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

Hi CFPB, In XXXX of XXXX, I applied for a loan from Chase Auto Finance to buy a car that I had previously leased at the end of the term of the lease. I agreed to pay {$12000.00} for the value of the car and asked for Chase Auto Finance to handle the title on the car. They charged me {$1100.00} for the sales tax on the car and a {$15.00} fee for the Certificate of Title. I wrapped this amount into the loan balance at 5.19 % for a total of {$14000.00}. 

On XX/XX/XXXX, I received an envelope with the unfiled title paperwork from Chase Auto Finance. Evidently, they were unable to title the car, and I was forced to handle that myself. However, this envelope didn't include a check for the sales tax, which was part of the balance of my loan. Sitting in the DMV is always no fun, but without the check for the sales tax, I paid the sales tax out of pocket, {$1100.00}, on XX/XX/XXXX. The way that I see it, they loaned me this money for the sales tax, but they never actually gave it to me ( or to the State of California on my behalf ). 

On XX/XX/XXXX, I called Chase Auto Finance for a refund of the tax, service fee, and refund of the interest on the portion of the additional principal due to the sales tax. It's been a month, and I have still not received more than an auto-generated reply from Chase. I certainly haven't received the refund of the money I paid them : Certificate of Title Fee ( {$15.00} ), Estimated Sales Tax ( {$1100.00} ), and 9 months interest on {$1100.00} at 5.19 % APR. 

I'm still paying on my loan, which I have never missed a payment on. That said {$1200.00} is not a small amount of money to me. I don't particularly want to pay back this money when it was never loaned to me in the first place ... and then there's interest .... I'm providing documentation, all of which I have also sent to Chase. I have the original loan paperwork with the sales tax itemized, the cover letter from Chase saying explicitly that no check was included with the title information, and my receipt from the DMV. I'm sure you guys deal which much bigger problems than mine, but I hope you would do something on my behalf. 

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

please review the following accounts that appear on my credit report, without any authorization, they are not mine, it is hurting me Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

3. Identity Theft NAVY FCU Account Number : XXXXXXXXXXXXX**** This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

4. Identity Theft NAVY FEDERAL CR UNION Account Number : XXXX This is not mine.

5. Identity Theft NAVY FEDERAL CR UNION Account Number : XXXX This is not mine. 

Identity Theft NAVY FCU Account Number : XXXX This is not mine. 
.
Product: Credit card or prepaid card

A debt validation letter was sent on XX/XX/XXXX to prove that this debt is owed by me. This is very damaging to my credit as I try to apply for my first home. This validation letter was sent on XX/XX/XXXX as of today XX/XX/XXXX this debt has yet to be proven to be owed by me. This company has not replied to the verification letter of the this debt.
Product: Credit reporting or other personal consumer reports

I have sent dispute requests to TransUnion, XXXX and XXXX regarding the following account number : XXXX. The dates of these disputes are as follows : XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite all of these letters sent to these bureaus, there has been no dispute language on my credit report. There have also been no investigation results sent to me. It is very clear that my case has not been looked into whatsoever by any of these bureaus.
Product: Student loan

I was never informed that making consecutive payments under the IBR plan can lead to forgiveness after 10 years. If that was the case then I would have certainly signed up for the automated payments and continued applying for IBR plans every year as needed. I used to get phone calls reminding of payments being due and that has since stopped so I'm unsure of where I'm at in the process, I have usually been doing 2-3 payments at  once instead of monthly - again because I did not have this information. I am only told they don't report to the credit bureau 's monthly for the way my payments have been. So it's not affecting my credit score which is nice but it would be fantastic if my loans were forgiven instead. They are quite substantial and don't seem to be going down with all my payments thus far.
Product: Student loan

I have repeatedly requested information from XXXX   XXXX XXXX, XXXX ( " XXXX '' ) regarding payment due dates and loan statements. Specifically, I currently receive no notice, either through email or regular mail, about payment due dates. Further I receive no notice about when a statement is available for download from the XXXX website. 

I reached out to XXXX on the following dates asking that it fix the problem : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX has either ignored my inquiries, provided non-responsive answers, or incorrectly stated that the problem had been fixed.
Product: Student loan

Hello, I have a student loan through Navient that was consolidate previously from XXXX. As part of my original loan terms I had signed up for a " borrower 's benefits '' which included a 1 % reduction in my interest rate if I paid 36 consecutive payments on time. This was performed, but after the 40th or so payment there was an issue with my bank sending the money ( it was from a savings account that was limited to XXXX withdrawals a month and the money was attempted to be withdrawn just before the month rolled over ) so the payment was not able to be made. Navient sent me a message that there was a problem with my payment, I submitted the payment again and it went through 8 days after the original date. However, after that " missed payment '' my borrower benefit of a 1 % reduction in my interest rate was revoked and all documentation was taken off my account. I was unable to even figure out if they were correct in revoking that benefit. When I called and asked them about it they said it was " late after 48 hours '' - but the email to let me know there was a problem did n't come for close to 5 days after there was a problem ( making it impossible for me to react to anything in time ). Of note there was a similar problem in XXXX of this year when the charge was reversed and I submitted another charge on XXXX XXXX. 

