23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

A title loan was taken out on my vehicle without my knowledge or consent. There are two names on the title - mine and another individual - and the loan application was processed and approved without my permission. ACE Cash Express wrongfully and illegally acquired possession of my automobile title and all attempts by myself to resolve the issue are met with deliberate indifference or feigned ignorance by all representatives of this corporation. They all agree that the title loan process should never have taken place without my knowledge or consent ; however, they all claim that they do not know the company policy concerning how to proceed when situations like this arise. All attempts to speak with supervisors at the corporate office have failed. I never receive a response or call-back. In sum ... ..Populus Financial Group ( formerly ACE Cash Express , LLC ) employees and representatives all agree and admit that they have wrongfully acquired possession of my car title, but none of them have offered or provided an answer or solution to returning my title, claiming that they can not provide me with any answers because " my name is not on the loan paperwork. '' This is a blatantly obvious fraudulent and deceptive trade practice violation and this company needs to return my title IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

There are two account that are old and past seven years old. The first one is XXXX and the other is XXXX XXXX. I first did two disputes with all credit bureaus and they refuse to remove the outdated files. I then reached out to both credit lenders and XXXX XXXX agreed to remove the account. This has not happened and its been over thirty days. I reached out to XXXX XXXX for XXXX and actually spoke to a live person that stated that they no longer had my account information in their database and could not assist me any further. I then filed another dispute with all three bureaus without any results except the usual response '' please reach out to the lender ''. Both creditors have zero balances and was closed due to inactivity over eight or nine years ago. I need help in removing this outdated information. I did everything possible with all three bureaus before contacting this agency. Please help me resolve this never-ending issue.
Product: Checking or savings account

I purchased sneakers from a seller named XXXX XXXX and I purchased a total of {$9600.00} worth of sneakers. XXXX never shipped my products and the products never arrived. XXXX has shown XXXX movement on all of his tracking. I opened up a claim with wells fargo for the refund and they denied my claim for a refund. 

Wells fargo called me asking me questions and then sent me a letter denying my claim saying the charge was authorized. I am disputing that i did not get any goods from the seller and feel entitled to a full refund. I paid with a debit card.
Product: Credit card

so I was looking for a retention bonus to keep my card open I talked to a rep overseas if you listen recorded call he said he could put a XXXX credit on my account XXXX miles if I spent XXXX on the account in 3 months when he presented the XXXX he never said anything about spending the XXXX so I talked to his supervisor who said they would listen to the call. so he said it would take about 3 weeks for a resolution so somehow it only took.day or so and the company said the rep did say there was a XXXX spending limit and he did not say this at all. then I called back and supervisor said he listened to it and said the same thing I was like well let me here the call and they would not let me do that because I know what he said and he did not mention this XXXX spending in order to get the XXXX credit. I have written to the coperate offices on this mater several times and they not responded to me once I sent about 3 emails to the ceo that were all unanswered. I even called the corporate offices 2 weeks ago that give me an email to send it too and they still have not answered yet I just want my XXXX credit I was promised over the phone
Product: Student loan

We co-signed for our son 's loan with XXXX/navient. He is in XXXX school now. Navient is harassing, threatening judgements. The original loan was XXXX now it is XXXX. We had filed bankruptcy, which put the loan on deferment. They now will not work with us for a lower payment as my son is a full time XXXX student for another year. Please we need help as we told Navient we understand this debt needs re-paid as since XX/XX/XXXX We paid what we could, but Navient wasn't satisfied. We need answers. XXXX in interest is almost unbelievable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bull City Financial Solutions started billing me for my deceased spouse debt a year after he died. These bills were solely in his name before he died. He passed away XX/XX/XXXX. I never signed to be administrator of his estate and my husband had no assets, so there was not a probate estate. I live in North Carolina, which is not a community property state. This credit reporting agency improperly reported my deceased spouse debt under my name to XXXX on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Debt collection

I have constantly requested that Midland Credit Management give me the documentation backing there claim that I owe XXXX money. The account that is attached to this debt is not valid ... I have complained about this company in the past. I keep receiving letters threatening me with this unfounded debt for XXXX. I have paid XXXX directly the debt which was owed. I have sent numerous letters with tracking numbers via USPS to this company and the response is ALWAYS the same ... They are unable to provide verification and documentation that there is a valid basis for claiming this debt. ( Which has already been paid ). This is causing me undue stress and anxiety.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 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 And one more thing according to 15 USC 1681s-2 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. 15 U.S. Code 1681i - Procedure in case of disputed accuracy, a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Major Issue Reporting my information to Defense Counterintelligence and Security Agency XXXX XXXX XXXX  The Credit bureaus stated that my accounts were reported as accurate, modified, removed. Based off my Credit report from XXXX XXXX XXXX this proves to be untrue. 

