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

I paid off my loan on XX/XX/XXXX and after calling to see how long it wold take to receive the title I was given different answers every time I called from 2-3 days, 7-10 days to 15-30 days. I called at least twice a month since I paid it off and as of today I still have not received it or the payoff letter that they said I was supposed to receive. The last conversation I had was XX/XX/XXXX and was told by XXXX ( she would not give me a last name or operator number ) in the " Resolution Dept. '' that she would resend the payoff letter that I should receive in 7-10 days and that they would send me a duplicate title which would take an additional 2-4 weeks but they would send it XXXX. She told me she would call me today at XXXX to confirm everything but I did not hear from her. The case number is # XXXX. I asked her to let me know how many times I had called and she said she could not look up the calls unless I gave her specific dates that I called even though the people who I spoke to in " Customer Service '' seemed to be able to pull them up on their computer when I spoke with them.
Product: Mortgage

Chase bank issued a loan modification to my former husband. Our legal separation document declares that the property is now his and he has to either refinance in his own name or sell the property. Instead he declared bankruptcy ( chap XXXX ) and as part of the plan modified the mortgage without my signature or consent. Before that the mortgage had nearly been in foreclosure. This was in the Fall of 2012. My ex husband has been paying the reduced mortgage payment since. The account is up to date. 
Chase will not update the information for credit reporting purposes saying that it because there is a bankruptcy in process. IT IS NOT MY BANKRUPTCY. My credit score is very low because of this and the near foreclosure. My interest rates are high and I can not get a mortgage of my own and I have to rent. Chase will not remove my name from this account even though it is no longer the mortgage that I initially agreed to.
Product: Debt collection

My company filed for chapter XXXX bankruptcy XXXX 2013 and listed the City XXXX as a debtor. A law firm contacted my in about XXXX of 2013 telling me that I owed a debt to the City XXXX for an unpaid business license for 2013 for a company that was closed at the time the payment was due. We had previously closed the company on the City 's business web site. 

At this time I told them in writing of the chapter XXXX filing and asked them to cease and desist all further attempts to collect the debt that was included in the bankruptcy. 

I never heard from them again until a few weeks ago when the same law firm sent me another demand letter for payment even though the debt was included in the bankruptcy filing and discharged.
Product: Debt collection

I contacted National Credit Systems for several months, asking for an itemized list of the amount the debt collection agency is reporting to the credit bureaus. I have yet to receive anything in writing proving that the amount they claim is owed is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had Identity Theft did a Police Report on XX/XX/20 called Capitalone to fix my information Name is spelled wrong and phone number has changed I still havent heard back from them I also alerted the 3 Credit Bureaus to Update Information and fix all Credit Reports because this is due to XXXX  Messing up on their end
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed XXXX of fraudulent account telling them I am a victim of identity theft and O have report fraud to police and FTC, they was supposed to send me some information to complete in its entirety along with pertinent documents to attach Buton the midst of waiting for paperwork I have related and never received paperwork, Ive tried calling to let them know and they said they can not send me anything else, I told them they do not have authority to do that and that I am trying to dispute false account and that its messing up my life, therefore I am trying to proceed with removing false loan off of my credit immediately!!!!!
Product: Mortgage

I received my escrow analysis dated on XX/XX/XXXX. The analysis has excluded one of my monthly payments for XX/XX/XXXX causing a larger than necessary collection of escrow payments. My payment for the XX/XX/XXXX payment was received by the Company, Amerihome Mortgage on XX/XX/XXXX, however was not included in the calculation. 

Total paid for the period XX/XX/XXXX to XX/XX/XXXX is {$6100.00} with a beginning balance of {$1000.00} for a total escrow to be used of {$7200.00}, and taxes were paid out XX/XX/XXXX in the amount of {$4600.00} leaving the balance in escrow at its current amount of {$2600.00}. Insurance will be coming out in XXXX in the amount of {$1700.00} leaving an escrow balance of {$860.00}. The analysis shows that my minimum amount due should be {$940.00}. Leaving a shortage of {$79.00}. 

With the amount for one of the months missing the amount due is being calculated at {$1100.00} and collecting monthly at {$91.00} plus the new escrow amount of {$530.00}. 

I called Amerihome to request a new escrow analysis to be run and was told, " sorry it is correct and by the way it doesn't go into affect until XX/XX/2019 ''. 

Then I asked to talk to a supervisor and the supervisor said I was wrong. So I asked to speak to a higher supervisor and was told the higher supervisor would be calling me back in 24-48 hours. 

