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

I refinanced my  XXXX   XXXX   XXXX  lease with    XXXX   XXXX    XXXX   XXXX  t  in  XXXX   XXXX . For a year now I have been trying to get an issue with  my Title  corrected. After trying for a year Chase has b  ee n unable to resolve th e Title issu e with no resolution. My original lease financing was through  XXXX   XXXX . At the end of the lease I purchased the car through  XXXX   XXXX   XXXX . At the time of closing,  XXXX  sent me letter stating the   XXXX   XXXX     Title w as sent to  Chase ( the lienholder ). A year later, Chase has y et to take possession of the lease. I moved to   XXXX   in  XXXX   XXXX . I call ed Chase to  request the  Title  paperwork so I could register my car in the state of   XXXX   in  XXXX   XXXX . They told me they would send me the proper paperwork to allow me to register my car. I never received the paperwork. I called about 30 days later and informed them I never received the paperwork. They told me they would resend the paperwork. After the third or fourth request for the paperwork, I was informed they are unable to issue the paperwork because of a  Title issu e and would send me paperwork that would allow me to obtain a temporary registration in  XXXX . I never received the paperwork for the temporary registration. There are  two things Chase  has been unable to resolve, (  1 )  they have been unable to properly title the car in  XXXX  which would allow me to transfer it to   XXXX    and ( 2 ) they have been unable to send me paperwork to obtain a temporary registration in  XXXX . The last time I spoke with them on  XXXX   XXXX ,  XXXX , I was told they contacted  XXXX  to request paperwork ( that was already sent by  XXXX  which  Chase l ost ). WHen I contacted  XXXX  to confirm  Chase had con tacted them for the paperwork  XXXX  was unable to verify any correspondents. It appears because this is a unique situation, the customer service reps are misrepresenting the actions they are taking in order to get us off the phone. Everytime they call they try to push us off and give us arbitrary timelines. I have been living in   XXXX   for almost 7 months now and have been unable to register my car. My   XXXX   registration is expiring in  XXXX   XXXX  and I am unable to register in  XXXX  This is causing me to carry  XXXX  auto insurance policies,  XXXX  in   XXXX   and  XXXX  in   XXXX   I am unable to cancel my  XXXX  insurance policy until I return my  XXXX   plates  however I ca n't turn in my   XXXX    plates until I register my car in    XXXX  . I am unsure what to do at this point as  Chase is not taking ownership of resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX XXXX by letter a few months ago and asked for them to verify the information they posted on my credit report. They did not verify it, or even provide me with a signature. The complete removal and deletion of the account from the credit bureaus and deletion of the incorrect, inaccurate unverified information needs to happen as soon as possible, as this unverified account is preventing me from receiving credit. Ifs it not removed ASAP, i may have to file a lawsuit in small claims court against there company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my report and I see you guys marked me as late on XX/XX/2022. According to 15usc 1681 ( A ) you are not supposed to do this.

I also asked for A copy of THE contract to include TRUTH in LENDING DISCLOSURE and HAVE STILL NOT RECEIVED IT. 

I also SENT a MOney order BUT HAVE STILL NOT RECEIVED CONFIRMATION of this OR SEEN IT POSTED TO my ACCOUNT. THEREFORE UNDER UCC Article 3 YOUR FAILURE TO APPLY and DISCHARGE the DEBT REPRESENTS A BILLING error. 12CFR 1026.13 ( 3 ) ( 4 ) ( 5 ).
Product: Student loan

My student loans were transferred to Mohela in XXXX, after being serviced by XXXX XXXX and XXXX. In XX/XX/XXXX, I received notice from the Department of Education that my loans were to be forgiven due to borrowers defense via the XXXX XXXX XXXX lawsuit, and that I would receive a refund for all payments made to my 12 direct student loans. In XX/XX/XXXX, Mohela discharged my loans. After waiting for a refund I never received, I contacted Mohela who told me that XXXX XXXX would have to refund my payments ( all payments were made to them, but they are no longer in business ). I called Mohela in XX/XX/XXXX and requested my payment history from prior servicers. They told me it could take 30 days to receive. At the end of XX/XX/XXXX, I received a letter from Mohela indicating they canceled my request due to my loans being paid in full. I then submitted a complaint with Federal Student Aid in XX/XX/XXXX and they responded in XX/XX/XXXX, indicating that Mohela was submitting a prior servicer refund request and I should receive my {$590.00} refund in 90 days. I didn't receive that refund check until XX/XX/XXXX, but I am still owed much more than that for all of the payments I have made on these loans. Mohela had until XX/XX/XXXX to send my refund amount to the treasury department and has failed to do so. I still haven't received my payment history from the life of my loans and I don't believe Mohela has my payment history.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/2024 Dear XXXX and CFBP, It has been over 90 days since I made my initial dispute against the fraudulent late payments on a few accounts on my XXXX credit report that are incomplete and inaccurate which are a violation 15 USC 1681e ( b ).

