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

We previously leased our XXXX XXXX XXXX in Tennessee, and subsequently relocated to the state of Massachusetts in XXXX of XXXX. Per Massachusetts state law, all out of state leased vehicles will need a copy of the title furnished in order to be registered in the state. We notified XXXX XXXX of the move, and they notified us that the title was mailed to our insurance carrier, XXXX, at an address in New York state. Why this decision was made is unclear. The title requirement was explained, and XXXX mailed the title to the Massachusetts Title Division. Unfortunately the title was lost in transit, according to the tracking # as well as via phone conversation with the US Postal Service. The state of TN requires the lienholder to initiate a duplicate title request, and this was relayed to XXXX XXXX in XXXX of XXXX. The process for requesting a duplicate title involves completing a one page form along with a check for {$11.00}. 

Since that time, I have called XXXX XXXX several times, typically once or twice a month, only to be told that the request is still in progress and that I should check back in 1-2 weeks. After 6 months of being told the same status update, I called the TN Department of Revenue to check the status myself. The representative informed me that in fact NO request for a duplicate title had been made whatsoever. This was again confirmed with a follow up phone call the next day. I spoke to XXXX in early XXXX to notify them what the state of TN explained to me, and again was met with vague promises of looking into the matter and assurances that I would be personally notified by a supervisor within 1-2 days. Several days passed without response. When I called back to be connected to a supervisor, I was informed me that the duplicate title request was not supposedly made until XXXX of XXXX, a full 3 months after I placed the request. She stated she would look into the matter further and contact me accordingly. She has yet to call me back. When I called back the following week in XXXX, a different supervisor explained that the correct duplicate title request form and payment were sent off to the TN Dept of Revenue. I was also told that I should expect another follow up phone call within 1-2 business days to confirm. Assuming the form was actually sent, this places the correct action taking place over 6 months from the initial request, and almost one year after we notified XXXX that we were moving to Massachusetts. 

I have yet to receive any contact from XXXX XXXX, and have yet to receive the title. Due to the near one year delay in processing this title fiasco our original TN vehicle registration has expired, preventing us from legally driving the vehicle. We still continue to make lease payments. I have spoke to several 'supervisors ' at XXXX XXXX and written them a letter summarizing the above without a response. 

I appreciate your assistance with this matter.
Product: Debt collection

I have a debt collector calling and harassing my MOTHER IN LAW that they will put a lien on her over XXXX dollar home over XXXX of MY debt ... ... ... THIS IS NOT OKAY.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$18000.00} DPTEDXXXX   XXXX {$2200.00} XXXX XXXX {$750.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX   XXXX {$5500.00} XXXX XXXX {$5500.00} DEPTEDXXXX XXXX {$4500.00} DEPTEDXXXXT XXXX {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/2018, I started an investigation regarding Bankruptcy 's listed on my credit report. I sent Experian Letters that I received from the bankruptcy court that they do not report to any credit agencies Experian notified me by mail and closed the investigation on XX/XX/2018 that they verified as accurate and I need to go to the US Bankruptcy court if I have questions since they reported the information. 

Again, On XX/XX/2018 I faxed over a letter to Experian that the BK Court deputy clerk gave me 2 letters stating that they do not verify information or put BK to the credit bureau agencies.. They still closed the case and opened another XXXX. 

I've asked for Proof of who tolf them that information and they reverted e back to the court and court said they they did not provide the nformation. 
Since I provided important letters to delete the information off of my credit report, they are now adding another 30 days on the clock for the same issue which is a violation of FCRA.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Early Warning Services , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I am writing to request an investigation of the following information that appears on my Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Kind Regards, XXXX XXXX
Product: Debt collection

Under section 809 ( b ) of the Fair Debt Collection Practices Act, upon written consumer request you are required to provide proof and verification of any debt being collected. Therefore, I hereby formally request that you provide the following within 20 days : XXXX. A copy of the original XXXX XXXX XXXX or Assignment document legally transferring this specific account and amount from the original creditor to your collections company. 

XXXX. Proof that you are licensed to collect debts in Texas. 

XXXX. A copy of your complete records on this alleged debt, including the chain of title documenting proper transfer of this debt 's ownership from the original creditor to any subsequent owners, culminating in your company. CERTIFIED COPIES ONLY in order to ensure no alterations or modifications to original documents. 

NOTICE THIS IS NOT A REQUEST FOR CONFIRMATION OR VERIFICATION THAT YOU HAVE A COPY OF AN AGREEMENT OR COPIES OF STATEMENTS, i.e. MERELY EVIDENCE OF DEBT. THIS IS A DEMAND FOR PROOF THAT YOU HAVE THE REQUISITE KNOWLEDGE OF THE FACTS, AND THAT THE ALLEGED CREDITOR PROVIDED ADEQUATE CONSIDERATION AND INCURRED A FINANCIAL LOSS UNDER THE FULL & COMPLETE ORIGINAL AGREEMENT.
Product: Credit card or prepaid card

XX/XX/2018 I paid off my car loan. On XX/XX/XXXX, I created an account with XXXX XXXX to verify that it was showing paid in full. At that time I discovered that I had 3 accounts that I was unaware of on my credit report. Those accounts were : Discover Card XXXX account # XXXX, XXXX XXXX # XXXX and XXXX # XXXX. At that time I contacted an Attorney via my XXXX XXXX to discuss the matter. 

