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

My former employer and financial institution was currently investigating all of my account checking saving loans credit card and my internal profile based on it being internally being compromise XXXX of XXXX. I did over 6 appeals based on they would not investigate appropriately and denied fraud claim although it was happening will speaking with there representatives. 
Last Appeal was submitted on XX/XX/XXXX, which would not be concluded until XX/XX/XXXX. However on XXXX XXXX the repossessed my vehicle without notice or cause. I reach out to the company with no assistance and reach out to the local police department without assistance either. After that the drag out the sale to XX/XX/XXXX and sold my vehicle XXXX below market value.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dated Material - [ Wednesday, XX/XX/2020 [ Early Prior Knowledge Developmental Summary Report ] Identity Report Summary with Possible Relations where the victims/claimant Identity was subjected to a conflict of Interest with the ; Federal, State and  Local Government Operations ] : While living in the State of Michigan Ive been unable to find sustainable -- - Career Opportunities thats financially sustainable where Im able to afford the major essentials such as sustainable transportation due in part to my low credit score where Ive learned prior that my social security had in fact been manipulated fraudulently from a -- - Foster Care Social Services Agency Provided by the State of Michigan where the Agency named ; XXXX XXXX XXXX XXXX and the State of Michigan takes sole guardianship over your private essential documents with supplemental arguments thats sustainable and sufficient by the State of Michigan and the Michigan Supreme Courts System. However ; prior to ; Foster Care Placement Parental Rights ; is relinquish from the primary parental parents where it was determined that ; XXXX XXXX XXXX, was improperly neglected by his or her Parental Guarding therefore ; the State of Michigan and the Foster Care Agency, than appoints the -- - choice Foster Parent as Full Parental Guardianship of the -- - Foster Child ; who is determined as a State Ward in custody of that Foster Parents Care from the time of entry until he or she has phase out of the Foster Care Program. 

Recent Active Activities : Most recently, returning from the State of Georgia, while keeping a consistent investigative challenge with regards to my developing credit report and my credit history where Im challenging credit history by bridging the gaps, to my puzzling Identity and how my identity has shown inconsistency with regards to fraudulent errors done by the below documented suspects -- -- other than my own interest which means I had no known knowledge that this type fraudulent activity would take place upon my identity or upon my personal private credit platform. 

With that be stated -- - I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize these vehicle accounts and did not authorize any vehicle to be purchase under my name or identity and never authorize anyone to use my driver license to register any vehicles with the Michigan Secretary of State -- - I request that it be closed immediately. 

Please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files. 

[ XXXX XXXX XXXX ] - [ Victim Recorder ] Leadership Development - [ Leader-Principal ] [ Government Member ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on accounts that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the following accounts : XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX  : Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and provide proof with statements showing that these late payments were late. If proof can not be provided, I demand these payments be updated as on time as they should because I was never late.
Product: Debt collection

Collections from company came up on my credit report XX/XX/2020. I Attempted to contact company via certified mail asking for proof of account and havent received a response because Ive never had an account with them.
Product: Credit card

I am a XXXX XXXX Capital One Credit Card Holder who pays an annual fee of {$390.00}. I paid my annual fee this year in XXXX, and as part of that annual fee, should receive a {$300.00} annual travel credit to use in the travel portal. 

I never received my {$300.00} annual travel credit, so I called their customer service line to resolve this issue. Now, over 4 weeks after my initial phone call, and multiple phone calls back to get an update, they have yet to issue me my {$300.00} annual travel credit, and I have no way to know if they ever will. 

They have not provided me with any timeline as to when they will resolve this issue, and I have heard conflicting information from different customer service representatives.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and identified several inaccuracies that require your attention. Upon examination, I found discrepancies in the reported accounts, including inaccurate account numbers, balances, and payment history. Specifically, the XXXX Account # XXXX contains inaccuracies that violate 15 USC 1681 Sections 602, 604A Section 2, and 1681a paragraph 2 subsection I of the Fair Credit Reporting Act ( FCRA ). 

These inaccuracies have the potential to adversely affect my creditworthiness and financial standing. Furthermore, I believe these discrepancies constitute violations of my rights under the FCRA, including my right to privacy and accurate reporting of credit information. 

