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

The leasing company is Chrysler Capital and my lease is about ready to terminate for my XXXX XXXX XXXX. 

With about 60 days to go - I made the decision to sell the car to a dealer if the offer I would receive would leave me with equity in the car. I secured an offer for {$38000.00} well above the ~ {$32000.00} I had left in the lease. As I moved through the process, it was required that that we secure a dealer payoff to provide XXXX with information on what needed to be paid off. Chrysler Capital refused to provide a dealer payoff saying- within 61 days of termination - there is not enough time to process all of that. I thought that was not true. They did offer to provide me with a " Customer Payoff '' which outlined what was left on the lease and the sales taxes of {$2000.00} that would have to be paid to close the lease if I was buying it. 

XXXX ( and every other dealer I talked to including XXXX ) said they would accept the customer payoff but they would have to pay the sales taxes and deduct it from the equity payout to me. That is not fair because Chrysler Capital said - once they are paid the amount from the dealer - there is no refund of the taxes to me even though a dealer bought the car ( which is a tax free transaction ). Given that receiving my equity for the car is basically an option that expires when the lease terminates or 30 days before - I had no choice but to let Chrysler Capital " hold me up '' for the sales taxes of {$2000.00}. 

My ask is that Chrysler Capital refund me the sales tax money because a dealer bought the car - not me. Their policy is not published on any of the statements I get and when do they think people start thinking about lease end ... .six months before? - no 60 days or less. I believe they know that and their beyond 61 day rule for a dealer payoff is a ploy to extract sales taxes as extra profit which should be against the law. Further, Chrysler Capital did reach out to me about lease end options finally in a letter dated 50 days before termination date... so how can do that when one of their options is contingent on a 61 day rule. 

Please take action to have my {$2000.00} returned to me. I am attaching my customer payoff letter, the letter I received from Chrysler Capital ( dated XX/XX/XXXX ) and a statement that verifies my acct and termination date... 

Thank you for your help in advance. 

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

Completed online dispute with the credit reporting agencies on XXXX XXXX, 2017. Currently still showing the disputes are in progress to-date. Below are the accounts that are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX {$1600.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a Consumer Protection Bureau dispute on XX/XX/XXXX under XXXX for XXXX  and XXXX for Transunion. On n=both disputes the findings were that both bureaus were going to update and delete the incorrect addresses off of my credit report. As of XX/XX/XXXX this still has not been completed. I need the following addresses deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX, TN XXXX Transunion - XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Credit card or prepaid card

Today XX/XX/2022, I, XXXX XXXX, was denied an extension of credit by Capital One Bank. I applied for the SavorOne Rewards for Students credit card. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Capital One Bank has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter being sent of the denial is both a proof and evidence that I have been discriminated against, you are also criminally liable. Capital One Bank should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX : XXXX Without prejudice, all natural inalienable rights reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation personal loans CONN APPLIANCES INC FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 already spoken with thecredit union about how the account is being reported. A deliquent account I had from XXXX is being reported twice on my credit report. the account went to judgement i lost and then went to the credit union and made a agreement to pay off the debt. I paid them {$500.00} down toward the amount owed and then made 6 payments of {$150.00} for 6 months. The credit union then closed the account and opened a new account and put the remaining balance there. Its showing both accounts as being charged off in XXXX which is not the case. I went to the bank and they gave me paperwork showing accounts were paid in full. I have made serveral attempts with Experian to have this remove and get the same response. The bank said they reported to have it removed but Experian reports to me that the bank shows proof that the accounts are being reported properly. The bank bascially told me there is nothing else they can do. the bank gave me the receipts for both accounts with XXXX balance
Product: Credit card

In accordance with the Fair Credit Reporting Act. The listed account below has violated my federally protected consumer rights that prohibit creditors and credit reporting agencies from imposing late fees on accounts affected by identity theft under section 15 U.S.C. 168. Loan Payment # XXXX, Digital Credit Union has violated my rights. Section 605B and Section 609 ( e ) state that any resulting late fees should be promptly removed if fraudulent activity occurs on your account due to identity theft. I have the right to dispute inaccurate information on their credit reports, including late fees resulting from unauthorized transactions. ( 5 ) Section States : no consumer report containing reporting agency makes 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

XXXX XXXX XXXX  Balance {$3000.00} XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX Account number XXXX Balance XXXX XXXX Balance {$24000.00} XXXX XXXX Balance {$130.00} 15 U.S.C 1681 section 602 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 account without my written instructions.

