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

I had a leased vehicle from Hyundai back in XX/XX/XXXX. My lease was ending soon and was told I could purchase the vehicle at the by sending in the payment through Hyundai Motor Finance ( HMF ) online, and then sending in an Odometer Statement. 

I did this back in early XX/XX/XXXX. It has now been three months and HMF has yet to send out the title. First they said it would be sent in 7-10 business days. Every time I call they tell me that they " will escalate '' and I will hear a response in 5-7 business days. I never get a response, and call back. They tell me something different each time. 

One time they said the title was sent to me, and then sent back to them for a bad address. Another agent said that never happened, and when asked if it was a lie, they said, " Yes. '' They claim the Title Department only works XXXX and XXXX, but can not say where my title is or why it is taking so long. I purchased this vehicle and I need to get it registered in my name as the registration expires soon, but I can not do so without the title. 

One agent on the phone told me to email XXXX. I did this with the information, but they were unable to assist, and then forwarded my email to the Lease Buyout Team. I talked to this team over the phone, and they said it was Titles team who releases titles. No one seems to know where my title is or who is working on it, and there is no contact info for the Titles team.
Product: Credit card or prepaid card

My card discover card was charged fraudulently on XX/XX/2022 for XXXX and on XX/XX/2022 for XXXX by a company I had already closed my acct with. I called apetroptics on XX/XX/2022 and spoke with agent XXXX to close my acct. on XX/XX/2022 it was brought to my attention that apetropucs is continuing to charge my account. I called and spoke to discover and spoke with XXXX XXXX and XXXX. I didnt catch what cities these agents were in. They told me that because I had previously done business with this company that they can not dispute these charges because of this and hung up on me.
Product: Debt collection

I paid off the account, AAFES which was assumed by XXXX XXXX XXXX. I contacted the XXXX XXXX in XX/XX/2020 for the balance of this account so I could pay it off in full. They told me the balance was {$3300.00}. By XXXX XXXX, 2020. I paid the entire balance off and was later informed that I overpaid by couple of dollars. I requested a refund and they never sent to me. I receive another bill charged for interest on an account that was paid off. The balance was {$2.00} but they only applied {$1.00}. Now the balance is XXXX cents. This company continuously defrauding me every month and refuse to show that the account is paid in full and close it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the creditor however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this late payments need to be updated.
Product: Checking or savings account

Cashapp has not refunded me nor has not been wanting to refund me my money that I been scammed. It already has been almost 2 months and all I get is that it has been denied for no reason. I did get 1 of 5 refunds that I was supposed to receive but didnt receive the rest. I am currently still missing almost XXXX USD. How is it that they refunded me one but not the rest? How is it possible for someone to make all those transactions in less then an hour? And still not find a scam in it? I already tried to call, email, and chat through them online through the app and they Totally ignore me. Please I need this money I did not give an authorisation for the transactions that were made. I even tried to tell them before they took my money out so they could cancel or prevent the transactions and all the told me was that I had to wait for them to go through. Not a satisfy customer right now and definitely no good customer service. No one had access to my card.
Product: Credit reporting or other personal consumer reports

I filed recent disputes with XXXX, XXXX and XXXX and requested that all 3 major credit bureaus XXXX, XXXX and XXXX provide me the method of verification, the description of procedure and all of the documentation rendered or retrieved that proves these negative reporting 's and accounts are accurate. Based on 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) I am within my rights to request this information within 15 days or it must be removed from all of my reports. The accounts that I included in the dispute were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX denied to follow up with investigation and documentation of the performed investigation. I recently was notified that the CFPB has filed a lawsuit against the companies XXXX and XXXX. They alleged the companies of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. XXXX and XXXX have not attempted to remove, nor correct any information. I am requesting that all derogatory remarks be removed or corrected immediately as it is affecting my chances of homeownership and creditworthiness. XXXX and XXXX violates my rights as a consumer as well as federal laws. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1666b - Timing of payments. A CREDITOR may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the CREDITOR has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The late payments on XXXX XXXX XXXX XXXX are current and open, there should not be any late payments reported and I have not received any documents showing these late payments within the 21 days before due payment. Please remove and delete the late payments attached to XXXX XXXX XXXX XXXX from my credit report The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1679c disclosures. Any credit repair organization shall provide any consumer with the following written statement before any contract or agreement between the consumer and the credit repair organization is executed : Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. Department of educationXXXX student loans are over 7 years old. Please remove these accounts and delete the late payments attached from my credit report. According to code 15 USC 1681. The companies listed below 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX XXXX Date Opened : XX/XX/XXXX DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Date Opened : XX/XX/XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Date Opened : XX/XX/XXXX {$8200.00} DEPT OF XXXX / XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Date Opened : XX/XX/XXXX {$920.00}
Product: Debt collection