Clause of Article III of the Constitution : I have suffered injurious psychological damage that has come from financial hardship due to lost of employment rooting from Inaccurate reporting. Flagging my Security Clearance/ background check leading me to be terminated from multiple positions.

There are multiple Open dates, last date reported, the date last active, and the date last reported negligently inaccurate harming me as the consumer. I have already done multiple disputes, this time Im seeking Monetary relief for these mistakes costing me my job and reputation.

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 My next plan of action if All negative items arent deleted ( a ) IN GENERAL.

Any person who, while a minor, was a victim of a violation of section 1589, 1590, 1591, 2241 ( c ), 2242, 2243, 2251, 2251A, 2252, 2252A, 2260, 2421, 2422, or 2423 of this title and who suffers personal injury as a result of such violation, regardless of whether the injury occurred while such person was a minor, may sue in any appropriate United States District Court and shall recover the actual damages such person sustains or liquidated damages in the amount of {$150000.00}, and the cost of the action, including reasonable attorneys fees and other litigation costs reasonably incurred. The court may also award punitive damages and such other preliminary and equitable relief as the court determines to be appropriate.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation?

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses.

I am also requesting the date that the supposed delinquency incurred, which should have been given to you by the companies. I know that it typically takes seven years for a trade line to be removed, but I would like to know the specific month and year that this trade line will be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I`m requesting under the Cares Act Law that was enacted by Congress that seven of my late payments on my credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) be removed as they were reported 30 days late during the XXXX  Coronavirus Pandemic. I would like all credit reporting agencies XXXX, Transunion, XXXX as well as my bank XXXX to remove these as it a poor reflection on my credit history. The CARES Act prevents lenders from reporting late payments to credit reporting companies during the COVID-19 crisis. I was unaware that lenders were supposed to do this and my accounts have been current for a five years. This negative reporting has affected me financially in my borrowing and payments.
Product: Debt collection

I closed a cell phone account with XXXX in XX/XX/XXXX/XX/XX/XXXX in good standing and all payments were paid in full with a XXXX balance. Since XX/XX/XXXX/XX/XX/XXXX I  did not have any accounts with XXXX and I joined my husband 's phone account where all bills are under his name. Therefore, I have not had a phone bill under my name since XX/XX/XXXX/XX/XX/XXXX. Suddenly, in XX/XX/XXXX, I noticed a derogatory collection on my credit report with XXXX XXXX   stating that I owed {$170.00}. I XXXX XXXX XXXX to obtain a phone number and inquire as to why I was being hit with a collection on my credit report? I was notified that the collection was with XXXX and that if I did not believe the collection was valid then I needed to contact XXXX. I contacted XXXX and gave them my information. When I went to verify information on the collection account, it was noted as an active phone line and all of the information on the cell phone account was not mine except for the name. At this time, the rerouted me to the XXXX   Fraud department where I provided information by phone to a representative. After this, there was no further communication with XXXX. I then proceeded to call XXXX XXXX and let them know that the information provided to them was inaccurate and that I had not had a phone account with XXXX in 8 years. I asked for Verification of Debt to see if my information had been cross-referenced or used by someone else. Convergent told me that I had to pay the collection and never provided me with any type of documentation. Subsequently, I disputed the accuracy and legitimacy of the debt. The collection was removed twice without any statement or follow up from anyone but then it would reappear in 2-3 months. Now it is XX/XX/XXXX and XXXX XXXX is continuing to call me multiple times a day but will not leave a message or reference as to why they are calling. In addition, I never received any validation that this collection is mine and if it was legitimate, my last valid account with XXXX would have been in XX/XX/XXXX/XX/XX/XXXX which is 9-10 years later ( past the Statute of Limitations. ) I question the validity and accuracy of this collection and I would like to be provided with all information necessary so I can proceed with necessary legal action.
Product: Credit card

I have on my credit reports Jared XXXX XXXX XXXX reporting as Chapter XXXX, in collections, charge off and past due. This account was opened in XXXX, never missed a payment and in XXXX XXXX, several months before my chapter XXXX was discharged, the XXXX dismissed my chapter XXXX due to changing income and then reinstated it. Some how, XXXX was notified and then decided they were to include this account in my chapter XXXX ; against the law. You can not add accounts that were not initially included at the time of filing, per my lawyer and the Trustee.
Product: Checking or savings account

