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

hello, My name is XXXX XXXX I have a auto loan with TD Auto Finance for my XXXX jeep. It was repossessed XXXX of XXXX. I got it back 2 weeks later .I paid all fees .I am making every payment on time since. The bank put the title in their name when this happened and never put it back in mine in Pennsylvania. With that being said i can not get my jeep inspected or registered because the title is still in the banks name. I have called on a regular basis. I get the same run around .They tell me I'll get it the mail next week and it never comes. I need help .I need my jeep for work and everyday life. my account # with the back is XXXX.thank you kindly, XXXX XXXX
Product: Credit card or prepaid card

Card 's internal servers are constantly down. Customer support staff place me on hold. Every attempt I made to connect with an agent they deflected and sent me over to another department without actually addressing the problem. The agents were clearly only concerned with informing me repeatedly that I missed a couple of payments. 

Furthermore, there internal communications system is constantly undergoing routine maintenance. This limits the consumer 's ability to communicate and make payments in a timely manner. My credit card accounts are not an accurate representation of my integrity and my willingness to settle.
Product: Credit card or prepaid card

On XX/XX/XXXX, I contacted Genesis FS Card Services to address an error on my credit report. Despite having made a payment of {$120.00}, they reported an incorrect balance, causing my credit score to drop and leading to my denial for a rental home. After an escalated call, it was determined that there was a payment glitch on their end, but they were unable to provide a resolution at the time. A subsequent call on XX/XX/XXXX to request assistance from a supervisor was unsuccessful, as they were unable to provide a manager and instead requested a 3-5 day callback. The reported error has caused me significant financial harm, including the loss of a {$100.00} rental application fee and the inability to secure a home to rent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XX/XX/2024 XXXX XXXX 2024 Dear TransUnion, I am writing to express my frustration and confusion regarding the repeated responses I have received from your company regarding the status of the disputed account.FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy : I have the sole authority to determine what information should be considered private. I insist that this information not be shared on my credit report. 
Despite providing new and relevant information that clearly demonstrates the inaccuracy of the account in question, I continue to receive the same letter stating that the account has been verified. This leads me to question whether my information was adequately considered during your investigation process, and whether it was forwarded to the court for verification. I am interested in learning about your interactions with court representatives, including their full contact details. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
" XXXX XXXX XXXX '' with Reference XXXX : XXXX. 
Account is reporting when the US XXXX court does not report to anyone. This is a Violation of my privacy. Please delete. 
Please delete this account immediately for failing to do your due diligence making sure everything is XXXX XXXX accurate on my report. 
While I may not be an expert on credit bureaus and credit reports, I have conducted research that leads me to question the reliability of the XXXX system that is reportedly used for investigations. I understand that this system may not always provide accurate results, and it is unfair to rely solely on it for verification purposes. 
Furthermore, my research on the Federal Trade Commission ( FTC ) website indicates that credit bureaus are required to conduct thorough investigations rather than simply parroting information provided by creditors and collection agencies. Failure to do so may result in legal action under the Fair Credit Reporting Act ( FCRA ). 
I am reaching out to you with the hope of resolving this matter amicably. However, if your company chooses not to take appropriate action, I will have no choice but to file multiple complaints and seek legal advice from an FCRA attorney. 
I urge you to conduct a new and thorough investigation into the disputed account and take the necessary steps to correct this issue promptly. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

Please see attached Email proof Proof of service which proves I never said I even know this man Email proof that motion to compel was submitted prior to XXXX of XXXX Proof I offered XXXX dollar settlement t never received notice of approved settle t due by XXXX Proof complaint filed with occc about servicer serving a child
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is representing an apartment complex I lived at. After two years they  are stating I owe them $ XXXX. I have attached email between me and the apartment property management. They have now sold the file to a collection company while in dispute. Also I stated the rental box was broken into when I put in my 60 day notice. Should n't they have all this information? Should they have not done a police report? 
Property : XXXX XXXX XXXX Unit : XXXX Account # : XXXX Current Balance {$5400.00} I have disputed this prior to being sold as not mines and I do n't owe any moneys why they have sent collection is against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps validating a medical collection from XXXX XXXX XXXX in the amount of {$250.00} on my report. Experian has " validated '' it after each dispute, and i have disputed three times. But they have yet to show me how it is my collection, how it belongs to me, etc. I have disputed this account three times. This is not my account, i dont know who it belongs to. The creditor has never reached out to me. It is medical and under {$500.00} and just showed up in XX/XX/2022. They are incorrectly, and knowingly improperly reporting a collection on my credit report.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Debt collection

XXXX {$280.00} company has debt collectors and on my credit report
Product: Debt collection

I have received repeated phonecalls for 3 years from a company which is obviously the same company, but uses a different name each time they call. They are attempting to collect a credit account which XXXX placed for collections almost 10 years ago. It's well outside the statute of limitations for lawsuits. They use threatening language ( lawsuits ), abusive language, they've called my mother, they leave threatening automated voicemails, and they claim to know nothing about previous contacts every time they call me. 

