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

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PMorgan Chase is currently the creditor for my automobile loan. Every time I go to log on to their website, I get errors. It is always a problem with the password or user ID. I have changed it literally over a dozen times over the last year ( once every month, because when I make my monthly payment, I must attempt to change the password each and every time I log in to my JPMorgan Chase auto loan account ).

Note that I have tried this on 3 different browsers, as well as my wife 's computer and my work computer. All scenarios end up the SAME.

This has been very stressful every month I go to pay. I also have found that a simple internet search reveals that many people are having the same problem. I sincerely believe that they are intentionally making consumers late on payments. Whatever their motive is, they know darn well that this is an ongoing issue for many of their account holders and yet they do nothing about this. Please proceed with an investigation and if so, I might also be interested in heading up a lawsuit against this criminal activity.

Thank you for your time.
Product: Credit reporting or other personal consumer reports

Transunion, To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes with stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the Federal court system Case No. XXXX XXXX XXXXXXXX in The XXXX XXXX XXXX Illinois. I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Transunion credit report. Please delete ALL of the Following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This is the XXXX time I have felt it necessary to file a complaint about Suntrust Mortgage ( see CFPB case # XXXX ). On XXXX XXXX, 2015 I started the process of doing a refinance with Suntrust, which has been my mortgage company for many years. Because of my good credit history in general and with Suntrust I was told at the time that this should be a fairly easy refinance. After now making XXXX additional mortgage payments at the old rate of 6 %, with another coming due the XX/XX/XXXX, I still have not closed on my refinance. I have heard many excuses for the delays none of them involving a problem with my account. The latest incident was this week when I was told on Tuesday XXXX XXXX that Suntrust was ready to close and they setup an appointment for a notary to meet with me on Friday XXXX XXXX to sign. On Friday the notary called me to let me know that they had not received the documents from Suntrust and they were not responding to there emails. After I contacted Suntrust a new appointment was set up for the next day, Saturday the XXXX. At XXXX on Friday the notary called me to tell me I needed a certified check to cover some of the closing cost. Suntrust had never said that I would need to cover any closing cost in fact they have always said those costs would be rolled into the refinance. With the banks closing at XXXX for the weekend there was no way to even get a check if I had wanted to. In addition to that the notary made mention that my wife would need to be at signing. I have n't been married for 12 years and in fact Suntrust had requested a copy of my divorce decree which I provided, two months prior. In the mean time another week slips by as I wait for this " simple refinance '' to be completed.
Product: Checking or savings account

My investment account was frozen unexpectedly I cant withdrawal it after making several complains after several tickets being made after calling for 5 days in a row nobody ever called me back I just keep getting the run around
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several loans that i borrowed back in XXXX while in college, right now all of my loans have been consolidated and out of default. i contacted the dept of education and they have already worked with me to get those loans consolidated and i have applied for the income driven repayment plan that will allow me to make monthly payments after the COVID pandemic. i am working with a credit fixing agency and it is taking them longer to remove those negative items out of my report and my credit score remains the same. i am reaching out to see if you are able to fix this issue. Thanks.
Product: Debt collection

I am writing to dispute inaccurate information on my credit report by all three credit bureaus, which has been reported by XXXX XXXX XXXXXXXX. I previously settled my debt with this company in full. However, the report inaccurately shows that only a partial payment was made. This is false, and I am attaching proof of the settlement, which clearly indicates the payment was a full and final settlement of the account. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy of the information reported. As the reporting from this company is not accurate, you are obligated to remove this incorrect information from my credit report. 

I have already paid the full settlement amount, and the companys continued misreporting violates credit reporting laws. Therefore, I demand the immediate removal of this account from my report, as the company is not reporting the facts accurately.

Attached, you will find documentation proving the full settlement of the account. I expect the erroneous information to be removed within [ timeframe, e.g., 30 days ] as required by law. Failure to correct this issue may force me to seek legal action to resolve this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM XXXX, XXXX OR TRANSUNION. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this issue and still haven't been resolved. 
My rights are still being violated according to FCRA 15 U.S code 1681 Findings and statement of purpose 15 U.S code 6801 Protection of nonpublic personal information 15 U.S code 6802 Obligations with Respect to disclosure -XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX
Product: Credit card

I was overcharged for a rental and I never swiped my card or signed for the charge, yet my Capital Once credit card is being charged for an extra {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 30 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 XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea who santander is and why they have an inquiry on my credit. I did not apply for anything through this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are closed, but not deleted. Recently I did anon my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that those accounts were property investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. RESOLUTION As a consumer, by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating and/or deleting the accounts listed in my dispute. In conclusion the I did give consent to any of the parties involved.

ref : 16 CFR 313.4- initial privacy notice to consumer required.

