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

I had a XXXX lease for XXXX XXXX XXXX. I opted to do a lease buy-out approximately 2 months before the lease end date, with date of sale recorded on title by Ally Financial as XX/XX/XXXX ( for purposes of assignment of title to me, as the new owner ). 

The lease was through Ally Financial. 

The buy-out was financed through my new financial institution, XXXX XXXX XXXX XXXX XXXX who are the current lienholders. 

Ally Financial was very slow in getting me any of the documentation I needed for the refinancing through XXXX. I had to make several calls to Ally, and got transferred numerous times to make it clear that I needed the documentation for XXXX. 

On XX/XX/XXXX, I made contact with an Ally Financial person who could provide the documentation to release the title ( was sent by email after I hunted it down ). I promptly filled everything out, and sent across successfully to Ally Financial on XX/XX/XXXX. This included the Bill of Sale, and the Odometer statement. On the odometer statement, I recorded the actual on the day, which was XXXX miles. 

I received from XXXX the physical title for my vehicle ( with the previous owner 's and lienholder information ) around XX/XX/XXXX. 

The physical title has a glaring error for the odometer : XXXX miles, which was provided by Ally Financial. The first time I saw this error was after XXXX had received the title from Ally, and it got sent to me. 

I have tried to no avail to correct this with Ally Financial, but was told by them that it was my fault and they gave me the runaround. THEY ARE LYING. XXXX can not help in this matter. It's up to Ally Financial. I believe that XXXX, XXXX was the capped mileage per my previous XXXX contract, and they just lazily wrote that in. They apparently ignored the odometer statement that I dutifully provided them. Now, my car 's value has lost several thousand dollars in today 's market because Ally Financial willfully put the wrong information on my physical title. They were also delayed in providing XXXX with documentation that I needed to file at my local DMV. I went to the DMV today ( XX/XX/XXXX - first appointment I could get over the past few weeks ), and was told that I needed to pay fines in excess of {$100.00} because of the time lapsed between the Date of Sale ( XXXX ) and filing.. My DMVXXXX  XXXX XXXX XXXX only allows 30 days to lapse. This is was all out of my control, and not fair. I have tried to petition XXXX to help me, but they are not able, and say it's all Ally 's issues, and take it up with them. I am unable to resolve with Ally.
Product: Mortgage

Company serving my mortgage is reporting a foreclosure after an approved short-sale was executed and the account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. Until today, over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

This was an auto insurance ( XXXX XXXX ) claim for a car rental ( XXXX XXXX XXXX  ). XXXX XXXX paid {$890.00} of the total claim of {$940.00} difference of {$54.00} ( loss of use ). This amount was excluded due to XXXX XXXX failure to provide the required supporting documentation. XXXX made several attempts to obtain the documentation but to no avail. XXXX months later I received notification from XXXX XXXX of a collection account on my credit report. I was never notified by XXXX or the debt collector of this amount due. No one contacted me by mail or any other means of communication to resolve this outstanding balance. They both failed to exercise due diligence and importantly, I was denied the opportunity to resolve the issue. The debt collector should not be allowed to used credit reporting as a means to collect outstanding debt damaging people 's credit especially over an immaterial amount of {$54.00}. In the end, XXXX XXXX issue payment of {$54.00} to XXXX on XX/XX/2023 without the proper documentation. Therefore, this derogatory dispute must be removed from my credit report. It is not substantiated and is grossly unjust.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Transunion and XXXX Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX ; XXXX XXXX XXXX ; XXXX  XXXX XXXX ; XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Balance Owed : XXXX XXXX  XXXX Balance Owed : {$800.00} XXXX XXXX XXXX Balance Owed XXXX {$900.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$3600.00} XXXX XX/XX/2023 XXXXXXXX XXXX  XXXX XXXX XXXX XXXX : {$100.00} XXXX XXXXXXXX XXXX Balance Owed : {$18000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NO KNOWLEDGE OF THE FOLLOWING INQUIRIES AND HACE FROZEN MY CREDIT FILE ON ALL 3 BUREAS BECAUSE OF THEM. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) .specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