15 U.S.C 1681c ( a ) 5 ) Section States : no consumer agency may make any consumer report containing any of the following items of information any other adverse item of infromation, other than records 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 know or has reasonable cause to believe the information is inaccurate.
Product: Student loan

I have 115 qualifying payments out of 120 qualifying payments for PSLF. I sent an employment verification form via XXXX XXXX XXXX XXXX and the document was signed and received XX/XX/2023. The employment verification from XXXX onward has still not processed and my count still shows 115 which is only up until XXXX. I now have many more and am far past the 120 payments for PSLF. This is Mohela. I spoke to Mohela and they said they are waiting on Federal Student Aid Gov. Logging onto my account at Studentaid.gov, none of these counts are reflected and there is no indication of how long processing takes. Studentaid.gov doesnt seem to have any of this information and Im stuck making all these extra payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.
Product: Checking or savings account

Two transactions XXXX for XXXX and XXXX for XXXX were made thru zelle using my bank account on XX/XX/23. I didn't authorize these and someone hacked my account and was controlling my phone. I reported it to bank of america immediately and because i have made other transactions which i authorized before to my daughter they said ot was valid. Bank of america didn't even follow the transaction to the bank it was made too.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention an issue I have identified on my recent credit report obtained from your bureau. After reviewing the report, I noticed that there are late payments inaccurately listed on my credit history. 

I understand the importance of maintaining accurate and up-to-date credit information, and I believe there has been an error in reporting my payment history. Specifically, the late payments listed are not reflective of my actual payment history with the respective creditor. 
XXXX XXXX XXXX XXXX To assist you in resolving this matter, I have attached supporting documentation that demonstrates my timely payments for the mentioned periods. These documents include bank statements, payment receipts, and any other relevant proof of payment.

I kindly request that you investigate and correct the inaccuracies in my credit report at your earliest convenience. It is crucial to me that my credit history accurately reflects my responsible financial behavior and I trust that your bureau will take the necessary steps to rectify this error promptly.

Please inform me of the outcome of your investigation and any actions taken to correct the inaccuracies. Additionally, I would appreciate your guidance on any further steps I may need to take to ensure the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have my credit file frozen at Experian. I both went online and called the number ( and another number in the online page ) to attempt to thaw the freeze for slightly more than two weeks. 
Experian will not thaw a security freeze as stated in the attached letter by phone or online. They require you to mail a treasure trove of identity theft documents ( drivers license, Social Security number, date of birth, credit card account statements, security freeze PIN, and other identification documents ) to a post office box in XXXX, Texas. If that letter were stolen in the mail, an identity thief would have a simple way to steal my identity and accounts. 
Plus it violates the terms of the letter that established my security freeze which provides for a Web address procedure and a telephone number to thaw a freeze. Nothing suggests you have to send identity documents in mass to a P.O. box in Texas which I am sure identity thieves know about and can probably steal mail from dishonest postal employees. 
This is not the way the credit freeze is supposed to work. The bureaus assured the CFPB they would make it easier, not harder and with risk of identity theft, to thaw a credit file. It also flatly violates their own letter which establishes the procedures to easily thaw the freeze. 
Experian is acting in bad faith to make security freezes difficult and dangerous to set up and thaw through the mail-only procedure. There is no legal basis for their doing so and I ask the CFPB to bring an enforcement proceeding against Experian for thus unfair and deceptive trade practice.
Product: Checking or savings account

I'm not enroll in over draft program in my account. 
I'm budgetting well every single month I'm not authorized the bank to make a check on my behalf. 
The paid of {$70.00} was receiving by the bank payment on XXXX XXXX /2025 Bank of America
Product: Debt collection

As of the date XXXX XXXX XXXX XXXX has resent a notification of a debt in the amount of {$3300.00} that I do not owe .According to my priorCFPB complaint ID XXXX and ID XXXX the matter was closed. Also I received a notification XXXX stating a XXXX amount owed. I regard XXXX XXXX Associates latest action as harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was opened in XXXX XXXX it had a credit limit of {$2000.00} and I did not open a credit card with this company. I now have a balance on my report in the amount of {$1100.00} of which is fraudulent. I have reached out to a lawyers office for counsel in this matter. I am hoping that I will be able to handle this matter myself without retaining counsel and this fraudulent information removed from all three credit bureaus. This is impacting my credit badly. I have filed a report with the FTC online about this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance with a matter that has significantly damaged my credit score through unauthorized and repeated credit inquiries made by XXXX XXXX of XXXX XXXX. ( XXXX XXXX XXXX ) On XX/XX/XXXX, I purchased a vehicle from XXXX XXXX . I was informed by my sales representative and finance manager that my financing was finalized ; as a result, I received my paperwork and took possession of the vehicle. Soon after, on XX/XX/XXXX, and over the following weeks, I provided the requested additional documentation ( VIN, insurance details, etc. ) without knowing that my loan approval had never been submitted to XXXX XXXX XXXX. 

Due to multiple errors on the dealerships partincluding misrepresentations regarding financing finalization and repeated, unauthorized credit pullsseveral ( XXXX in total ) credit inquiries were made without my consent. Despite my clear instructions to halt further inquiries ( and my decision to return the vehicle on XX/XX/XXXX ), these inquiries were not stopped. As a result, my credit score has dropped by approximately XXXX points. I have retained all evidence of my communications with the dealership, including emails, text messages, and call recordings that demonstrate : The dealerships misrepresentation that my loan was finalized when, in fact, it was never approved ; My request to stop further credit inquiries ; and The unauthorized re-submission of my credit information despite my efforts to correct the situation. 

This series of events appears to be in violation of the Fair Credit Reporting Act ( FCRA ). Under XXXX U.S.C. XXXXi, credit reporting agencies are obligated to ensure that disputed information is investigated and corrected if inaccurate or unauthorized. Additionally, repeated unauthorized inquiries may be considered a violation of my rights under the FCRA and state consumer protection laws.
Product: Debt collection

I have disputed COMENITYBANK/XXXX for the amount {$6000.00} with all three credit bureaus for 4 months now asking them to validate that the information thats reporting to my credit profile is correct by providing me with a signature of mine or a verbal agreement from me. I havent received any verification as of yet.
Product: Credit card or prepaid card

From XX/XX/2022 - XX/XX/2022 I was fighting for my life battling XXXX and XXXX  XXXX Ive reported these unauthorized charges to chime and they declined my dispute for what reason I have no idea once released from the hospital my home had been broken into while I was hospitalized and my phone cards social security card and all was missing Im not sure who used it but I need my money or I would like to file a law suit
Product: Credit reporting, credit repair services, or other personal consumer reports

i have few thing on report that where done in my name ..i had nothing to go on but put them in my bankruptcy but they still appear it the only thing i knew how to do so after bankruptcy i still see them on report so i tried to dispute but no luck there and i been watching XXXX   and got your contact so im asking please can you help me as well as inquiries that where not mine..
Product: Credit card

I was frauded by a company that claimed to be XXXX XXXX. My fiance dialed what she thought was the airlines, and I talked to them about buying a couple tickets. At the end of the conversation, they said there would be two charges, one for the flight and the other for the taxes. I believed them and game them the credit card. The truth was, it was another company that bought a flight from XXXX XXXX then charged be a fee of over a XXXX dollars to purchase the ticket. I found out that night when I called the true XXXX XXXX to make a change and they told me the true cost of the flights. I called the company bank the next day and asked to cancel the flights and get a refund, but they would hang up on me so that I couldn't cancel the flight. They would not cancel the flight and give me a refund. So I called and notified Bank of America that very night, that it was a fraudulent charge, but they didn't stop it. And after the transaction went through, I disputed it through Bank of America, and they ultimately stated that it was not fraud and that I had to pay the fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX XXXX XXXX XX/XX/2018 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus. XX/XX/XXXX XXXX XXXX and Equifax. has not updated my correct in XXXX count. I have enclosed all dispute documents to all 3 bureaus. XX/XX/XXXX Equifax and XXXX XXXX. I want this documents to be complied with an updated on my credit report.
Product: Credit reporting or other personal consumer reports

This is my 16th 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Keystone Credit Services has put a {$9900.00} XXXX XXXX on my report that is 1000 % not mine! They have continually NOT sent me any info and will refuse to admit that its not mine! This has been going on for months now and needs to end! They are 1000 % in the wrong and needs to be taking off my XXXX credit report!
Product: Student loan

Over the summer after my change over to Nelnet from Great Lakes, I knew I was ready to begin making payments needed on my student loans. After the introduction of the SAVE plan, I submitted an application. From that point, I left pursuit of my graduate education and needed to resubmit to get out of the grace period afforded to me. I'd already previously been placed on the SAVE plan for my undergraduate loans with a payment of {$0.00} but needed to know what it would be with my new income and graduate loans in repayment. I resubmitted in XXXX and have now been put into administrative forbearance which makes me fully liable for the interest accrued on my student loans since XXXX. I asked specifically to be removed from from deferment/forbearance at the time of my application from my REPAYE to SAVE and have now been put back into forbearance which will cause more monetary hardship to my loan balance of XXXX XXXX.
Product: Payday loan, title loan, or personal loan

Netcredit/XXXX XXXX my account was opened XX/XX/2021 account was closed and sold to a collection agency that is not legally licensed or registered in the state of Florida as a debt collector or collection agency. Since Netcredit/XXXX XXXX no longer own this account can they please remove all tradelines from all 3 credit bureaus.