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

We bought a XXXX XXXX XXXX new. We got a loan from Citizen 's Bank of XXXX. We paid the loan off in three years. Citizen 's Bank was contacted, and asked to release the lien. They did not. Several times over the years, we asked them to release the lien. They said they would, and they failed. We gave our car to our daughter last fall. We found out the lien was still on the car. We called again, the guy said he'd take care of it. Evidently he didn't. 

Now our daughter is trying to title and license the car in Nebraska. She can't because of the lien. We called and called the bank again today ... ..no luck. They said it was released according to their records. DMV in XXXX says no, it still has lien on it. 

We need some help ... and this is timely. Our daughter needs help. Please, can you help us?
Product: Consumer Loan

Repeatedly asked representatives of this company, on more than 1 occasion, to refrain from contacting me. I also gave an alternate contact number at which the account holder could be reached. I was told by several representatives after requesting not to be contacted, that I would no longer receive phone calls. Also that my number would be removed from their records. During the most recent call I was told I would not be contacted for up to seven days, after that they would resume calls. I again asked for my number to be removed from their records but was told I have to submit my request in writing. I continue to receive phone less than 24 hours later.
Product: Debt collection

Key 2 Recovery reports a debt to my credit report in XXXX that they say has been with them since XX/XX/XXXX. Then sends a letter to my mothers house of an account that I dont have with them in late XXXX  XXXX and another to my grandmothers house in early XX/XX/XXXX. I send back a letter disputing any debt with them on XXXX XX/XX/XXXX in response to the letter sent in XXXX XXXX via certified mail @ tracking # XXXX which is delivered to them by XXXX XX/XX/XXXX which requested validation of debt, proof of ownership of debt, proof of ability to collect in the state of Michigan as they are based in the state of Ohio & to only contact me via mail. The company failed to provide any of the information as requested and further continues to report to the credit bureaus as a collection on my account last seen as XXXX XX/XX/XXXX. This company is also impersonating as an internal collection of a creditor to XXXX  when they are not businesses within the same state lines.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, we paid off in full, over a year in advance, our lease financing contract. XXXX XXXX would not give us a return shipping address at that time, to return our copiers ( 10 in all ) as per the lease. Our lease ends XX/XX/XXXX and once again, we requested a return address as well as a buy out price as per the lease. CIT has failed to provide a return address or a buyout price. With respect to the buyout price, we did receive the attached email stating that the buyout quote would need to come from XXXX XXXX, our local copier vendor, which no longer owns the copiers. The buyout price was many multiples ( {$35000.00} vs, {$2000.00} ) of the fair market value ( called for under the lease ) according to competing copier vendors. 
After questioning other copier vendors, I am told that it is a fairly common practice for financing companies like CIT to conspire with the local copier vendor, to hold the customer hostage so that the customer has little choice but to renew their lease or enter a new lease with the local vendor. The attached email is direct evidence of that practice as CIT is directing us to the local vendor, which does not own the copiers, to set the price while at the same time refusing to give us a return address. This practice is both fraudulent, deceptive and coercive, and the financing company has every incentive to do this to get continued future referrals of business from the local vendor.
Product: Checking or savings account

There was a deposit made to this joint account sometime on XXXX. This credit union deemed it as fraudulent and claimed that they closed the account. However every month statements were received ( never opened ) since XX/XX/XXXX showing that there was a balance and withdrawals from the account which is odd because my son or I don't have access to the account online and there are no debit cards. Fast forward to XX/XX/XXXX I received an email stating {$550.00} was withdrawn from your EveryDay Checking account ending in XXXX. As of XX/XX/XXXX at XXXX XXXX  XXXX the available balance is {$9300.00}. Upon, receiving this email I drive to the branch and was advised by the representative that they're unable to release the funds and because the funds have been on the account for so long the funds will be transferred and to check on the website Missing Money in two weeks well two weeks have come and gone and the next statement is received with the available funds of over {$70000.00}. This bank and their employees need to be investigated as they are liars and fraudulent. They would not release the money but took it upon themselves to withdrawal {$550.00} and apply it towards my son credit card bill. The funds in the account should be released immediately via check to the address on file no exceptions. My next step is to reach out to the Attorney Generals office and advise the same as well.
Product: Credit reporting or other personal consumer reports

