23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I turned in my leased vehicle to JPMorgan Chase 2 weeks prior to the lease end ( after speaking to their representatives at least 3 times to see what if any charges would occur for the 'early ' termination - they indicated XXXX ). A few weeks after the vehicle is turned in, I get a 'bill ' detailing damage that did not exist when I had the vehicle. I I spoke to Chase employee XXXX ( # XXXX ) on XX/XX/XXXX and XXXX ( # XXXX ) on XX/XX/XXXX appealing the damages and requesting pictures. On XX/XX/XXXX I issued payment ( notifying Chase via email and letter ) that covered the disposition fees and final payment - this was done at the request of XXXX ( # XXXX ) XX/XX/XXXX I receive yet another bill from Chase for the vehicle. I called Chase again speaking to XXXX ( # XXXX ) who said that the damages were waived but I was beeing charged 'early termination fees ' - though my XX/XX/XXXX/XX/XX/XXXX conversations with them said that this 'fee ' would not apply to me. I then asked to speak to a supervisor, finally reaching XXXX XXXX. She heard my story, asked for time to research and would call me back. She called the next day while I was in a meeting - when I called her back she was unavailable and I then left a message. I called back again on XX/XX/XXXX ( speaking to XXXX - # XXXX ), XX/XX/XXXX ( speaking to XXXX # XXXX ), XXXX/XXXX/XXXX ( speaking to XXXX # XXXX ), XX/XX/XXXX ( speaking to XXXX again # XXXX ), and XX/XX/XXXX ( speaking to employee # XXXX ). At no point did XXXX XXXX ever return my calls. Finally on XXXX/XXXX/XXXX I was able to speak to XXXX ( # XXXX ) who agreed to halve my still disputed balance. He needed to get final approval and would call me back that day ( he did n't ). He would also re-request the pictures I asked for months ago but never received. On XX/XX/XXXX I re-called XXXX ( # XXXX ) and was told that my account was moved to the Internal Recovery Department and now longer with the previous department. I demanded to speak to XXXX ( # XXXX ) who acknowledged our deal and agreed to 1 ) take payment for the agreed-to amount, 2 ) let the new department know that I had made payment, and 3 ) the account was now officially closed and in good-standing ( no reporting to Credit Bureaus, no collections, etc. ) Payment was indeed taken via phone and was taken from my personal bank account on XX/XX/XXXX. I considered the issue resolved. Today ( XX/XX/XXXX ) I received a call from a collections agency telling me that I owed the original amount and that they did not show my payment in their system. I initiated a dispute and then recalled Chase speaking to XXXX ( # XXXX ) who would not/was unwilling to transfer me back to XXXX. Instead I was sent to XXXX ( # XXXX ) who told me that even though she can see the agreement in her notes I need to re-contact the Collections agency to initiate a dispute and there was nothing else she could do. Unfortunately, the dispute resolutions person is currently out of the office - of course. I notified her that I would be contacting XXXX, the CFPB and that I will never, ever, ever, use JPMorgan Chase again.
Product: Credit card

I made a credit card payment to Wells Fargo via electronic transfer from my primary account in the amount of {$13000.00} on XX/XX/. It cleared my primary bank on XX/XX/. My on-line accounts shows the transfer, however, I am unable to use my credit card due to " insufficient funds ''. I have called Wells Fargo multiple times and am getting the run around. They have told me that they put a " hold '' on the payment amount because it was a large payment. It is now going on the 3rd week that they have held these funds. I finally got a ticket generated after 3 calls. The 4th call I was told that they would have it cleared up by XX/XX/, another 10 days, 28 days total. I checked with my primary bank and was told banks have 24 hours to post electronic payments under XXXXegulation E. I believe Wells Fargo is committing fraud and using my money in other investment accounts and not posting my payment to my account. I'm sure I am not the only one this is happening to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I CHECK MY CREDIT REPORT TODAY AND NOTICE THAT THEY ARE REPORTING WRONG INFORMATION ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

XXXX unlawfully sold to others from XXXX.
Product: Credit reporting or other personal consumer reports

Capital one is falsely reporting payment history that is damaging credit. XXXX of XXXX and XXXX of XXXX. I have documents stating I made several payments before the actual due date for the months that are reporting late payments. This false informations needs to be removed or corrected. I have tried to resolve with capital one and have disputed on XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the reporting of the account listed below, which persists on my credit report despite your previous investigation. I request an immediate re-investigation of this item as its inaccuracies severely impact my credit score. Per the FCRA ( Public Law 91-506 ), Title VI, Section 611, Subsection 1-D, please provide me with the names and business addresses of each individual whom you verified and validated the above information with, so that I may follow up accordingly. Additionally, please send me an updated copy of my credit report after completing your investigation. 

