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

Approximately XXXX XX/XX/2024, I called Chrysler capital inquiring about how early termination of the lease works. Nobody made it clear to me that it was essentially a repossession. We were not struggling to make payments. We were mislead into leasing a XXXX  which lost half its value in the 10 months we had it. It also did not Perform as expected, and was no longer wanted. I was told there was the XXXX termination fee, plus another " administration fee '' of approximately XXXX. I have the exact amount written in a notebook. I asked for confirmation several times that those were all the fees we'd pay to be done with the lease and satisfy the contract. The response was affirmative. The next day, after that call, we turned the XXXX XXXX XXXX into the dealership per standard procedure and chrysler capital instruction. When I called back chrysler to ask how to pay the admin and early termination fees, and was informed suddenly " that's not how it works. You got ta wait for the final bill. A little over a week later, I get a letter showing they're gon na auction it, and I got ta pay more money than I was informed about ( the difference between what they tried to sell it to me for and the realized auction cost. '' It said the auction would be held XX/XX/2024. I called back and asked why they didn't disclose the process and fees correctly. They claimed they did. I said okay, then we will take the vehicle back. This was XXXX XXXXXXXX XXXX " Oh no, that's not possible, it's already been auctioned. '' I asked how this could be when the letter said XXXX XX/XX/2024 would be the auction date? They told me that the vehicle was sold and the title was now listed as " XXXX XXXX XXXX '' which meant they had disposed of the vehicle already. 
Currently, I'm trying to get the executive office to check the recording, and verify they messed up. I'm sure they won't, as nobody investigating themselves are gon na find any evidence of wrongdoing. 

On XXXX XX/XX/2024 I requested a transcript and they said I'd " need a subpoena. ''
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 Westlake Service Inc reported a hard inquiry with all 3 credit bureaus. XXXX, XXXX and XXXX without my consent. I advised them to provide me an agreement between I and them to run my credit and they fail to provide that. I need this inquiry removed from all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 


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

XX/XX/2021 capital XXXX sent inaccurate information there is proof my account was XXXX through bankruptcy and I received my title and dont owe any money they said they would delete from credit bureau I spoke with deep and another rep I cant remember his name the Transunion has been deleted they have broken the bankruptcy law by reporting this amount after being XXXX from bankruptcy and title received I will be filing an complaint also with the attorney general and I have emailed XXXX XXXX XXXX requesting this to be deleted due to reporting inaccurate information ... ... Victoria Secret has provided proof I dont have an account with them
Product: Debt collection

On XX/XX/18, I received an update from XXXX  that a new negative payment had been added to my credit report. Upon investigation, I observed that Penn Credit Corporation had reported an account as unpaid in collection. 
I immediately filed a dispute, indicating that I had never had any written contact from Penn Credit Corporation that I could respond to with written dispute, and to inform that I have never lived in Florida, nor have I ever had any relationship nor ordered nor received any services from the company in question in the underlying account ( XXXX   XXXX XXXX XXXX / XXXX ). 

Although XXXX investigated the dispute, Penn Credit Corporation continued to report the item, despite never contacting me nor providing any written validation of debt from XXXX. 

I continue to dispute this item with XXXX, with Penn Credit Corporation, and with XXXX  XXXX XXXX  XXXX, and will not be held liable nor responsible for this claim. 

This item has made the rounds of several collection companies over the past years, and has been debunked and disputed each time, and will continue to be.
Product: Credit reporting, credit repair services, or other personal consumer reports