This is not correct and companies should not be allowed to bully their customer 's. I have never missed a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative information listed on my credit report. Specifically, I am concerned about the following accounts : Account Number : XXXX ( XXXX XXXX  ) To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Account Number : XXXX XXXX XXXX XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account Number : XXXX ( XXXX XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account Number : XXXX ( XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account Number : XXXX ( XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account Number : XXXX ( XXXX XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account XXXX : XXXX XXXX XXXX  ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

I request that you investigate these accounts and correct any errors. It is important that my credit report accurately reflects my credit history. I appreciate your prompt attention to this matter. 

Thank you for your time and consideration. 

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

XXXX XXXX XXXX pulled a credit inquiry on XXXX that i did no know about.
Product: Debt collection

Upon checking my consumer file in XX/XX/2024, I realized I had a collection account from Vance & Huffman. I was unaware of the debt because I never received notification from this agency about the debt per the FCRA. I then sent a verification of debt to this agency requesting the original contract of the debt I was suppose to owe. They responded with a letter saying I owe a debt for {$4000.00} for the original creditor XXXX XXXX. This isn't verifying a debt. That's just a bill. I responded back around XX/XX/2024 with a letter stating I need to see the original contract or itemized statement of the debt along with my signature. I'm still waiting on their response. I have said this with the other collection agencies who have tried to collect on this debt. No one has been able to show that this is my debt. They have the wrong person and the wrong DOB and Social for me. Vance & Huffman didn't even have my address until I sent out a validation of debt letter to them. Vance & Huffman has placed inaccurate and negative information on my consumer file and I would it removed immediately. Their actions by not following the law to report debt is fraudulent.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any itema listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$230.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax, XXXX and XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

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 items 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 or has reasonable cause to believe that the information is inaccurate. 

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

I paid off my auto loan with Santander Consumer USA in the amount of {$9300.00} on XX/XX/XXXX. I have received my title and lease of lien for the vehicle I paid off from Santander. This account should be reporting a {$0.00} balance and paid satisfactory. As of today XX/XX/XXXX, 38 days later, my account is still reporting as open with a balance of {$9200.00} on my XXXX and XXXX credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX and XX/XX/XXXX my husband ( we have since divorced ) did not pay his XXXX XXXX XXXX XXXX  When I discovered in XX/XX/XXXX that they had gone unpaid and two tax liens had been filed jointly against us I called the XXXX XXXX XXXX XXXX to go on a payment plan. In XX/XX/XXXX both liens were satisfied and marked paid, satisfied and cancelled. This was also officially recorded with the Clerk of Superior Court. 

Following my Divorce in XX/XX/XXXX I wrote all 3 CRA 's with supporting documentation to request that the liens still remaining on my reports be removed. I was instructed to contact the XXXX XXXX XXXX directly in order to do so. However, XXXX XXXX XXXX XXXX informed me the Department has no control over what public information a credit bureau chooses to keep or report. Furthermore, although the liens had officially been withdrawn the Department does not report the recording of state tax liens to any such agencies and therefore has no responsibility to instruct a CRA to alter any derogatory reports even if they remain in error.
Product: Debt collection

My data was breached this collection account is not mine I demand that this account be deleted immediately under the FCRA ACT LAW 15USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the account that must corrected. 
WELLS FARGO XXXX XXXX XXXX : {$6000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX Balance : {$13000.00}.
Product: Debt collection

To Whom It May Concern : Again we write in regard to unauthorized communications dated XXXX XXXX, 2016 and XXXX XXXX, 2016 received from SPS - Select Portfolio Servicing ( attached ). 

Please be advised that there is no debt owed to SPS or obligation incurred by the Complainant to SPS. SPS has made up an account is fictitious and fraudulent. SPS has failed to validate any debt as previously demanded by addressees. SPS has admitted to Complainant that SPS has misrepresented an alleged debt. SPS, its successors and/or assigns have no authority to act in any capacity in this matter. 

We do not and will not engage in the establishment of escrow activity of any nature, which SPS seeks to initiate. 

Be advised that all legal and relevant property bills have been paid and will be taken care at all times by the Complainant in contract with direct vendors only. 



