23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I leased a Chrysler Town and Country with financing through Chrysler Capital. I returned the vehicle XXXX XXXX, XXXX with 4 lease payments remaining totaling about {$1300.00}. Upon turning in my vehicle I was told I would be responsible for paying the remainder of the lease payments and that I 'd be receiving a bill. A few months later I received a bill dated XXXX XXXX, XXXX in the amount of {$27000.00}. I called and spoke with customer service who said the amount was wrong and they 'd send another bill. The next bill stated they disposed of my vehicle on XXXX XXXX, XXXX and I owed {$2600.00}. I called again, and the next bill they sent had a vehicle disposal date of XXXX/XXXX/XXXX and an amount of {$2800.00}. The next bill I received was via email and had a vehicle disposal date of XXXX/XXXX/XXXX and an amount of {$2300.00}. Most recently I received a bill saying my vehicle was disposed of on XXXX/XXXX/XXXX and I owe {$2300.00}. There is also a discrepancy in the final odometer reading among the bills as well. During the last year I have received numerous calls from Chrysler Capital trying to collect on this bill, but due to the lack of accuracy in their record keeping I have not made a payment. I was told the amount I owe is not my remaining lease payments, but instead it is the adjusted lease balance less the realized value, meaning they sold my car for less than it was worth and that I owe the difference. I started keeping a log of all communication with Chrysler Capital XX/XX/XXXX because the amount of calls were excessive and unproductive, no one was able to give me accurate information. Many times I was receive calls and they 'd hang up when I answered the phone or it 'd only ring once and hang up. Since XX/XX/XXXX ( in 8 months ) I have received 25 phone calls, 8 of which were hang ups, and one email. I filed a complaint with " XXXX from the Office of the President '' which did n't actually solve the problem or stop the constant phone calls, and she no longer returns my emails or calls.
Product: Mortgage

On XX/XX/XXXX, I received a letter from Dovenmuehle Mortgage informing me that I am owed funds related to a previous mortgage from XXXX. Despite holding my money for XXXX years, they are now delaying the payment. 

The letter instructed me to submit a signed response in order to claim the funds, or else the money would be sent to the state as unclaimed property. I promptly complied, sending my response via both fax and postal mail, as requested. Despite following their instructions, Dovenmuehle Mortgage is now refusing to pay me the amount owed. 

Throughout my mortgage, I was required to make timely payments, yet they are XXXX years late in returning my funds. I believe this is unacceptable, and I request assistance to resolve this matter and receive the payment that is rightfully owed to me. 

Thank you for your attention to this issue.
Product: Credit reporting or other personal consumer reports

( Account # XXXX ), was charged off on the ( XXXXXXXX XXXX ). Since then the account has repeatedly continued to update as charge off every month which is an update in payment history. A charge off shouldnt include an active payment history. This false information manipulates the statute of limitations. You failed to investigate this information properly and your neglect has violated my rights. Am demanding a deletion of the following account. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that is not 100 % accurate. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately.
Product: Debt collection

A man by the name of XXXX XXXX XXXX was granted a default judgement against me for a XXXX XXXX that I never took out. The person who did take it out is dead, is not related to me and has no ties to my family. XXXX XXXX has been trying to sue me for 10 years but was never successful because I was always able to intercept the summons. This time he didnt serve me and I was unaware of the court hearing and now subsequent default judgement against me that has ruined my credit.
Product: Debt collection

XX/XX/XXXX I found that I was unable to make my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX payments. My debt was in collection for 1 year with XXXX XXXX XXXX. I thought that I was in a position to settle the debt with XXXX  XXXX but things didn't work out and XXXX  XXXX resold the debt to Portfolio Recovery Associates XX/XX/XXXX. When disputing this account with XXXX, XXXX and XXXX the account isn't removed because the information they provide shows that I still have another year to be punished even though it has been over 7 years.
Product: Credit reporting or other personal consumer reports

Companys reported to my credit without permission thats fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a report with XXXX, XXXX, and Equifax of inaccurate items being reported on my credit reports. XXXX, XXXX, and Equifax have not removed the mentioned items on the FTC Report. Once an FTC Report and documents to verify my identity were sent. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Credit card