He instructed me to report this to the Federal Trade Commission which is Federal Law Enforcement, to request my credit reports via the credit bureaus and to file a complaint with the CFPB. I made the Identity theft report via FTC and the report # is XXXX. In addition, I received my XXXX   report in the mail yesterday. 

I am very confused as my credit report is showing that the above mentioned accounts were opened over a Year ago and in 2 of the cases it appears that payments were made at some  point. I have never applied for a Discover Card, or XXXX XXXX nor given anyone permission to apply for one on my behalf. I was an authorized user previously. I have never applied for a loan with XXXX. I have not had a need for a loan in that I make a very comfortable salary and have limited debt.
Product: Student loan

I am attempting to defer due to economic hardship and have been denied based on my supporting document. This document was sent from XXXX and is proof of deferment, but does not specifically state " economic hardship. '' I spoke with an agent from XXXX on the phone, they recommended I reach out to XXXX or try uploading additional documents such as receipt of XXXX benefits. Since XXXX is slow to respond by email I attempted to upload additional supporting documents such as proof of XXXX benefits and XXXX XXXX XXXX called " XXXX XXXX '' in Washington ). Unfortunately, the XXXX website does not allow me to upload additional documents -- it simply states my request is being reviewed and the " submit '' button is greyed out. I have no way of emailing this information to them either, my only option is to physically mail it. I am, quite frankly, frustrated by XXXX 's draconian approval standards and with how difficult it is to simply reach out to the person reviewing my case and provide them with more documents or details. Why would the " submit '' button ever grey out? It is a feature seemingly designed with one purpose only -- to increase chances borrowers will give up on the deferment. Meanwhile, I am receiving letters from them that they are charging late fees. See attached documents and please send these along to XXXX as I have no way to do so myself.
Product: Debt collection

I didnt receive anything stating That a investigation was proved to show i owe a debt just got an alert that a company called vericred LLC added something to my report in an attempt to Collect a debt I never received anything in writing from this company and all of a sudden I get an alert that something was being added to my transunion report theres no accuracy verified to me That I owe a debt
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX WHILE CHECKING MY CREDIT REPORT, I FOUND ITEMS THAT DO NOT BELONG TO ME. I REQUESTED LEGAL DOCUMENTS TO VERIFY THESE ACCOUNTS BUT HAVE NEVER RECEIVED ANYTHING. THIS MUST BE IDENTIFY THEFT. I AM A VICTIM OF FRAUD. 

Please delete the following items : 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. 


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.
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 USC 1681.

US DEPT ED : 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 : It also states a consumer reporting agency can not furnish a 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.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. Unauthorized Inquiries listed below were made without my authorization, vio
lating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against TransUnion for their refusal to investigate my dispute and the false accusation of using an unauthorized third party. On XX/XX/, I submitted a dispute letter to TransUnion regarding the following items : XXXX. XXXX - XXXX XXXX. XXXXXXXX XXXX XXXXXXXX - XXXX XXXX. XXXXXXXX XXXX XXXX - XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX 5. Bankruptcy Reference Number : XXXX Additionally, I addressed concerns about incorrect personal information, including names and addresses. I recently received a response from TransUnion dated XX/XX/2023, in which they refused to investigate these items, claiming they do not believe the dispute is coming from me. This is a false accusation, as I did submit the dispute myself. I am attaching a copy of my original dispute and TransUnion 's response as supporting evidence.
Product: Checking or savings account

I 'm tying to open and account but they will not let i do n't no what is wrong i do n't own no one anything.
Product: Credit card

Hello, On XX/XX/XXXX, I purchased {$7100.00} in furniture from XXXX XXXXXXXX XXXX. At the time there were advertising 60 months XXXX percent interest. I was approved for this financing and credit card. I was also advised that I had to put down {$700.00} in cash which I did. No other store with XXXX percent financing asked me for a down payment but I complied. I received my first bill and my minimum balance is {$250.00}. That does not compute to 60 months of free financing. My minimum payment should be {$110.00}. I called Comenity Bank who the furniture is financed with and they said there is nothing they can do that sometimes they request a higher minimum balance and that the balance goes does each month. This is deceptive practices. It clearly states on my invoice 60 months XXXXXXXX XXXX  XXXX XXXX and that I need to pay the balance prior to the 60 month end date of XX/XX/XXXX. If I continue making payments of {$250.00}, I will be paid in full in 28 months. That is not what was advertised or explained to me. How can I fix this? I'm paying double and that's not what I budgeted for. 

