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

I paid off my Capital One auto loan for my XXXX XXXX XXXX XXXX in XXXX of XXXX and never received the title. 

Capital One advised me it could take up to 21 days to receive the title. I gave them WELL over that amount of time to release the lien and provide me with the title. 

I reached out to their customer service in XXXX of XXXX, and was told that Capital One sent electronic notice to the VA DMV to release the lien, but the VA DMV replied saying that the title number did not exist. Apparently no one at Capital One bothered to follow up on that reply, or even notify me about it. I then went back and forth with their off-shore contracted customer service well into XXXX of XXXX, receiving no resolution or information. 

Capital One then eventually sent me a notarized PAPER lien release letter out of the state of Texas. The major issue with that? Capital One participates in the ELECTRONIC Lien program, requiring them to electronically correspond lien information with the DMV, which means that the paper lien release letter they mailed to me is completely useless. The VA DMV also rejected the lien release letter when I tried to submit it to obtain a title. 

According to Virginia Code 46.2-643 : It shall constitute a Class 3 misdemeanor for a secured party who holds a certificate of title as provided in this title to refuse or fail to mark satisfied and surrender it to the person legally entitled thereto within ten days after his security interest is satisfied. 

In conclusion, not only is Capital One failing to abide to the process of a state-mandated program that they are required to participate in, they are also blatantly in violation of Virginia Code .
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to experian.however the credit bureau claims they completed the investigation and everything was accurate. 
According to the law 15 U.S. 1681a definition rules construction.the term investigate consumer report.means a consumer report or portion there for in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews.with neighbors and Friends or associates of the consumer report on or with others with whom he is acquainted or who may hav knowledge concerning any such items of information.how ever such information shall not include specific factual information on a consumer credit report obtained directly from a creditor or directly from a creditor of the consumer reporting agency.I would lik to kno who did they talk to.and how did they complete the investigation please.
Product: Money transfer, virtual currency, or money service

XXXX XXXX - I made a transaction from my XXXX account to my XXXX ( Coinbase ) Ether account of XXXX XXXX worth {$860.00} at that time. 

I realize that I must not send XXXX XXXX to my XXXX Ether address. However mistakes happen and now I have {$860.00} dollars worth of XXXX sitting at this address at XXXX and I ca n't access it. 

I immediately tried to cancel the transaction but it was too late. I also immediately contacted the customer support but I was told that the money is not accessible. 

I understand that I made a mistake and I also understand if I have to pay a service fee to get my money back - but I ca n't accept that the money is lost.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX  Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I applied for housing on XX/XX/21 with XXXX XXXX properties for my relocation to XXXX XXXX, CA. Once I approved, I received my lease agreement and was instructed by " XXXX XXXX '' property XXXX to send a deposit and first month 's rent to secure my housing. I sent an online deposit for {$5000.00} to the instructed bank account. Once I arrived in XXXX XXXX, the property XXXX was to meet me at the residence with the keys. He never showed up and I found out the apartment was not real. He scammed me out of {$5000.00}. I filed a police report, XXXX # XXXX with XXXX XXXX Police department and contacted Bank of America to file a claim. I have not received any success with getting my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax report cant be accessed by myself or my bank. After contacting Equifax XX/XX/2018 .. they advised me for the 7th time within a month that they are working on it and would either call or send a letter once the issue is fixed. Needless to say they never contacted me or fixed the issue. Im trying to purchase a home but can because the file is not excessable.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the late payment information reported on my credit profile for my account with [ XXXX ], account number [ XXXX ]. I am requesting the removal of these late payments under the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ). 

*Under 15 U.S. Code 1666b - Timing of payments : ( a ) Time to make 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. 
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge *15 U.S. Code 1681b - Permissible purposes of consumer reports It has come to my attention that my credit report incorrectly reflects late payments for this open account. As per the FCRA, Section 605, a creditor is prohibited from reporting inaccurate information. Reporting late payments when they do not accurately represent my payment history is not only misleading but also illegal. 

I believe that the late payments reported do not accurately reflect my payment history due to XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at the time of which I did call and make several arrangements. Under the UCC, it is crucial that any reporting of account status is both accurate and truthful. Failing to adhere to these regulations can result in legal consequences for the reporting entity. 

I kindly request that you investigate this matter and remove the inaccurate late payment entries from my credit report. I am committed to maintaining this account in good standing and would like it to be updated to reflect a current status. 

Please find attached any supporting documentation that may assist in your investigation. I appreciate your prompt attention to this matter and look forward to your response confirming the removal of the late payments from my credit profile. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Transunion, nothing has changed! So once again, I would like to request the suppression of these items from my credit report, which is the result of a fraudulent item origination and identity theft. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I'd like this account deleted from my file ASAP : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : TOYOTA MTR XXXX
Product: Credit reporting

I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX/XXXX/15 Banking XXXX XXXX/XXXX/15 XXXX XXXX/XXXX/15 XXXX You have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Checking or savings account

XXXX : I opened a checking account with Chase Bank online, and transferred {$3000.00} from my XXXX XXXX  savings account via ACH. 
XXXX : I transferred {$900.00} to the Chase Bank checking account from my XXXX checking account. 
XXXX : I get an error signing into my Chase account and a message telling me to call Customer Service. They call and tell me they closed my account due to suspicious activity. 
XXXX : I call Chase Customer Service again to ask about the refund for the transfers. They tell me to call back in 3-5 business days for a tracking number. 
XXXX : I call again and they tell me to call again in 3-5 business days. 
XXXX : I call again and they tell me to call again in 7 business days. 
XXXX : I call again and they tell me to call again in 7 business days. 

