23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have contacted Carrington mortgage and once I enter my information, the automated system states that I will be transferred to a representative the system, transferrd to a totally different company thats affiliated with XXXX XXXX. I calling them again and tried using a different prompt and I spoke with a gentleman name, XXXX in the finance department XXXX stated that he would be transferring me over to the correct department for Assistance and stated he would remain on the line with me. I explained to him what was going on with their phone line when I contacted customer service and I also did it a merge call so that he could hear what was going on and understand exactly the issue. Upon being transferred, my call never was answered ( call was disconnected ) leaving me No other choice but to call again and again the next rep stated that he would also stay on the line with me doing the transfer because he was in a different department and could not see my account information and I receive the same exact treatment after spending three hours trying to get through and never spoke with anyone and no one called or emailed me back. I also verified and confirmed with the representative the phone # of XXXX was the correct number. As of XX/XX/year> the problem was not fixed and no other department was open except the department that I needed to speak with.
Product: Vehicle loan or lease

No information was sent to lessee address of information or balance statement.
Product: Credit reporting or other personal consumer reports

I have experienced identity theft and I have multiple things popping up on my credit report that I do not recognize. I have sent 2 letters out requesting for validation of debt and none of these companies or credit bureaus have provided what I am asking for.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1995 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPT HELVEY & ASSOCIATES XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious HELVEY & ASSOCIATES XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/1995 ADDRESS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am a co signer on a mortgage loan with my daughter for the account of XXXX XXXX and was never made aware of any payments being late or was not included in a repayment plan. I found out about this only by noticing a decrease in my credit score and upon further investigation seen this loan had 4 late payments reported. I contacted the company and verified that I personally had never been sent any notices to my address, email or contacted by telephone. All notices was sent to the loan address and all dealings was only completed by the borrower without my consent or awareness. I have asked the late payments be removed by this company and it has not been done.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX account ( XXXX XXXX XXXX XXXX XXXX XXXX )
Product: Checking or savings account

I filed two online disputes one for XXXX because I was charged twice and XXXX for an ATM transaction for {$120.00} that only disbursed {$20.00}. My account is now restricted, I received my paycheck via direct deposit and I can not access my funds. When I contacted the bank they said they can't provide an explanation of why my account is restricted or when the restriction will be lifted.
Product: Student loan

Navient has aggressively hounded me at home, work, through family, friends and people I have not had contact with in many years. It's very tricky attempting to navigate their system in order to provide options in order to get my loans out of default. My loans are now over double what they originally were which is directly related to fees and interest making my loans more than double to originating amount. I have a 4 year degree that is now costing more than my yearly salary. I get nowhere working with them and would like to know what my options are. I understand this company has been sued in the past for unfair practices and I would like to join any current petitions or suits filed against them related to the mishandling of student loans. Any time I returned their calls in the past the option shoved down my throat was to go into a forbearance. Once that was exhausted they suggested I take on a third job or that my husband take on a second one ( this is unrealistic ). No one there has provided me with any realistic options consistent with our level of income. I am already in XXXX other student loan rehab programs.
Product: Debt collection

