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

On XXXX XX/XX/XXXX. Vehicle was stolen. When recovered. XXXX said they were picking it up. Payments and insurance paid during time. Get notice from salvage yard and contact Victims of.crime and XXXX. Both agreed to pay any and all fees. XXXX say they are retrieving vehicle. Salvage yard said they were coming. They leave vehicle never pick up or notify me that they were not. I continue to pay and pursue vehicle return until XXXXXXXX XXXX XXXXXXXX. Was told by XXXX they would ruin my life and attach my pensions. In XX/XX/XXXX company sent to retrieve vehicle from my possession ( last payment made was XX/XX/XXXX. Get 6 months of negative teportinh on my credit report a repossession then a charge off. If they ever retrieved vehicle I was never given a default notice so they broke XXXX and Ohio XXXX in reporting a loss they could have prevented. Ruined my credit paying extreme interest due their callous disregard of laws in place which govern the procedure. Had purchased GAP insurance, Cost Guard and was fully insure till stopped paying at the advise of Ohio XXXX XXXX theft agent. Say they do not want to settle their or resolve issue. Contacts never returned calls.
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 has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX - XXXX, has violated my rights. 

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

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

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

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

In Accordance with the Fair Credit Reporting act, XXXX  XXXX / XXXX, has violated my rights. 

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

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

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

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

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

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

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

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

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

In Accordance with the Fair Credit Reporting act,, has violated my rights.

In Accordance with the Fair Credit Reporting act,, has violated my rights.

15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023, i sent letters to the CRAs ( XXXX, EQUIFAX, AND XXXX  XXXX disputing the inaccurate personal information that they are reporting on my credit report that can lead to identity theft.Asking them to update and correct it as soon as possible and i have attached copies of the letters below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two personal loans on my credit report from Navient. I have no idea what these are or the amounts. The loans have no account numbers on the report and Navient is no help. the loans are for {$18000.00} and {$27000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is account is being reported to my credit by EXPERIAN as 23 Charge offs which is abuse. 

The account is in the amount of {$3200.00} I GIVE EXPERIAN PERMISSION TO HANDLE THIS
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXXXXXX XXXX XXXXXXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

SEE PICTURES UPLOADED
Product: Credit card

Hi, hope all is well. I am reaching out regarding an issue with Chase Bank on the business banking credit card side. I opened a chase Ink card through Chase with a signup bonus of XXXX back in XX/XX/XXXX. I completed the requirements but was issued only XXXX points. I reached out to the people that I directly worked with to have the acct opened and received no response. 

I also reached out to the support number on the back of the card - the agent confirmed that I should have been credited the remaining XXXX points but a week later, received a letter from Chase saying that I was not eligible. I have escalated this issue to no avail. 

Please see below note and attachments for additional information. Thanks! 

XX/XX/XXXX : XXXX XXXX, a XXXX XXXX employee reached out regarding a XXXX offer for a XXXX XXXX card. I said I will sign up. He connected me with XXXX XXXX who sent me paperwork online. I completed the paperwork and was approved. 

XX/XX/XXXX : Sign Up bonus posts, but only for XXXX. I email XXXX but not surprisingly receive an out of office reply given the holidays. I call chase support and speak with an agent who confirms that I should be getting the remaining XXXX points. ( There was a case ID but i have lost that record ) XX/XX/XXXX : I receive a Letter from XXXX stating that I am not eligible for the XXXX bonus. There is nothing else on it. 

XX/XX/XXXX : I email XXXX XXXX- receive no response. I raise this to XXXX- and still no response. I also raise this in person later in XXXX. 