I received a letter form Marcus By Goldman Sachs, Goldman Sachs Bank USA, and Goldman Sachs Bank requesting money from me. I responded and sent Marcus By Goldman Sachs, Goldman Sachs Bank USA, and Goldman Sachs Bank a Notice to Validate the debt claimed that I owe. 
Marcus By Goldman Sachs, Goldman Sachs Bank USA, and Goldman Sachs Bank ignored my requests to validate their account on XX/XX/2020. 
Marcus By Goldman Sachs, Goldman Sachs Bank USA, and Goldman Sachs Bank received 3 notices to 3 different addresses via certified mail. 
Marcus By Goldman Sachs, Goldman Sachs Bank USA, and XXXX XXXX Bank failed to provide proof of contracts explaining why they feel like I owe them anything. 
This account has been updated each month with the 3 major bureaus and has not been validated This account has been charged off 28 times.
Product: Debt collection

on XX/XX/XXXX i open 4 phone lines plan of XXXX XXXX at XXXX. on XX/XX/XXXX, i called to XXXX XXXX to moved 4 phone numbers from XXXX XXXX XXXX to XXXX XXXX. However, one phone line was change the number, so 3 phone numbers was successful to port out of XXXX XXXX XXXX, still one phone number in it. After i receive the bill, i called to XXXX. I used to pay a 4 phone lines plan is XXXX, each phone line is XXXX. i did not use ever 1 mins in the month of XXXX XXXX why XXXX  billed me XXXX. I told the XXXX  rep, i can pay XXXX per phone line plus tax even thought i did not use the plan service because a phone number leave. The XXXX XXXX XXXX rep said he can not adjust. I paid with my credit card first. Then i asked my credit card for consumer right, so i got the money back. on XX/XX/XXXX, i got the called from Sequium Asset Solutions , LLC, I told them all situation, and said that was XXXX XXXX XXXX false. SAS, LLC rep not listen to me, because XXXX XXXX XXXX hire them. on XX/XX/XXXX, i received a letter of collection .It very hurt my credit score, so i paid it. XXXX XXXX XXXX AND SEQUIUM ASSET SOLUTIONS , LLC, BOTH COMPANY ARE OVER THE LAW OF CONSUMER RIGHT OF THE UNITED STATED OF AMERICA. WHY WE STILL NEED THE FEDERAL TRADE COMMISSION? IT ALWAYS PROTECTS BIG COMPANY AND HURT OUT SMALL POTATOES ( PEOPLE ).
Product: Mortgage

I contacted a number of companies to get quotes to refinance my mortgage on XX/XX/XXXX. Mr. XXXX XXXX from Amerisave called me after I submitted a request online. Mr. XXXX told me I should complete the application that day and that the cost and rates will be the lower of the day I sign the application or when I am ready to close. In mid-XXXX I received an updated loan disclosures showing the cost of the points rising from {$420.00} on the initial disclosure to {$9500.00} on this new disclosure. I called Mr. XXXX who said that I should not worry since the cost of the loan will not be any higher than quoted on XX/XX/XXXX. When I asked for a document verifying this information, he said he would have to ask his supervisors for it. I eventually received an updated disclosure that reduced my points/fees to {$4700.00}. When I asked Mr. XXXX to honor the initial rates he provided when I signed the application, he again said he would need to speak to his supervisors. He never called me back. After that point, he stopped returning any of my phone calls or responding to my emails. The last time Mr. XXXX and I spoke was on XX/XX/XXXX. Amerisave continued to send me documents that needed to be filled out. The first was a set of documents pertaining to the subordination of my HELOC. The second was a rate lock document. I refused to complete any of their requested forms because I refused to pay the additional fees they were now charging. Yet somehow, my refinance was approved, the rate was locked, and the documents for the HELOC subordination were no longer necessary. I made numerous calls to Amerisave, beginning on XX/XX/XXXX, to cancel my mortgage application. Almost everyone I spoke with said Mr. XXXX had to cancel it. After explaining that he was not answering my calls, I was able to work my way up the chain within Amersave to cancel the application. Mr. XXXX employs deceptive practices in getting people to sign an application with Amerisave. The costs promised were not honored.
Product: Mortgage