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

I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Federal Tax Lien IRS # XXXX
Product: Vehicle loan or lease

I made payment arrangements with AutoTrakk and have been paying as agreed. They do not update or report it accurately to the credit bureaus at all unless I dispute it and even after it has been disputed they still refuse to properly update the information. It is listed on my credit report as {$1300.00} owed when I in fact only still owe {$650.00}. This has been listed on my credit report since 2008 and the statute of limitation has passed on this account. Autotrakk nor the credit bureaus has a date listed for when they plan on removing it from my credit report. It is very harmful to my credit which I am trying to repair and would really appreciate it if they would remove it from my report. I am fully aware that due to the fact that I had medical complications my payments were delayed but for almost a year I have made consistent payments via my social security XXXX to peacefully resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX {$1800.00} CLOSED CHARGE OFF XXXX {$14000.00} CLOSED CHARGE OFF
Product: Student loan

I saw this in the news : XXXX I used to have loans through XXXX , which is now Navient. Am I entitled to any payback? My name is XXXX XXXX. I have since paid my loans off, but I had loans just up until last year. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response as of yet. I feel like I am 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 30 days 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: Mortgage

We are writing a formal letter to express our sincere disappointment and concern with services received with Navy Federal Credit Union Mortgage department in XXXX ( XXXX XXXX, XXXX XXXX, and XXXX XXXX ). Communication between ourselves, the loan officers and loan processors was subpar and did not meet expectations. The reason for this complaint is that we are also concerned with misinformation received at various points of the process. Whether this was intentional and predatory, or agents were ill informed this is a cause for great concern. Copy of the full letter submitted to the parties involved will be faxed, which include specific issues with dates and screenshots. An attempt was made to resolve the issues on XX/XX/18, transcripts of that email will be faxed as well.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app. ( Block inc. ) due to inadequate customer service, and all the unfair practices, which violated the Consumer Financial Protection Act. ( CFPA ) all especially cashapp failed to take timely and effective measures to prevent scammers and address fraud on all their platform. Leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair, and very deceptive. As they did not comply with error resolution requirements, under the Electronic Fund Transfer Act ( EFTA ) and regulations. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

This account was a result of identity theft. I have never had or attempted to establish any services with your company. Nor have I granted any written consent for you to access my personal and private information. This is a direct violation of my privacy rights, FCRA and FDPA in addition to identity theft. 

Delete immediately.
Product: Credit reporting or other personal consumer reports

( See attached for complaint ) Subject : Urgent : Unrecognized Collection Account Reporting Dear XXXX, I am writing to formally address the ongoing issue regarding the continued reporting of an unrecognized collection account from XXXX XXXX on my credit report Account number # XXXX Despite multiple good faith attempts to resolve this matter, including my request for a debt validation letter from XXXX XXXX, they have failed to properly validate the account. The company has supplies a move out statement when I requested documentation showing my signature! 

I have enclosed copies of all relevant correspondence for your reference. Given that the debt has not been properly validated, I am concerned as to why this account continues to be reported each month. 

I respectfully request that you investigate this issue and remove the account from my credit report until proper validation can be provided. 

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

Subject : Follow-Up Complaint Regarding Verification of Fraudulent Accounts AND FINAL WARNING FOR INMEDIATE REMOVAL ACCOUNT To Whom It May Concern, I am writing to formally follow up on my previous complaint regarding the failure of [ Credit Bureau Name ] to remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ), [ TRANSUNION ] has claimed that the disputed accounts have been " verified. '' The following fraudulent accounts remain on my credit report, which I have previously identified as resulting from identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ] According to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented.

15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information.

15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed.

Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Furthermore, under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that [ TRANSUNION ] has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information.

I also believe that the actions of [ TRANSUNION ] may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights. 
I request that the CFPB investigate this matter further and take necessary actions to ensure that these accounts are properly deleted from my credit report. I also seek guidance on the steps I can take to protect my rights as a consumer in this situation. 
Thank you for your prompt attention to this ongoing issue.
Product: Mortgage