It has been almost a month since they closed my account and no word of any refund being sent to me.
Product: Debt collection

I have told this company to cease communicating with me and they are communicating with me indirectly. In the fair debt collection practices act section 803 it states that communication is defined as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and an indirect communication by this company is reporting to my consumer report.
Product: Student loan

On XX/XX/XXXX, I received a notice stating that my Income-Based Repayment ( IBR ) plan was approved for {$300.00}. This is over a {$50.00} increase from last year. The year before ( 2016 ),  my payments increased by about {$100.00}. I am making a complaint because last year a XXXX representative told me that my IBR was calculated using my gross income instead of my adjusted gross income. When I called today, the representative ( XXXX ) gave me a formula that was used to calculate my IBR payment. I asked him to e-mail the formula to me ( I wanted to do the calculation myself and could n't remember all parts of the formula ) but instead he e-mailed me information about PSLF. I think XXXX is miscalculating IBR payments, and I do n't think they 're being consistent in providing information on how IBR payments are being made.
Product: Credit reporting, credit repair services, or other personal consumer reports

We refinanced our XXXX XXXX  mortgage with another bank, and XXXX XXXX  has not reported accurately to all 3 credit bureaus. Both our mortgage and heloc accounts are still showing up as " open '' even though we refinanced almost 2 moths ago. 

I called XXXX XXXX to inquire when they would report and they told me the XXXX of every month. Today is the XXXX and the only credit bureau they reported to was XXXX. XXXX and Equifax are still showing XXXX XXXX accounts as " open ''.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal and blocking of fraudulent accounts from my credit report under the Fair Credit Reporting Act ( FCRA ) Section 605B. The accounts listed below are the result of identity theft and do not belong to me. Account : XXXX XXXX, XXXX XXXX, And XXXX..
Product: Vehicle loan or lease

I called GM Financial again. After i requested to speak to XXXX or a XXXX the XXXX and i got into an argument and began talking over each other. She told me when I can act like an grown woman I can call back and she hung up after i waited XXXX minutes to get to her. I am calling back and have been on hold again for XXXX minutes. 

She seems to feel she can take any tone or making any comments to me that she wants and then hang up. I am already being screwed over by GM Financial, there's no need to disrespect me also
Product: Credit reporting, credit repair services, or other personal consumer reports

Opportunity financial is still showing up on my credit report as a charge-off they agree to take it off if i settled with them and i did just that a year ago Ive sent plenty of certified letters and got no responds.it is reporting on all three of my bureaus XXXX XXXX XXXX XXXX  is reporting a late payment of {$570.00} From XX/XX/2022 i was never late with that payment and I've sent at least 4 certified letters so they can correct it and they never did it is reporting on all three of my bureaus XXXX XXXX is on my credit report and they agreed to remove it if i paid in full and they never did it recently i was able to get it removed from my TransUnion but its still reporting on my XXXX and XXXX list of tracking number XXXX XXXX XXXX XXXX
Product: Credit card

I received a letter from SunTrust Bank dated XXXX/XXXX/XXXX in which they announced a 37 % increase in late payment fees. Specifically, it reads " Based on changes in consumer price index, the amount of the first late payment or first returned payment fee is changing to up to {$27.00} ''. 

However, a look at the actual XXXX data provided by the XXXX XXXX XXXX XXXX clearly shows that the XXXX has been *decreasing* since the middle of XXXX, and has actually been running slightly negative in XXXX so far. I called SunTrust at XXXX and talked to someone by the name of XXXX who told me that " this department does n't handle that ''. When I asked him to tell me who did, he placed me on hold for 10 minutes. When he came back, he informed me that there was no one to talk to about this. 

I think that I 'm entitled to an explanation when a bank fee suddenly jumps by over one third, instead of getting the typical bank stonewall treatment.
Product: Credit reporting or other personal consumer reports

Both Shellpoint Loan Servicing and XXXX have agreed there is an obvious error reporting delinquencies in XXXX and XXXX of XXXX on a mortgage account that was PAID IN FULL in XXXX of XXXX. Both companies have ackknowledged it's an obvious error but both companies insist there is nothing more they can do ... Today I followed up with with XXXX using trouble report Reference Number XXXX, A case number that was provided from an earlier escalation to investigate on XX/XX/XXXX with a promise of resolution within XXXX hours ... Today XXXX, Agent ID XXXX told there is absolutely nothing more they are able to do and hung up on me when i asked to speak with a supervisor. 