Received private loan in XXXX. Graduated XXXX. Paid payments on loan and was in good standing. Filed bankruptcy XX/XX/XXXX. Last payment made was XX/XX/XXXX. Bankruptcy ended XX/XX/XXXX. When buying my home default loan showed on my credit report. Contacted agency who stated I had not made my payments and was unwilling to negotiate for reasonable settlement. Explained that I had filed bankruptcy and during that time I am not required to pay on student loans. Still unwilling to remove from default. Agency filed suit XX/XX/XXXX. Summons was sent to old address even though I had notified them of my new address when I contacted them earlier in the year. Finally received a summons that I did respond to timely stating that statute of limitations had expired of 6 years and asked case be dismissed due to this. Agency responded that my last payment was made in XX/XX/XXXX which you can clear see is untrue in their " exhibits '' and that it was XX/XX/XXXX. They filed suit XX/XX/XXXX which exceeds the limit. All further documentation from related to the case was again sent to my old address to include the order to garnish my wages even though my correct address was on all legal documents filed. I was not aware of garnishment or order to appear until today when my check was significantly lower. When reviewing documents on IN court filings I found all the documentation regarding this information. I was not given a chance to appear nor was I properly notified of garnishment and this case should have never been filed due to IN statute of limitations.
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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiries was made by the credit inquiries listed below. However, these inquiries was not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have been disputing a bankruptcy with listed on my account XX/XX/XXXX with LexisNexis, XXXX, XXXX, and XXXX. I have also disputed an address listed on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX last date reported XX/XX/XXXX. I've sent in current copies of my driver licences and a Letter from the US Bankruptcy Court stating they don't verify those files. The companies keep coming back they verified the information and my files are frozen and be frozen since XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased round trip tickets from XXXX XXXX via my Capital One credit card in the amount of {$170.00}. However, I had a dispute with this transaction after several incidents. Capital One took my dispute and adjusted the billing initially. When the merchant XXXX XXXX responded to the claim, Capital One adjusted the billing back to my account. I responded to the merchant 's response with my attorney 's letter and several documents. Capital One then closed my dispute and stated " can not assist '' for the reason that I didn't submit any response or required documentation on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX {$9000.00}, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00}. Inquiries : XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card

To : Consumer Financial Protection Bureau ( CFPB ) Date : XX/XX/2024 Complainants Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX pa  XXXX Email : XXXX Phone Number : XXXX XXXX Account Number : XXXX Dear CFPB, I am writing to file a formal complaint regarding a late payment that has been reported on my Nordstrom credit card account, which I believe to be inaccurate and unfair. I respectfully request your assistance in getting this late payment removed from my credit report. 

Issue : On XX/XX/2024, Nordstrom reported a late payment on my credit card account, which has adversely impacted my credit score. I am disputing this late payment for the following reasons : The payment was not taken out of my account but I have since paid off the card almost in full. I have reached out to Nordstrom 's customer service team on several occasions, but despite my efforts to resolve the matter amicably, they have not been willing to remove the late payment from my credit report.
Product: Debt collection

XX/XX/2022 XX/XX/2022 I disputed collections and charge offs that do not belong to me & they all came back as verified with no proof or wet signature. 

They reported the debts as new after the disputed and continuing to charge late payments when I have no knowledge of these accounts.
Product: Credit reporting or other personal consumer reports

I have found multiple accounts listed on my credit report that I have no association with, and I am alarmed by their presence. This is not only an error but a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am entitled to an accurate credit report, and these inaccuracies are impacting my credit. I request an immediate investigation into these discrepancies and expect them to be corrected swiftly. If this matter is not resolved satisfactorily, I will take legal action to enforce my rights.
Product: Debt collection

I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an XXXX loan to get my small business off the ground. Your company has hurt my ability to obtain credit. the following account is in violation :11 CCS FOR XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit report shows an alert : NEW ACCOUNTDate:XX/XX/2018 XXXX XXXX XXXX Type of Industry : Miscellaneous Banks Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX  SD XXXX Phone Number : ( undefined ) undefined I do not have an account with The XXXX XXXX. 
I have tried numerous times to have this corrected with no success.
Product: Credit card or prepaid card

I recently obtained my credit report. I was shocked to find four Chase credit card accounts totaling $ XXXX filed against my credit report. I filed a dispute with the various credit reporting agencies. Chase removed three of the four credit card accounts as they were fraudulent but is claiming the fourth account ( JPMCB Card XXXX ) is not fraudulent stating that, we have a signed application and/or signed credit card disclosure on file for this account. Chase refused to provide me with a copy of the signed application or copy of the billing statements for the account. When I called, Chase was unable to provide me with the address that the account was billed to. Once again, this in the context of three other JPMCB credit card accounts that were fraudulent. Instead, Chase keeps wanting me to settle the account ten cents on the dollar in effect to take responsibility for purchases on the account that I have no knowledge of nor performed. 