This line of credit was opened in XXXX. My card was used by unauthorized persons and I reported to their Frauds division. It took months to investigate but only 30 days to close the account. In XXXX, they sent it to a collections agency, I settled with them but the account still wasn't removed from my credit report. I have disputed this account still showing on my report : three times! And this SETTLED ACCOUNT is still showing on my report. XXXX XXXX claims there was TWO ACCOUNTS : THERE WAS NOT. I had a debit account and they added a line of credit to it. Now, here it is over SEVEN YEARS since the account was closed and WRITTEN OFF. How long can this be reported and why can't Experian remove it after seven years? At one time, I was told XXXX XXXX  would be removed XXXX, XXXX. Yet I recently called and was told ( because it was RE-REPORTED two years ago ), it will stay on my report. IS THIS TRUE? If it is, companies can just keep reporting write offs and keep on credit reports FOREVER!
Product: Credit reporting, credit repair services, or other personal consumer reports

on the date of XX/XX/23 i sent a letter to equifax to request the method of verification that the used to verify this account ; XXXX XXXX XXXX Balance {$970.00} Act # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX | ( XXXX ) XXXX It has been over 30 days and the have responded to my resquest. Please delete this account since they did not honored my request within the time allowed by the law.
Product: Prepaid card

I bought a {$500.00} Incomm Vanilla Visa gift card from supermarket XXXX on XXXX/2024. I tried to use the XXXX gift card on XX/XX/year>2024 and XX/XX/year>2024 at XXXX, gas station, and online, and the XXXX gift card did not work. I called Incomm at XXXX to ask for a refund check of the remaining balance {$500.00}. I emailed Incomm at XXXX with a copy of the front of the card, back of the card, receipt and card packaging, and signed letter requesting a {$500.00} refund check. Refund request number XXXX.
Product: Credit reporting or other personal consumer reports

RE : Formal Complaint Against TransUnion LLC - Violation of 15 U.S. Code 1681i Dear Consumer Financial Protection Bureau ( CFPB ), Thank you for acknowledging my formal complaint against TransUnion LLC in connection with the violation of 15 U.S. Code 1681i.

I have attached the Investigation Results by TransUnion LLC, identified by File Number XXXX, confirming the ( VERIFIED ) status of the information in question.

I am seeking your intervention to ensure compliance with the provisions outlined in 15 U.S. Code 1681i, and your timely cooperation in addressing this matter is greatly appreciated. 

Thank you. 
Sincerely, XXXX, XXXX All Rights Reserved UCC 1-308
Product: Credit card or prepaid card

This is a follow up to complaint # XXXX on credit card # XXXX issued by US Bank, where it was earlier stated and declared CLOSED. The company has failed to clarify the {$82.00} charge and the unresolved mail delays due to COVID with unreasonable fees and charges of {$300.00}. On several occasions I have tried to call a XXXX who had addressed the letter dated XX/XX/2021 but received only on XX/XX/2021. This person had no stated last name considering this is a formal letter with copy furnished to the Consumer Financial Protection Bureau. As stated the letter came from the company 's XXXX XXXX XXXX with a given telephone # XXXX. The answering Customer Service person DOES NOT KNOW OR RECOGNIZE the " XXXX XXXX XXXX '' under the Office of the President '' and I was bounced off to several sections of the bank, This situation has waisted so much of my time and caused me anxiety, raising my XXXX XXXX to medically unacceptable levels. To end this UNFAIR practices of some credit card companies, I am sending a fair 50 % of the fees to permanently close this account. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 RE : Account Number XXXX Dear Professional Debt, I am writing this letter in response to your most recent correspondence related to the account number I referenced in the subject line above. I am considering the possibility of settling this debt. 

I accept no responsibility for ownership of this debit. However, I am willing to compromise. I can offer a significant settlement amount in exchange for the following : 1. You agree, in writing to designate the account as payment in full once you are in receipt of the agreed upon payment amount. The account will not be designated as a. paid collections or settled account.

2. You agree, in writing to completely remove any, and all references to this account from all credit bureaus to which you report. 

However, as I do disagree with the total amount owed. I am willing to pay {$1500.00} as settlement for this debt try but in exchange for your agreement to remove all information regarding this debt from all credit reporting agencies, so would you report within XXXX calendar days of receipt of payment. 

If the above mentioned items can be met, Im willing to make the payment on this debt immediately. When I am in receipt of a signed agreement with the aforementioned terms from an authorized representative on your company letterhead, I will pay XXXX  via check, money order, or a cashiers check. 