My XXXX account was hacked and someone purchased tickets for {$1000.00} via XXXX ( I'm not sure how this works, but they hacked my XXXX, but XXXX is the charge code on my account ). Because they were able to hack into my full account, the information used to make the purchase was my correct information. The hackers used a tactic where they sent a barrage of thousands of emails to my email address to hide the transaction email from XXXX and XXXX. However, I discovered the email within an hour of the transaction and immediately called Chase to cancel my card, which they did. The customer service rep said they would send the claim to the fraud department and they would get back to me within a few weeks. I called XXXX and XXXX separately to try to cancel the tickets, but neither company would cancel the tickets ( even though I caught this within an hour of purchase ). A few weeks after that, Chase refunded the full amount to my card, and I thought it was settled. However, today ( two months later ) I received a letter from Chase saying they would not accept my fraud claim because I " benefitted '' from the purchase. They're claiming that because the hackers had all my correct information to make the purchase that it's a fair purchase. They hacked into my account, so of course they have the correct information. I called Chase and had them reopen the claim, and I'm attempting to get proof from XXXX and XXXX that I called them in XXXX to report the fraud ( which would've been nice to know I might need that back in XXXX when I was calling them ). But I'm concerned that Chase is not using common sense here. This is a very common crime they must see all the time. The ticketing sites are hacked all the time. I didn't know that my card was saved on my XXXX, but even if I had, it shouldn't have mattered. BECAUSE ( and here 's the real issue with Chase ) the card number saved on my XXXX account that was used to make the fraudulent transaction was a number that was victim to fraud over a year ago. The card was cancelled over a year before this new fraud, yet it was still linking to my new credit card number. This should've been flagged by Chase, which would've avoided the fraud in the first place.
Product: Debt collection

I, XXXX XXXX, consumer, natural person, and the original creditor of an open end credit plan, received a letter in the mail from a debt collector. This is mail fraud pursuant to 18 US Code 1841. I am making this complaint against FINANCIAL CORPORATION OF AMERICA for committing identity theft. I have never given FINANCIAL CORPORATION OF AMERICA any permission to use any of my identifying information to commit fraud by contacting me about an alleged debt they claim I owe them. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal and both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I am also aware that the advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission and reporting this alleged debt to the consumer reporting agency without validating it with I, the consumer, first is a violation of 15 U.S.C. 1692d ( 4 ). I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until FINANCIAL CORPORATION OF AMERICA can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and FINANCIAL CORPORATION OF AMERICA continues its collection efforts, I will file for litigation for actual damages caused and FINANCIAL CORPORATION OF AMERICA will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and collection of extensions of credit by extortionate means. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check issued by my wife ( from a XXXX XXXX XXXX  account ) to my JPMorgan Chase checking account. A day after the deposit, nobody at the local branch could help me clear the funds and referred me to an XXXX number. On XX/XX/XXXX, nobody answered that number and I was prompted to leave a voicemail. On XX/XX/XXXX, I received a call back from XXXX, a Chase rep, not to help me but to write down what my problem was so that it can be submitted for someone else to work on it. Even though the call was being recorded by JPMorgan Chase, I was told I could n't record the call when I advised I wanted to record for my records as well. The Chase rep stated that JPMorgan Chase policy did not allow her to help me if I did n't explicitly stated that I was not recording the call, she also said she would have to hang up the phone and nobody would work on my problem. Expecting this problem would get resolved quicker, I obeyed and did n't record the call. I did advised her that every day without the funds I was incurring losses on investments. On XX/XX/XXXX, XXXX, a Chase Operating Loss Prevention Sr. Specialist, advised that Chase did n't have a way to check if check had been paid by XXXX XXXX XXXX on Consumer Accounts, only Business Accounts. The case was assigned to XXXX at the Chase Consumer Exec Office. XXXX advised funds will be available XX/XX/XXXX. On the deposit receipt, it stated funds were going to be available XX/XX/XXXX!! Today it is XX/XX/XXXX and check funds continue to be on hold. It is very frustrating that consumers have to be at the mercy of the biggest banks of this country, in this case continuing to earn interest on money that 's put on hold for however long they want. Apparently no organization or government agency can hold them accountable for their actions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MIDLAND CREDIT MANAGEMENT INCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX to XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account reporting under Equifax credit reporting agency, I have disputed several times and even with a FTC Affidavit validating the fact that i had been a victim of ID theft, yet they are not being helpful at all ; therefore, have no way of finding out whether or not what the situation is about my disputes and a fraudulent account. The fraudulent account I have disputed with Equifax is XXXX XXXX ( Acct # XXXX ) please assist me in making sure that the Fair Credit Repoting Act Section 605b is upheld by Equifax Inc., A private entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 
XXXX {$610.00} XXXX {$620.00} XXXX XXXXXXXX {$650.00} XXXX {$620.00} XXXX {$610.00} XXXX {$24000.00} XXXX {$480.00} XXXX {$620.00}
Product: Debt collection

FOX COLLECTION CENTER is reporting a medical debt that was paid by my attorney during a settlement with the original debtor. I have tried to get this removed thru the XXXX  dispute center. Fox Collection Center responded that the debt was verified. They did not say how it was verified only verified. I have complaints from others that the Fox collection center goes out to an electronic bulletin board and purchase account without even verifying that these debts are still unpaid.
Product: Credit card

On XX/XX/2024 I received a hard inquiry on my credit report from Bank of America to open an Alaska airline credit card. I did not authorize this and this request was fraudulent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dispute of Late Payments on Credit Report Reference to 15 USC 1666b Dear Consumer Financial Protection Bureau I am writing to formally dispute the late payments listed on my credit report. According to my records and in accordance with the Fair Credit Billing Act, specifically 15 USC 1666b, there appears to be inaccuracies in the reporting of my payment history. 