You also violated 15 USC 1681s-2 ( a ) & ( b ). 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ) Any person who fails to fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance.

Accounts 1. XXXX XXXX Account # XXXX ( Fraudulent inaccurate unverified late payments ), delete this account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) 2. XXXX XXXX Account # XXXX ( Fraudulent inaccurate unverified late payments ), delete the late payments on this account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) Furthermore, I want to formally report that my identity was compromised because of the well-documented XXXX data breach. Attached are my consumer credit report and the necessary documentation from XXXX confirming the theft of my personal information and their subsequent action to remove all fraudulent and inaccurate accounts from my credit report. I respectfully request that similar measures be taken by XXXX and XXXX to ensure the accuracy and integrity of my credit information. This request is in alignment with the Fair Credit Reporting Act ( FCRA ), particularly Section 609 ( e ), which mandates that credit reporting agencies must take swift action to rectify inaccurate or fraudulent information resulting from identity theft. Furthermore, the precedent set in the case of [ relevant case law ], supports the immediate rectification of such errors to uphold consumer rights under federal law. '' Once you have deleted the accounts from my credit report, please send me a copy of my updated report. 
Thank you, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I used venmo for the first time XX/XX/2022. I sent request for payment of {$45.00} and it was rapidly put into my Venmo account. When I tried to transfer my {$45.00} to my checking acct, Venmo sent this email : '' Your Venmo account has been frozen due to recent activity that appears to be a violation of our User Agreement. If you would like to reactivate your account, please submit a picture of your unexpired US government-issued photo identification via our Document Upload Form, linked below. This is required to ensure you are the legal account holder. '' ETC. NO explanation as to what I violated. 

So I call their 'great ' customer service line trying to find out what user agreement I have 'violated '. Absolutely no help other than to say I had to provide my ID via email. I responded to the email asking them why and basically got a generically generated response. So I ask for more information and we go back/forth via email but they never give any answers and there's not a name, number or anyone I can actually contact other than this generic email cosmic hole or their equally unhelpful phone rep hole. But I insist and keep trying to find a phone rep that might have better/different info. No luck. Even got a 'supervisor ' who could not do anymore than the other reps. So customer service is a joke and a circle that no one can navigate out of. Finally, I realized I will never get this solved through Venmo phone reps or email. 

Next, I tried to close my Venmo acct. Guess what : they won't let you close your account ( online or via phone ) when it is frozen. So I contacted the person who sent me the {$45.00} to tell her to take it back ; she says there is no way for her to get the money back ; Venmo phone reps confirmed this as well. 

Venmo has my money in a frozen account, won't send it back to person who sent it, won't tell me why my account was frozen, won't let me talk to a person who 'might ' be able to give me some answers, insists on me sending them my ID ... sounds like they think I am a scammer when they are the ones scamming me. 

Does Venmo ( paypal/XXXX XXXX  ) just keep my money forever? If they needed to verify my ID, why didn't they do that when I first signed up for Venmo? So yes, I want my {$45.00} because I worked hard to get it. Also I want my Venmo account closed and my info erased from their databases. And I want you or someone to actually protect us from these financial scammers and predators.
Product: Mortgage