Please forward this agreement to the address listed above at your earliest convenience, as I look forward to resolving this matter quickly. 

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

I got scammed last year, where in a person claiming to be from XXXX XXXX ( XXXX ) paid my auto insurance with XXXX, and asked me to transfer a portion of the money ( {$140.00} ) to XXXX by XXXX. I did so from my Chase bank account on XX/XX/2022, but then the payment to XXXX was reversed. I immediately reached out to Chase but was told they couldn't do anything since it was XXXX and the recipient bank did not respond to their request. This communication is attached. 
I also lodged complaint XXXX with the XXXX XXXX Police Department and was directed to file one with the MO State AG XXXX XXXX ) as well.
Product: Money transfer, virtual currency, or money service

XXXX XXXX I deposited a money order for the amount of XXXX XXXX times XXXX different money orders my account was put into the negative XXXX $ I contacted the bank in regards to my account customer service stated I can not deposit money orders into the bank and the money will not be funded to my account that I will have to bring cash and was hung up on upon the call. I then contacted the bank again regarding my transaction and was told their was a hold placed and will not be removed I was again hung up on via phone I am not receiving any service in regards to my money or my account
Product: Credit reporting or other personal consumer reports

Under 15USC 1681 ( a-l ) Everything should fair and accurate, in a timely matter. 
They have refused to remove this erroneous mark on my report and are violation of my consumer rigths. 

During the COVID-! 9 pandemic the year XXXX  everything was locked down. 
During this time we were protected from negative reporting on my credit reports. 
XXXX, XXXX and EQUIFAx have violated might continually reporting late payment on my XXXX XXXX accounts. 

All these accounts have never been late, this was during during pandemic XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and along with inquiries with that I did not authorize but XXXX and other credit bureaus have refused to delete, these inquiries were during the times that my credit report was already under a fraud alert. My fraud alert was put on in XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX EQUIFAX MORTGAGE SERVICE XXXX XXXX XXXX XXXX I want these unauthorized and inaccurate info my report deleted.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX Inquiry : XXXX. XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX & XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Debt collection

Capital one never provided me with full disclosure. They closed my account without any written notice, and continuously report negative remarks to the credit bureaus without my consent.
Product: Debt collection

On XX/XX/18 I asked that they stopped calling as I told them when I could make a payment. This conversation was never recorded. They have continued to call 3-4x a day and said they have every right to. On the XXXX I did tell her I would file harrassment charges with you. Again she said this was notated. Tonight I spoke with XXXX that transferred me to XXXX that transferred to his supervisor XXXX who then transferred me back to XXXX who then transferred me to XXXX agent # XXXX. They all told me they had a right to call up to 4x a day until they received a payment.
Product: Checking or savings account

I live in XXXX XXXX XXXX My bank is Navy Federal Credit Union ( NFCU ) and its Bill Pay service appears to be through XXXX. There are several problems with NFCU 's Bill Pay. ( 1 ) It does not mail out paper checks so that they arrive in a timely manner on the date I requested. ( 2 ) It steals the money from my account before the check is deposited by the payee. ( 3 ) It often steals the money from my account before the check is even received by the payee. For example, last year I requested that it send {$500.00} to my church by a certain date ( viz., I donate to my church each month in the same manner, same amount ). However, this particular month NFCU 's Bill Pay apparently mislabeled the envelop so that the check never reached my church. Nevertheless, Bill Pay took the money from my account on the date I originally scheduled the payment. Eventually the envelop was returned to Bill Pay as undeliverable with the check still in it. Bill Pay eventually returned the money to my account after keeping it for over one month. I only found out about it in XXXX when my church sent me my charitable giving record. when I complained to the NFCU and Bill Pay demanding that money not be taken from my account until the check was deposited, they both responded as if their actions were common procedure and made no assurance it would not happen again. This year at the beginning of this month, I requested that Bill Pay send {$500.00} to my church by a certain date. On that date, Bill Pay took the money from my account. However, when I contacted my church to check if it received payment. They told me that they had not received the check. When I complained to NFCU and Bill Pay demanding that my money only be taken when the check was deposited, my money was returned to my account. Then two or three days later, my church informed me that they received my check. But when they attempted to deposit it, they were informed there was a " stop payment '' on the check. ( 4 ) Bill pay did not ask or inform me before putting a stop payment on the check. When I complained to NFCU and Bill Pay, they both responded as if it was their common practice and procedure and made no assurance it would not happen again.
Product: Credit card