Today they named themselves as " XXXX XXXX  XXXX Department '' with a call-back number of XXXX. 

They always call from either a spoofed number or a private number. They will not disclose the legal name of their company, they do not disclose any mailing address or account numbers, and they refuse to remove my numbers ( personal, work, parents house, etc ) from their systems despite repeated demands to do so.

I have attached various correspondence I have seen to every agency I was able to locate which may be associated with the debt, as well as the one reply I received from XXXX, and several example voicemails I have received.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE Please take immediate action to remove the unauthorized inquiries from my credit report, as they were not initiated by me and are causing me significant distress.
Product: Checking or savings account

I opened a U.S. bank account at U.S. Bank in XXXX, KY, on XX/XX/XXXX. On XX/XX/XXXX, I received a letter stating that the bank was in the process of closing my account and would mail a cashiers check to my address on file within 15 business days. However, after waiting the full period, the check never arrived. 

When I contacted the branch, they informed me that I needed to verify my identity in person before they could release the funds. I went to the branch and completed the verification process. Despite this, as of XX/XX/XXXX, the bank is still holding my funds $ XXXXwithout providing any valid reason. Every time I call, they tell me the issue is out of their hands and that they have no control over my funds.
Product: Credit reporting or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting.

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

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Credit Agency Re : Incorrect Address on Credit Report To Whom It May Concern : I am writing to dispute an incorrect address that is currently being reported on my XXXX credit report. The address in question is XXXX XXXX XXXX XXXX. XXXX, FL XXXX This address does not belong to me and I have never lived there. I am requesting that you immediately delete this address from my credit report, as it does not accurately reflect my credit history. 

Please investigate this matter and make the necessary corrections to my report. Send me a copy of the amended report once the false information has been removed. I have enclosed a copy of my driver 's license as proof of my current address. 

This is urgent as the incorrect address is creating problems for me. Please process this dispute request within 30 days as required by the Fair Credit Reporting Act. 

Thank you for your cooperation and prompt response.
Product: Vehicle loan or lease

I have a personal loan and an auto loan with Pentagon Federal Credit Union. Over the past several months, I have been contacted numerous times by the credit union with unreasonable requests and demands. For the personal loan, they continue to send me promissory notes to sign - however, I refuse to sign them because they have the incorrect interest rate listed on the contract. 

With respect to the auto loan, I have been contacted several times to provide a copy of my license and proof of insurance and to sign and return documents. I have done all of these things. They also contacted me requesting the title - so I contacted the previous lienholder and was told it was being sent over again. It was then communicated to me that they had everything they needed. A couple of months later, I receive not only another demand for the title but also notified that my auto loan rate was going to be increased to 14 % immediately. I believe there is something amiss with this credit union and some action needs to be taken so they can get their act together.
Product: Credit reporting or other personal consumer reports

This company reported inaccurate and inconsistent information on my credit reports to XXXX and XXXX. I downloaded my credit report on XX/XX/year>2024 and it showed a lot of errors on my account regarding this company. I was never late while I had an account with this company in which they obtained my personal information illegally and without my consent, and they also reported false information without my written consent. I called them numerous times ( too many to write ) to ask them to remove the late payments from my credit report they told me they would not do so.
Product: Credit reporting or other personal consumer reports

I am extremely frustrated by the credit report I recently received! This situation is completely unacceptable. I am deeply disappointed that your company allows such glaring errors to occur, causing significant damage to people 's lives and reputations. Despite multiple letters sent to your company regarding these erroneous accounts, it appears that Equifax credit bureau has failed to take appropriate action and continues to report them. 

I urgently request the immediate removal of these accounts. These oversights on your part are causing me significant financial hardship. Failure to comply will leave me with no choice but to pursue legal action against both the bureau and the responsible entities. This is not merely a request but a demand for compliance with the law and justice for the affected consumer. Thank you for your attention to this matter. I have no idea where you obtained the following accounts. 

XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Checking or savings account

I have been banking at this bank for over a year and the so called policy for overdrafts is unrealistic. I had an overdraft on XXXX XXXX XXXX, 2020. When it occurred I immediately transferred money for my connected savings account. Now it XXXX XXXX and they are charging me {$37.00} for this overdraft. I contacted Fifth Third to ask for it to be returned. I spoke to a representative and I spoke to a supervisor, by the name of XXXX. She refused to refund the overdraft, even though its been over 6 months since I had an overdraft, I had more than enough in my connected saving demonstrating that I had the money to cover it. I then asked for the XXXX over the supervisor and the supervisor refused to transfer me to a higher level of management. I would like my {$37.00} refunded. 

In a separate situation a few weeks ago my direct deposit was late processing and I applied for a signature loan and was denied not for credit but for having overdraft fees. This appears to be away for banks to denote minorities access to loans and other financial products by refusing to take fees off. 

