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

Hello, I am writing in concern that there have been a series of complaints against Americredit ( GM Financial ) regarding the receipt of titles to cars and liens being released. I recently went to the county to try and get a copy of the title for my car. The woman at the county treasurer informed me that I was not the 1st place security interest. This car was paid off at the time of a vehicle purchase at XXXX XXXX in. XXXX, IA. That was back in XX/XX/XXXXand here in XX/XX/XXXX I can not sell the vehicle as needed. This has caused me some financial strain because I need to sell the vehicle. I called GM financial to see why the lien was not released. Two different representatives thought I was requesting a copy title from them and sent me to some website to reorder that. When I told them that there was lien they still did not understand that and still tried to direct me to get a copy title. After I slowed the rep down and really explained they still hold first place with the county she understood. Then I advised I needed a notarized copy with a wet signature showing that I own the vehicle. She said ok and tried to direct me to a the website. Where I have to pay for something that is not my error. The representative was courteous and provided a code to waive the fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

See previous complaint XXXX on Equifax failing to set up a Fraud Alert after being notified to do so by XXXX. SEE THAT COMPLAINT FOR DETAILS ON THE ISSUES, THE INAPPROPRIATE RESPONSE FROM EQUIFAX, AND MY FOLLOW UP COMMENTS. 
1 ) I initiated a fraud alert in my account at XXXX. 2 ) XXXX notified Equifax & XXXX  to do likewise. 3 ) XXXX set up a fraud alert in my account there just 1 day later. 4 ) 18 days later, I checked my Equifax account and there was still no fraud alert on my account there. 5 ) on that XXXX day, I logged in to my Equifax account and I set up a fraud alert there and then. IT WAS NOT INITIATED BY EQUIFAX LIKE IT WAS SUPPOSED TO. 6 ) I filed a complaint to CFPB about Equifax 's failure, hoping that Equifax would quickly resolve the issue and otherwise to have CFPB provide greater oversight & lead to corrective actions at Equifax. 7 ) Equifax only provided a very lame response / no apology / no acknowledgement or commitment to fix any issues for future improvements - in their negligent eyes just a non-issue because there is now a fraud alert active in my Equifax account - WHICH I HAD TO SET UP MYSELF BECAUSE THEY HAD PREVIOUSLY FAILED TO DO SO AUTOMATICALLY.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX from XXXX credit bureau I saw some hard inquiries that did not have my permissible purpose. I also attached evidence 1.XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX on XX/XX/XXXX XX/XX/XXXX 3.XXXX  XXXX  bank XX/XX/XXXX also again XX/XX/XXXX 4.XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX Bank XX/XX/XXXX 7.XXXX/XXXX  XXXX  These inquiries have no permissible purpose to be on my credit report please delete these inquiries to violation 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

Paragon you closed the accounts but still see one at XXXX in price. Paragon please remove asap. The recent write up from Your company Paragon states y'all will be closing removing all accounts in the cfpb complaints inbox in writing. Thanks for you response. Have a blessed day.
Product: Credit card or prepaid card

I am filing a complaint today ( XX/XX/2017 ) because I received a prepaid XXXX from Brink 's Money that I never requested, which is illegal.
Product: Credit card or prepaid card

We had a Bank of America for 15 years which we used for big purchases and would pay off at the end of the month. On XX/XX/XXXX we were mailed a letter stating that are account was closed. We left on an out of state vacation on XX/XX/XXXX and did not receive the letter. Called Bank of America while we were in Alaska trying to find out find our card was not working and we were told that the account was closed. The service person that we talked to could not tell us why the account had been closed and offered no other help. When asked if the account could be reopened he said that he would have to transfer the call at which time the call ended. We did not carry a balance on the card and were very rarely late on a payment over 15 years. I can not see a reason to cancel the card and then have a rude service person speak down to us while trying to figure out what was going on while we were on vacation.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed fraudulent inquires that I did not originate, and need to be deleted immediately. It is my understanding that pursuant to 15 USC 1681c-2 these inquiries must be deleted from my consumer report.