I have been having issues with completing the short sale process for my property to relieve myself from the debt and settle what i owe with the lender Specialized Loan Servicing. I followed all their guidelines and steps involving the short sale process and had the auction of my home delayed in order to ensure that i would be able to complete a short sale and get my life back on track. With the help of my realtor we got a buyer to put an offer in which we submitted to them. Around the end of XX/XX/XXXX they agreed to review my short sale and sent out an appraiser to get the value of the house. Their value came back higher than our buyers offer of XXXX. Despite their lower value, they told us they were looking to get XXXX. We immediately went back on the market to look for that value. We were able to get the original buyer to come up to meet their counter, and when we did they refused to review it as they had set an auction date and claimed we did not have enough time to submit it for a review. They claimed they had issues getting into the property a second time which caused some delays in them getting another value, but we never received a call from any appraiser. They finally sent someone on XX/XX/XXXX and my realtor had to meet them out there to make sure they would get in. At this point another auction date was scheduled for XX/XX/XXXX so we were still on a time crunch. They got their value back at the same as it was previously XX/XX/XXXX and asked us to wait til after the holidays for an approval. After the holidays we were told that they were looking to NET XXXX even though their valuation of the property came back at XXXX and said their investor would no longer look at a short sale. I have put a lot of effort into this short sale only for it to be shut down because SLS 's negligence and inability to follow through with the process. Their inconsistency leads me to believe that they never actually entertained our offer, and put us through this process for no reason.
Product: Credit reporting

XXXX XXXX is reporting the same account as XXXX. I have given Transunion ample time and documentation to prove the account is being reported in duplication. I need the accounts deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Years ago I had a XXXX credit card.XXXX went out of buisness and I assumed the account was closed.The XXXX credit card was through XXXX XXXX XXXX.Then, for some reason, I ended up with a shop your way card from XXXX that showed up on my credit reports.I never signed up for a shop your way card through XXXX nor did i ask for my XXXX card to transfer over to shop your way card.I never asked for a increase for credit for shop your way card or ask XXXX to reopen the shop your way card when they said it was denied.XXXX needs to provide proof that i signed up for a shop your way card or asked to reopen or increase in credit.Never had a option to opt out as well.On XX/XX/2020 at XXXX I called customer service and spoke to " XXXX '' ( # XXXX ) and she stated she doesnt have any paper work and cant provide any paper work to me. 

card number ... XXXX member since..XXXX valid thru ... XXXX account closed on ... XXXX or XX/XX/2020
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( fcra ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates federal law and my rights as a consumer
Product: Debt collection

I keep getting harassing calls at work, at home, at my parents home, friends and other relatives from National Principle Group about a debt that was discharged in Bankruptcy in 2012.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX are wolves its been 9 years and a eviction is 7 years and it keeps showing on my credit report its been 9 years from 2013 I want this information off my credit off public record
Product: Mortgage

For two years I have submitting docs to Phh mortgage to obtain modification. They just kept asking for more docs. On XX/XX/XXXX I received denial of modification because they refused to use a portion of my income and r refused to offer an opportunity to appeal. Also the desktop appraisals they keep using are highly inaccurate. I see no real report just a value that is more than {>= $1,000,000} over value I need to stop this foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that XXXX and TRANSUNION decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. These public records are unknown to me and must be deleted from my file. 
XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ;
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute for Removal of Bankruptcy Entry To Whom It May Concern, I am writing to formally dispute the presence of a bankruptcy entry on my credit report, which I believe is in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and related regulations. The inclusion of this bankruptcy entry is adversely impacting my credit profile and overall financial standing, and I am hereby requesting its immediate removal. It is important to note that I have previously disputed this entry, and your company claimed its verification through XXXX. However, I have not authorized XXXX to access my information as a consumer. Additionally, I have confirmed with the clerk of the court that they do not report any information to credit bureaus, rendering the account 's validity unverified.

In accordance with 15 U.S.C. 1681 et seq., I am exercising my right to dispute this entry based on multiple violations, including Permissible Purpose, Right to Privacy, and the provision of a comprehensive Investigative Consumer Report. Specifically, I firmly believe that the reporting of this bankruptcy entry constitutes infringements of 15 U.S.C. 1681a ( 2 ), ( 4 ), 15 U.S.C. 1681 ( a ), ( e ), and ( d ).

I have furnished substantial evidence demonstrating that neither the Courts nor PACER ( XXXX XXXX XXXX XXXX XXXX XXXX ) supply information to any credit agencies whatsoever. Consequently, the validation of this bankruptcy entry was never fulfilled as mandated by law. If you contend that this entry has indeed been validated, I insist that you furnish the investigative report to substantiate your assertion. In the absence of such documentation, I am prepared to pursue damages for violations at a rate of {$1000.00} per violation, in accordance with the FCRA. 

Given the evident violations and the absence of validation, I hereby demand the immediate removal of the contested bankruptcy entry from my credit report. This action is imperative to rectify the inaccuracies in my credit profile and restore the integrity of my financial reputation. 

