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

I turned my lease in on XXXX and Ally Financial sent me a bill for {$1900.00}. 

They are claiming the a rear taillight was cracked, a tire was below the tread line and I was a few days late on turning it in. 

Tail light : I took pictures of the entire car inside and out and I sublimed the picture to them but they claimed the picture was inconclusive, bottom line taillight was not cracked. 

Tire : I replaced all 4 used tires before turning in I verified the tread before purchase and they were acceptable. 

Turn in Date : I turned in the vehicle on XXXX but Ally sais I turned a few days later than that. I have proof from the dealership that I did turn it in on the XXXX.
Product: Debt collection

Here is a copy of the I'd theft report for your records. Please remove the item from my credit report permanently. Please remove the item from my credit report until your investigation is over.
Product: Debt collection

I payed this company comenity bank XXXX XXXXXXXX for a XXXX card in full in 2018 also a XXXX card. I payed the accounts for deletion & they have not been deleted from my credit reports. I think its very unfair that I payed these debts 3 years ago in full and it is still affecting me. Although when I became behind on these cards I reached out to them and let them know that I had lost my job because the company was sold and everyone stayed out of a job. They hit me with sooo many fees I still payed the accounts in full when I was able to do so. If I would have known that they were not going to keep their word and delete them from my credit reports, I would have simply not payed them. Its affecting me the same as before I payed it.
Product: Student loan

The loan servicer, NelNet, continues to make changes to the amount I am supposed to pay, in spite of a letter from them dated XXXX/XXXX/16 acknowledging that I have been approved for the income-driven repayment plan and that my payment will be {$130.00}. First, they deducted several XXXX dollars from my checking account with no notice, this deduction was not authorized and it was unwarranted and incorrect. Now they have for some unexplained reason put my loans into some sort of forbearance with no notice to me or explanation that this is happening. 

I work in a non-profit and all I want to do is make XXXX on time payments so that I can apply for PSLF. 

I think this company is shady and purposely is trying to extend the life of the loans and the capital balance so that they can charge the Dept of Education as much as possible and increase their profits. Some investigative journalist ought to take a look at it. I 'm sure plenty of loan holders and plenty of front line customer service employees will have lots to say.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three Credit bureaus to report inaccurate information on my credit report - I have submitted a dispute on these inaccuracies multiple times and their investigation isn't valid. Every time the account comes back verified - I sent them the results from my previous complaint on file with CFPB -with XXXX XXXX XXXXcomplaint # XXXX. In that complaint XXXX XXXX states : " XXXX neglected, however, to mail the deficiency letter until XX/XX/2022. Throughout this entire process, XXXX attempted to collect the deficiency balance. Then, on XX/XX/2022, XXXX charged off the balance to a third party collection agency which prompted your inquiry. XXXX regrets your recent calls were unsuccessful in providing the necessary research. '' I sent a copy of the results to all credit bureaus but they are refusing to delete the status as in repossession or paid repossession - the vehicle was totaled- paid by gap and car insurance and then XXXX XXXX failed to bill me for the balance for an entire year - added the car as a repossession and charge off on my credit report. The Charge off has been deleted but it still states repossession / delinquent - this is inaccurate and now stopping me from purchasing a home and a new vehicle for my family.
Product: Credit reporting or other personal consumer reports

I woke up this morning to find incorrect accounts on my credit report, and I have no idea how they got there. I check my credit report regularly, and suddenly, there were discrepancies that I wasnt expecting at all. I even tried refreshing my browser, thinking it might be a glitch, but the wrong accounts were still there. This has left me completely baffled, and I need the documents Ive sent to be carefully reviewed so I can stop worrying about this happening again.
Product: Debt collection

: I have medical Insurance and they refused to take down information. Please advise to charge :   XXXX   XXXX   XXXX   XXXX   XXXX   Member ID   XXXX   XXXX   Member   XXXX  Provider  XXXX  9091 Dental   XXXX   Pharm/Hosp   XXXX
Product: Student loan