Considering all of this, I had written Navient asking for documents describing the rules of what would constitute me loosing my borrower benefits. They were unable to provide any documentation, but they did send me a copy of my original loan document which stated that I would incur penalties if my payment was late by more than 15 days. Therefore, it seems to me that this should be the cutoff for removing my interest rate reduction - however, Navient seems to have changed the rules and this seems incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im stressed and cant believe Over 90 days ago I sent letters about an investigation into items that were INNACCURATE, Unverifiable and Invalidated. To this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports.I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.
Product: Credit card

On XX/XX/XXXX after losing my card charges started coming in from VT. I live in RI. I did not make these purchases. The denial reasons said someone used my pin, which is absolutely no way. The transactions could not have required a pin because I lost my card but never provided my pin to anyone. None of these transactions were authorized totaling {$200.00}. I did not make these purchases and I want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRADULENT ACCOUNTS HAVE NOT BEEN REMOVE FROM MY CREDIT REPORT. 
I DISPUTED IT, BUT ALL THEY DID WAS UP DATE IT. 

XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XX/XX/XXXX {$5800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Equifax regarding inquires that are being reported that were not authorized. They said they can not remove them because they are a " FACT ''. The only way that I could have the inquires removed is by contacting the company that placed the inquiries on my report and getting them to send an electronic release. The contact information for the 4 companies was not listed on my credit report so I had to obtain it from the agent, XXXX ( reference number XXXX ) before ending the call. I called each company who advised that they do not have my information on file so they're unable to submit the electronic release form that Equifax is requesting. I then called Equifax back and spoke with XXXX ( ID : XXXX ) was advised that there is nothing they can do without it, she transferred me to XXXX ( XXXX ) who transferred me to XXXX who disconnected me when I requested to speak to a supervisor. 

This is my 3rd time submitting the survey because the customer service agent advised the other two are permanently stuck in Draft status.
Product: Debt collection

I received a call on XX/XX/XXXX from a company called summit rXXXX XXXX. They claimed I owed them about {$1000.00} for a loan from XXXX XXXX. XXXX XXXX has never given me a loan. I have applied for loans with them, but was denied. I'm guessing that they had a customer that didn't pay and they couldn't find them, so they put my information in the application in an attempt to try to bully me into paying someone else 's debt. They claim the debt is from XXXX, but I have no collections in my credit report. The guy was a real jerk and I don't want him tying up my phone line with his stupidity.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. 

The following accounts need to be removed as they are fraudulent. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX Date Opened : XX/XX/2016 Balance : {$32000.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Product: Credit reporting, credit repair services, or other personal consumer reports

This is follow up to a case already filed with the CFPB, that number is : XXXX. The response received from Caliber was inaccurate, as well yesterday they reported to XXXX that my mortgage is 30 days late. Attached is verification of the report and the lines below are the inaccurate statements in the response, both of which fall under the heading Requested Clarification : 1. It should be noted that it was an error on Caliber 's side that my account was taken off automatic recurring drafts for my loan and that specific statement would be reported to the credit bureau. 2. There was no attempt by Caliber to contact me on XX/XX/XXXX or XXXX as stated, this is simply a false statement.
Product: Credit card

I have not supply proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exist. 



This debt collector has not provided me proper debt validation for this average debt. Please delete this from my credit report. 


The List of accounts below has violated my federaly fipteispute suastiner rights to prifarcy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a a thout my written instruct 15 U.S. concur. 
consume items of in information action States : no ency may make any XXXX staining any of the following Any other adverse item of convictions40f rt by more a consumer to any consumer reporting agency it the pers
Product: Money transfer, virtual currency, or money service

There was a phishing attempt made on my Coinbase account about 3 weeks ago, roughly XX/XX/XXXX. I put a temporary hold on my account as coinbase instructs customers. When I tried contacting them to open my account back up they told me to change my password. I followed this instruction and when i tried logging back in, it told me coinbase locked my account. I've tried repeatedly to contact coinbase about the procedure for unlocking my account isn't working and they REFUSE to call me even after I emailed and sent my number to them 3 different times. Any publicly listed company that refuses to respond to consumer complaints and account issues needs to be fined and DE-LISTED. This is literally legalized theft, they have my funds and refuse to give me access to them.
Product: Credit reporting or other personal consumer reports

My complaint is to formally notify you of Equifaxs violation of Section 605B, 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ) and to request immediate action in blocking fraudulent and unauthorized information on my consumer credit report as mandated by law.