I am confident in the validity of the aforementioned violations, and I kindly urge you to expeditiously eliminate the disputed bankruptcy entry from my credit report. Furthermore, I anticipate your timely response and resolution, aligning with the stipulations of the FCRA regulations. 

Please be advised that I am well-versed in my rights and remedies as dictated by the FCRA. Should these infractions persist, I am fully prepared to take appropriate legal measures to address the situation. I anticipate a swift response within the 30-day timeframe stipulated by FCRA guidelines XXXX 

Thank you for your immediate attention to this matter. I trust in your commitment to conducting a thorough investigation and taking prompt measures to rectify this issue. 

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

I have been disputing XXXX XXXX account on my EQUIFAX credit report for about one year now. I have told equifax this account is not mine and is id theft! I also sent in numerous ID THEFT reports with this item listed and still EQUIFAX allows this company to report on my credit report when I have called and told them to cease reporting activity on account and have sent in identity theft requests to block account which have been denied. I never have EQUIFAX. Or this creditor permission to furnish or report on this account. Im accordance to FCRA and laws EQUIFAX HAS VIOLATED MY RIGHT TO PRIVACY! They have allowed this company to report on my credit as recent as XXXX XXXX after I called to cease any reporting and filed many disputes to have item removed! Please this company is violating my privacy rights and also not acknowledging government identity theft documents and requests to block account
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXXXXXX XXXX  XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$2900.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$4000.00} XX/XX/XXXX
Product: Debt collection

I have never been in contact with this company. I need to see the original debt with my signature and a notice, I never received anything showing I owed a debt. And I do not have and attorney and do not need one because the debt is not mine... They are making false reports on my credit file. I am requesting the they remove any and all reports that they have sent to the credit bureau without my consent or prior approval per U.S.C. 1681
Product: Checking or savings account

I submitted the attached claim with Bank of America XX/XX/XXXX and its currently XX/XX/XXXX thats going on XXXX  monthsduring this time I have made several calls to them in regards to returning my money they still have not done soas a customer that have had to deal with theft including cellphone and wallet having your funds kept from you from your financial institution is disgraceful.
Product: Credit reporting or other personal consumer reports

Transunion is reporting and old account from XXXX XXXX XXXX that is from XXXX The original creditor XXXX has not been my insurance provider since XXXXXXXX I am unsure how they are able to put something on my credit report that is almost XXXX XXXX XXXX. From the year XXXX up until XXXXXXXX  I haven't even had a vehicle in my name. There is no possible way this is reporting correctly. This is violation of my consumer rights and violation of the FDCPA. This account from XXXX XXXX XXXX should not be reporting on my consumer report at all because the account is too old. As I stated previously I haven't had car insurance through XXXX since XXXXXXXX  which is the original credit.
Product: Mortgage

Wells Fargo and XXXX XXXX used deceit and erroneous statements to deny my claim and complaint. I submitted documents which she has not seen or uses sophistry to deny. 
This occurred on XX/XX/XXXX, XXXX she denies that there was no redlining or discrimination although there was. She does not understand redlining or the Civil Rights Act of XXXX
Product: Credit card or prepaid card

On XX/XX/2022 there was a transaction on my Bank of America credit card for the amount {$1300.00} with merchant XXXX XXXX XXXX I disputed this transaction since didn't authorize this. 

Also, spoke to XXXX XXXX XXXX fraud department to understand what I purchased for {$1300.00} - but they said/confirmed saying they don't see any transaction for that amount using my credit card Bank of America is now saying they received response from XXXX XXXX XXXX saying its valid transaction and asking me to pay {$1300.00} Also, I went to discuss this in person to Bank Of America and they didn't me discuss there and sent me back asking to check with fraud department over phone. On phone so far i have spent more ~20 hours waiting for response, discussion. But nothing helped me so far. 

Been calling both Bank of America and XXXX XXXX XXXX fraud departments and no one is giving me valid reason and instead Bank of America is asking me to check with XXXX XXXX XXXX and XXXX XXXX XXXX is asking me to check with Bank of America 3 big problems I am facing because of this 1. {$1300.00} loss for me 2. My credit score is going down everyday and its down from XXXX to XXXX  3. mental pressure I am going through calling everyone and asking for some resolution
Product: Student loan

I was not told initially about the income driven repayment plans, which resulted in my agreeing to a large loan payment monthly that I couldnt afford. When I finally logged back in after hearing about the income driven plan, the system erred and would ot allow me to apply for it. The School I attended was The XXXX School in XXXX, TN.