BY : XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau
Product: Checking or savings account

On XX/XX/2018, I had went into Wells Fargo to open a business checking account. I had met XXXX XXXX XXXX, it was presented to him all documents, i.e IRS letter containing EIN # and Articles of Incorporation also a driver 's license and a government official ID, i.e.  Transportation Worker 's Identification Credentials. Now, it came to the part where I was demanded to give up my Social Security number for a personal profile or they wouldn't move forward with a business account and immediately I asked for the policy of their institution to show me where I am required to give my S.S # ( Social Security number ). XXXX XXXX XXXX couldn't provide one so I asked to speak to an Account Manager and he brought over, Service Manager, XXXX XXXX. By this time, I had informed her that I was recording the conversation because of their unprofessional conduct and it was made aware with her. I requested for her to present a policy and she couldn't provide one or a remedy. After our conversation, she went to contact the District Manager, XXXX XXXX, whom I spoke with and it was said that I am to required a SS # to open a business account and when I requested for the policy to show where I'm required to give my SS # to get service, she told me that it is Internal for their company and when I requested a copy, she immediately told me that then I can't do business with them. She didn't give me any other options to get the business account open and insisted on me providing my SS # is the only way to get the business account open. Before I hung up, I told her that this is done under duress and it's not fair. She didn't consider the situation at all and insisted that this is how I can only open a business account. Being under duress, I gave up my SS # and still got denied for a personal profile because they couldn't pull my credit which I didnt know they were going to do. I was told that my business account was good but because they couldn't pull my personal credit for a soft inquiry, they couldn't get my business account open. They never showed me that policy. I was denied service by this bank and their conduct was very unprofessional. I told them according to The Privacy Act of 1974, I have a right to privacy in not giving out my SS # especially to be used as an identifier.
Product: Payday loan, title loan, or personal loan

Self lender is advertising how they can build your credit through an installment loan. 
As you read on an installment loan is a CD that they hold for 12 or 24 months. I tried getting a better understanding by emailing them and they will just respond with information that's is already on their website. 

I tried four times and then moved to live chat they said they have live chat and they absolutely do not have live chat you leave a message on their life chat and they promised to get back to you within 72 hours. It's been almost a month and they have not gotten back to me in regards to my chat request. 

They said they have live customer service over the phone. 

For days in a row I called at different times of the day and each time I called they were closed. 

I called as early as XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX., XXXX XXXX XXXX XXXX and XXXX XXXX 
They were closed! 

We are all aware of scams and people being able to duplicate other people accounts including the irs 's website ... 

So my first thought after all of this was that this must be a scam. 

They charged me a little over {$9.00} to process my application. 

And the loan that I chose was the most that they offer which required a check at the very end of my 12 months. It was a little confusing so I had a lot of questions. 

{$1600.00} would be paid in total after paying them {$150.00} per month for the entire year. 

minus interest charges and all this extra blah blah that they're going to throw on to get the most out of it I was scheduled to receive a check at the end on XX/XX/2021. 

But without a better understanding how can I truly trust my money in the hand of people who's not even interested and helping me get a better understanding of how this will help me. 

I'm still within my 30 days I opened the account XX/XX/XXXX a payment was scheduled to come out XX/XX/XXXX and on XX/XX/XXXX I sent them a message requesting to cancel my account. 

On their website has no refunds for the {$9.00} that I spent so I'll get over it. 

But there will be no way I will lose {$150.00} or in that matter I'm not going to lose {$1600.00}. 

This complaint is being sent because they are fraudulently running a business charging people for applications, charging people monthly for the so-called installment loan that later is called a CD giving no information about it and how it will help you. 

But what they do make perfectly clear is what you will not be getting back. 

This complaint is to make it perfectly clear that as of XX/XX/XXXX I canceled my account I also took my account number and the routing number off of that account. 

If they manage to hold a copy of those numbers this complaint will be used as a legal document making it perfectly clear that I canceled beforehand and if money is removed from my account it will be considered fraud and I will be pressing charges.
Product: Credit card

Over the XX/XX/XXXX/XX/XX/XXXX I fell behind in paying my bills. When the credit card companies called I spoke to them and told them that when I started working again and was able to make a payment I would notify them. There is one company that has called almost every day since XX/XX/XXXX, Discover Card. They call on Holidays and Sundays, several times a day. I told them that I run a XXXX and that is a XXXX. I live in one of the poorest counties in Maine, it is now XX/XX/XXXX but business is still extremely slow. I do n't have money for them. On XXXX XXXX I started receiving general assistance from the town. On XXXX XXXX they plan to seek legal action against me. They call and say you must call us in the next 48hrs or else. If I had the money I owed them I would pay them. I was XXXX for thirteen years and never took anyone to court, I was never taken to court either. Thirty years without missing a bill. My house has been on the market for the last six years. XXXX realtors in six years still the house has n't sold. I spend each day going to the library searching the various job boards for several hours. When a person that has been self employed all his life tries to find a job its very difficult to find someone who wants to hire you. I have called other government agencies looking for assistance in finding work as well, as of this file date nothing.
Product: Credit card or prepaid card

I went to the store to buy items. Their machine ent down. They said they couldnt give me items because transaction didnt go thru but it came out of my account. I filed this dispute on XX/XX/2020 and was supposed to get a provisional credit and they have yet to give it to me.