Therefore, I am requesting a thorough investigation into the reported accounts and personal information discrepancies, with particular emphasis on the XXXX Account # XXXX. I seek validation of the accuracy of each reported account, documentation of the sources of information, and clarification on any inquiries made to my credit report. 

I urge you to take immediate action to correct these inaccuracies and address the violations of the FCRA. 

I look forward to receiving a prompt response regarding the outcome of the reinvestigation and any necessary corrections made to my credit report. Otherwise legal action will be taken. 


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 BEEN CONTACTING XXXX AND EQUIFAX ABOUT THESE FRAUD ACCOUNTS FOR 5 MONTHS. I SENT IN POLICE REPORT AND FTC REPORT AND THEY STILL DIDNT REMOVE THESE ACCOUNTS. ( XXXX ) XXXX XXXX EMPLOYEES ( XXXX ) XXXX XXXX EMPLOYEES ( XXXX ) XXXX XXXX  ( XXXX ) XXXX  XXXX ( XXXX ) XXXX  XXXX  ( XXXX ) XXXX  XXXX  ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit card or prepaid card

15 U.S. COde 1681b Permissible purposes of consumer report. I did not give permission to report this on my credit report. I have no knowledge of this collection and would like it to be removed immediately. This is 15 USC 1681 ( b ) ( E ) false information
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple hard inquiries reported on my credit report. On my XXXX credit report, the following are unauthorized hard inquiries ; on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX also on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
On my TransUnion credit report, there is a hard inquiry ON XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also on XX/XX/XXXX XXXX XXXX 
On my XXXX credit report, there is a hard inquiry on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I did not recognize any of these. I called the companies on my XXXX, XXXX and Trans Union report to request a deletion letter on XX/XX/XXXX, They said there is no account open in my name so they can not provide that for me. They suggested that I report it to the federal trade commission.
Product: Checking or savings account

Between XX/XX/XXXX till XX/XX/XXXX I was " scammed '' by a gentleman identifying himself at an officer of the Federal Trade Commission of the USA, XXXX XXXX. During this time frame I was directed to make multiple cash withdrawals from the Chase checking and savings account. I was told my identity had been stolen and it was used to create at least 10 bank accounts that were now being used. To demonstrate my innocence to this man/process, I was directed to " secure my account or secure my funds '' by withdrawing cash from both by checking and then savings account. Over the period of days I withdrew XXXX. 

I feel frustrated in that while I have reported this to the local police department in XXXX WA, the Federal Trade commission website and multiple departments with Chase Bank there is no help for this type of crime. 

There is NO restriction from banks on withdrawing large sums of money on a daily basis. There is no check by the bank locations to screen for possible fraud/scam when unusual amounts of money are requested on a daily/bidaily basis. 

I do have copies of bank withdrawal slips and also receipts from the Bitcoin ATM machines in XXXX WA that I placed the thousands of dollars in. I also have 2 phone numbers that were used by the Scammers to call me/text me to about this crime that was committed. 

The FTC Officer was XXXX XXXX His phone numbers use were XXXX XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My current XXXX  credit report shows inquiries on XX/XX/XXXX and XX/XX/XXXX that I dont recognize and did not authorize. I have sent written notice to the business listed below that I did not authorize these inquiries and requested that they be removed immediately. The written notice was sent on XX/XX/XXXX with delivery confirmation. Also, the inquiries were removed from my XXXX   and XXXX  reports but still remain on my XXXX  report. 
These unauthorized inquiries are having a negative impact on my credit score/report and have been cited as reasons why I have been denied credit. 

Name of Business : XXXX XXXX/XXXX  ( aka Wheels Financial Group, aka XXXX )
Product: Student loan

