23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I recently obtained a XXXX loan through Payoff to payoff my credit cards. I have a perfect payment history on all of my cards. After paying off my 3 Chase cards to the tune of almost $ XXXX, I receive a letter that all of my credit lines have been reduced to {$500.00} each. 

I called and after a re-review, they were willing to give back $ XXXX across the 3 cards. I was told they could not do more than that based on the balance I carried over the past year ( which was due to extraordinary circumstances ), because I was only making minimum payments and because I used a credit card consolidation loan to pay off the cards instead of personal savings. 

Ive been with Chase for several years and to be treated like this after paying off all of my accounts is absurd. It seems like they would have rather I kept making minimum payments so that they could collect interest. 

On top of that, having my credit limit reduced affects my credit score negatively when all I did was payoff my cards which should have boosted my score.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting XXXX  Account Ending in XXXX To Whom It May Concern, I am writing to dispute inaccurate information on my credit report regarding the XXXX account ending in XXXX. This account is being reported as a charge-off, despite the issuance of a Form 1099-C by XXXX, indicating the debt has been cancelled. Continued reporting of this account as a charge-off is inaccurate, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ). 

Disputed Information Creditor Name : XXXX  Account Number : Ending in XXXX Issue : Continued reporting of charged-off debt after issuance of a Form 1099-C for debt cancellation.

Violations 1. 15 U.S.C. 1681e ( b ) : FCRA requires credit reporting agencies to ensure maximum possible accuracy of credit reports. Reporting a cancelled debt as charged off is misleading.

2. 15 U.S.C. 1681i ( a ) : Failure to investigate and correct inaccuracies is a violation of the FCRA.

Requested Resolution 1. Remove the XXXX account from my credit report. 
2. If the account is not removed, update it to reflect a {$0.00} balance and clearly indicate the debt has been cancelled.

Supporting Documentation 1. A copy of the Form 1099-C issued by XXXX 
2. A copy of my credit report with the XXXX account highlighted. 
3. A copy of my government-issued ID and proof of address. 

Please investigate this matter and notify me in writing of the results of your investigation within 30 days. 

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

XXXX XXXX ACCOUNT MUST BE REPORTED AS CLOSED BY CONSUMER. THE DISPUTE FLAG SHOULD BE REMOVED AS THE COMPANY HAS RESPONDED THAT THE DISPUTE HAS BEEN RESOLVED IN MY FAVOR. THEREFORE, MY INFORMATION ON THE ACCOUNT IS BEING INCORRECTLY REPORTED. PLEASE SEE THE COMPANY 'S RESPONSE TO THE CFPB.
Product: Checking or savings account

I am submitting an email with the details of incident of fraud, theft, cyberattack on my company XXXX XXXX XXXX XXXX. On the XX/XX/XXXX2022 my email at XXXX was hacked XXXX ET. I began receiving emails from clients and colleagues that they were receiving emails from with a link to website to pay a bill. Of course, I apologized and changed all my passwords etc. I learned the on XX/XX/XXXX2022 there had been XXXX logins to my email from California, Oregon, and Rhode Island. With the instructions and support of XXXX, I went in and logged off of my email from all devices and reset the password again. 

As it turned out, the hacker was impersonating me with an employee at XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX handles bill payments for XXXX In Charge. On Friday, XXXX/XXXX/22, I logged onto my bank and saw there was payment made to XXXX XXXX for {$40000.00}. I immediately asked XXXX what was this was for and she said that is the payment you asked me to make. She said she had an email from me ( see attached ). I had not sent her an email and nor authorized such a payment I asked her to send me the emails. She sent me the emails to XXXX and when I opened them, they deleted themselves. She proceeded to save the emails as PDFs. 
It turns out hackers had control of my email. This is when I contacted XXXX and logged all devices off. 

I contacted my bank, Fifth Third and opened a claimed. Since it was XXXX hours later, they would not assist me with getting the money back from XXXX XXXX since it was past XXXX hours. I reported the problem to XXXX XXXX and they told me all they could do is research the account. 

Since XXXX is the employee of In Charge Accounting Services and made the payment as result of this hack and fraud, I would like to submit a claim of the crime to the policy of In Charge Accounting Services. 
I am in the process of contacting the FTC to report the crime and fraud.
Product: Debt collection

A collection debt from a company I've never heard of putting false information on my account. A company called consumer Adjustment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were NOT authorized : XXXX - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX  - XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$980.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- {$710.00}
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to inform you that I have been a victim of identity theft. After conducting research on how to remove the fraudulent items from my credit report, I discovered that I need to file a report with the Federal Trade Commission, which can be done at XXXX. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to remove any items listed in an identity theft report.