As such, I am requesting that this account be removed from my credit report. In the alternative, if Chase wants to provide me with a copy of the signed credit application as well as the statements, then I will review to provide further evidence to Chase that this account is fraudulent. As documented in my prior communications, I have been the extensive victim of identify theft which has been reported to numerous agencies. 

Thank you, XXXX XXXX, MD PhD
Product: Credit card or prepaid card

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my innumerable to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, PNC Account, has violated my rights. 

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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Late Payment Dates : XXXX, XXXX, XXXX - XXXX XXXX, XXXX, XXXX, XXXX - XXXX XXXX - XXXX
Product: Vehicle loan or lease

I co-signed a car loan for my daughter with Toyota Financial Services. She has made her payments via their Application on her phone. In XXXX of this year we received a letter from them stating that her payment of XXXX, which was a payoff amount, did not go through. However, she never attempted to make this payment. We feel this was an attempt at fraud. We contacted them immediately and explained that she did not make this payment and that her desire was to continue making her agreed upon monthly payments. We had to speak to a supervisor to at that time. He assured us that he was fixing their mistake. 

Fast forward a few weeks. She goes to make her monthly payment as usual and the application will not allow her to make it. So she calls and speaks to a customer service rep. who tells her that the loan is about to be wrote off and her and my credit will be affected for XXXX years if she doesn't make the large payoff payment. She again explained that this is their mistake and not ours. They rep tells us that they had sent the title to an address that isn't ours and that our only option to fixing this is to get the title back. We do not live there, we never received the title. This has gotten to the point where they will only accept a payoff of the loan amount to close the account without penalty. 

I feel this is wrong. Toyota praying on young people, forcing them to make large payments that is unnecessary. I would love some assistance in this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Transunion are reporting on my credit report an account with XXXX  XXXX XXXX  XXXX OPENED ON XX/XX/XXXX!!! This account is TEN years six days old and negative information is nine years old. It was never reopened it is erroneous reporting by XXXX XXXX. 

These account is greater than TEN years old as of today XX/XX/XXXX. 

XXXX, XXXX, and Transunion Transunion are reporting this in violation if FCRA and UDAAP by this creditor. 

The reporting must be removed as it exceeds the statute of limitations
Product: Vehicle loan or lease

I have a XXXX  automobile leased with AHFC. I've purchased many vehicles from XXXX and financed several with AHFC. Yesterday I called to ask a question. One representative gave me one answer and hung up on me. Another representative gave me a different answer. I asked for a supervisor. Was not allowed to have one, told I would have to get a call back. Supervisors then kept calling back and referring me to call customer service. When I called customer service, I was told I could not have a supervisor. Round and round and round and round. No solution. No supervisor. Horrible customer service and still no outcome on what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chime Credit Builder Account Resolution of disputed transactions Amount of time allotted for reconciliation Excessive paperwork given hardship ( XXXX XXXX, lacking adequate coordination to file repetitive accusation Hotel bookings directly with hotel, no return of deposit, no price match given guarantee, and discrepancy of policies for deposit, available services VS limited services during pandemic ) Communication open and easily accessible- see histories of accounts. 
No update from Chime No open communication regarding reconciliation process though guaranteed No acceptable processing time frame ( given multiple times and reasoning when made aware of personal hardship numerous times )
Product: Credit reporting or other personal consumer reports

I am urgently writing to notify you that I am a victim of identity theft, leading to several fraudulent entries on my credit report. These 6 unauthorized accounts and 10 inquiries were added without my knowledge or consent, and they must be addressed immediately. 

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 XXXXXX/XX/XXXX I have already filed an official identity theft report with the Federal Trade Commission ( FTC ) , and I am demanding the immediate removal of these fraudulent items to restore the accuracy and integrity of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL CREDIT CARD COMPANIES WERE PAID IN FULL EXCEPT FOR XXXX AND XXXX XXXX.