Please provide in writing attached to the cfpb the name of the program the client has been entered in Along with the policy and terms for the 150 monthly payments Please provide the terms of the offer in writing as according to XXXX the client was provided offers we will need XXXX and allied to place the offer for payment in writing as they have failed to do so on 10 occasions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX via XXXX XXXX BANK XXXX XXXX XXXX XXXX, PA XXXX Phone number not available Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XXXX/XXXX/XXXX //////////// XXXX NA XXXX XXXX XXXX XXXX, TN XXXX ( XXXX XXXX XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ///////// XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX //////// XXXX XXXX XXXX USA NA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX /////// XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX ///////// XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XXXX/XXXX/XXXX //////// XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX ///////// XXXX XXXX IN via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : XXXX XXXX XXXX : CREDIT TRANSACTION XXXX On : XXXX/XXXX/XXXX ///////// XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX LOANS XXXX via XXXX LOANS XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XXXX/XXXX/XXXX XXXX XXXX LOANS XXXX via XXXX LOANS XXXX XXXX XXXX XXXX, MI XXXX ( XXXX XXXX XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XXXX/XXXX/XXXX //////// XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry XXXX : Individual Requested On : XXXX/XXXX/XXXX /////////// XXXX XXXX CREDIT CARD CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone number not available Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ////////// XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XXXX/XXXX/XXXX //////////// XXXX XXXX via XXXX XXXX BOX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XXXX/XXXX/XXXX ////////// XXXX XXXX Bank XXXX Requested on : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Requested on : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Requested on : XXXX XXXX, XXXX XXXX XXXX Bank Requested on : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Requested on : XXXX XXXX, XXXX XXXX XXXX XXXX Requested on : XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX Loans Requested on : XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX Requested on : XXXX XXXX, XXXX XXXX XXXX XXXX Requested on : XXXX XXXX, XXXX XXXX XXXX XXXX Requested on : XXXX XXXX, XXXX
Product: Mortgage

Per the advise from a CFPB representative, I am filing this second complaint for the same unresolved issue. The first complaint was sent XXXX of this year 2020 and Lakeview Loan did respond apologizing for the inexcusable extreme delay promising an expedited process to complete my streamlined refinance ASAP. 

As stated in my original complaint, we started our streamlined refinance on XX/XX/2020. We even signed a new application with a closing date of XX/XX/XXXX. Today is XX/XX/XXXX and we are now going on 7 months with still no confirmation of a new closing date. Since the Lakeview response, our loan processor guaranteed my wife and I several dates for us to close but each date fell through due to items the loan processor failed to complete further delaying the process.
Product: Credit reporting or other personal consumer reports

I have made repeated efforts to contact MOHELA by phone, including a call on XX/XX/year>2024 that has lasted 2 hours and 6 minutes ( so far ). 

I attempted to login to the website in XXXX, XXXX, XXXX and XXXX. 

When I have spoken to people at MOHELA, they have always been friendly, but the call is then redirected to an " advanced agent, '' to whom I never get to speak. 

Somehow the first debt was removed from my credit report very soon after the debt was forgiven but more than {$67000.00} is shown as active debt. 

Help!
Product: Debt collection

BACK IN XX/XX/XXXX I DID CALL XXXX TO SWITCH MY SERVICE FROM THEM TO XXXX, FIRST I CALLED TO INFORM THEM TO RELAESE MY PHONE NUMBER TO XXXX, WICH THEY DID THEN I CALLED AFTER ABOUT A WEEK TO TELL XXXX TO DISCOUNECT MY SERVICES, BUT BACK THEM I WAS TOLD THAT THEY WERE MAKING A MAJOR UPDATE ON THERE SYSTEM, TILL XXXX OF XXXX I GOT A BILL FROM XXXX, BUT WHEN I CALLED TO ASK WHY I GOT THIS BILL I WAS TOLD THAT BECAUSE I DIDNT DISCOUNECT, BUT BACK THEN I DD PROVE IT TO THEM, THEM THEY TOLD ME FINE SORRY IT WAS THERE MISTAKE, AND THEN TOLD ME SORRY, TILL XX/XX/XXXX WHEN I GOT A LETTER FROM HUDSON VALLY COLLECTION AGENCY THAT THEY PUT ME IN COLLECTION FOR {$850.00} BUT I DID TRY TO EXPLAIN THE SITUATION BUT NO WAY THEY WANT TO BUDGE EITHER TO PAY OR WE WILL REPORT TO THE CREDIT BUREAUS, BUT I SAID ITS NOT MY RESPONSIBILITY AND EXPLAIN THE ISSUE BUT THEY DINT WANT TO LISTEN AND SUR ENOUGH THEY DID REPORT TO THE CREDIT BUREAUS, AND MY CREDIT SCORE WENT DOWN FROM XXXX TO XXXX, AND I KEEP CALLING TO GET DETAIL BILL BUT THEY SAID WE WILL NOT EITHER TO PAY OR WE WILL LEAVE IT ON YOUR CREDIT, BUT THIS IS NOT FAIR TO ME IF YOU WANT ME TO PAY GIVE DETAIL BILL TO SEE WHAT IM PAYING FOR BUT KEEP ON SAYING NO I DONT KNOW WHAT TO DO
Product: Vehicle loan or lease