Enclosed are the necessary documents to assist in the removal of the erroneous information currently appearing on my report. Below is a list of items that do not belong to me or were opened without my authorization As stipulated in FCRA Section 605B ( a ), credit reporting agencies are required to remove any information identified by the consumer as resulting from identity theft within four business days of receipt of this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I leased a new car Kia XXXX XXXX, for 3 years. The lease ended on XXXX XXXX. I decided to purchase the car and got Financed with a XXXX XXXX XXXX XXXX. 
The leased contract specified in writing if I decide to buy the car at the end of the lease, the residual value is {$15000.00} They give me a purchase order with a new price value of {$16000.00}, and after I complaint in person at one of their local dealers here in XXXX, Florida, they said this is final, if i want to keep the car. ( besides all the other ridiculous charges they did as extra ) I had to proceed with the lease buy out without any option because of the due date of the lease. 
I want you to please make this company to refund me the extra amount they charged me for the car itself, without legally respecting their own lease contract agreement. 
The difference amount to be refund is {$780.00} The company is : Kia Finance XXXX XXXX XXXX XXXX, TX XXXX. 
Account # XXXX The buyers order provided by XXXX Kia, located at XXXX XXXX XXXX XXXX in XXXX Fl. XXXX
Product: Mortgage

Once again they are using payment funds how ever they want - they say I owe my full mortgage amount for XXXX on XX/XX/XXXX - but I will already be paying the XXXX mortgage payment. Please review the attached file for payments made for this loan. I did not choose to be this companies customer I was financed with another company - I am really tired of their fraud and theft of mortgage funds.
Product: Vehicle loan or lease

I purchased a XXXXXXXX XXXX XXXX on XXXX at XXXX miles from XXXXXXXX XXXX XXXX XXXX the sale price was {$12000.00}. I paid {$1500.00} down. I financed with United auto credit. This is what the contract states. Annual percentage rate {$21000.00}. Financed charge {>= $1,000,000}. Total of pay {$1500.00} down payment / {$24000.00}. ITEMIZATION OF AMOUNT FINANCED. CASH price of vehicle $ XXXX {$13000.00}. Cash price {$1500.00}. Unpaid balance of cash price {$11000.00}. XXXX {$1700.00}. Term 24 months XXXX XXXXXXXX XXXX XXXX {$200.00}. XXXX {$390.00}. Total other charges paid {$2300.00}. Amount financed {$14000.00} 66 payments of {$360.00} made a total payment of {$7000.00} plus {$1500.00} down bringing total payment of {$8500.00}. The car was having problems days after percentage steering wheel shaking up to XXXX on highway and loud noise coming from the breaks, I have spent over {$700.00} trying to fix this problem because I was told I already signed the contract and to contact XXXX  up on contacting XXXX  I was told that by my statement of the problem they are not are sure if it's the XXXX and if that's not the issue I would have to pay out of pocket for diagnostic. Start XX/XX/XXXX the car would not start I had to get a jump to work. every time I turn the car off it would not XXXX. Once I got home I had a friend take me to test the battery to see if that was the issue. I found out that the battery was a good battery. I went out one morning to go to work and to see my windows broking and steering wheel jacked out the robbers wasn't successful because the car have to get a jump before cracking. I had a bad insurance company. Besides all of this I have been making complaints to united auto credit they did not car because all they could say is you signed a contract when would you make a payment. Wow I loss my job because I had no ride to work I have been telling the finance company to come and get the car since XX/XX/XXXX. They say that I owe {$10000.00} and if I won't it off my credit like this never happened I can pay {$7000.00} if I don't want that deal then I could pay {$5000.00} in installments but my credit would continue to say {$10000.00} until the {$5000.00} has been paid and they can bot issue me that agreement until the {$5000.00} is paid. Wow the interest was {$7.00} on the car. I need help please and thank you I was told that the car was sold at $ XXXX {$7000.00} after the repo. 
I have not or a job since XX/XX/XXXX my kids and I are struggling I have no family or friends to help me. No one would finance me a vehicle without asking for {$6000.00} down payment. I just want my life back I'm so XXXX  because of this situation I'm totally in a XXXX  whole my credit is doomed for every. I later found out that the dealer roll back the miles on the car so the car I purchased could have been a lemon to have the problem it was having so fast.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

In the past month, I have received over 10 solicitations to refinance my VA home mortgage. They range from poorly written to devious in their aim to convince me that I should not miss this opportunity to refinance. Many center around some " waiting period '' or the " IRRRL ''  program which I did not even know existed. My personal complaint is that I hate receiving paper mail in the first place because it wastes my time and I have to dispose of it with a shredder to avoid proliferating my information. I also believe that these letters are unethical business practice targeted at ignorant consumers. I hope there are not people who respond to them, but I am sure there are. It should be illegal to send this garbage to me. If I want to refinance my VA loan, then I will seek out a lender. I have retained the letters in case you want more information. As of today I am at 12 of them in less than 30 days. To me that adds up to harassment by the industry as a whole.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to deposit a check that I thought was good but it wasnt
Product: Credit reporting or other personal consumer reports

I was reviewing my consumer report and noticed these accounts on my consumer report. These accounts is more than 7 years old and must be removed immediately.

According to 15 US Code 1681 Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

According to the congress, you must report accurate, relevant, and fair information on my report or you will be held liable.

According to 15 U.S. Code 1681n - Civil liability for willful noncompliance Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
Please send an updated consumer report once the changes are complete. 
Thank you for your attention to this matter. 


XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX Account Type : Installment Installment Account Type : Auto Lease Lease Bureau Code : Individual Individual Acct Status : Derogatory Derogatory Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$8600.00} {$8600.00} No. of Months : 36 36 High Credit : {$21000.00} {$0.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Pay Status : Collection/Chargeoff Collection/Chargeoff Last ReportedXXXX XX/XX/XXXX Date Last ActiveXXXX XX/XX/XXXX Date of Last PaymentXXXX XX/XX/XXXX
Product: Debt collection

CASE XXXX XXXX SOUTH DAKOTA XXXX, XXXX JUDGEMENT XX/XX/2009 -- - PAID VIA WAGE GARNISHMENT IN XXXX THROUGH XX/XX/2009 see attachment SATISFACTION FILED DEBT was PAID in full and fully released from debt XXXX GARNISHMENT ISSUED DIRECTLY TO XXXX XXXX XXXX NO NOTIFICATION SUBMITTED TO MYSELF PAID IN FULL SEE ATTACHMENTS
Product: Payday loan, title loan, or personal loan

I admit that I looked into the offer of a loan from netcredit ; however, once I viewed the repayment terms and APR, I did not execute an e-docu sign. So, I never signed to receive the funds, but the funds were deposited into my account the next day. 

At the time I was in need, so I used the funds. To date ten months later, I have repaid over {$2500.00} on a {$3300.00} loan, but the current balanced owed as of today is {$3200.00}. So of the ten months of payments of $ XXXX  monthly only {$100.00} has gone toward the principal.

Additionally, I am requesting this lender provide verification or validation of the loan by producing an e-signature to show that I endorsed deposit of the proceeds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has allowed fraudulent, derogatory information to be furnished against me that has been proven to be unfounded. Experian has failed to adequately investigate accounts upon written notification from me that the accounts were fraudulent or inaccurate. Experian has and continues to monetarily benefit from defaming my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted twice to dispute inaccurate reporting by Synchrony Bank on several of my personal accounts I have with them. The last dispute was submitted directly to Synchrony Bank on XX/XX/XXXX. This letter contained a letter stating my request to remove inaccurate reporting of late payments, and incorrect address, along with evidence proving the information being reported was not accurate and should be removed. XX/XX/XXXX I received a letter from Synchrony Bank stating their review indicates they are correctly reporting to the credit bureau ( s ). I feel Synchrony Bank is in violation of The Fair Credit Reporting Act.
Product: Credit card

Credit card company is charging me for services not completed. They are not removing amount not received because work wasnt done
Product: Checking or savings account

On Saturday XX/XX/XXXX, I had deposited {$600.00} into my account and now I have learned that my account was frozen due to transactions that I have verified multiple times over the span of six months and having to go to the branch multiple times and it has been inconvenient and frustrating beyond belief. I have spoken to Truist multiple times to their debit card fraud department and now their enterprise fraud management and they're saying my account is under review and the money I deposited was money from my mother and was to be used for rent and now its behind and I'm beyond frustrated. They have done this over a span of six months where I have had to verify transactions such as XXXX XXXX XXXX XXXXXXXX purchases and it is ridiculous.
Product: Debt collection

On XXXX XXXX I received a letter from one main financial company threatening me of a debt of XXXX interest on car loan. I have not received a 1099c form cancellation of debt. As research has shown one main financial has filed a 1099a & 1099c on my behalf without permission and received full payment for that loan amount. On record they have the wrong address for this vehicle lease in no actual evidence on file of I. They have damaged my credit, hard inquiry on all three credit reports. Im very disappointed in upset with this fraud company. I will like my information removed from there contact information and system immediately as well my credit report cleared immediately within 14 days of this fraud claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have viewed my credit report from all 2 credit reporting agencies. I noticed in my hard inquiries there are some companies unknown to me as well as I've never given them permission to pull my credit report. When I contact Equifax, XXXX and XXXX, I was told by all three credit bureaus to contact the creditors directly. When I contacted the creditors one by one, I was advised they could not assist me and referred me back to the three buraus. I am asking the assistance of CFPB to help remove these unauthorized inquiries from my credit reports : XXXX Reports : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 


I did not give my written or verbal permission for any of the above hard inquires. 

Please Help
Product: Debt collection

called me at XXXX XXXX on XXXX/XXXX/XX/XX/2015 saying that I owe {$1600.00} and I talked to the management company that filed it against me and they told me adjusted it to {$940.00}. XXXX calls me saying I have to make a payment before XXXX on XXXX/XXXX/XX/XX/2015 after the fact that I asked them to mail me something stating that balance and they refused to.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX XXXX  XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX & XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which 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 EQUIFAX MORTGAGE SERVI XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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: Student loan

Mohela handles my student loans. In XXXX, I paid my loans down to a balance of {$7500.00}, but since then {$71.00} was added to my balance. This should not be happening, since all of my loans currently 0.0 % interest. ( studentaid.gov also shows my balance at {$7500.00}, without the additional balance that Mohela added ). I called three times, and spoke to Mohela representatives, who also told me that my loans are at 0.0 % interest, and that interest should not be accruing. They could not provide me with an answer for why the balance was added.