23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car in XX/XX/XXXX for approx {$12000.00}. I have a loan through my bank, XXXX XXXX XXXX XXXX, and I have been making on time payments for two years. This is not reflecting on my credit report. I have dealt with my bank for the past 6 months, at which they are telling me it is out of their hands, and has to do with the Credit Bureaus. I contacted Equifax and I was told it was my banks fault. My bank tried contacting Equifiax, and they said they are unresponsive. I have worked very hard to have this loan and build credit. I have invested a lot of my time and energy into addressing this matter, and after a year of not getting anywhere I am now seeking other methods of help to get my loan to show on my credit report.
Product: Debt collection

I have recieved over 250 calls from this collector, but no debt validation letter, i was not given any types of notices prior to this collection being placed on my report.
Product: Mortgage

I HAVE A HOME EQUITY LOAN WITH CHASE BANK THAT WAS FROZEN WHEN THE REAL ESTATE MARKET CRASHED. SINCE THAT TIME I HAVE MADE ON TIME MINIMAL PAYMENTS MONTHLY. LAST YEAR I APPLIED FOR A MODIFICATION TO THAT LOAN BECAUSE THE BALLOON PAYMENT WAS COMING DUE WITH CHASE BANK. I FELT I NEEDED THE ASSISTANCE BECAUSE MY WIFE IS A XXXX AND THE DOCTOR AND HOSPITAL BILL HAVE BECOME A REAL PROBLEM. I WAS TURNED DOWN BECAUSE CHASE BANK STATED I HAVE BEEN MAKING THE MINIMAL PAYMENTS ON TIME AND SHOULD WAIT FOR THE BALLOON PAYMENTS TO KICK IN. I CONTESTED THAT DECISION AND RE APPLIED. AGAIN I WAS TURNED DOWN FOR THE SAME REASONS. THE BALLOON PAYMENT HAS COME AND I 'M PAYING IT IN DISTRESS, SO I RE APPLIED AGAIN AND WAS TURNED DOWN AGAIN AND THE ONLY OPTIONS GIVEN TO ME WERE SHORT SALE OR DEED-IN-LIEU OF FORECLOSURE. I HAVE BEEN IN MY CONDO FOR OVER TWENTY YEARS, I 'M A RETIRED XXXX XXXX WITH A SICK WIFE, WHO IS TRING TO TAKE CARE OF MY RESPONSIBILITIES AND NEED A MODIFICATION TO CONTINUE SAME.
Product: Student loan

Navient making it hard to repay, additional fees and excessive credit reporting to agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor 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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

The following accounts do not belong to me. I need to get these things fixed immediately, it is hindering my livelihood and my quality of life. They report inaccurate and incorrect information and it's illegal they should not report it on my credit report. 
XXXX. XXXXXXXX XXXX Installment XXXX. XXXX XXXX XXXX XXXX Installment XXXX. XXXX XXXX XXXX account XXXX. XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) Collection XXXX. XXXX XXXX XXXX account XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Collection XXXX. XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Collection XXXX. XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Chase bank is refusing to either return the funds of a check that I deposited in my business account. They said that they cant verify it and there is only one way that they will verify it and it is by a third-party verifying company from a different state that is saying, the gentlemans phone number is not correct, he is an XXXXt and has informed me that his phone number has been the same for 40 years. We have offered many ways to try to prove his identity, including coming in person contacting with his own bank and they keep telling us no, theres only one way to do it and that is to a phone number he isnt his. I dont know what else to do. They are refusing to even return the money and void the check. I have spoken with many managers supervisors and had them take this issue up the letter to escalation teams each time it gets denied the lady that I deal with at my branch Was so upset about the situation. She literally called me crying and told me they denied it again and then told her they were not going to release the money or return it back to his account. That its to late for him to try to stop payment and they arnt returning it. Aside from also them telling me they will close my account in 10 days if its not handled from the time they messaged me. Then what happens to my money? They were going to hold the money for two years and then turn it over to the state and no one gets it, I have never heard anything like this in my life before there are plenty legal ways to verify this. They are refusing to hear any of them. People in the branch have been helpful, but there is something they call the back office which is the 800 number this is literally ruining my life. Its embarrassing, froze my entire business account up. So I am not allowed to access any funds. My business can not run not to mention this gentleman is out his {$30000.00} at this point this should be NOT legal. People should be held legally responsible for this. Please Help Me!!! I have read many forums where this is something that Chase Bank does, and some people have had to file lawsuits on the third-party company, forgiving misinformation. I dont know how this policy can be legal. Recently on the news in Arizona, they did the same thing to a little girl and held her check because they couldnt verify a phone number from a livestock association that bought her chickens. This bank needs to be federally investigated.
Product: Credit reporting or other personal consumer reports