XX/XX/XXXX sent in loan modification application to specialized loan services after several discussions and delays on sls part they said we did not send the application in time I called XXXX. To help with this process XXXX intervened and tried to help us sls gave XXXX the same run around XXXX possible XXXX suggested we file a complaint we have been trying to find a solution through sls whether it is a loan modification or another program through specialized loan services but they still keep delaying our request we do not want to lose our home so we need help from sls and XXXX thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 through XX/XX/2019, we received unsolicited telephone calls from mortgage lenders and brokers and other third parties who were soliciting us to refinance the mortgage on or property at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. We had no intention of refinancing the mortgage, and we had not contacted anyone about refinancing the mortgage. The lenders and brokers told us that they received information from Equifax Inc. that caused them to contact us regarding a mortgage refinance. We never authorized Equifax Inc to secure mortgage refinance offers from anyone. Equifax Inc. used automatic systems to unleash a barrage of telephone calls from lenders and brokers regarding a mortgage refinance, and in fact we received 30 telephone calls from lenders and brokers in a 48 hour period, all initiated by Equifax Inc. None of the lenders or brokers provided us a firm offer of credit. All of the calls from lenders and brokers were initiated by Equifax INc. We requested the CEO and Chief Legal Officer to provide us a list of all mortgage lenders and brokers to whom they had sent personal and financial information about us, but they have failed and refused to do so. We asked Equifax to tell us what information they provided to lenders and brokers, but they have failed and refused to do so. Equifax Inc. charges lenders and brokers a fee to provide them with information about prospective mortgage refinance borrowers even when the property owners have no intention to refinance. Equifax Inc has earned fees by disclosing our personal and financial information to probably more than 100 lenders and brokers since we received calls from 30 lenders and brokers in a 48 hour period. The disclosure of our personal and financial information to numerous lenders and brokers potentially subject us to identity theft, but Equifax will not disclose to whom they sent our personal and financial information for a fee. Equifax business practice and model as described violates the Fair Credit Reporting Act. We have sued Equifax INc in federal court in XXXX, but they secured transfer of the case to the XXXX XXXX of Georgia, XXXX Division. We will litigate the case with them as they have refused to make an appropriate and adequate settlement offer though we have made offers to them..Please investigate Equifax Inc. as this is intentional unauthorized disclosure of our information and is an intentional data breach by Equifax for a fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, XXXX You are reporting a collection from XXXX XXXX for XXXX XXXX XXXX XXXX bill that I know nothing about I never lived at the billing address don't know anything about it as you can see they have NO contract with my signature and nothing but a bill they state that it is verification, and validation you know as well as I do that is not the case I have lived in Texas for about 20 years. They state section 809 serves as compliance per my request that is false I never request that no identity theft I requested 15U.S.C.1681a { e } as well as others listed in documents they refused to comply Remove this unverified ; none validated account from my credit report Enclosed are the documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out all that was required of me by TransUnion and XXXX, but yet again they are stalling. If these Fraud Alerts are not deleted, I will also file a XXXX report.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( BLOCK, INC. ) Do 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a freeze be placed on my credit report due to a possible breach of my account and my identity being compromised. I am requesting a security PIN be sent to me from Equifax, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had opened an Experian account to check my Personal Credit, this because I have applied for a few Credit Cards and was denied. So after looking at the Credit Report, I was shocked to see 'XXXX XXXX XXXX XXXX XXXX ' on it. This because even though I admit I do owe back child support to the XXXX XXXX XXXX, I have been paying every month for several years. Never missing a month. I was told by Experian that even though I pay every month, that the 'XXXX XXXX XXXX XXXX XXXX ' status will remain NEGATIVE on my credit report because even though I've been paying on time every month, I still have a outstanding balance of back child support owed. So I said OK! 
That having been said, I then ask if it legal for Experian to keep 'XXXX XXXX XXXX XXXX XXXX ' account on my Experian credit report if the 'XXXX XXXX XXXX  XXXX XXXX ' can not provide them with the an ORIGINAL SIGNATURE? Which I know 'XXXX XXXX XXXX XXXXXXXX XXXX ' can not produce, because due to the fact I was living in the state of XXXX and was not able to appear in court when my child support case was in front of a Judge in the state of XXXX , a judgment of court ordered child support obligation was placed on me by default of me not appearing. And even though I am ordered to pay child support, I never signed the Judgement or court order. So therefore, because I never signed any child support judgment or court order, I feel that Experian should remove it from my Credit Report.
Product: Debt collection

Due to COVID19 and the fact my Gym Closed I called to cancel my membership which I was informed it would be cancelled. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Location was permanently closed. 

I received a collection letter today from First Credit Services and tried to explain the situation and was told even though the Gym was closed I still had to pay! This is fraud. I told them not to call me anymore and XXXX the Debt Collector got very aggressive and tried to tell me the Gym was open at the time I cancelled my membership which is not true. 

I would like this debt collection to cease and desist and for them to close it and not impact my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions