23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally request the removal of a charge-off entry from my credit report. I understand that this account XXXX XXXX XXXX Opened XXXX XXXX, 2018 Balance : XXXX and subsequently reported to your bureau. 

I have taken significant steps to address and rectify the financial difficulties that led to the charge-off, and I would like to kindly request your assistance in removing this derogatory entry from my credit report. 

I acknowledge the financial challenges that led to the charge-off, and I take full responsibility for the situation. However, I believe that the circumstances surrounding this charge-off do not accurately reflect my current financial standing. 

I kindly request that you investigate and verify the details of this charge-off. If it is found to be inaccurate or incomplete, I request its immediate removal from my credit report. I am committed to rebuilding my credit and maintaining a positive financial profile. 

I understand that the reporting of accurate and up-to-date information is crucial for the integrity of credit reports, and I appreciate your attention to this matter. Please inform me of the results of your investigation and the steps taken to update my credit report. I am asking for your assistance to remove this charge off account in my credit file : XXXX XXXX XXXX Opened XXXX XXXX, 2018 Balance : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with an account and inquiries which are fraudulent
Product: Student loan

I am under the PSLF loan program. I have been since the programs inception in XXXX. I went back to school on XXXX, so under the old program I was told I would have to start over with payments which I did in XXXX. 

Every year, I am expected to fill out a certification form verifying that I work for a public non-profit agency. I do this every year as I have worked for different public school districts over the years. 

Recently, XXXX XXXX passed a law that previous payments before you went back to school count. But even before this, Fed loan is missing many years of payments even though I faxed in the forms multiple times. There are at least XXXX payments missing even before my XXXX payments would even be considered. 

I have tried calling and having been on hold for over XXXX hours I am told my payments are in process. Then I get an email showing what payments have counted, only to find several school districts missing that I have faxed them forms for. 

As an educator, I don't have time to call and be on hold. I have now faxrd some of these forms XXXX or XXXX times to no response. 

I can send the forms to you that are missing if you request it. It was XXXX districts over a span of 9 years. 

I appreciate your assistance.
Product: Money transfer, virtual currency, or money service

At Bank of America my Intellectual Property unprotected where XXXX Wire Transfer of amount XXXX XXXX XXXX XXXX XXXX thousands usd. XXXX  code in XXXX was on a way way less type amount XXXX which is at federal court where i sued these participants. At federal reserve bank even the documents that they receive of Escrow Account may not been an Escrow account. I was told I had to send money through money gram an XXXX XXXX to XXXX to different receivers some in XXXX I even won back {$14.00}, XXXX from these transactions which United states vs XXXX XXXX i got back this year XXXX. At bank of America the Bank Representative drew red flag 1 2 an alligator and swamp water upon this close account but was open during the input of wire, the consumer protection went out to investigate why the bank got the XXXX in recieve mode but not the documents of money but it show green of the wire. The bank representative also had me call back also all our calls should be redeemable from XXXX to after even that year not many calls. Even the agent who had documents and deprived me of actual money they commit fraud which other Crime happen to where the person was in XXXX XXXX bank where he Destroyed Important Papers the year XXXX and this was on world news and he was there not under is Goverment name he was under another id.So he went on planes to XXXX without his real id of usa federal prosecutor.
Product: Credit card or prepaid card

For many smooth years, I paid {$300.00} on the XXXX of every month to XXXX for my XXXX credit card using autopay from my credit union account. Then the process fell apart when Marcus Goldman Sachs recently bought the XXXX XXXX credit card XXXX. I carry a balance on my XXXX credit card which transferred from XXXX to Marcus in XXXX, XXXX 

Since Marcus took over, it has been a continuous nightmare because Marcus takes autopay deductions but fails to credit my account, e.g., Marcus took {$300.00} on XXXX, another {$300.00} again on XXXX, {$300.00} on XXXX, {$40.00} on XXXX and {$20.00} on XXXX. The lesser amounts are a complete mystery. 

Oddly, I did receive a {$300.00} refund on XXXX so someone at Marcus must have recognized the double autopay in XXXX was wrong but nothing else was corrected. 

Since XXXX I have called Marcus customer service but not received help. Eventually, Marcus filed a dispute to do an internal investigation which resulted in an email notifying me they were unable to locate my XXXX payments. No follow up, no offer of help. 

I restated my case at least 12 times on at least five different days to Marcus customer service reps and supervisors. My credit unions customer service rep has joined two separate hour long phone calls with me to Marcus but to no avail. One Marcus rep who couldnt take an electronic upload suggested I send my proof=checking statements via regular mail to To Whom It May Concern at their XXXX branch XXXX I even did this but no response. 

On XX/XX/2022 I filed a complaint against Marcus with the XXXX XXXX XXXX XXXX XXXX  ). This was the only way I got a response from Marcus. Mediated by XXXX, I got a partial refund from Marcus equal to interest and late fees all erroneously charged because Marcus failed to credit my payments. Marcus still owes me the {$660.00} principal which they autodebited from my checking account but did not credit to me on XXXX, XXXX, XXXX and XXXX as detailed above. To protect myself, I had to close my checking account to get the Marcus autodebits to stop!!!!!. 

The last communication from Marcus in XXXX through XXXX instructed me to file a dispute with Marcus through my credit union for the {$660.00} which I did. At that point, XXXX  emailed me : " While we regret we were unable to reach your desired resolution, the business has provided XXXX  with its position. '' Then XXXX closed the complaint! I am grateful for the XXXX  but looking for Consumer Financial Protection Bureau to finish what the XXXX could not. 

In XXXX I got voicemails from a Marcus manager who was " looking into it '' but no number to return the call! I still do not have the refund of {$660.00} or any way to know it is in process. Seriously? Marcus has no alternate expedited way to rectify their mistakes which date back to March but to use ( from my point of view ) an untraceable dispute process which leaves me waiting in the dark in XXXX?
Product: Payday loan, title loan, personal loan, or advance loan

Consumer Financial Protection Bureau ( CFPB ) Complaint Date : XX/XX/XXXX Subject : Formal Complaint Regarding Title Release Process from Chase Auto XXXX : XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint against Chase Auto regarding the prolonged delay and lack of resolution in releasing the title for my vehicle after I paid off my lease in XX/XX/XXXX. The process has been extremely frustrating, and despite repeated attempts to resolve the issue, I have not received the title and have not been provided a clear explanation for the delay. 

Details of the Situation : Vehicle Purchase and Lease : I leased a vehicle through Chase Auto in XX/XX/XXXX. In XXXX, I moved to XXXX and paid off the car in full in XX/XX/XXXX. 

Ongoing Delays : Since paying off the car, I have contacted Chase Auto multiple times to inquire about the status of my title release. Each time, I was told to wait XXXX weeks, but the issue has never been resolved. 

Conflicting Information : Throughout the process, I have been told that Chase Auto is waiting for a response from XXXX XXXX XXXX XXXX and that this is the reason for the delay. However, after contacting the XXXX XXXX XXXX department directly, I was informed that this claim is inaccurate. According to the XXXX department, the issue has not been with them. 

Contact with XXXX XXXX XXXX XXXX XXXX I took the initiative to contact the XXXX XXXX XXXX XXXXXXXX on my own. They confirmed that Chase Bank contacted them on XX/XX/XXXX for assistance in issuing the title. However, they failed to follow the required procedures and submit the necessary application via email, as required by the XXXX department to process the title. 

Failure to Follow Procedures : I was further informed by the XXXX  XXXX XXXX department that Chase Auto did not take the appropriate steps to complete the title release process and only contacted them again on XX/XX/XXXX. This delay occurred after I personally requested that Chase Auto email the correct department.

Request for Resolution : This situation has caused unnecessary frustration and inconvenience. I am requesting the CFPB 's assistance in ensuring that Chase Auto follows through with their responsibilities and expedites the title release process. It is unfair that I have been subjected to endless delays and conflicting information. I would appreciate immediate action to resolve this matter and release the title to me. 

Please let me know if further information or documentation is needed to support my complaint. 

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

Sincerely,
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer Please remove the following items from my credit report, immediately 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

Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX To Whom It May Concern : I am writing to complain about the illegal repo, improper reporting of credit, and other violations of the law that I have experienced at the hands of [ name of finance company ]. 

On [ date ], my car was illegally repossessed by [ name of finance company ]. I had made all of my payments on time and in full, and I had not violated any terms of my loan agreement. I contacted [ name of finance company ] to inquire about the repo, and I was told that it was because I had missed a payment. However, I had not missed any payments. 

I disputed the repo with [ name of finance company ], but they refused to return my car. I then filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). The CFPB investigated my complaint and found that XXXX XXXX had violated the law by illegally repossessing my car. 

In addition to the illegal repo, XXXX has also improperly reported my credit. They have reported that I have made late payments on my loan, when in fact I have made all of my payments on time and in full. This inaccurate reporting has damaged my credit score and made it difficult for me to obtain loans and other forms of credit. 

I am also concerned about the predatory lending practices that XXXX has used. They have charged me high interest rates and fees, and they have made it difficult for me to understand the terms of my loan agreement. 
False advertising Deceptive practices Unfair and abusive lending practices In XXXX, the CFPB issued a consent order to XXXX XXXX requiring the company to pay {$1.00} XXXX in consumer redress and to make changes to its business practices. The order found that XXXX XXXX had engaged in a number of unfair and deceptive practices, including : Making false and misleading statements about its products and services Charging excessive fees Failing to provide consumers with accurate information about their loans The FTC has also filed a lawsuit against XXXX XXXX alleging that the company violated the Truth in Lending Act and the Fair Debt Collection Practices Act. The lawsuit alleges that XXXX XXXX made false and misleading statements about its loans, and that it harassed and threatened consumers who were unable to repay their loans.
Product: Credit reporting

I have been disputing incorrect information on my XXXX & Trans Union credit report but they are unwilling to allow me to dispute their " investigation results ''. The creditors are XXXX XXXX and XXXX XXXX XXXX. The report reflects late payments and the information is inaccurate. Both creditors have agreed to have the items corrected on all XXXX credit bureaus but only XXXX made the correction.
Product: Credit card or prepaid card

I canceled my XXXX account in XXXX XXXX acknowledged that they had previously overcharged, said they closed my account, and would send me a check for the credit. Instead, XXXX did not cancel the account, continued to bill me, used up the credit, then started charging me. I made several attempts to cancel, but XXXX continued. Finally an agent found XXXX XXXX, requested a refund, said she canceled the account. However, I continue to be billed, my account was not canceled, and XXXX refuted my refund requests to Citi. Citi accepted XXXX refute and charges my account. Citi did the same thing to a previous cancelations of my XXXX account, in spite of my sending documentation from the provider that I canceled my account. I think Citi defaults to denials in favor of the merchant so Citi retains commissions.
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. 


Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I recently had my credit pulled and noticed that this account was still on my credit report. I know for a fact they are reporting inaccruate information and I even filed a complaint with the attorney general in texas which as ignored and a BBB complaint. I looked up more information about this account and noticed that they are reporting inaccurate information and are not compliant with XXXX XXXX reporting. This account should not be on my credit and the biggest thing is that the late report date is XXXX 2013 when I have disputed it several times after that which means nothing was ever done or investigated.
Product: Vehicle loan or lease

On XX/XX/2023 I purchased a new XXXX at XXXX XXXX in XXXX Florida. I was told by the finance XXXX XXXX XXXX that my new car payment was {$680.00} a month. He also said the vehicle " came with warranty up to XXXX miles, GAP and scheduled maintenance all included '. We then proceeded to sign on a digital screen again repeating that my payment was {$680.00} with all those included benefits. At the end he hands me my document folded and packed into a medium sized orange envelope. Few days later at home I unpacked the documents to create a file and saw my copies of the contract. In it I saw a payment of {$870.00} dollars and an itemized description of all the " included benefits '' he described with dollar premiums on the contract. I was in shock and in research realized that those products were optional and i was never told. I immediately called XXXX XXXX and asked for an explanation and demanded that the deal be rescinded. His answer was that my reaction was typical and that I could trade out of the vehicle in 6 months. As a single mother I really feel that I was taken advantage of for trusting what I thought to be a reputable dealer. I have limited to no resources and can barely afford this. I would have never agreed to a payment of {$870.00}. I sincerely feel that as a woman I was taken advantage of in more than one way. I don't even have the means to afford legal counsel in order to assist in fixing what I think this is. This person is trying to get away with fraudulent and malicious intent. The dealer is XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX Florida XXXX. Phone number is XXXX XXXX or XXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX, a series of fraudulent charges occurred on my bank account. I was out of the country during this time and even provided my passport, itinerary/receipt of travel documentation, entry visa scan from my passport, etc as evidence of my whereabouts and how it would make it physically IMPOSSIBLE for me to have these sorts of charges. Discover bank is denying a series of these charges, yet provided credit for another charge in the SAME EXACT fraud case due to it being, " consistent with my spending. '' The thing is- I have provided proof that it is LITERALLY IMPOSSIBLE for me to even make these charges. They have claimed that I gave a verbal confirmation over the phone about these charges, yet unless I was mistaken about the charges that they were referencing, it is literally impossible for that to have been me since I was on a flight to XXXX and then from XXXX to XXXX. Regardless of any sort of conversation that may have happened over the phone, where it is a possibility that I may have been mistaken about what was being referenced in the call, it was literally impossible for me to be in California to be making those charges at that time. I even provided a statement signed and dated by myself saying I did not make those charges nor did I approve anybody else to.
Product: Debt collection

I am submitting a formal complaint against American Express Arbitration : I opt out of all arbitration clauses linked to my account.

Security Interest : I rescind all security interests tied to my account.

Notice : This serves as formal notice of the above requests. 

I expect these terms to be adjusted respecting my consumer rights. Please acknowledge receipt and advise on next steps. 

Thank you,
Product: Student loan

( 1 ) Navient did not apply the recent payments of {$680.00} of the page 2 of Pre-Lawsuit Letter-Attachment and created a fraudulent statement on page 3 of Pre-Lawsuit Attachment with late fees. See Pre-Lawsuit Letter-Attachment. 

( 2 ) In spite of previous five ( 5 ) requests, Navient refused to provide any accounting details how my payments applied after XX/XX/XXXX. 

( 3 ) In spite of previous five ( 5 ) requests, Navient refused to correct balance of student loan, as reported to all credit bureaus. 

( 4 ) In spite of previous five ( 5 ) requests, Navient refused to provide all texts of my phone authorizations to Navient, since XX/XX/XXXX. 

( 5 ) Navient refused to provide legal documents for its Legal Standing to collect payment of my student loan, in view of securitization and resecuritization of student loans. 

If all five ( 5 ) items are not provided by Navient on or before XX/XX/XXXX, I will be forced to file a lawsuit in Federal Court in Central District of California ( CDL ), XXXX XXXX on or before Wednesday XX/XX/XXXX seeking all damages under the law and attorney 's fees against Navient.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I noticed a derogatory on my credit report from XXXX. I have tried disputing this inaccurate information multiple times with collection agencies but nothing have been done. I am writing this dispute certain information on my credit report as provided by your Transunion, which I believe violates the fair credit reporting act ( FCRA ) under 15 USC 1681 ( 2 ) ( a ) ( i ). The inaccurate information pertains to an outstanding balance that does not belong to me, such as inaccurate balance on an close account. I am requesting that you investigate these inaccurate and remove the dispute information from my credit report in accordance with the provisions of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018, I made a settlement offer with XXXX for three payments of {$2600.00} each. This should have satisfied my account in full, even though it was settled. Accordingly, I need XXXX XXXX to finalize my credit report to show XXXX balance, settled.