Upon meticulously reviewing my credit report, I was disheartened to uncover a multitude of inaccuracies on my account. These errors, far from being mere oversights, significantly undermine my creditworthiness, a matter that I trust the credit bureaus to rectify promptly and thoroughly. I explicitly request an immediate and comprehensive investigation into the following account : XXXX : XXXX.
Product: Checking or savings account

I tried to close my account today after reading online that I am not the only person who has had trouble with this company and their program. I actually read to come here and figure out the issue. I opened my account in XXXX of XXXX. And recently ive tried closing the account multiple times but there is always an error
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and equifax showing my mortgage closed. i have never stopped making payments. i have copy of payment history up until XX/XX/2018 2018
Product: Vehicle loan or lease

I have a vehicle with my soon to be XXXX XXXX  back in XXXX of XXXX  my soon to be XXXX  had the car towed to the XXXX dealer to be fixed I noticed the vehicle never was picked up I went into the dealer they stated that XXXX they can not get a hold of and there is a {$1900.00} bill, I said I would like to surrender my plates. The XXXX called Credit Acceptance to pick up the vehicle and they did in the mean time I surrendered the plates to XXXX, my soon to be XXXX  worked it out with Credit Acceptance and he retrieved the vehicle back. I have called this company ever since XX/XX/year> and explained that they keep allowing XXXX to set up these payment arrangements and he is NOT paying on the vehicle i've explained i turned in the plates they said he is on the car and he can do. Long story short he has made couple of payments, that got kicked back the car kept having a past due balance, late fees and hitting my credit every month, in addition to them allowing him XXXX XXXX car with no insurance for months which i have proof of from tolls and it ended up getting my DL suspended not his they do not care. Now the car has been reposed from XXXX months ago due to non payment, his last know partial payment was in XX/XX/year> so no payments have been made since then, I received a letter that car is reposed and auction date is XX/XX/year> and guess what they are still allowing him to make payment arrangements, that he is not fulfilling and balance is going up, late fees and hit to credit. When I called them to ask this now the response is it is repoed although if it doesnt sell this is the way it goes plus the rep said we are in {$15000.00} on this vehicle. I said excuse me where does it state this in my contract and to send that info and I stated that something has to be illegal with this I can not see how this is still being aloud to happen. I see they have a lawsuit open with the XXXX of XXXX  on something like this. Everything they are doing is not based off the contract I have. I really need help with this it is ruining my life that they keep allowing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.ASKING ALL " LATE '' MARKS BE REMOVED AS " GOODWILL GESTURE '' DUE TO SERIOUS ILLNESS ALL REPORTED 30 60 & 90 LATE MARKS BE REMOVED AT ONCE FROM ALL MAJOR CREDIT BUREAUS OR 2. PROVIDE ME ALL SIGNED DOCUMENTATION ASSOCIATED WITH CLOSED ACCOUNT # XXXX FOR VERIFICATION IF UNABLE TO PROVIDE TO VERIFY ENTIRELY REMOVE COMPLETE ACCOUNT FROM ALL MAJOR CREDIT BUREAUS UNDER 609 ARTICLES FAIR REPORTING ACT. 

CLOSED ACCOUNT ENDING IN # XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed a charge off from XXXX XXXX that had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on TransUnion. I sent a notice to the creditor requesting for a 1099-C form on XX/XX/2022 but they failed to reply and I sent a follow up response on XX/XX/XXXX, and they failed to respond again. 

This information needs to be deleted because by law it is inaccurate, since a charge off is classified as INCOME and INCOME isn't reported on credit reports. XXXX has understood this, but TransUnion still has not deleted this information that needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.
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. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit report that were not authorized and are unknown. Ive tried disputing with the companies but I was told to dispute with the credit bureaus. Ive disputed with the credit bureaus several times but XXXX  is the only bureau that removed the inquiries. XXXX  and Equifax have not removed those inquiries. I have not given my authorization for the inquiries and I do not recognize any of the companies. Ive asked for them to send me written proof of my signature of authorization and they can not provide this information. I would like for these inquiries to be removed from my credit report for all reporting bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of specific accounts from my credit 
file, as I am a victim of a data breach and subsequent identity theft. Under 15 U.S.C.  1681c2(a) and FCRA  605(b), I am entitled to have fraudulent information removed from my credit 
report to ensure its accuracy and integrity.
Please remove the following accounts from my credit fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have contacted Nelnet as well as opened a complaint on XXXX because Nelnet is inaccurately showing that some of my federal student loans are in a standard repayment plan while the others are showing ( accurately ) that they are in the PAYE program. This has made it nearly impossible to determine what repayment plan currently being offered is best for my financial situation. I contacted Nelnet originally two months ago, on XX/XX/2023 and opened a complaint on studentaid.gov on XX/XX/2023. As of today ( XX/XX/2023 ) I have not received any kind of helpful information, verification of the payment plan, or a reason for such a delayed response.
Product: Credit card