16 CFR 313.8- Revised Privacy Notices 16 CFR 313.10- Limits on disclosure of non-public personal information to nonaffiliated third parties.

15 USC 6821- Privacy protection for customer information of financial institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX, Date : XX/XX/2017, Account # : XXXX, Amount : {$280.00}, Date : MAIN XXXX XXXX NOT MINES. IM TRYING TO KEEP MY LIFE HERE IN AMERICA. ITS NOT MINES I SENT A LETTER PLEASE. THE COMPANY IS NOT RESPECTING. THEY SAY NOTHING AND KEEP HARASSNG ME. PLEASE DO SOMETHING
Product: Debt collection

I disputed item reported to a debt collector. I never paid the amount owed, as I went through a third party. Affirm reports item as correct, obviously. I never paid this amount. Affirm paid the airline and should be getting the money BACK from the airline, not me. I canceled the trip well before departure, so WHY would I pay them for something that never happened? Airline tried to apply a credit to be used within the year but again, I CANCELED the trip. This should NOT affect my credit. I will tell everyone I know that Affirm does not provide good business tactics, and that they are thieves.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

to whom this may concern I pulled a copy of my credit report and noticed a charge off, which is defined as debt that has been discharged that your agency took a tax write off on. After I contacted the IRS, they explained that it was illegal that you were reporting this information on my credit report, with trying to collect or having a charged off status Furthermore, the IRS has directed me to XXXX XXXX XXXX for illegal tax violations upon your company to resolve this matter
Product: Credit card or prepaid card

I purchased items on XX/XX/2020 online with XXXX XXXX. Merchant stated item would be sent out within a week. Cancellation can be requested if they do not ship out within 25 days. On XX/XX/2020 I emailed merchant requesting cancellation since 25 days had elapsed. They did not respond or acknowledge my request for cancellation. On XX/XX/2020 the items were received by me, which I did not want at that time. I emailed merchant, again no reply. I contacted Apple Card to open a dispute, and Apple Card told me that they would not open a dispute unless I send the merchandise back. So on XX/XX/2020 I sent the items back to the merchant, and they were received on XX/XX/2020. At this point Apple Card was investigating my dispute, but 2 months later aided with the merchant with the decision that I had made the purchase. I reopened my dispute, stating I had cancelled my order, returned the merchandise per Apple Cards guideline for opening a dispute, and at this point I just want me money back. Per the merchants website, refunds are not given unless the stated shipping time has elapsed ( 25 days ) or you have received the product ( which was almost 2 months ). Also per their website, they wont refund purchase unless its within 30 days, which is completely ridiculous since they dont plan on sending merchandise until at least 25 days after order date. I have already filed a complaint with the New York XXXX against this company, and last I checked their website is no longer active. Apple Card has repeatedly sided with the merchant, refusing to acknowledge the deceptive shipping/refund policy of the vender, as well as the fact that I tried in good faith to cancel my order per the websites stated shipping policy. Instead, Apple Card insists I made the purchase, and they also insisted I return the merchandise before they would even consider opening a claim for my dispute. So I feel like Im being mislead and treated unfairly. Im tired of dealing with this matter and having the same decision even though I have returned the merchandise and tried to work within all stated policies.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a XXXX XXXX letter according to 1022.142 ( b ) ( 6 )
Product: Debt collection

I was stuck by an overspeeding XXXX yr old lady and I have enough evidence to prove in the court of my claims which i can not detail here as it is still on going court hearing. 

Her insurance company XXXX XXXX however hand over me to Wilber trying to collect money from me. It has been written by XXXXXXXX XXXX XXXX XXXX companies and been informed and also that there is a court case on going. Yet, Wilber will continue to collect from me and never stop calling and writing me letters. 