Please attached Identity Theft Report.
Product: Credit card or prepaid card

My XXXX in XXXX bought a vanilla gift card and after she left the shop, she found out that the card is expired and she returned back to the shop to refund or to replace the card and they treated her in an awful way and refused to refund her.
Product: Credit card or prepaid card

I have a charge on my Apple credit card from XXXX XXXX XXXX, charged on XXXX XXXX XXXX for {$760.00} which is fraudulent and not charged by me. I disputed this charge through my credit card but the refund was declined by XXXX stating that I purchased tickets that were delivered to XXXX XXXX I tried to log into XXXX account with my email and received an invalid username prompt. I attempted contacting XXXX and was unable to obtain additional information because I could not verify the account. I emailed XXXX to provide proof that I accessed the tickets either through XXXX XXXXXXXX or through the box office which would require ID and I am waiting for their response. Otherwise, why would I purchase tickets and not use them. Hence, the request for a refund due to fraudulent credit card activity. 
Most people that commit credit card hacking can easily obtain basic information on a person such as address and email address. Also, this basic information is available online. 
I did not purchase tickets, and I would like my credit card to be refunded the amount fraudulently charged to my credit card. It is absurd that a company like XXXX will continue to enable fraudulent credit card activity.
Product: Debt collection

RE : CFPB Case XXXX - Need more information regarding current holder of purported debt, i.e. XXXX XXXX and Platinum Holdings. ( Need both companies please! ) The PDF letter from XXXX Will Not Open, I can not save it. I need another copy please! I need a contact name, address and phone number for XXXX XXXX from Platinum Holdings, and a file number so that I can investigate and obtain additional information to re-verify debt and proceed further. 

Information that I now have is " Incomplete '' and I request my Case number above be Reopened so that I can obtain information. 

Thank you! 
XXXX XXXX
Product: Debt collection

I disputed my responsibility to the debt, I had an insurance added to both of my accounts. Which prevented my from the obligation of the debt. If the following occurred, loss of income, accidents, and XXXX. In 2014 I suffered such lost, my creditor refused to work with with me. Even though I paid them for 5 years a XXXX dollars a month extra with each payment for this protection.
Product: Debt collection

This debt has been disputed. I was not aware of this debt and it was taken out without my authorization by my ex spouse from what i have been able to determine. He did pay on the account up to a point it seems. When i pulled a credit report i was made aware of the debt and have addressed it but it remains derogatory on my credit report. It should be completely removed and they may wish to work yo recover funds from him. I received no goods or services from this company and am not even aware of the nature or the debt.
Product: Debt collection

I sent a letter to this company dated XX/XX/20 to verify this debt. I received the attached reply back dated XX/XX/20, but it did not supply all of the requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint against Transunion and XXXX for reporting inaccurate information on my credit report that is currently damaging my credit. I have attempted several times to get in contact with the credit agencies about their reporting and the account still is not removed or fixed. I have attached documentation directly from XXXX XXXX where the account was paid in full. Meaning there should be a {$0.00} on the account. That is not the case, every month they have been reporting a balance of {$1900.00}. I have highlighted the account on my credit report so you see how they are reporting the account. Under the Fair credit reporting act I am exercising my rights to get this account deleted from my credit file. They have done enough damage to my scores with their inaccurate reporting. 

Days I submitted my own disputes:XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. I have attempted to get this resolved several times.

XXXX XXXX Account # XXXX
Product: Mortgage

XXXX XXXX sold my mortgage to NewRez. My XXXX  XXXX XXXX continued to take auto pay money from my account and pay XXXX. In XXXX XXXX returned the money to me. I did not know that the mortgage was sold I had no idea what NewRez was. I missed two months of my mortgage payment due to the transition. I called XXXX  and found out the mortgage was sold. I called NewRez to make payment using my checking account. I paid 2 months and got caught up. They did not process the payment. A month passed when I got a notice saying Im 4 months behind. I called NewRez again and I paid. This time they did process the payment. NewRez charged me {$220.00} in late charges. The representative said he did not have the power or authority to refund them even given the circumstances. I asked for a manager and they did transfer me. The manager told me that she would pull the recorded tape and get back to me by XXXX XXXX that day. She did not. Of course, she would not give me her last name or extension.