In XX/XX/XXXX my daughter wanted to attend XXXX XXXX University in NC. She had just graduated from high school and having made XXXX throughout school I did not hesitate to help her when asked to help with school loans. My daughter later transferred to XXXX XXXX University in NC to pursue her XXXX because XXXX had a three year waiting list on their program. Once again I supported my daughter. She was maintaining a good GPA and taking college seriously. We hit a few bumps along the way with my daughters emotional stability and in XX/XX/XXXX she was diagnosed with XXXX ( XXXX ). She instantly became XXXX dependent on her father and I. I would 've never in a XXXX years thought that this would happen to my daughter. Now my husband and I are left to pick up the pieces of my daughters broken dreams and financial responsibilities. I have XXXX XXXX children and we as a family are barely making ends meet. I encouraged my daughter to apply for total XXXX forgiveness and she was told that I was primary on XXXX loans and they can not be considered for the forgiveness programs available today because these are private loans. Navient has done nothing to resolve my issue or help my family with repayment. They have threatened every inch of livelihood we have. I was told they would garnish our wages and put a lean on own house if we did n't start paying $ XXXX {$700.00} right away. We can not afford that as a family. Also, I feel there should be some consideration made on behalf of my daughter because going into this situation my daughter was in her XXXX and she had every intention on becoming a XXXX and signing a contract with a hospital to get her loans paid off. As you have read things did not go as planned. XXXX I am asking for help because no one seems to understand the struggle that our family is going through! My daughter consigned on all XXXX loans and I feel she should be eligible for a forgiveness programs because she was the one enrolled in college. I was not given any other options from Navient. They want the money or say that I will lose everything we have worked hard to keep. I 'm scared to think about where my family will be then. Can I be considered for forgiveness due to this circumstance? If not, I 'm in debt for almost {$100000.00} with no way out. Please help my family today!
Product: Credit card

The first situation I sent my money to the wrong person on XXXX XXXX but the account is know longer being using because the person never excepted the money. 

The second situation is I lost my phone and found it later that night but someone had sent money from my XXXX to XXXX
Product: Credit reporting or other personal consumer reports

According to federal law, as a consumer I AM ABLE TO OPT OUT OF sharing my nonpublic personal information and Macys must give me that option. Macys failed to do so. Macys CBNA Credit Card Agreement wasn't clear, concise, or reasonable for me to understand. There is no such law that states anything needs to be reported to anyone. Congress declared that consumer reporting agencies have ASSUMED their roles. 
15 USC 1681 SECTION 602 A. States I have the right to privacy 15 USC 1681 SECTION 604 A SECTION 2. States a consumer reporting agency can not furnish an account without MY WRITTEN INSTRUCTIONS.

15 USC 6801 Protection of non-public personal information States each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information Confidentiality : The legal and ethical duty to keep certain information secret and not disclose it to others without proper authorization. Confidentiality is a fundamental principle in various areas of law, especially consumer transactions. Breach of confidentiality can result in legal consequences and is governed by specific laws and regulations. The obligation to maintain confidentiality is critical to preserving privacy and trust in professional relationships and business transactions. 

Furthermore this account is incomplete, inaccurate, and missing data which further violates the FCRA.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Dispute Regarding Late Payments on XXXX XXXX Account Dear CFPB, I am writing to formally dispute inaccuracies in the reporting of late payments on my XXXX  XXXX account, as reflected in your records. This is my second dispute regarding this issue, and despite my previous submission, no corrections have been made. I kindly request that you re-investigate this account in accordance with the Fair Credit Reporting Act ( FCRA ). 
Reason for Dispute The reported late payments for this account are inconsistent with my records, which show that I have consistently made payments on time. Specifically, the reported XXXX, XXXX, and XXXX late payments reflected in your records ( XXXX instance of 30 days late, XXXX instances of 60 days late, and XXXX instances of XXXX  days late ) are incorrect. I have attached supporting documentation, including account statements and a detailed payment history, proving my timely payments. 
Evidence of the Error I have reviewed my payment history thoroughly, and it demonstrates the following : All payments were made on or before the due date. 
There is no evidence of late payments in my account records. 
My previous dispute outlined the same inaccuracies, yet your records remain unchanged. 
Request for Investigation As mandated by the FCRA ( 15 USC 1681i ( a ) ( 1 ) ( A ) ), I request a thorough investigation of this account. Additionally, I am requesting the following : A detailed description of the investigation process you followed for my previous dispute. Per 15 USC 16811 ( 7 ), you are required to provide this information within 15 days of my request.

Proof supporting the claim of late payments on this account, including dates, amounts, and any relevant communication. 
If you can not verify the accuracy of the late payments, I demand that the account be promptly updated to reflect its correct status : Paid As Agreed Never Late.

Reference to Legal Obligations Under the FCRA, credit reporting agencies must ensure the accuracy of all reported information. Additionally, per 15 USC 1666 ( b ), creditors are required to mail periodic statements at least 21 days before payment due dates. I demand evidence that these obligations were met.