Violation of Section 605B ( 15 U.S.C. 1681c-2 ) Under 15 U.S.C. 1681c-2 ( Section 605B of the FCRA ), consumers who believe they are victims of identity theft have the right to request that a consumer reporting agency block the reporting of any information in their file that resulted from an identity theft incident. Specifically, the law provides that : Upon a statement from the consumer identifying the fraudulent information, the consumer reporting agency must block the fraudulent information within 4 business days.

The agency is required to prevent the reporting of any such information that resulted from the identity theft incident unless there is a good faith reason to believe that the request is fraudulent or erroneous.

The FCRA requires that upon my request and proper documentation, Equifax must block the identified fraudulent information from being reported and must notify the furnishers of that information.

Details of the Unauthorized Information on My Report I have identified several unauthorized inquiries and one fraudulent account currently reported on my Equifax consumer credit report, which I believe to be the result of identity theft or other unauthorized actions. As outlined by law, this information must be blocked from my report. 

The following inquiries and fraudulent accounts need to be blocked immediately under Section 605B : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This unauthorized information is significantly affecting my credit report and financial standing. In accordance with 15 U.S.C. 1681c-2, I am requesting that Equifax block this information from my consumer report within 4 business days of receiving this notice.

A detailed written statement confirming the information outlined above as being unauthorized and fraudulent.

Request for Immediate Action I expect Equifax to act in full compliance with the law and to block the fraudulent account and inquiries listed above within 4 business days from the receipt of this letter, as required by 15 U.S.C. 1681c-2. 

Please send me written confirmation that this fraudulent information has been blocked from my credit report and that the relevant furnishers have been notified. Failure to act within the prescribed time will result in further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$4400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding unauthorized accounts on my credit report that continue to appear despite my attempts to have them removed. These accounts violate 15 USC 1681b, as there is no permissible purpose for reporting them without my consent. I believe these accounts stem from my personal information being compromised in the Equifax data breach. The ongoing presence of these fraudulent accounts is causing significant harm to my credit and financial well-being. I request immediate investigation and removal of these accounts. If this matter is not resolved promptly. Please find attached documentation related to the disputed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to place a security freeze on my account on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against TransUnion, LLC for failing to remove unauthorized credit inquiries from my credit report and for their lack of response to my dispute. Despite my request submitted on [ date ], the credit union has not taken appropriate action in accordance with federal law. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, a company may only access my credit report with my explicit consent. If an inquiry was made without my authorization, it constitutes a violation of my rights under FCRA. Additionally, per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies and furnishers of information are required to investigate disputes within 30 days. [ Credit Union Name ] has failed to comply with this legal requirement by not responding or providing evidence of permissible purpose for the inquiry.

Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers of information have a duty to ensure the accuracy of the information they provide to credit reporting agencies. If the inquiry was unauthorized and the credit union failed to correct or remove it, this is a clear violation of the statute.

I request the CFPB to investigate this matter and take appropriate enforcement action against TransUnion, LLC for noncompliance. I also request that these unauthorized inquiries be removed from my credit report immediately. Enclosed are copies of my original dispute letter, my credit report showing the unauthorized inquiries, and any supporting documentation.

I appreciate your prompt attention to this matter and look forward to your response. Please keep me informed of any updates regarding my complaint.
Product: Credit reporting

I submitted a compliant to the XXXX, Equifax and XXXX Bureau regarding the different variation of my name, old phone numbers, old addresses and old employer removed from my credit report. However they have added old address to my report. My request was received by the bureau on XX/XX/XXXX & XX/XX/XXXX, I also submitted prove of my address and legal name and they have not removed the variations of my name, the old address or old employer from my report. I have attached my SSN proof of my address and phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

According to 15 USC 1681e ( b ) You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete account immediately for violating 15 USC 1681e ( b ). This account is closed on XXXX XXXX but they also show being reopened the same date of XXXX XXXX. This is fraudulent and I would like to have it investigated and removed completely from all three credit agencies.
Product: Debt collection

This debt company under the name First Point, they are trying to collect from me the amount of {$75.00} from the XXXX XXXX XXXX with the Patient account number XXXX. 

This was paid in a full total amount of {$210.00} as a co-payment with the check number XXXX and not a down payment before the admission for the XXXX and the insurance medical company covered the rest, There was no extra balance pending to pay. 

Paid in an Full Amount.