NewRez on line systems are sub par. When I called last week, for 2 days I could not get the customer service line. As soon as I would choose 2 for support, the line was disconnected. 

All I want is my {$220.00} back.
Product: Credit card or prepaid card

There has been several Credit Transactions That I was charged a gratuity tax on which was never explained to me or made clear when the card was issued to me through Unemployment of PA. I spoke to the Assistant Director XXXX on several occasions who became very abrupt and rude as well. From The beginning, I wanted to use my XXXX XXXX Acct which they screwed up. I ended up using the card and every time I use the card to call and pick up food from XXXX XXXX in XXXX, I get a hefty surcharge tacked onto my total. This has been goingg on for quite some time and I have called and tried to get XXXX Customer Service. I have called more than once, been talked down to and disrespected as well as hung up on, especially when asking for a Supervisor.Not only XXXX, But there are other restaurants they are overcharging me as well with this Gruity Tax Thing.I am not dining in especially due to Corona virus, We are not allowed. On Monday XX/XX/2020, I was charged XXXX for a purchase of XXXX at XXXX. they said that he charge was from XXXX  but I called XXXX 2 days ago and they said they would refund the XXXX which XXXX hasn't yet put back on my card. I told XXXX   Benefits that I no longer wish to use their service. These People at  XXXX are very ignorant, disrespectfulal and rude and I all monies refunded to me or a lawsuit will ensue. I have already contacted State Republican XXXX XXXX Office.I finally got a supervisor on the phone like a day a day ago and she tried to get me off the phone and completely disrespected and ignored my complaint and asked me if I wanted to cancel my card and be transferred to dispute complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a certified letter to the company and they refused to investigate my request listed below. I have already filed a complaint with the Texas Office of the Attorney General. 
I listed below the request I send to the company and I included proof as well. 

Please be advised that you are in violation of Section 392.101 of Texas Finance Code which prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Furthermore, Sec. 392.301 ( a ) ( 4 ) of Texas Finance Code prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the consumer debt or would be subject to illegal collection attempts. 

I am writing to advise you that you are in violation of Texas Finance Code Section 392 as well as the Deceptive Trade Practices-Consumer Protection Act. I will file a complaint with the Texas Attorney General Consumer Complaint Division as well as the Consumer Financial Protection Bureau if theses collection accounts listed below are not deleted. I request the immediate removal of these tradelines from the credit report, as you and the original creditor have violated the aforementioned. 

I am maintaining a careful record of my communications with you for the purpose of seeking remedies provided to me under both state and federal laws should you continue in your non-compliance under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, Texas Finance Code Section 392 and the Deceptive Trade Practices-Consumer Protection Act. I further remind you that you may be liable for your willful non-compliance. 

These accounts listed below are in violation of Texas Finance Code Section 392.301 ( a ) ( 4 ) of Texas Finance Code. 

As you have now violated federal law, by not properly investigating within the required timeframe, 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 {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Product: Mortgage

We were in chapterXXXX we completed our plan in XXXX XXXX we were instructed by the chapter XXXX trustee that we were to start making our own payments in XXXX XXXX and we did, Dietect sent us a letter in XXXX stating we were one or more payments behind and in default, not True and I wrote them sent them bank statements showing they had got all of our payments and when they had ach through our account, they ignored it and kept dunning us for a payment or payments we do not owe, they have called my husband at his job they have sent incorrect house statements we have wrote them every month since XXXX XXXX asking for a correct house statements with no answer we have wrote them in XXXX requesting they tell us which payment they say we did not pay, because I have bank records showing all my payments from XXXX XXXX untill XXXX XXXX where the ach my account and got all their payments, I have contacted my Bankruptcy Attorney and they have contacted the Chapter XXXX trustee and told them ditech was saying payments had not been paid and was told by yhe Bankruptcy Attorney that the chapter XXXX trustee contacted our mortgage co XXXX XXXX XXXX with a 21 day final cure payment because we were getting ready to complete our XXXX XXXX and if any money was still owed the XXXX co had 21 day to respond and they did not respond so they conceeded we were paid so in XXXX according to our chapter XXXX trustee they paid XXXX XXXX, XXXX XXXX and XXXX XXXX payments so there is no way we are behind in payments Ive sent all of this to Ditech and they still refuse to quit trying to collect payments from us we dont owe.They will not provide us with the so call missing payments so we can present them to the chapter XXXX trustee, we have had no info on our house for 5 years while we were in chapter XXXX we know we made all our payments as instructed by the court.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency cant furnish a account without my written permission
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$2600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