Resolution Timeline Per the FCRA, you must complete your investigation and provide me with a written response within XXXX  days of receiving this dispute. Failure to comply will constitute a violation of federal law. 
Supporting Documentation Enclosed, you will find the following : A copy of my Social Security Card for identification purposes. 
A copy of my government-issued photo ID ( Drivers License/Passport ) to verify my identity. 
A copy of my credit report highlighting the inaccuracies. 
I expect prompt action to rectify this matter. Your cooperation is essential to maintaining the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me. 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 have a police report I did not open these accounts # XXXX
Product: Mortgage

On XX/XX/2000, I borrowed {$290000.00} on a Line of Credit with XXXX XXXX to purchase my home At XXXX XXXX XXXX, XXXX, Nj XXXX. The loan was repaid on XX/XX/2000 when I got a mortgage, I recently found I still have a lien on the property related to this loan from XXXX XXXX.XXXX  merged with XXXX and XXXX with Bank of America, .I have contacted Bank of America and they have been no help. They pretty said, It's your problem, figure it out. By the way there haven't been any transactions related to this XXXX XXXX line in 19years, Of course there is no XXXX anyway. 
As you can imagine after 19years and being flooded by hurricane XXXX, I have few records related to these transactions. 
I need this lien discharged so I can get a Line of credit with XXXX XXXX. 
Bank of America has me call Customer Service @ XXXX who simply repeat what they have on their system. There is an email address XXXX XXXX  XXXX with ID # XXXX. They simply delegated the problem back to me. 
I need your help to get Bank of America to rlease this meaningless lien as the sucessor to XXXX/XXXX.
Product: Debt collection

I request that the CFPB investigate this matter and take appropriate action to ensure that Credit Corp Solutions either provides proper documentation validating the debt or removes the account from my credit report immediately. Additionally, I ask that any incorrect information be corrected to reflect accurate and fair reporting. 

Enclosed are copies of my credit report, dispute letters, and any relevant communications related to this matter for your review. Please keep me informed of any updates regarding this dispute.
Product: Credit reporting or other personal consumer reports

I have been trying to get in contact with Experian to request that they send me proof of the source where they received the bankruptcy information being reported on my consumer report at this time.
Product: Bank account or service

For several months now i been having trouble trying to balance my checking account with JP Morgan Chase. Since every time a transaction happen they blame the merchant for when they process the bank and I keep getting charge over draft fee 's. When for example the most recent transaction happen XXXX/XXXX/2016 ; I have over XXXX worth of fee 's after I just finish getting my deposit from my employer and my account was on the dot. I call to complaint about a transaction and i had a balance of {$2.00} after a {$300.00} payment I disagree but got nothing but an email next day I see all this transaction that happen the week before post in a different order and dates and make me owe now Chase again overdraft fee 's. So why they keep doing this when the transaction happen they take out your balance but they posted later differently and make the account be overdraft. I think this a dishonest way of doing business and making this inconvenient for the consumer that really needs a checking account now and days and ca n't talk to their representatives or manager because they just do n't care we have to pay. Now my account is {$200.00} over draft after that conveniently they cover my transactions when to begin with the money was there and if XXXX item was not available then I understand the overdraft fee but not for XXXX items that originally the money was there and if not they would n't decline my transaction this is deceiving and incorrect they need to have a better way of handling this. So far this year I believe I had paid them like XXXX or more. This is not a way of a bank secretly disobeying the rules put in place by fdcpa & cfbp.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting me as an Authorized User on XXXX  XXXX partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Credit card or prepaid card

I recently applied for the Barclay 's XXXX Visa Credit Card on XX/XX/XXXX under the assumption that I would receive the advertised cash back rewards, and my application was immediately accepted. Two weeks later, on XX/XX/XXXX, I received an email that the entire reward system will be changed entirely where, among many other sore points, accrued points will now only be eligible for XXXX points. I called the support line on XX/XX/XXXX to voice my discontent with the sudden change, but the customer representative simply said there was nothing they can do, that the program changes were unilaterally decided by XXXX. 