It's nearly a year and I am resorting to the CFPB for assistance please. Thank you
Product: Debt collection

I have requested from ERC that they provide account-level documentation to me to verify XXXX accounts that this collection agency is reporting to the XXXX credit reporting agencies. This collection agency has not replied nor have they contacted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  inquiry XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year> has violated my rights.5 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several days this week (XXXX XXXX, 2018), I've been trying to lift a freeze I placed on my credit with Transunion last year during the XXXX security breach. Trying to speak to a live person resulted in five dropped calls (on overseas lines). I have forgotten my pin and Transunion provides no on-line avenue for retrieving a lost pin. What they do is ask for a letter including all types of personal information that include a current address, However, the reason I need my credit freeze lifted is that I've relocated and am unable to get a car insurance quote because of the freeze, so I can get the insurance I need to get a new license and registration in the state to which I've moved, which will evidence my current address. I finally spoke to an overseas rep who said the company was snail mailing my pin to me. I have no way of knowing if this is true. I was able to ascertain from an XXXX  rep that they had placed no security freeze on my credit, and XXXX provided me with a way to retrieve my pin and lift my freeze with them. There's absolutely no reason why I shouldn't be able to retrieve a forgotten pin on line with all of the private personal information this company requires just to speak with you. What I initiated as a way to protect myself is now impeding my ability to establish myself personally and professionally in another part of the country. Bottom Line: Individuals should be able to retrieve their own PINs and lift a security freeze without the communication contortion I have experiences.
Product: Checking or savings account

BMO Harris Bank ( XXXX XXXX XXXX ) XX/XX/2018 : There is a pending charge of {$150.00} on my checking account. At the time of the charge pending there was only about {$6.00} in the checking account. To avoid fees and returned items the bank advises to make a deposit before XXXX CST. I make a deposit of {$140.00} cash with a receipt time stamp of XXXX XX/XX/2018 ; I go on to deposit {$160.00} in a check from a local bank with a time stamp of XXXX XX/XX/2018. The next morning about XX/XX/2018 about XXXX I check my account online and see that the only deposit showing is the check deposit of {$160.00} ; the cash deposit is no where in sight. I contact the BMO Harris 24 hour customer service line and I speak with a representative who informs me that she also is not showing a cash deposit and advises me to launch an investigation. I do so by providing the deposited amount and the ATM location. My main focus at this time is to ensure that the pending item is paid. I am advised to contact the ACH department before XXXX CST to request the item to paid. I do so and am denied with the bank citing no available funds to honor payment of the {$150.00} item ( my account was still reading a negative balance of - {$140.00} at close of business XX/XX/2018 ) and I was charged a {$35.00} returned item fee from BMO Harris and later a {$25.00} returned check fee from the merchant. I stayed on the phone with this bank from XXXX until close of business XX/XX/2018 ; to no avail my item was returned. On XX/XX/2018 the {$160.00} check deposit was made available, the {$140.00} cash deposit was made available, and {$140.00} provisional credit ( for the missing deposit ) was made available, there was a reversal of a provisional credit of {$500.00} leaving my account negative $ XXXX. I made a deposit of {$840.00} ; however XX/XX/2018 is a weekend day and I was charged an overdraft fee of {$36.00}. On XX/XX/2018 the provisional credit of {$140.00} was reversed and debited back to my account ; I requested the bank to credit my returned check fee of {$35.00} and {$25.00} as well as the overdraft fee of {$36.00}. BMO Harris denied my request citing previous reversal of fees as if they were doing me a favor and all of this was not contributed due to a bank error. I have spent over 14 hours trying to resolve this matter ; no one listens and no one seems to care.. Please note the morning in which I opened the investigation I did not have my receipt from the deposit as I had thrown it away ; to aid the investigation ; I left home at XXXX to go through trash at a laundry mat where I had thrown the receipt away, on the way home I have a car accident ; I call BMO Harris to inform them I now have the receipt to add to the claim and the representative says she doesn't need it, the investigation was already sent! Horrible service a perfect example of why companies need to use uniform customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called/written to dispute this inaccurate information on my credit report and let them know this information is inaccurate. I have sent the recommended documents to get this resolved. The following accounts are listed incorrectly XXXX XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX/XXXX, The XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I filed disputes with all three credit bureaus. I have yet to received ANYTHING from them .. This is 100 % unacceptable. Since this was on done XXXX you cant use the holidays as an excuse. I understand with covid things are slow but this is right. Attached is the first disputes I filed
Product: Credit reporting

Experian is stalling the resolution of the investigation of my complaint against them by asking for more information that was already sent to them in my last credit report dispute - information that they recognized receiving by giving me a dispute number for it.
Product: Debt collection