NAMES NOT RECOGNIZED XXXX XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EMPLOYERS NOT RECOGNIZED XXXX XXXX, XXXX XXXX BANKRUPTCYS NOT RECOGNIZED BANKRUPTCY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY DISCHAR
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax a certified letter disputing the following inquiries, but still no feedback XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Debt collection

I am Im making this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to XXXX USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.
Product: Mortgage

I was informed by WELLS FARGO on more than not less than 3 occasions that I did not qualify for any of the existing hardship programs. I would qualify HOWEVER if I were 3 months behind! Eagerly seeking relief i did just that. Now I was enrolled in a loan modification program. I was very worried about foreclosure and was reassured numerous times that my house would not go into foreclosure as long as I was enrolled in the program. I was then advised by Wells fargo to send in a partial payment to show I couldn't afford the entire loan. I sent in XXXX instead of the XXXX that month. The bank cashed the check, didn't apply it to the loan and started foreclosure proceedings counting that as the XXXX month needed in the state of GA! There is no way that I would have ever done any of this without Wells Fargo leading me down this path! Does it even make sense to let a home go into foreclosure for {$150.00} or even the 3 months that added up to less than XXXX? 
I was told that I was assigned someone for this program. I tried to call XXXX XXXX over 20 times easily. I called into loss mitigation to have him contact me as well. I was sent out a letter that I did not qualify for any programs whatsoever based off his report that I only grossed XXXX per month. There is not one month I didn't make at least XXXX and some months I made XXXX! In the 9 months of creating monthly reports I was finally assigned somebody that WOULD NOT CONTACT ME and was detrimental to my cause. Meanwhile Wells Fargo is adding up late fees and drive-by surcharges to see if anyone was living at the property. I called every week and was on record stating my intent to keep the property, why the extra fees? Now Im being told that for a re-instatement I owe XXXX. No problem where do I send the money. Wait a minute! Too late! The bank went ahead and started foreclosure without contacting me! 
Now there are lawyer filing fees in the tune of XXXX, XXXX for appraisal, and XXXX XXXX XXXX by inspections. Why is Wells Fargo hiring people to inspect my home and have me pay for it? I never heard of appraisals that high to begin with, not to mention the lack of any work being done to justify that amount. Im seeking re-instatement and have the money that is owed. I understand now Im being reviewed again since finding out XXXX XXXX botched up his numbers so badly. Even if I did qualify for something at this point how would it ever compensate or make up for all the attorney fees, late fees , drive by fees, and inspection fees? Listening to Wells Fargo associates advice placed me in this position. I do not plan on giving up my home no matter what!!! Right now I may be forced to file bankruptcy. I would prefer to have my loan reinstated for what I owe from my mortgage. I feel this whole process has been misleading and corrupt. Yes this loan was refinanced recently. My prior loan was with Wells Fargo for the last 8 years. Never late once! My home is now placed on an auction block as of the XXXX of XX/XX/2010! Please work with me and not against me. What can be done?
Product: Mortgage

I have a home mortgage with Rocket Mortgage. They suddenly sent us an email on XX/XX/2022 that our mortgage will be transferred to another company called XXXX on XX/XX/2022, and Rocket Mortgage will not accept my payments starting XX/XX/2022. 

It's really a short notice ( 10 days ) which give us little time to process it, and we don't get any notice from the new company to setup account and payments yet. I think it against the regulation, and I need your help to cancel this transfer in order to avoid the troubles to make payments.