I AM BEING DENIED A MORTGAGE LOAN AS THE DIRECT RESULT OF THIS NEGATIVE REPORTING
Product: Credit card or prepaid card

Target marked a payment as late. what happened is they attempted to charge a bank account that was removed several months previously. They did not attempt to charge a current account. I called Target and they fixed the issue and said it would not appear on my credit report. But then it did so I called them again and they said they would remove it and yet they did not. 

due to an error on their side there is a false late 30-day payment mark that needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I've summited a couple of disputes through XXXX  and XXXX  's web site with no positives results, 4 years ago I entered a program with XXXX XXXX XXXX to pay off some creditors seems it help pay off my debt but there's one creditor that's not reported correctly to the credit bureau stating the loan was never paid or a lost account I've found out that the account was sold to a 2nd party and the settlement agreement was paid to them even though I have uploaded my settlement agreement letter and also another letter stating the account was paid and settle there is no changes made on my credit report with this creditor Sofi,
Product: Checking or savings account

The following purchases were made without my authorization : XX/XX/scrub>XXXX 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/year> XXXX {$250.00} I have never shopped in these stores nor have used my card. My mom buys my necessities. I attend XXXX XXXX XXXX XXXX XXXX XXXX when these purchases were made. It shows these were done in the state of Florida and Tennessee. I never left XXXX or have ever been to these states. I have never even been on an airplane. I just don't understand how this can happen.
Product: Credit reporting

I contact Early XXXX after my account was closedXXXXXX/XX/XXXX. I called then to get more information to see what happened, but so far not a good answer, because they could give no information until a submit a copy of my report that will take 15 to 30 days. ( until this time i was without no payment, i could receive my payment, because i could n't open account any place until i resolve that ) So they took almost a 23 or more day for me to get the report. Soon i receive i call then to help me to dispute, because i never receive a letter for the XXXX banks informing me about that they will be add a NEGATIVE IN MY NAME and caused so much XXXX and affecting my business. 
I email ( a copy are attached ) and responding to Early Warning on XX/XX/XXXX, a document to dispute both negative that was in my name since i i didn t even know why and reason for all this. 
I called Early Warning on XX/XX/XXXX to see if my case was resolve, and unfortunate i receive a bad new that the bank did not going to remove and dispute the negative in my name and i have to wait until XXXX XXXX, because after 5 years will be removed automatic. 
Im sorry but this agency they not looking for to help us, they a not taking me seriously at all. 
I have n't been able to cash my check for almost 3 months now, because i ca n't open a checking account, i became miserable and i do n't know what to do, because every time that i try to solve the problem that i did n't even know and i never was inform regarding for this negative. Please help me, because this situation has to be resolve quick as it is affecting my business. this s not acceptable and, as you can image, is causing me a good deal of XXXX.
Product: Money transfer, virtual currency, or money service

I kept having issues opening my account to withdraw money and filed complaints. Never heard back. Then I had fraudulant transactions that I didnt do and reached out to cash app To get information and report it was not me and They never refunded me. Tried to close my account but they wouldnt let me withdraw the money I had in there. It was a total Of {$370.00}
Product: Student loan

In the Fall of XX/XX/2005 I was attending the XXXX XXXX of New York. I became ill shortly after the semester began ( approximately two weeks ) and was taken to a hospital in XXXX. The doctors informed me I must return home and rest for two weeks then I could return to classes. I notified The XXXX XXXX immediately and returned home to XXXX to recuperate. The first week I was home I received a phone call from the school informing me I could not return to classes as I would be missing too much class work. I offered to do my school work at home but was denied this opportunity. I asked for my loan disbursement of {$6000.00} be returned to Navient ( then Sallie Mae ) and I was told to contact Navient which I did. They stated they could not help me and that the school had to return the funds. Neither XXXX XXXX XXXX nor Navient was willing to help me. My official transcript states I withdrew from all my courses but does not state I was forced to withdraw due to illness. 


Over the years I have made calls to Navient to help me with this loan. Also I was never given the opportunity to use this loan for my continuing education back in Massachusetts the following semester. I was told to contact the school but unfortunately the XXXX XXXX is now defunct. I contacted the parent company of XXXX, XXXX XXXX XXXX XXXX, and again I was told the decision was up to Navient. 


My request for Navient is I want this loan discharged as I did not use this money for my education. 

PLEASE DO NOT TELL ME TO CONTACT THE XXXX XXXX AS THEY HAVE TOLD ME TO CONTACT NAVIENT. 

ALL BUT THIS ONE LOAN WITH NAVIENT HAS BEEN PAID OFF BY ME. ALSO, MY PAYMENT HISTORY WITH NAVIENT IS IMPECCABLE!
Product: Debt collection

This account is fraudulent due to Identity Theft. This is not my debt. A woman has been using my information to rent homes/apartments. I have filed a previous police report for another matter. The woman was arrested and later released. I have contacted Genesis Credit Management and was required to file this complaint. 

Genesis Credit Management ( XXXX ) XXXX PLACED FOR COLLECTIONS ON : XX/XX/XXXX XXXX & XXXX : XX/XX/XXXX Lease Dates XX/XX/XXXX, XXXX XXXX, XXXX Move out : XX/XX/XXXX Debt {$10.00}, XXXX Acct # XXXX