I had a lease of a XXXX XXXX XXXX for 3 years and had just finished the lease payments on XX/XX/2018. 
On XX/XX/2018 I got a Lease Termination Invoice of {$580.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) referring of a Disposition Fee. 
My complain is that I bought an insurance specific for my lease and I returned the car in perfect condition. Also I had paid already {$37000.00} ( XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2018 also referring of a Disposition Fee. 
After I call XXXX I found out that XXXX had a complain about the tail light lenses that I had put a decal to protect against any damage. Immediately I called XXXX ( the insurance company ) asking why the insurance company didn't take care of my situation. The answer that I had was that the XXXX XXXX was not responsible for any out of market parts. But there is a big misunderstood because I never change the tail light lenses. That is still the original part of the car that I returned in very good condition, in lower mileages and one month before the due date of the lease termination.
Product: Mortgage

XXXX XXXX XXXX XXXX,2007 Closed of Home /Predatory Lending I was and still am XXXX XXXX. I was collecting XXXX and still am. i closed on a property for XXXX with XXXX down. No job, No chance of getting better. Everywhere i contact say there nothing you can do?
Product: Student loan

It was recently announced on the news that all students who attended the now-defunct for-profit XXXX XXXX school should have their loans completely forgiven. But Navient keeps insisting that I continue to make payments despite this announcement by the U.S. regulatory settlement. 

My name is XXXX XXXX and I am a victim of the predatory loans acquired from attending the deceptive school XXXX XXXX. Please contact me at XXXX and email : XXXX, to help me settle this matter.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Equifax has failed to respond to my dispute and conduct a reasonable investigation regarding inaccurate information on my credit report, specifically a bankruptcy listed under the public record section. This failure to respond and investigate violates my rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I mailed a dispute letter to Equifax, requesting an investigation into an inaccurate public record on my credit report : Public Record : Court Name : XXXX XXXX  Reference Number : XXXX In my letter, I requested specific information on how Equifax verified the accuracy of this public record, including : The date they contacted the creditor Contact information for the creditor The name of the person who verified the item Method of communication used to verify the information Whether the creditor provided my Social Security number, address, and date of birth for verification To ensure my identity was verified, I included copies of my proof of identification, Social Security card, and a recent utility bill. However, I have not received any response from Equifax regarding this dispute. 

Under the FCRA, credit bureaus are required to conduct a reasonable reinvestigation of disputed information within 30 days. XXXX failure to investigate and respond to my dispute violates my consumer rights under this law.
Product: Checking or savings account

On the Chase Website they advertise a no risk/zero liability ATM card. The website also claims they have sophisticated software in place that will alert you to any possible fraudulent charges. My card was charged {$3400.00} over a four month period as shown below. 
Month Day Amount Gas Station 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The company will not credit any charges over 60 day as it claims that is stated in an agreement I was sent but I never saw. It does not state this policy on their web site. In addition to the false advertising I am concerned the Chase Fraud Department may be complicit in the fraud as my alert on my card is set for charges over {$100.00} and somehow the criminals knew only to charge up to {$100.00}. When I spoke with the Fraud department and asked why they did not catch this egregious violation ( who gets {$100.00} worth of gas every few days plus there is a well know scam with card readers at gas stations. These transactions should have been flagged by their fraud department before we ever got near 60 days. ) I was told they do n't flag gas station transactions like they do transactions that occur 100 miles from home.

I was 100 miles from home visiting family in New Jersey in XXXX where I used my card. At the same time fraudulent charges were being made at gas stations in Florida. Then again in XXXX I was two places at once. According to their own Fraud Department this should have raised a flag. If it had it would have fallen within the 60 days and I would have been protected. 
What is the purpose of a Fraud Department if not to protect the consume from fraud? Between the malpractice of the Fraud Department not picking up multiple {$100.00} gas station transactions days apart and sometimes on the same day and their not asking, " How can the same person be using the card in NJ and FL over the same time period? '' Plus the false advertising I decided this needed to be reported.