I have XXXX credit cards with Capital One. 
I have always been given a credit line increase every six months for the past 4 years or so. 
This month I should have been given a credit line increase on XXXX of my cards. 
They denied me of any increase. They were extremely vague about the reason, they only said that you have to make a higher payment. No one in their office can justify this at all. 
And they said that I can not talk to anyone in that department that authorizes credit line increases. They have no idea how much of a payment that I should make. They have never done this before to me, ever. I want a credit line increase now. They should not be allowed to treat customers so unfairly, and have no contact for us to speak to.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a dispute letter was sent on my behalf to XXXX, and the three major credit bureaus XXXX XXXX Equifax, XXXX XXXX  with the intention of opening an investigation hoping to be provided with some form of written agreement stating that this account in fact belongs to me. As this account opened in XXXX of 2014 with a credit limit unknown, appears on my credit file as a charge-off. I have no knowledge of this account, and after the conclusion of the investigation no proof was provided to me proving otherwise although my account has been updated. It is my understanding that if proof can not be provided, the account should not and can not be reported according to the law on my credit file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Information in Credit Report Dear XXXX, I am writing to dispute the following inaccurate information that appears on my credit report prepared by your agency. Under 15 U.S.C. 1681o, I am entitled to seek civil liability for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ).

The information in question is as follows : - account name, account number, dates.

This information is incorrect because my identity was stolen and there is false information being reported 1. Clear Statement of Identity Theft : - " I am writing to inform you that my identity was stolen, and as a result, there is false information on my credit report.

2. " The following information on my credit report is incorrect : list the incorrect name, incorrect address, and the amount I have accrued and not the impersonator amount.

3. I lived with someone, and they used all my information. I believe this false information was added to my credit report due to fraudulent activity by the person who stole my identity. 
I request that you investigate this matter, remove the incorrect information from my credit report, and provide me with a written confirmation of the corrections. 
Please contact me at XXXX & XXXX if you need any further information or documentation to resolve this issue, feel free to contact me. 
please investigate and correct your credit report. 

o Negligent Noncompliance : This section establishes that any person who is negligent in failing to comply with any requirement imposed under the FCRA with respect to concerning any consumer is liable to that consumer.

o Damages : The consumer can recover actual damages sustained as a result of the failure. - Attorney 's Fees : In the case of any successful action to enforce any liability under this section, the consumer can also recover the costs of the action together with reasonable attorney 's fees as determined by the court.

Attached to this letter, you will find copies of my passport, social security card, and utility bill that support my claim.

I request that you investigate this matter, correct the inaccurate information, and provide me with a written confirmation of the correction. Once the inaccuracies have been resolved, please also provide me with an updated copy of my credit report. 
As per the FCRA, you must complete your investigation within XXXX days of receiving this letter. Failure to comply with the fcras requirements may result in legal action to seek damages for negligent noncompliance.

In summary, 15 U.S.C. 1681o provides consumers with the right to seek compensation if they suffer damages due to a company 's negligent failure to comply with the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

My husband and I have had a Wells Fargo Equity Line for {$35000.00} that we got XX/XX/XXXX. We mostly only paid the interest and racked up to {$35000.00} on it. It is past the 10 years and it was closed XX/XX/XXXX when we tried to refinance our home with Wells Fargo but that loan was denied by them. We still have been making interest payments with a annual financial rate of 6.35 % along with credit insurance. Due to limited funds, it is hard to make payments more than that. We recently talked with Wells Fargo trying to refinance and open another line of equity credit for the balance of {$34000.00} because that was the only way to lower the interest and change the time frame of the loan from 30 to 10/15 years. We were denied due to lack of liquid assets. Please help with verbiage in talking with Wells Fargo and what other options we have to get this loan paid off. Please let us now if you have other questions and advice. We currently have our Home Mortgage with XXXX XXXX XXXX.
Product: Credit card or prepaid card