My name and personal information is Listed in a Data Breach XXXX XXXX. XXXXXXXX XXXX Consumer Reporting Agencies need to remove all items listed on my Consumer Report states the XXXX due to the Breach
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiry. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry XXXX XXXX - Date of inquiry : XX/XX/2022
Product: Debt collection

I had my ID stolen in 2012. I had reported this to CMRE Finance and all the credit bureaus, they still have not taken this off my credit yet. What do I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that went into a derogatory status after being honorably discharged from the US Navy. I had fallen upon hard times and could not afford the payments at the time. It did take me a while, but I have recently settled this debt with the debt collection agency, whom goes by the name of XXXX. After settling this debt on XX/XX/XXXX, I called Experian to explain my situation and that I wanted this information updated on my credit report. Each time I called, The agents were very rude and impolite, I was even hung up on by one of the agents. They insisted on not updating any information and that they would be filing a dispute before the account was updated. On XX/XX/XXXX, I uploaded an image from the debt collection agency the account was settled with, showing a fax I received stating that the account should reflect " settled/paid in full ''. On XX/XX/XXXX the Experian dispute results were in, and they stated that the information that they had on the account was correct, I settled the account for {$2600.00}. After settling an account, the balance is to reflect {$0.00}. Experian only updated the account as if I were only making payments, bringing the {$8800.00} balance down to {$6200.00}. This reporting is incorrect due to the fact this account has been settled, I did not start a payment plan with the company ( which is a statement that Experian later added to the notes section of the reporting as well ) I also have a recording of a conversation with XXXX XXXX XXXX XXXX, which is the original creditor, stating that this balance is to reflex {$0.00}. This account reflecting this high balance is severely hurting my revolving credit, which is keeping me from buying a home for my wife and children. I do not believe I have been treated fairly by Experian as a consumer and assistance is needed to make this situation right.
Product: Vehicle loan or lease

J.D.Byrider used predatory lending tactics and other deceptive sales overall in bad faith sales car to customers price gouging. I made a partially pymt & they illegally repo car. Than told me I could pay remainder pymt plus repo fee I would get car bck, than they restated current conditions & added one month pymt in advance gave me 30 days to complete this. Nearing the 30 day I called to confirm amount due they than said never made this verbal agreement and my car was gone. Than told me I was 55 days past due and reject a pymt in their back office never refunded actual money so they illegally rigged their accounting books and total revs my loan and took XXXX down pymt never notified me about personal belongings .I had items totaling XXXX in trunk of vehicle
Product: Credit reporting or other personal consumer reports

Hear by I XXXX XXXX ,15 USC 1681 right to privacy and FTC report hereby went to dispute all negligence on my credit report due to harassing phone calls emails ECT,... but due to that my personal information of myself has been leaked and exposed in the data break.but will also went everything removed and be cleared..
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received a phone call from what they said was Chase Bank which is my bank. The individual noted that there were fraudulent charges on my account as follows : {$5000.00} of XXXX XXXX attempts in XXXX Georgia {$2000.00} of XXXX purchases in XXXX Georgia {$43.00} charge at XXXX in XXXX I do not live in XXXX nor have I travelled to XXXX. The individual read off other legitimate charges to me. They indicated that they would call me again on Friday, XX/XX/XXXX, at XXXX XXXX. They also sent me emails from JP Morgan Chase indicating fraudulent charges. 
On XX/XX/XXXX, I received a phone call from an individual who noted that he was noting a {$41000.00} transfer out of our account to a person named XXXX XXXX. He is asked if I authorized this to which I said no. He was sending codes to me and my husband as if he was from Chase ( his phone number was XXXX. He noted that there was a special FBI and Police investigation- it was an active investigation and that I could not speak to anyone to not compromise the investigation. 
He subsequently directed me to the bank to wire money to catch the criminal noting repeatedly that this was the way to catch the criminal. I wired a total of {$40000.00} from my checking account at Chase while he told me to not say anything to the teller as this was part of the process in the investigation. 