I applied for a modification for the loan. I was waiting to hear back if I received the modification and received notice from Seterus 's lawyer that i was scheduled for foreclosure in 3 weeks. I had not received any communication prior to that. When I called Seterus, I found that they had been sending communication to a lawyer that I no longer had. One letter that they sent had my address but another person 's name on it. When I told them that they had sent everything to the wrong place and asked for more time since I didn't know I didn't receive the modification and got the foreclosure notice so late, they refused.
Product: Checking or savings account

I enrolled in a Citibank account promotion for airline miles. Detailed in bold on the back of the promotion within the terms and conditions, it says, " Your AAdvantage bonus miles will be credited to your AAdvantage account within 30 calendar days from the date you complete all Required Activities. '' I've called Citibank multiple times after completing the activities and have been told by two " supervisors '' that is not what it says and it is 90 days from the date I opened the account and then an additional 30 days after that. 

That is not what the piece of paper I have in front of me says.
Product: Mortgage

In XX/XX/2020 we were approved for a 30 year fixed mortgage with Wells Fargo to purchase a home in XXXX, Wyoming. Well Fargo told us that if we opened a NEW checking account AND funded it with {>= $1,000,000} we would get an .5 % interest rate discount ( 2.375 % instead of 2.875 % ). 

Based on this agreement and Well 's specific instructions, we opened a new Wells checking account and funded it with $ XXXX on XX/XX/XXXX which was 7 business days BEFORE our scheduled closing on XX/XX/2020. 

Between the time the $ XXXX was deposited ( XX/XX/XXXX ) and the expiration of escrow ( XX/XX/XXXX ) Wells failed to produce closing documents with the lower rate ( 2.375 % ). On the final day before the sales contract was to expire Wells Fargo indicated that they could not produce the closing documents with the lower rate ( due to admitted internal delays ) but that they could produce the documents at the higher rate instead.

At this point we had essentially no choice other than to lose the house or to close the loan at the higher rate.

We filed an official complain with Wells Fargo which resulted in Wells ADMITTING they failed to perform in a timely manner but refusing to re-price the loan in accordance with the original agreement.

In my opinion, this is an example of Wells Fargo bait-n-switch. ie : Dangling a lower interest rate in exchange for opening a new checking account ( key performance indicator for Wells ) but then failing to make good on the agreement. This behavior is highly similar to the recent fraudulent behavior Wells Fargo for which Wells has been penalized by the SEC.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2020 I called In to first progress credit and was trying to pay my bill the one woman was very rude I hung up on her. The next person to help me was fine I paid my bill, got charged the fee again for doing so and continued my day. I believe that the woman was angry after speaking with me and without consent closed my account that was only open for 2 months. After. Any calls I was told this was a mistake and that it would definitely not show up on my credit report as they report the XXXX. I was promised over and over that the account closure was a mistake and it would be reversed in 48 to 72 hours. This company is very very shady and that should not be in business. I have made hundreds of payments on time and have had no issues with any company except them. This company has single handledy in 2 months dropped my credit score from XXXX to XXXX in a matter of 2 months and it is wrong I've do e all I can to reach out but they are bullying me and effecting my life over a simple XXXX dollar prepaid card. On top of the fact that I believe they have sold my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out personally and so has the agency hired on my behalf to do so named XXXX we have reach out to all major Credit Agencies Lexus Nexus, and others I have submitted metro 2 letters of challenge and compliance with no response for 2 months now. I just sent out last week round 2 of the same letters and am waiting to hear back. Since they have had enough time more than 30 days since round 1 letters to respond. They haven't done so I am reaching out to CFPB for help in cleaning these issue up ASAP. 
I also submitted letters and proof to all above mentioned agencies to remove false reporting data from my accounts as the name and address are incorrect as is all the other reporting as I have never extended written consent to any reporting agency to report anything on my behalf. I have hired XXXX credit repair agency to act on my behalf to dispute fraud with said agencies and I have also myself send out letters requesting immediate removal of fraudulent reporting as I have NEVER gave permission to any company to report anything on my behalf except the above mentioned credit repair agency. I have not been able to reach anyone from the above mentioned credit agencies. I am frustrated and want my credit cleared ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent and call both Westlake Financial, XXXX, and XXXX   regarding TWO unauthorized charges on my reports for XX/XX/2018 and XX/XX/2018. Both of which was not authorized by me. I sent faxes to XXXX and XXXX  requesting an investigation XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 as well as XX/XX/2018. I sent faxes to both of these bureaus continuously as these charges were not authorized. And they are still appearing on my credit report and findings have been provided to me.
Product: Credit reporting or other personal consumer reports

