these debt collectors and they are referenced on my redacted bank statement which is attached : XXXX XXXX for {$290.00} ; XXXX XXXX for {$390.00} ; XXXX XXXX XXXX for $ {$1000.00} and ; XXXX XXXX XXXX XXXX XXXX for {$140.00}. 

Then I made the following payment on XX/XX/2020 to : XXXX  XXXX {$320.00}. 

Then I made the following payment on XX/XX/2020 to : XXXX  XXXX for {$480.00}. 

These accounts have been paid and to date TransUnion is still reporting them as unpaid. This is prohibiting me from purchasing a home and taking advantage of the great interest rates available. I sent a certified letter to TransUnion received on XX/XX/2020 and they still have not reflected the payment.
Product: Checking or savings account

I have opened a checking account on XX/XX/2022. The sign on bonus mentioned that I will get {$150.00} after I made at {$1500.00} direct deposit within 3 month of account opening. I made a direct deposit on {$1500.00} on XX/XX/2022. Now they didn't give me the reward and mentioned that my account is not qualified.
Product: Credit reporting, credit repair services, or other personal consumer reports

hired this company to consolidate my debts and pay those debts I am paying {$380.00} per month and almost more than a year paying them this amount but they have not complied with this program to pay the debts I communicate with them and say they are negotiating the doubts but it is not true and I received several letters of lawsuits in court and they do not give me solution to these problems. What I can do?
Product: Credit reporting or other personal consumer reports

I am contesting the information on my credit report that I believe is not correct. According to the federal and state laws that apply to me, you are required to report information accurately and completely. You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards. For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX XXXXXXXX - Opened XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Opened on XX/XX/XXXX Unauthorized Inquiries : 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

I have been informed, that there is a public record reported by ( United States Bankruptcy Court, XXXX XXXX Of California ) in my credit file, you maintain under my social security number. I ordered a copy of my credit report, and I do see an entry from ( United States Bankruptcy Court XXXX XXXX of California ) listing a public record- I do not have a Bankruptcy. I have sent you a dispute, because this information in Not accurate. Per my last conversation with an Equifax representative, was your claim to verify information at the United States Bankruptcy Court XXXX XXXX Of California. I have contacted the United States Bankruptcy Court XXXX XXXX Of California ; and there is no Bankruptcy. The clerk 's office reviewed the Public Record from Equifax, they stated they do NOT provide information to credit reporting agencies, nor do they ever validate a public record. The credit reporting agencies, or other information providers, collect information regarding public cases from the courts public records, by a third party vendor. This information is never validated by the courts, NONE of them validate due to the PRIVACY LAW. The Clerk 's office did not state they are not responsible for INCORRECT public records or the misuse of any information. Public records maybe reported incorrectly, and the Clerk 's office will not communicate to the credit reporting agency on my behalf.
Product: Mortgage

Beginning XX/XX/2019 I was in phone call with lending service company OCWEN Loan Servicing.  The person on the phone specifically told me they had the Modification Application. Additionally told me the application had been reviewed and awaiting an answer. I then requested to speak to a " Relationship Manager ''. 

I received the call from the Relationship Manager on XX/XX/2019, where I was informed they in fact did not have the application only paystubs supporting income documentation. 
I at that time had to escalate my call to a supervisor to inform of this as it became a delay in the process of preventing foreclosure. And for the entire situation to be investigated internally. At this time I am uninformed as to whether forclosure is moving forward or if the application which they now have has placed a delay or stop to pending forclosure. 
Since the last call their system has been making attempts to call me when I answer the phone they hang up. 

Additionally, They refuse email service to send information which is what I require as I travel on business 330 days of the year, at times in other countries which becomes unfair practice, as I do not receive USPS mail in timely manner.
Product: Vehicle loan or lease

The car loan first appeared under XXXX XXXX XXXX XXXX after complaints it was removed from XXXX. The car loan shows up again under Wells Fargo Dealers Svcs I contacted them and sent my State License, Social Security number, and a light bill. They sent a letter to me stating : Wells Fargo Dealer Service has verified that the information being sent to the consumer credit reporting agencies on this account is accurate. Our verification is based on a review of our records, as well as the information for this account on file with XXXX, XXXX and the XXXX. It has been over a year since my first attempt to remove fraudulent loan that I did not take ou, I continued to inform all credit agencies mention above that I do n't own a vehicle and I have never lived in XXXX XXXX XXXX, IL and I do not have any car loans.
Product: Credit reporting or other personal consumer reports

My issue concerns historical payment data which I have challenged prior, as is being reported and transmitted by XXXX XXXX XXXX. The main issue is that the account, which was paid closed in XXXX, is being reported as reaffirmed as of XXXX. Which is dredging up the late history, which is disputed as erroneous by servicer, and it is adversely affecting both my credit score and loan prospects. 

I have asked XXXX XXXX to investigate the matter, which they know is inaccurate. However, they do not and simply state that they have complied with the law that requires they do so, namely, the FCRA. No compliance has ever been met, because I have not once received documentation to this effect. Still, the way in which XXXX XXXX is reporting old data is affecting me in real time. And I'd like for this to be corrected.
Product: Credit card or prepaid card

On XX/XX/XXXX, Bank of America N.A. Closed 2 of my Long term Credit accounts which I have had with the Bank for over 5 years. I received a letter in the mail a few days following detailing the reason why this action was taken. In the letter I received, Bank of America claimed that due to my action of adding " Authorized Users '' onto the account I was subsequently shut down because of this action in line with other " Economic Trends '' I have been a customer with Bank Of America for over 5 years now, since high school as a matter of fact. It was my first credit card with the bank which also was the longest running credit line in my credit profile. I called the Institution to question their motive when this decision was made. I was not given a specific reason despite my long tenure with Bank of America. Aside from the frustration, One of the cards is supposedly still open with the bank however, I can not use the line of credit, Will have to pay interest and fees yet the product itself is unavailable for me to use! In they're terms Of Service agreement, Bank of America States you may have up to 10 Authorized Users on a given account. 