I had three automatic payments come out of my account on Friday XX/XX/XXXX totaling {$79.00} causing my account to account to go - {$16.00}. With Wells Fargo if I put money in my account before XXXX XXXX the next day I wont be charged an overdraft fee. I deposited {$35.00} into my account before before XXXX XXXX on Saturday XX/XX/XXXX and then deposited another {$20.00} later that day only to check my account Monday morning and I see that I was still charged a fee which made my account - {$32.00}. I tried calling my bank to get the fees waived but because this is not the first time this has happened to me they would not waive them. I look at my account this morning to see that I was charged three more overdraft fees for purchases I had made that same Saturday when I had the funds in my account to do so causing my account to now be - {$130.00}. I have money coming into my account tomorrow but I will only have {$52.00} of that to last me until next week.
Product: Mortgage

Problem description : I am writing to ensure I have equal rights regarding this joint mortgage loan until I am released from liability on this loan. I have not in the past received updates regarding special payment plans, loan assistance program applications ( Specifically The Florida Hardest Hit Program ), refinance applications or discussions, changes in escrow account amounts, etc. Since we are joint borrowers on this mortgage loan, any decisions made unilaterally, ultimately impacts the other borrower. Therefore, being a joint borrower, I need to be an active participant in any decisions made on this mortgage loan, again until I am released from liability. Currently, the only monthly information I receive is payment information via an email stating a payment has been made with the amount paid. The email does not contain the principal loan balance, interest, escrow amount, etc., essentially no other loan information or changes. The only way I am informed about the loan is when I personally call. This is when I have stumbled across new information, activity and changes I was not previously informed about regarding this joint loan. Joint borrowers have equal rights and need to have equal access to the loan information. I can not legally use my ex-husbands personal information, such as his social security number to access the loan information online. Furthermore, I can not control his actions or make him communicate the activity on the loan. Since they are holding both parties liable, both parties have rights to equal access and that access is provided from the mortgage provider. As long as I continue to be a joint borrower, both parties need equal access without using the other partys personal and confidential information. I need to use my own social security number for this joint mortgage loan for an online account access. In addition, I was advised in the past I would have to pay for paper copies, which I have refused. Again, I have equal rights to the information on this joint mortgage loan and that does not mean one party has to pay for that information. Decisions made on this joint loan also need to be joint decisions with both parties equally participating in the loan decisions. Neglecting to include one of the borrowers is not providing equal rights or access to the loan information, loan activity or loan changes. I have offered to pay the processing fee for the release of liability request. If the request is denied, I understand that fee is refundable. I am putting this in writing to ensure that the fee is specifically refunded back to me. Since there has been an ongoing breakdown in communication and lack of information provided to the second joint borrower, I want to ensure equal access is provided to both borrowers, and their rights are not being neglected or denied. Furthermore, I am putting my requests in writing to ensure they are aware of my requests as joint borrower.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired XXXX XXXX XXXX XXXX  ; XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX
Product: Credit reporting

My name is XXXX XXXX XXXX XXXX not XXXX XXXX My birthday is XX/XX/XXXX
Product: Credit card or prepaid card

I tried multiple ( 4-5 times ) time to pay my credit card balance online at www.capitalone.com before due date, Due to their inability to get payment from XXXX XXXX, They charged me late fee plus interest and They cancelled my credit card account and reported to my credit history bureau XXXX I inquired at bank to get the answer of not clearing the credit card payment even there is more then sufficient balance in account. 
There was not satisfactory reply from bank staff ( XXXX XXXX  ) Credit card payment processed every time I signed for auto pay / one time payment successfully when I paid online then after 2 days I got the notification of non payment of balance. 

XX/XX/2022 PAST DUE FEE {$39.00} XX/XX/XXXX XX/XX/XXXX PAST DUE FEE {$39.00} Total Fees for This Period {$39.00} Spark Cash Select credit card | Capital One account ending in XXXX XXXX XXXX, XXXX  - XX/XX/2022 | 31 days in Billing Cycle Page 3 of 3 Transactions ( Continued ) Interest Charged Interest Charge on Purchases {$75.00} Interest Charge on Cash Advances {$0.00} Interest Charge on Other Balances {$0.00} Total Interest for This Period {$75.00}