For several months now ( since XXXX 2016 - current month ) every 90 days I have received a letter in the mail from Chase Bank, informing me that my application for the Amazon.com Visa Signature card has been denied. I have Never once applied for this credit card. I saw these inquiries on my XXXX credit bureau report and have filed a complaint to XXXX to remove these credit inquiries from my credit report as well as placed a Fraud Alert on my accounts in case they try to apply for this card again. After calling Amazon about this issue, they told me to call Chase bank. I have spoken to Chase bank twice now, once on my own and most recently through a Chase banker inside the bank and they told me to contact XXXX. Today I finally got a live agent from XXXX on the phone and they would not help me until I gave them my SSN, address, and birthday. They said they ca n't do anything about the applications under my name aside from trying to remove the inquiries and I just have to depend on the Fraud Alert to call me if someone tries to open that card under my name again. I asked the agent if there was anything else they can do to help me find out who or where this identity theft was applying for the Amazon Visa Signature card from, and they told me to contact Chase Bank. Like I said above, Chase Bank could not help me. Hopefully the inquiries under my name stop but I wish there was more Chase, Amazon, or XXXX can do to help me protect and restore my identity.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 
As you are aware, I have submitted the necessary documentation to the Federal Trade Commission ( FTC ) regarding these fraudulent accounts. Following this submission, XXXX and XXXX promptly removed these accounts from their records. 

I have also contacted the companies associated with these accounts directly, and they have confirmed the removal of the accounts from their records. Thus, I am perplexed as to why these accounts continue to be reported by your bureau. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I received a text message welcoming me to Capital One with a link to start an auto loan application. The full text is below : " Welcome to Capital One! Get your new auto loan rolling at https : //capital.oneXXXX You may receive more texts with timely info about your account. Msg & data rates may apply. Reply HELP to contact us ; STOP to opt out. '' I've never had an account or loan product through Capital One, and the enrollment link looked fishy so I did a quick internet search and it appeared to be legit. I went to www.capitalone.com to get their contact info as I didn't want to click any links in the text just to be sure. 

I went through the automated prompts and finally got to a representative in fraud. The individual asked me for my account number. After I advised I had no account number and it appears someone opened an account with my info fraudulently, she again asked for my account number. I asked to speak to a supervisor. She put me on hold and came back on the line and said she needed my account number. I advised again that this was fraud if an account was opened so I didn't have an account number. She said she could not help me because I wasn't in the system. At this point the only information she had attempted to gather from me was my first and last name ( with no spelling or anything ), asked for the best contact number for me, and my account number ( which again, is non-existent to me ). I made a comment that she hadn't even asked me for any information to attempt to locate me which she then asked for my social security number. I was uncomfortable at this point providing that information so I again asked to speak to a supervisor. I was placed on hold a second time and when the representative came back on the line she did a warm transfer to a " colleague '' to assist. This individual advised immediately that she could not assist me without an account number. I asked if this was the fraud department and she verified yes. I asked how the fraud department could not help with a potentially fraud account being opened and she said she never said she couldn't assist me. I asked to speak to someone else and she said she couldn't do that. I advised the representative that I would be filing a CFPB complaint. The representative quipped back that she would also be filing a complaint against me and asked if I wanted the confirmation number. 

This phone number was taken directly from capitalone.com and is XXXX. 

I just want to verify no account was opened or loan taken out in my name/with my information. I pulled one of my credit reports from XXXX ( XXXX ) but I know it may take some time for new accounts to be reported, and deposit accounts don't appear at all.
Product: Mortgage

I have a mortgage and escrow account with Nationstar Mortgage. This month they took an additional amount from my checking account. After the fact they sent me a letter saying my payment was changing due to changes in my Escrow impound account. I reviewed the escrow analysis and everything was incorrect. They had the amounts incorrect and they also had the dates payments were due as incorrect. I was able to fix the amounts but they still have incorrect dates as to when payments are due and this is causing a shortage in my account and they want additional money.     I have called them numerous times and sent them documentation as to the correct dates my payments are due. I even had a conference call with them and the  XXXX  (  XXXX   XXXX  ) tax office to confirm amounts and dates due.      My county  taxes are due on  XXXX  but they have the payment date as  XX/XX/XXXX    My property taxes are due   XXXX   and they have the payment date as  XX/XX/XXXX      This really impacts my cash flow as they want the money in the account by   XX/XX/XXXX / XX/XX/XXXX   when the bills are not due until   XX/XX/XXXX / XX/XX/XXXX .  Last year they had the correct dates.
Product: Money transfer, virtual currency, or money service