Dear Midland Credit, XXXX XXXX XXXX, and CFPB, I am filing this formal complaint regarding an account with an alleged balance of {$2400.00} that appears on my credit report, which I dispute vehemently. Despite my dispute with the credit reporting agency, they confirmed the account 's validity based on your response. I have no recollection of any relationship with your collection agency or the original creditor, and I believe there are significant inaccuracies in how this account is being reported, constituting violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

In an effort to resolve this matter amicably, I demand proof of this debt, specifically the alleged contract or any document bearing my signature, as well as proof of your authority in this matter. Without such documentation, you are obligated to correct any erroneous reports of this debt under my name. 

Please provide the following information promptly : Documentation evidencing your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) regarding this alleged debt. 
Explanation of the legal basis for your collection of information. 
Explanation of the legal basis for your collection of this alleged debt. 
Proof of your authorization to conduct business or operate in this state. 
Evidence of the alleged debt, including any contract or document bearing my signature. 
A complete account history, detailing all charges added for collection activities. 
I am formally complaining about violations of my consumer rights under various sections of the FCRA and FDCPA : Under FCRA 15 U.S.C. 602 ( a ), I have a right to privacy, and according to 15 U.S.C. 604 ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions. 
I demand an immediate cessation of all communication and collection activities related to this account. 
I request the immediate deletion of this account from my credit report as I have no knowledge or contractual obligation pertaining to it. 
Your actions have severely impacted my credit report and financial standing. Specifically, I allege violations of the following sections of the FDCPA : 1692d : Harassment or abuse in connection with the collection of a debt.

1692e : Use of false, deceptive, or misleading representations.

1692e ( 2 ) ( A ) : Misrepresentation of the character, amount, or legal status of the debt.

1692e ( 5 ) : Threatening legal action that can not legally be taken or is not intended to be taken.

1692g ( b ) : Conducting collection activities that overshadow or contradict the disclosure of my right to dispute the debt.

1692f : Use of unfair or unconscionable means to collect or attempt to collect a debt. 
I demand the immediate removal of this account from all credit reporting agencies. Your prompt attention to this matter is appreciated.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Mortgage

We purchased a home XX/XX/XXXX. Opening balance with PennyMac was {$320000.00}. 
We made payments on time up until we went into forbearance. We resumed regular payments for a period of time again, then again went into forbearance. As of XX/XX/XXXX our principal balance was {$320000.00}. XX/XX/XXXX we sold the home. The Payoff to PennyMac came back as {$330000.00}. Not only did we have that payoff, we had a payoff to HUD for {$7800.00} that we were told was paid to PennyMac for the forbearance. In total we paid off {$340000.00} at closing. 
I put in a phone call to PennyMac asking how we owed over {$11000.00} more than what we opened the loan. PennyMacs online payment details were extremely hard to follow, and the customer service agent couldn't even make heads or tails of it. He told me he felt like we should not owe the additional {$7800.00} to HUD and that we were being overcharged at payoff. That being said, he couldn't give me any more guidance other than to contact HUD and talk with the Title company. Needless to say it has brought me to this point. I have had no adequate explanation or documentation from PennyMac as to how we owed so much money at closing. 
This home is now closed, and PennyMac and HUD paid off as we could not close on the home without doing so. I am asking for a review and an explanation and/or reimbursement of overpaid funds to PennyMac.
Product: Credit card

I paid off my credit card and closed the account and even though I paid it off before the statement closing date they are still charging me interest on a XXXX balance even though when I signed up for this credit card I was told if I paid the statement in full I wouldn't be charged interest. I was then told that because I paid the minimum payment until now that that rule doesn't apply to me and that my minimum payment has accumulated interest and if thats the case then they are charging me XXXX percent interest which is more then signed up for. Sounds like a scam to get more money out of their consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was charged off and I paid Amex directly. I was told that once paid account would be deleted from credit report. Over the years I didn't realize that it was still showing and as a negative account. Called them and was told there's nothing they can do I have to wait for it to fall off ny report. So basically they lied for me to make the payment then didn't keep up with their end of the bargain
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX  Balance : {$520.00} XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX  Balance : {$450.00}