I also just received the XXXX invoice and that minimum payment is {$240.00} Thank you, XXXX XXXX
Product: Credit card

I applied for a Chase XXXX XXXX credit card. At first, chase denied the application due to a fraud alert on my credit file. Once I removed the alert, I asked Chase to review my application again ... .it was denied a second time because I had apparently applied for credit too many times. Once I explained that the previous attempts were a local Chase branch applying for the wrong credit card by mistake and that no other accounts were actually established, Chase agreed to review my application yet again. This time, the application was approved with a {$20000.00} credit limit. This was several weeks ago but I had n't yet received my card so I called again ... this time I was told that my application was hold pending receipt of a copy of a government ID. I have faxed and mailed a copy of my driver 's license but still have not received my credit card in the mail. I am attaching my driver 's license to this complaint. Please complete the processing of my application and send me the credit card as soon as possible. One of the most attractive perks of the XXXX card are travel related ... .I am leaving soon for a vacation and would like to take advantage of these benefits. Please ensure that I have the card in my hands before XXXX XXXX. Thank you.
Product: Checking or savings account

I have an experian debit card account. l attempted to use my debit card for a transaction of {$54.00}, however, my account balance is {$47.00}. Because my account had insufficient funds by only a few dollars, Experian unilaterally placed a restriction on my account. Experian said the restriction is to prevent fraud. 
After I was fully authenticated with the agent and explained It was an authorized transaction, Experian said it was a system generated restriction. The restriction lasts for XXXX hours, holding my funds XXXX. I am unable to use the funds that belong to me. Customer service refused to remove the restriction and said they were unable to remove it. In addition, the agent said even the supervisors can not remove the restriction. Experian 's policies and procedures are egregious. If I have an emergency in the next XXXX hours, I would be prohibited by Experian to use the funds they belong to me. This is a violation of, among other things, certain consumer laws. This is an Unfair, Deceptive, or Abusive Acts or Practices.
Product: Credit reporting or other personal consumer reports

I have communicated with TransUnion prior to date of : XX/XX/2024 in which, I have challenge the accuracy of 'two accounts ' that have been on my TransUnion Credit report ( given to me by TransUnion ). 

XXXX has Investigated the same incidents below and have 'REMOVED AND DELETED ' the Inaccurate information ( see attached ) these two accounts are : 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 ) ''I DO NOT HAVE A BINDING AGREEMENT NOR A CONTRACT WITH THE TWO ABOVE ACCOUNTS ''. 

On XX/XX/2024 TransUnion has updated those two accounts ( please see Uploaded documents ), thus Proving that TransUnion has been REPORTING INACCURATE information prior to date : XX/XX/2024 in which has been Violating my rights under the following : My rights have been violated : Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

1692c ( b ) of the FDCPA. 1692c ( b ) of the FDCPA prohibits, with certain exceptions, debt collectors from communicating, in connection with the collection of any debt, with any person other than the consumer.

15 U.S.C. 1692c ( b ). In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent.

TransUnion is reporting Inaccurate information pertaining to my 'Last Name associated with my Social Security Number '
Product: Checking or savings account

I was sending a payment through google pay they took the money of of my bank but it never got to the person I was sending it to. It says canceled on they end and processing on my end. Ive tried multiple times to contact them but Im unable to speak to someone on the phone do to COVID 19 and they disabled the chat so they just ran off with my money money to pay my rent at that.
Product: Mortgage

I was 2 months behind on payments and SunTrust would not take partial payments to get caught up along with trying to do a modification they wouldn't assist me on my sole person and I was told several times I needed my ex wife 's information even though I have supplied the divorce papers along with the quit claim. The only assistance I have received from them is calling several times a week and finally saying something about Corona virus to then be allowed to make partial payments to them.
Product: Checking or savings account

I opened a business checking account with Chase Bank in XXXX 2024 XXXX XXXX XXXX XXXX XXXX On XX/XX/year>, I received a notification via email informing me that my account had been closed. However, Chase did not provide any specific reason for the closure of the account. 

On the same day I was notified of the account closure ( XX/XX/year> ), an incoming transfer from a client in the amount of {$90000.00} USD was received in my account. The transfer had been sent on XX/XX/year>, just XXXX day before the account closure. Since then, the funds have been held by Chase Bank. 

I have contacted the bank at least twice a week to inquire about the situation. In every communication, I have been informed that the case is under investigation by an internal department. However, I have not received any concrete answers or an estimated timeline for resolution. Additionally, the bank has not requested any supporting documents to justify the legitimacy of the transfer, nor have they provided any explanation for the investigation or the account closure. 

This situation has severely impacted both my business and personal life. Due to the large amount of funds being held, I have incurred interest charges on debts related to this money, creating significant financial strain. Furthermore, the lack of access to these funds has caused substantial disruption to my operations and overall stability. 

The only document I have regarding this matter is the email notification I received on XX/XX/year>, informing me of the account closure. I have not received any other written communication or justification from the bank.