It is very destructive that I am now suffering of emotional and mental anguish both from accident and the non stop collection of XXXX XXXX XXXX XXXX Insurance Claims XXXX XXXX XXXX XXXX AZ and Wilber XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX  and Wilber always sent mails on my residence which is unwelcome. My correspondence is only my P.O. Box especially they are charging of a bogus claim is very detrimental and adversely affecting my health that worsen my XXXX XXXX XXXX and XXXX XXXX Also, they make phone calls and fabricate lies to collect money from me such as that XXXX told them I have no insurance when accident happened when police was on site of the accident and that I admitted to XXXX via statement I was at fault which pure lies. These all very destructive affecting also my income. I cant even work properly with what they are doing to me. I was even XXXX of the car accident that their over speeding driver did and instead of me collecting from her, all together they are charging of the accident when my car was 88 % wreck of the accident in 25mph while I was in full stop. Evidence will be provided in court.
Product: Mortgage

Due to an account takeover attempt at another bank, my bank accounts were all closed and I was issued new bank account numbers. 

Changing the account number for TD to ach my monthly mortgage payment has been time consuming and full of mistakes. I repeatedly asked for a supervisor to email me and never got one. 

I need XXXXt to : XXXX. Waive their three ach payments returned and your kicked off ach rule. 
XXXX. Correct the amount of the ACH withdraw to match the required loan payment, adjusted accordingly for changes in escrow. 

TD either incorrectly setup the monthly payment via ach, or provided the wrong form when I requested to change the account. The required payment and an extra principal payment is being removed. 

Third, it should not require a paper form and a check in this day and age to change an account number. 

Fourth, I should not have to wait on hold for an hour each time to pay them. Their website was not able to take a one off payment. 

XXXX, it should not take weeks to process an account number change. This made it so that I had to sit on hold and extra hour because they had not updated my account in time. 

It took 4 hours of my time to change the account number and pay td bank in the interim while they changed the account number. That's just crazy when you multiply that times the number of customers. This should be processed online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 36 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit card

I applied for my own credit and was denied through Citi Bank Application ID XXXX my rights have been violated and I'm excersing my rights as per the equal credit opportunity act. 
I entered into an application of securities and received no valuable exchange. I demand my application to be approved or for my application to be returned. 
denial of this request will result in securities fraud. 
This also falls under discrimination and I have been injured. 
being denied my own credit has brought me much humilation and heartache. 

I also never gave any written consent for you to sell my information to any third parties. 
remove all hard inquiries from any and all reporting cooperations.
Product: Mortgage

HERE ARE THE DOCS THAT WERE SENT IN 2014 THAT NATIONSTAR SAID THE DID N'T RECEIVE. THEY FAILED TO FOLLOW THE HOME OWNER BILL OF RIGHTS. THEY ALSO VIOLATED CIVIL CODE XXXX XXXX XXXX XXXX CA LENDING /SERVICING BUSINESS CIVIL CODE XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 8 inquiries on my credit report that are not mine I have not inquired for anything like this or know what they are for I need them off my credit since I have been disputing these since XXXX. 

XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX
Product: Student loan

MOHELA will not process my application for a lower payment plan, that was submitted on XX/XX/XXXX. In the meantime, my only options are to have my payments deferred and forfeit any credit for payments made toward public service loan forgiveness ( PSLF ), or make payments higher than the amount I should be paying, on the payment plan I applied for, but after significantly delays, has still not been processed. They do not respond to messages. I waited over a month for an answer to a question and only received a message after waiting all that time, that someone would answer my question " soon ''. They said I didnt owe a payment during the month of XX/XX/XXXX, eventhough I was not in deferral, but could not tell me why. I told them I wanted that month to count towards PSLF, but again said if I made NO payment, it still would- which makes no sense. Now I have a statement for XX/XX/XXXXXXXX  with the same high amount that reflects the payment plan not being processed still. This company is poorly run and I'm terrified that they are in charge of my student loans and basically my financial future, as I am trying to get student loan forgiveness in the near future. Since they are the servicers for the PSLF, and the holders of federal loans, they should be held to a higher standard. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several hard inquiries on my credit file that significantly impact my score that I did not authorize. Here is a list of the inquiries and dates : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX and Transunion credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$1000.00}
Product: Checking or savings account

I place an order on XXXX website and paid {$460.00} on XX/XX/year>. But i never got my order. I contact their agent and supervisor requested me to file police report and fax to their team. But after i done all they requested they didnt help me anything. Then they ask me to dispute with bank. But after i open dispute case with bank more than 40 days already, i still didnt get my money back also not temporary credit apply to my account. Please help me. The attach document is police report