Transaction Details : Creditor Name : XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Transaction Details : Creditor Name : XXXX  XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Explanation of Dispute : Upon reviewing my credit report, I have identified discrepancies in the reported late payments. I have attached supporting documentation, such as bank statements or payment confirmations, demonstrating that my payments were made on time. As per 15 USC 1666b, I am entitled to a fair and accurate representation of my credit history. I kindly request a thorough investigation into this matter and the prompt correction of any inaccuracies on my credit report. Enclosed are copies of the relevant documents supporting my claim. Please consider this information in your investigation and update my credit report accordingly. I appreciate your prompt attention to this matter. 


Sincerely, XXXX XXXX XXXX
Product: Student loan

The company was very misleading with advertisement and i felt pressured to sign up. As if i was going to miss out on a learning opportunity. They promised endless career opportunities in the medical field and ended up closing for good in 2018 with dozens of lawsuits. I know have a degree that is absolutely useless and debt to pay
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit report I have noticed that I have been a victim of Identity Theft. My identity was used to apply for credit cards. I found multiple credit inquiries on my credit report. Please dispute and remove these fraudulent credit inquiries from my credit report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to a previous complaint filed, case number XXXX, that was closed prior to resolution. I sent a dispute letter to Equifax XX/XX/XXXX. It was sent by certified mail and was received XX/XX/XXXX. According to the results of the investigation, Equifax claims they are unable to proceed with my request because they need additional information which was already supplied. As previously stated, I have already submitted my dispute letter to Equifax on XX/XX/XXXX. My tracking shows my dispute letter was received by your desk/receptionist/mail room on XX/XX/XXXX at XXXX. I will not be resubmitting another dispute letter as the information requested has already been submitted. As of XX/XX/XXXX, the 30 day window allowed to complete my disputes has expired and I would like all accounts that were disputed removed from my credit report. I have attached a copy of the tracking for my dispute letter and a copy of my dispute letter to XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the CFBP regarding fraudulent accounts that have been inaccurately reported on my credit report. These fraudulent accounts are damaging my creditworthiness and financial standing, and I am seeking your assistance them promptly removed. Under the provisions of the Fair Credit Reporting, I am entitled to accurate and up-to-date information on my credit report. It has come to my attention that the following fraudulent accounts have been reported : Account name : XXXX XXXX XXXX account number XXXX Date opened XX/XX/year> I did not open or authorize accounts, and this is the of identity theft or fraudulent activity. I have taken the necessary steps to dispute and remove account with respective creditors, but to no avail. Despite providing evidence of the fraudulent nature of this account, it continue to negatively impact my credit report and financial well being. I am requesting that the Consumer Financial Protection Bureau intervene in this matter and facilitate the removal of this account from my credit report. The CFPB mandates that credit reporting agencies ensure the accuracy and integrity of the information they report, and it is clear that these accounts do not meet that standard. This account must be removed from credit report.
Product: Checking or savings account

First of all, Chime Bank? It's NOT a bank. It's an Internet service so right off the bat, Chime is misleading. 

Attempted 4 times through chime customer support to have this issue resolved, or assisted in any way. I could get no higher than the original agents supervisor, even after several requests for either a superiors phone number or email. I was lied to twice in order for me to get off the phone. The chat agents will not listen to you, state what's obviously obvious ( i.e. if you go to the chat option you can use chat to talk to an agent ). I had two chats ended after I was asked if I had any more questions. I Immediately responded " yes I have a few '' and the agent blew past my comment and said " well if you don't have any more questions I will end the chat now. '' They literally go out of their way to do nothing for you. I hate complaining to support because that person probably doesn't get paid enough to deal with bs all day everyday but I had no other choice! I asked for help, and I got my time wasted, my issue went unresolved, and almost condescending answers from agents. 

My issue? I wanted either one of my mobile deposits to have some of the funds made available 7 hours earlier than expected because it's my birthday. Why am I broke? Because chimes mobile deposit confirmed my original paycheck deposit, and then notified me two days later, when I was expecting my funds, that the check I submitted wasnt accepted due to a shadow. 12 days later my first check arrives via mail along with my second check. Does chime card? Absolutely not. They told me they can not process the check because their system won't let them. Which is the lousiest excuse from a company I've ever heard. I was basically told " Chime can't help you because Chime won't allow Chime agents/supervisors to do or help with anything ever. ''