I have a direct deposit every week and its $ XXXX and for the bank to keep doing this is shameful.
Product: Money transfer, virtual currency, or money service

Alliance Association Bank XXXX XXXX XXXX Bank ) is the company that my HOA uses for online payments. On this latest payment ( XXXX ) they started charging a {$2.00} a month fee for ACH transfers. Those transfers are " generally low cost or free '' according to XXXX. 
This is a cash grab and nothing else. They are stealing from hard working families just to line their own pockets. XXXX {$36.00} a year from EVERY house in a development times the number of developments that they service, All my other loans, credit cards, or subscription services have NO FEE for the same service. Their ACH fee is higher than the credit card fee ( 3 % ) for the same payment.
Product: Checking or savings account

I opened a savings and checking account on line for Citi bank. I could not fund it until I got the debit card which I did get a week later. I did trial deposits at another bank that were verified and I then made an ACH from the external bank to Citi. The night ( XX/XX/2018 ) before the amount was to be credited to my citi bank account they cancelled the transfer as they said the names did not match. That was not true and I verified it with their person but it was too late to reverse. So my {$15000.00} is now floating somewhere to be credited to my external account in 3-4 days. This is totally un excusable and possibly illegal and your help is appreciated so no one else gets taken by Citi
Product: Mortgage

Mortgage loan process was difficult to say the least, but the final straw came when we were ready to close on house and Suntrust bank FAILED MULTIPLE TIMES to send money to our lawyers office. Once that was completed, we are now having problems trying to pay down the loan! On XX/XX/2021, we paid a lump sum of {$520000.00} to pay down the loan to {$20000.00} dollars. As of XX/XX/2021, no payment has been processed and on top of that we get a computer generated email that we are late on payment! ( payment due XX/XX/XXXX ). To rely on Teller Coordinator to solve this problem is totally UNACCEPTABLE!
Product: Checking or savings account

My card was locked and they still let money get withdrawn from my account and I have over XXXX in overdraft fees, they closed my account because of it
Product: Student loan

I tried to make a student loan payment of {$150.00} on XX/XX/23. I received a confirmation email on XX/XX/23 that my payment was scheduled that day. The payment was reversed. I tried to quick pay through the website but an error occurred. I tried calling Edfinancial multiple times but I did not hear back. I would not be held liable for a late payment because it didn't go through.
Product: Credit reporting or other personal consumer reports

Under 15 U.S Code 1681e ( b ) Accuracy of report whenever a Consumer Reporting Agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( a ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the Consumer Reporting Agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item information as appropriate based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 7 ), which entitles me to request the method of verification used to investigate. I previously disputed the accuracy of this/these account ( s ) on my credit report, and I recently received your response stating that the disputed items were " verified. '' However, I am requesting a detailed explanation of the following : The method and process you used to verify the accuracy of the disputed information. 

The name, address, and contact information of the person or organization you contacted during your investigation. 

All supporting documentation or evidence provided by the furnisher of the information to support the continued reporting of the item. 
As required by law, please provide this information within 15 days of receiving this request. If you can not substantiate or verify the disputed information, I request that you immediately delete or correct the inaccurate information, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ). Please remove the following items from my credit report immediately XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a consumer I have found accounts on my credit that are inaccurate/incorrect and I would like them to be removed from my credit report since I have no proof of these accounts belonging to me.
Product: Credit card or prepaid card

Received text message that Wells Fargo credit card may be compromised so I followed the link and unfortunately provided all my personal and private information. I have also had an unemployment claim filed that is fraudulent as I am still employeed. 

Text link came from http : XXXX?
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX ; I pulled my credit score to find a Collections Account loan from XX/XX/XXXX from XX/XX/XXXX, I do not recall obtaining or show records of receiving any funds from. The account has now been sent to AD ASTRA Recovery Service for Collections. On XX/XX/XXXX, I sent ( via certified mail ) a letter to AD ASTRA Recovery Service, requesting all information of this account. I requested everything that is in the due diligence to send an account into collections ; Actual copy of my signature on the loan agreement, phone call records, mailing records in which they did come in contact with me. I received back ; a typed out loan agreement with my current address on the loan agreement, with a computer generated, typed signature, and a loan payback agreement. In XX/XX/XXXX, when this loan was supposedly obtained I lived in a completely different city & area code ; yet what the " History of Payments '' reflects my current information. I have disputed this with the Collections company to which I was told to Pay or they will continue to report and update the dates so it will stay on my credit report ; I have disputed with the collections agencies that this information was incorrect & supplied them with the paper work I sent in & the letter received back. I also submitted in a copy of the Alabama LAW & LAW CODE about reporting " Payday Loans '' on credit. This account has caused multiple issues personally ; for one I have not been shown the correct paper work that they have to supply, and 2nd, under the state law is not a proper credit reportable account. AD ASTRA RECOVERY SERVICE is a fraudulently reporting & damaging consumers credit reports ; with a blank disregard to the law.