Pep boys XXXX has not increase my credit line Makes it tough to use the card in fear of maxing out credit limit
Product: Money transfer, virtual currency, or money service

Hello, I made a transaction on XXXX with tracking number XXXX from my XXXX account to my XXXX  account with number XXXX through Xoom service, and after I payed the 3 eur fee and the money was sent to the XXXX  account, I received the information that the money have been transferred to a XXXX XXXX  account. 
I don't have and I never had a XXXX XXXX  account so not even by mistake I couldn't select this bank, XXXX XXXX  was automatically assigned to my transaction details although the number account is correct. 
I made a lot of phone calls to the Xoom service of XXXX for case with number XXXX since XXXX, the only response I receive is " we will come back with a response in XX/XX/48 hours '' but Xoom never come back with a response. I always had to return to them. 
In attach can be found the phone calls to the Xoom and e-mails about transaction and from the open case at them. 
Please help me to solve this case faster, so the transfer can be finished in the right account. 

Thank you!
Product: Checking or savings account

My credit karma savings account was hacked and all of my money was stolen! Credit karma has done nothing to help me!
Product: Mortgage

In 2016, I was approximately 3-4 months behind in my home mortgage XXXX XXXX was the servicer at the time. In an attempt to become current, I sought help from XXXX. an agency that is " supposed '' to help homeowners. In the process, {$64000.00} to a current balance of {$150000.00} to {$210000.00}. 

I need a detail account of HOW and WHY {$64000.00} was added to my loan? I did not pull any money out and I did not have any home repairs done. Am I the victim of predatory lending?
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I called XXXX Customer Service to inquire about two charges in my bank account that I did not recognize. The alleged customer service representative said he would find out where the charges were generated. However, this was not a legitimate XXXX XXXX. He proceeded to ask me questions to locate where the charges originated. He told me that I was being charged a subscription to XXXX by someone using my account to watch XXXX. Of course, I was very upset and at that point was willing to work with him to clarify the matter. He, all along was gathering information to scam me out of XXXX dollars with a fee of XXXX. He abruptly hung up on me. I knew at that point he had scammed me and contacted both my bank and PayPal to alert them and to retrieve my stolen money. 
His transaction ID is XXXX His alleged name XXXX XXXX His email XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my second CFPB compliant regarding my consumer report. I have been a victim of fraud and my personal information was stolen and used for various reasons. According to 15 USC 1681 you are required to investigate these accounts to validate that they even belong to me. Furthermore I contacted the US Bankruptcy Court in regards to any information that they may have shared with a consumer reporting agency and they stated that they do not share information with credit bureaus. The public record you have listed on my credit report shall be promptly deleted or you will face the penalty for violating the FCRA regulations regarding verification and validation. If no one with first hand knowledge of this account can come forward to provide evidence suggesting otherwise I expect my demands to be met. 

The immediate removal of these items due to lack of evidence of indebtedness Bankruptcy - Federal - XXXX XXXX XXXX XXXX has XXXX different accounts listed XXXX XXXX XXXX XXXXXXXX XXXX  has XXXX different accounts listed XXXX XXXX XXXX XXXX I know that these accounts are fraudulent and inaccurate I want a full manual investigation.
Product: Credit reporting

I receive a free XXXX score from XXXX tied to my XXXX XXXX card. I am told that XXXX uses XXXX and they are reporting my credit score as XXXX. 
I also have an XXXX XXXX card and they all make my XXXX score available to me and they use Experian and they report my credit score as XXXX 
As a consumer I do not understand why when the term " XXXX score '' is used there is such a large difference in the numbers.