On XX/XX/year> I made a purchase using my XXXX line of credit through Citizens Bank at XXXX XXXX. XXXX XXXX cancelled the order shortly after saying they could not verify my information. I have made numerous calls to Citizens Bank ( XX/XX/year>, and 3 calls on XX/XX/year> ). I have even had XXXX XXXX reach out to Citizens Bank. Citizens Bank has refused to release my available credit stating XXXX XXXX has not refunded the purchase. XXXX XXXX said they refunded the money the same day.
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 XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XX/XX/XXXX. {$260.00}. I believe that this payment is insufficient for the services rendered due to services not working correctly. I would like the {$110.00} installation/contract fee reimbursed to my account effective immediately. I need to study for my Professional Exams, including XXXX XXXX possibilities for a scholarship in the summer of XXXX or sooner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you in good health and high spirits. I am writing to seek your valuable assistance in resolving an issue that is hindering my entrepreneurial aspirations. As a dedicated and driven entrepreneur, I am eager to expand my business and contribute to the economic growth of my community. However, repairing my credit has become an essential step in achieving these goals. 

I have recently encountered challenges in securing favorable financing options and business partnerships due to negative account XXXX XXXX XXXX account XXXX that appears on my credit report. This account has a significant negative impact on my credit score, impairing my ability to access the financial resources necessary for business growth and development. 

Understanding the crucial role the Consumer Financial Protection Bureau plays in safeguarding consumer rights and promoting fair lending practices, I kindly request your intervention and assistance in addressing this matter. I believe that the presence of this account is inaccurate and unjust. 

I have made diligent efforts to rectify this situation on my own by disputing this account with the credit reporting agencies. However, the response received thus far has been insufficient, leaving me with limited options to effectively resolve this issue. I humbly request your intervention to ensure a fair and accurate representation of my creditworthiness, thereby enabling me to pursue my entrepreneurial endeavors without undue obstacles. 

Enclosed with this letter, please find copies of my credit reports where the disputed account is clearly visible. I trust that this evidence will aid in your assessment of the situation and assist you in facilitating a resolution. 

I kindly ask that you undertake a thorough investigation into this matter, ensuring that my credit report accurately reflects my creditworthiness as I strive to expand my business. Your assistance in removing this account from my credit report will significantly enhance my chances of accessing the necessary financial resources to propel my entrepreneurial journey. 

I am truly grateful for your attention and support in this endeavor. I eagerly anticipate a favorable resolution that will positively impact my ability to grow and contribute to the economic prosperity of my community. If there are any further details or information required from my end, please do not hesitate to contact me at your earliest convenience. 

Thank you for your time, consideration, and dedication to consumer protection. I greatly appreciate your commitment to ensuring fairness and accuracy in credit reporting. 

Yours faithfully, XXXX XXXX
Product: Credit card or prepaid card

I submitted a request for a credit line increase and was denied credit based on information contented and/or reported by the credit bureau agency 's. Capital One reported the base for my ineligibility is a composite of information obtained from my credit file. 

I have previously made an attempt to collect the following information from Capital One regarding the specific reason for my denial and response for ineligible and requested they provide me with the source of the information so that I may review the information contained in my files. 

I believe the denial is based on discriminatory reasons and further request which federal agency to file a complaint with based on this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7500.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XX/XX/XXXX, a collection agency representing XXXX XXXXXXXX XXXX placed a judgement against me for {$3100.00} plus interest. XX/XX/XXXX, they garnished my wages for this debt from a job I had to leave in XXXX. I hadn't heard from them again until today when I got a summons to appear in court XX/XX/XXXX, for this same debt. They are placing a lien on my property. The parties involved currently are Gamache & Meyers, PC Attorneys At Law XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( no further info provided ) I have never been able to afford an attorney to help me with this. I can't do so now. This is NOT my debt. I did NOT have this credit card. I tried for years previously on my own to get a contract or proof I owed this debt, and they've never given me anything. This has to be some kind of fraud or identity theft.