I subsequently wired money to XXXX XXXX at XXXX XXXX  and am now trying to recall the wire as Chase has noted that this is not a practice they would do nor would they engage in this type of a criminal investigation. The amount of the wire was XXXX {$40000.00}. 

On XX/XX/XXXX I filed a IC3 Complaint Referral Form with the FBI. The FBI called me 2 days later noting that they had received the information and would put a message out to the banks. 

I subsequently called XXXX XXXX  and have spoken to an individual in the Wireless Fraud Department who has told me that most of the funds that were wired to the account are still there. We have also been in contact with XXXX XXXX  XXXX XXXX XXXX XXXX. 

XXXX XXXX  has requested us to pursue a Hold Harmless from Chase Bank. We have been in pursuit of Chase Bank ( in person and over the phone countless times ) to determine who can help us from within Chase to obtain a Hold Harmless. We need our funds back and Chase is the bottleneck at this point. I have tried to figure out who the District Manager is at Chase Bank in XXXX XXXX as the Branch Manager is unable to assist much further. 

Chase Bank has also noted - via their Secure Messaging Portal - that they can not get in touch with Regions Bank. I have already supplied them with information on who to contact.
Product: Debt collection

I was just informed that on all 3 of my credit reports shows that there is 2 accounts for XXXX XXXX. I am responsible for 1 account not 2 accounts. The account is no longer XXXX XXXX it is now XXXX XXXX. I am currently on time with XXXX aka XXXX XXXX. I am requesting that this be corrected and corrected on my credit report. On my report it should state XXXX XXXX no longer XXXX XXXX and One ( 1 ) account should be showing with payments currently on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I TALKED TO AN AGENT OF THE COMPANY EXPLAINING TO THEM THAT ARE TWO DIFFERENT ACCOUNTS FOR THE SAME ONE ACCOUNT. THEY TOLD ME THAT THEY COULDN'T CHANGE THE STATUS OF THE ACCOUNT. THEY ARE WANTING ME TO PAY FOR BOTH OF THEM. THIS IS VERY WRONG AND IT AFFECTS MY CREDIT SCORE TREMENDOUSLY.
Product: Checking or savings account

In XXXX of XXXX I received a 1099-SA from the Bank of New York Mellon Benefit Wallet for a distribution of {$1600.00}. I immediately called their customer service to tell them I never authorized any withdraw from my Health Savings Account. It turns out that on XX/XX/XXXX there was a request for an electronic transfer of funds wiping out my account. They provided me with a routing number which did not relate to any bank account I own, and told me they would investigate. I filled out and returned a 'affidavit of unauthorized/improper direct pay activity which they received XX/XX/XXXX. I was told they have up to 60 days to investigate. I have repeatedly called customer service which is in the XXXX and they keep saying 'still under investigation ' They refuse to provide a name and phone number of someone in operations in XXXX NJ that I can speak with to help resolve this. It is now over 60 days without a resolution and access to my funds ... 