The advertised rewards pale in comparison to what they are offering now, so I can't help but feel as if I was deceived into opening this account. It just seems as if the promoted benefits were just a part of a bait and switch operation to get individuals to sign up for the credit card.
Product: Checking or savings account

I have a business checking account at JPMorgan Chase bank, there is an unauthorized cash withdrawal that happened on XX/XX/2022, the perpetrator withdraw {$5000.00} cash from my business checking account.Already Notify the locate chase brand ( XXXX XXXX XXXX, XXXX, NY XXXX ) regarding this matter. Based on the withdrawal slip Image I download from my Chase Moblie APP, it wasn't my signature on the withdrawal slip, and I have my ID, and Business Debt card with me all the time.
Product: Mortgage

I made two payments on my loan XX/XX/XXXX with Pulte Mortgage. both payments were credited to my account XX/XX/2016. I was anticipating my XXXX IRS reporting form to include all payments made and credited to my account XX/XX/2016 but it did n't. Pulte only gave me credit for one payment telling me that it is against the law for them to give me credit for the 2nd payment XX/XX/2016 ( although it was credited to my account ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to open a new bank account. 
The bank said I placed a freeze on my Experian account and all I needed to do was contact them to have it lifted. 
I called Experian. Their initial contact recording kept saying my s/s number is incorrect. I could proceed no further. 
I went to their website. It said I was not using the correct format for my address. To solve the problem I could delete my pin number to bypass the problem. I took out the pin entry, but still could not get past my address. 

This company needs to have real people answer the phone, or real people answer a chat to solve simple problems like this that should not have happened in the first place. They even control whether I open a bank account or not!
Product: Debt collection

PLEASE PROVIDE CONTACT INFORMATION FOR CREDITOR XXXX XXXX AND XXXX OF DEBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

-On XX/XX/XXXX I renewed an Initial Fraud Alert on the XXXX website. It expires XX/XX/XXXX. I have been placing these alerts on XXXX since XX/XX/XXXX. I have always assumed that these alerts would be automatically applied by the other two credit agencies, XXXX and Equifax. 
-On XX/XX/XXXX ( today ) I logged into the Equifax website to check an alert they sent me. I have a temporary one year free membership to Equifax because of a data breach at a business where I am a customer. The Equifax site showed that I had no initial fraud alert in place. I called their support number and determined that Equifax had never placed an initial fraud alert on any of my credit reports. The agent applied it manually for me. 
-- The agent said that Equifax had received the notification from XXXX, but that it was an " update '' rather than an " add '', and that Equifax did not act on the notification, leaving me with no protection on their credit report. I told her that they had violated my trust and probably a federal regulation and that I wanted to talk with someone in charge. She refused any further comment and said my only recourse was to file a complaint with CFPB, which is why I'm here now. The agent gave me a case number : XXXX. 
-- I double checked my XX/XX/XXXX XXXX credit report and saw that it contained a Personal Statement that confirmed my initial fraud alert info from XXXX, so it would appear that XXXX had no trouble processing the renewal from XXXX. 
-- I am unable to check a recent Equifax credit report because it always fails when I try to obtain it through XXXX. The other two reports always come through with no problem. 

-In conclusion, I am very fortunate that I happened to be able to get free access to Equifax 's website and see that my credit report there was unprotected. My phone conversation with their agent was valuable in that I was able to confirm that they had mishandled the notification from XXXX, and I was able to get the alert placed on my Equifax report manually. 
-Unfortunately, I'm not confident they will follow the correct procedures in the future. Once my hacking related free Equifax membership expires in a year, I won't have any way to confirm that they are properly applying subsequent initial fraud alerts.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), and XXXX XXXX ( Account Number : 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 an 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 card

On XX/XX/XXXX i lost my debit card with My USAA account and I had one sent to XXXX XXXX XXXX XXXX XXXXXXXX XXXX. There I lived with my current boyfriend from XX/XX/XXXX to XX/XX/XXXX. I lost my XXXX XXXXXXXX as well in that house along with my college ID to XXXX XXXX, my daughters XXXX XXXX Card and our XXXX XXXXXXXX Card. My boyfriend sold that house to his friend XXXX and XXXX XXXX that own XXXX XXXX XXXX XXXX  off XXXX XXXX XXXX XXXX XXXX. Anytime I've tried to get on the phone with USAA i never get through I always get a ID verification or ID issues. I need your help shutting down the fraud in this consumer world because this is one of many businesses that give me the run around. I honestly know deep in my heart they are just stalling to keep me from accessing my money because its XXXX money I inherited and now a divorce that took place here in XXXXXXXX XXXX the court house is now doing fraud under my name and my daughters name. I hope you guys will help me resolve my financial theft of services from all these corporate businesses. 
Thank you. 
Sincerely, XXXX XXXX & daughter XXXX XXXX. 
XXXX XXXX XXXX XXXX and My daughter is XXXX XXXX XXXX.