I purchased a software program from the company XXXX XXXX XXXX XXXX XXXX XXXX  and paid {$89.00} which was processed through PayPal. A license code accompanied the purchase receipt. The vendor is listed as XXXX XXXX XXXX. 
However, the license code provided did not function and the software rejected it as " NOT VALID - Error code XXXX '' I called the software company who told me it seemed that the vendor that sold me the software was selliing pirated programs. 
I then emailed XXXX company - twice - and received no response. 
On XX/XX/2023 I filed a complaint with PayPal XXXX agent " XXXX '' # XXXX ; subsequently received an email with Case ID XXXX. However, this case ID never appeared on my PayPal webpage and I had no way to access the complaint. 
I telephoned again on XX/XX/XXXX, spoke with male agent " XXXX '' who looked the charge noting that it was {$89.00}, then disconected the phone call. 
I telephoned a third time and spoke with male agent " : XXXX '' # XXXX who eventually said he cancelled the transaction and that I would get a refund by XXXX XXXX. 
However, XXXX also told me that the vendor would not be suspended and that nothing would currently be done with the issue that XXXX was hosting a vendor that was offering fraudulent software.
Product: Debt collection

On XX/XX/XXXX, XXXX est I was called by PayPal Smart connect Synchrony Bank in an attempt to collect a debt. The person said I was in collections for {$230.00} past due. I said no- thats not possible I am enrolled in a payment plan for {$140.00} a month. Its due XX/XX/XXXX. He then hung up and I called back, at XXXX am after logging in and verifying I was not behind. 

The next person told me when I entered into the payment plan I had an {$86.00} payment not paid so that collections would continue to call and remind me. I asked to speak to a supervisor- XXXX XXXX XXXX. She was extremely rude and obnoxious- telling me my last payment was made XX/XX/XXXX and I would be called because no payment had been made within 30 days and my payment due day is not XX/XX/XXXX as my bill states but 30 days after my last payment. I explained I pay over the {$140.00}, and make payments frequently throughout the month, but the minimum due is always paid before the due date. 
She continued to argue with me for the 31 minute phone call stating my due date is 30 days from my last payment, the account would be put into collections and I would be mailed correspondence and no longer called. I said this is harassment to keep calling me before my due date. She insisted I was {$580.00} behind even though that is not what my account is reporting.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, a friend transferred {$250.00} ( USD ) to my paypal account from her XXXX XXXX Visa Debit Card for a private event. She paid a {$7.00} transaction fee, totaling {$250.00}. 


When I logged in to Paypal, it showed my currency as Euro, even though I am not now nor have I ever been a citizen of the XXXX or lived in XXXX. I have always been an American citizen and have always banked with U.S. based financial institutions. My linked accounts in PayPal has remained the same U.S. based financial institution. 


My PayPal account shows XXXX Euro were transferred in this transaction, which converts to ~ {$240.00} USD, a {$10.00} difference of what was actually sent. There is no explanation on the {$10.00} discrepancy. So I contacted support to find out why Euros were showing in my account, if they could correct this and to correct the {$10.00} discrepancy. 


My fist contact to support was on XX/XX/2019 through their message center. A series of messages were sent in which multiple representatives were involved and were providing inconsistent and largely incorrect information on how to resolve this. It was clear a phone call would be necessary. On XX/XX/2019, I called support about my problem, after about 30 mins on hold, my call was disconnected and nothing was resolved. 


On XX/XX/2019, I called support again and spoke with a representative who identified herself as XXXX. On this call, XXXX informed me that the currency was being converted to Euro and a conversion fee was being charged, even though the additional fee was not detailed anywhere in my or the recipient 's transaction. I explained to her that this transaction originated in USD from a U.S. based bank account and was being transferred in USD to another U.S. based bank account, both the sender and recipient are American citizens and we both live in XXXX XXXX, CA. Yet she repeated the same information. When I asked to speak to a supervisor-a request I kept insisting on for about 20 mins, she refused to transfer me over to someone continuously stating they were all occupied and instead instructed me to read PayPal 's terms and conditions ( T & C ). When I asked her to point me to the T & Cs that specifically detailed this situation, she was unable to give a precise location. After being on the call for 40mins, it was clear nothing was getting resolved through support and she would not forward me to a  supervisor, so I got off the phone call. 


Unfortunately, I am now left without a resolution after spending several hours trying to resolve this issue and lack of trust in PayPal 's support infrastructure to resolve this.