I did not have nowhere near that number yet the bank decided I was too much of a risk despite my long history with the institution. It is woefully ignorant in this modern age for a Bank of this stature to not even so much as Call or text the customer given this decision. I am at a complete loss as to why this bank would do this when I have never had a single late payment and never have had any other issue in the past.
Product: Mortgage

I XXXX XXXX am trying to reorganized my financial situation without filing for bankruptcy protection. I therefore believe that over the next few months I can resolve a great deal of my debts through negotiations, and I need a modification package emailed to me as soon as possible. I request that all phone calls to me cease immediately by AmeriHome Mortgage, and that I receive a modification package to start on that process immediately and be protected from foreclosure proceedings under my protective rights with the addendum Fair Debt Collection Practices Act of 2014. Accordingly, I request this modification package immediately and I will explain in great detail my plan to get my affairs in order without bankruptcy.
Product: Credit reporting or other personal consumer reports

There was a breach of my personal information and report at XXXX XX/XX/2025 XXXX
Product: Debt collection

Greeting, I would to file a complaint and a Dispute against the company name XXXX XXXX XXXX  and debt collection company sequium assest solution, recently I had a debt collection for the amount of {$1000.00} for services for a company name XXXX XXXX  which i never had account or any services with the company and its seems a been fraudulent. Thanks in advance.
Product: Student loan

I was under the assumption that my student loans were paid off. I have contacted the US dept of education ( which have been very helpful ). Because they service my loan now. Which should be at a XXXX balance. The problem I am having is United States Aide funds will not send me a transaction history now. I am disputing my balance that they sent the US dept of education that I supposedly still owe. I have recorded phone calls of representatives hanging up on me and supervisors avoiding my calls. I have two voicemails currently waiting to be answered. On a second note I tried to rehibilatate my loan early in the loans life. I made the required payments and faxed them the contract they sent me only to be told I had to go through the rehibilitation program again. I told them I would not be dealing with them and they can take it out of my taxes. Keep in mind this was as far back as XX/XX/2008. Now I am running into the same runaround as back then. They refuse to give me any information on getting a transaction history from them. 
They keep forwarding me to the Us dept of education since they are now my ( should be paid off ) loans servicer. USAfunds is a joke with customer service and am also sure they are/or have violated many federal collection laws during the terms of my loans with them. My loans should be paid off and I can't get them to send me any info concerning my account. Please help me!!! 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC 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 XXXXXX/XX/XXXX.
Product: Student loan

I have private law school loans through ACS. I enrolled in " Checkmate II '' in order to gain a 0.25 % reduction in my interest and then pre-paid my loans so that the next mandatory payment would be in 2017. 

Recently ACS changed their system and announced that they would draw monthly funds from my bank account for the pre-paid loans. I complained, as I had pre-paid the loans and the pre-pay status was part of the reason I had done that. ACS agreed to not draw funds for my pre-paid loans, but they also cancelled my enrollment in Checkmate II ( functionally giving me a 0.25 % increase in interest ). This was a change to their system and it was not disclosed when I pre-paid my loans, and functions as a tax on me for doing the responsible thing and setting my loans into pre-pay status.
Product: Checking or savings account

I XXXX my account and closed it, but the bank charged a service charge and an overdraft fee on the service charge not notifying me of either charge, so this is a continuation of your case # XXXX
Product: Credit card

CITI CARD DOES NOT CARE AT ALL THAT THEY SEND ME OVERSEAS AND WHEN IT COMES BACK THAT I CAN NOT HEAR AND MY ADA ADVOCATE ALSO TOLD THEM NO OVERSEAS. WHEN IT COMES BACK I CAN NOT HEAR THEM. IT IS SO BAD. FLORIDA OFFICE IS JUST AS BAD AS OVERSEAS ALSO. THIS HAS BEEN TOLD TO THEM SO MANY TIME. THEY DO NOT CARE. THERE IS NO BANK IN THE AREA TO GO TO AND I AM READY TO CLOSE MY ACCT DUE TO BEING FOUGHT WITH OVER AND OVER TO HEAR. 
I CAN NOT HEAR WORDS HE IS SAYING IN FLORIDA AND HE WOULD NOT TAKE IT SERIOUSLY EITHER, IT REALLY WAS THAT BAD AND THIS IS NO LONGER FUNNY OR A JOKE AND I AM SO TIRED OF CALLING BACK FOR HOURS JUST STRAINING FOR HELP AND GOING OVERSEAS AND TO FLORIDA WHO DO NOT CARE AT ALL. 

MY ADA ADVOCATE XXXX TOLD CITI CARD TO NEVER SEND MY ACCOUNT OVERSEAS OR TO FLORIDA AND STILL IT IS HAPPENING, I CAN NOT HEAR OR UNDERSTAND. GET IT OK.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that have occurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. THis issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with sufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) these accounts are in violation of not reporting 100 % accurate.