I have a case # if that helps
Product: Credit reporting or other personal consumer reports

Experian, XXXX XXXX XXXX have violated my rights as a consumer, According to 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' These accounts are an adverse item, theyre reporting on several occasions without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 
Also within the title 15 U.S. Code 1681 ( a ) b Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for In addition to this section, 15 U.S. Code 1681a - Definitions ; rules of construction ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report I have also to the actions of trying to inform these companies on their inaccurate personal information and was met with resistance. 
These actions has caused damage 's to my life, with a few examples of my applications being denied in a time of a need also not being able to support my family in a health crisis .To which has also inflicted emotional damages of depression  in reasoning that I can not find somewhere affordable to live.
Product: Credit card

I have been calling the company since XXXX for a settlement for my card ending XXXX. We discussed a settlement they refused to honor the settlement they provided. After numerous calls and issues, they emailed me a settlement stating the total amount {$400.00} to be paid as follows {$60.00} due XX/XX/XXXX and {$340.00} due XX/XX/XXXX. I paid {$100.00} on XX/XX/XXXX after confirming the settlement with the representative before paying. They sent me an email today ( not a new settlement letter just a reminder ), stating the 2nd payment is due XX/XX/XXXX. They are not honoring the agreement I was emailed on XX/XX/XXXX once again. Today I called to find out if the email was fraud or real. They stated the removed me from the settlement program since I paid the {$60.00} too late. However, I paid well before the due date. They have not honored over 5 settlement agreements they provided, which is why I refused to pay without a letter. Once the letter was received and confirmed I paid. 

My card ending XXXX they are I received the same weird email. That settlement letter states the total for this card is {$330.00}. The 1st installment of {$50.00} due XX/XX/XXXX and 2nd installment of {$280.00} due XX/XX/XXXX. The reminder once again had a completely different date. I paid {$100.00} for the 1st install which was more than what was required. Leaving a balance of XXXX. They are telling me they may not honor the letter they sent me that I verbal accepted. I have called over 20 times and spoke to more than 6 managers.
Product: Debt collection

I received an email from XXXX XXXX offering an agreement to pay a lesser amount if I paid the lesser amount in full. The lesser amount would satisfy 100 % of the debt with Affirm. I agreed and issued payment on XX/XX/year>. I have the supporting documents. Affirm is continuing to pursue the difference and is illegally reporting the false debt on my credit report.
Product: Checking or savings account

So I have been trying to get a bank account for the last few months. I received information regarding an account being opened at BMO Harris fraudulently. I havent had a social security card physically in about 8 years. I was notified of this when I did check my consumer report with XXXX, the address listed for the reported account isnt even my current address. I have had multiple inquiries from banks to that I have no knowledge of. I do plan on submitting a dispute to XXXX because again I havent had a physical social security card in about 8 years. My social security card was mailed to a former address where the mail was compromised. There were checks deposited into these accounts as well which has prevented this, in the amounts of XXXX and XXXX. I have tried to speak with BMO regarding this matter but they told me they could not provide any further information for me.
Product: Checking or savings account

I signed up for the {$300.00} bonus promotion and got confirmation via phone call and inside the branch that the bonus code was attached to my account. I fulfilled the requirements for the bonus ( direct deposit over {$1500.00} within 90 days ) and should have received the {$300.00} bonus as of XX/XX/2020. However, I have not received the bonus. Please credit me the {$300.00} as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing this because I noticed my closed XXXX XXXX account #, [ XXXX ], Continually being reported for multiple months! This is illegal and you guys are going against the FCRA. According to the FCRA 623 it states that an account can be reported delinquent on the months that it is late but once an account is closed it can only reflect charge off or late up to the date that it was closed ( XX/XX/ ) after that its not supposed to. This is my final warning I need this account removed you guys are constantly reporting inaccurate information! 

( 5 ) Duty to Provide Notice of Delinquency of Accounts ( A ) In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my credit report that I reported as fraud in XXXX and yes its still on my credit report from XXXX apartments for {$5000.00}, I have been fighting this for years, I filed a fraud report with the police department, nothing was done, XXXX money is reporting on my credit report numerous times and thats incorrect, kasheble loan is incorrect, midnight velvet fraud -- XX/XX/XXXX, XXXX wards fraud -- XX/XX/XXXX all these accounts should not be on my credit report, they are incorrect and destroying my life, please remove XXXX XXXX from my credit report, Been fighting this since XXXX, these accounts are keeping me from living a normal life.
Product: Debt collection

I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.