I recently did a pre-approval for a mortgage through Chase Bank. I manage my Credit File via XXXX. I always keep my credit file locked. So when Chase did the enquiry I unlocked my file for a moment and locked it again once Chase had successfully did a credit enquiry. 

Now both Chase and XXXX are stating they did not share my info and this credit enquiry outside. But since my credit enquiry I am getting 20+ calls a day on my cell phone which is linked to my XXXX account from various Lenders. And they all are aware of my mortgage credit enquiry.. 

I never permitted either XXXX or Chase to share this enquiry outside. So frustrated on how this got leaked and more importantly how did my personal info got shared externally. My home address, my phone number and name and the fact that I applied for mortgage.
Product: Mortgage

We filed a complaint with the CFPB on XX/XX/XXXX regarding our mortgage servicer, NewRez. We received a response on XX/XX/XXXX from XXXX XXXX of the NewRez Compliance Department. 

XXXX XXXX stated " The loan payment history we have available starts on XX/XX/XXXX through the present date. Unfortunately, the prior servicer, Ditech Financial LLC ( Ditech ) did not provide the life of loan history ; therefore, we are unable to comply with the homeowners request for a payment history from origination through XX/XX/XXXX ''. 

In XXXX XXXX 's response, inaccurate and incomplete Escrow Payment records from XX/XX/XXXX to XX/XX/XXXX were provided. Escrow Payment Records from XXXX, XXXX, XXXX, XXXX, XXXX and XXXX were not included. 

1. Where are the Escrow Account Payment RECORDS including the Escrow balances from XXXX, XXXX, XXXX, XXXX, XXXX and XXXX? 

2. In reviewing the documents that NewRez supplied in their response, there are no ESCROW ACCOUNTING RECORDS from XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Apparently NewRez does not have any Escrow Account Records at all from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX because in their reply on XX/XX/XXXX the only Escrow Payment Records that were included were up to XX/XX/XXXX. Therefore what records did NewRez use to calculate the claimed amount of due of {$4400.00} which was filed on Official Form 410S1 on XX/XX/XXXX with the United States Bankruptcy Court for the : Western District of North Carolina? 

3. Why did XXXX XXXX state that " The loan payment history we have available starts on XX/XX/XXXX through the present date '' However she only provided Escrow Account Payment Records up to XX/XX/XXXX and not the present date? Why did she not provide any Escrow Accounting Records for 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy in my credit report and noticed this fraudulent account on my credit report. I disputed this fraudulent account on XX/XX/2025 on my credit report it was removed from my credit report XX/XX/2025 the company then placed it back on my credit report in XX/XX/2025 without giving me a warning of five business days to replace it back onto my credit report. Please remove this fraudulent account from my credit report is hurting my ability to obtain credit to purchase a home for my family. Thank you.
Product: Credit card

I am writing to address an ongoing issue regarding unauthorized charges on my credit card and the subsequent impact on my account. 

On XX/XX/2024, I was alerted to suspicious transactions on my card, including a charge from XXXX XXXX for {$1200.00} and another from XXXX for {$190.00}, along with several declined transactions. I was in XXXX, Florida, at the time, and I received a call from Navy Federal to confirm these transactions. During the call, I declined the transactions due to the suspicious activity but later realized I had made an error in identifying legitimate transactions. I promptly called Navy Federal to clarify which charges were fraudulent versus valid. I was assured that my case would be reopened and requested proof of the disputed transactions. I also provided evidence of my presence in XXXX, including tickets and transaction records in Florida. 

Since then, I have not received any follow-up regarding my case, and my account has been charged overdraft fees. Additionally, I have now been sent to collections due to late payments resulting from these unresolved issues. 

Please assist me in resolving this matter as soon as possible and advise on any steps I need to take to correct my account status
Product: Credit reporting

XXXX and continues to withdraw money from my checking account even after FTC has sued One Technologies. We have never used these companies and do n't know how they got our personal Info. Case # is above ( XXXX )