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

Safco Acct XXXX is reporting on my credit report. 
Contact Number XXXX Purchase date XXXX XXXX XXXX Voluntarily surrendered the vehicle due to lemon car Voluntarily surrendered Vehicle call in on XXXX XXXX, XXXX to have the vehicle picked up. The vehicle was picked up on XXXX XXXX, XXXX. The vehicle was auctioned on XXXX XXXX, XXXX. I spoke to XXXX in the Deficiency Department on XXXX XXXX, XXXX. Per XXXX the information is accurate this vehicle is notated in their records as a voluntarily surrender and this vehicle was auctioned off on XXXX XXXX. XXXX contact is XXXX along with his coworker XXXX I Dispute with the credit bureau no actions were taking on behalf of Safco after disputing. 
I am asking that this be DELETED from all Credit bureaus. XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXXXXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXXXXXX # 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 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 ) States : 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

Equifax, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked or deleted. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS, NOR DID I RECEIVE POSSESSION OF GOODS, SERVICES, OR MONEY. I AM NOT A THIRD PARTY OR CREDIT REPAIR SERVICE. THIS STATEMENT IS COMING DIRECTLY FROM ME THE CONSUMER. The identified transactions are not information related to any transaction by me the consumer. 

DELETE OR BLOCK THE FOLLOWING INQUIRIES : XXXX, XXXX, XXXX XXXX, XXXX XXXX 

Equifax you are required to do what I am requesting and block these transactions from being reported on my consumer report within 4 days from the date of receipt of this notice.
Product: Credit reporting or other personal consumer reports

I am Listing 2 inquiries Fraudulent from my Transunion Credit Report. XXXX XXXXXXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. Listed Inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I reviewed my equifax report and have unauthorized 1. XXXX XXXX  XX/XX/XXXX 2XXXX XXXX XXXX   XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX, 4. XXXX XXXXXX/XX/XXXX, 5.XXXX XXXXXX/XX/XXXX,6. XXXX XXXX  XX/XX/XXXX 7. XXXX XX/XX/XXXX ,8. XXXX XXXX XXXXXX/XX/XXXX,9. XXXX XXXX   XX/XX/XXXX 10. XXXX XXXXXX/XX/XXXX11. XXXX XXXX  XX/XX/XXXX, 12.XXXX   XX/XX/XXXX 13.XXXX XXXX XX/XX/XXXX,14. XXXX XXXX XX/XX/XXXX15.XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have sent multiple complaints through CFPB and FTC but I don't see why these negative accounts, which I didn't authorize are still on my credit report when I have done my part. I've checked this and reached out to the creditors that I am not aware of and have no knowledge of this.
Product: Student loan

Due to b eing honorably discharged from  the  XXXX   XXXX , I was no longer eligible for reduced rates in accordance with Servicemember 's Civil Relief Act. This triggered a new schedule with Great Lakes. According to their policy they chose not to deduct money from my account for a month and changed my payment to the minimum without my permission. Their response to why this happened was because I was not required to make a payment that month and they did not want an unexpected amount to leave my account due to the change in interest. They continued to charge me interest for this " unrequired '' monthly payment and my auto pay is set at a dollar amount. This policy seems purposefully designed to disadvantage the consumer.
Product: Credit card

Received shipment of an XXXX that was redeemed with Chase XXXX XXXX on XXXX. Upon opening the box there were hairs on the box, the box was very dirty and dusty, and there was a tear on the packaging as if someone ripped off a sticker on the box. 

Not knowing if this box was tampered with or not, I immediately called Chase XXXX XXXX XXXX  and sent in the photos the same day on XX/XX/. 

I was told to send in the photos again on XXXX which I did ( not sure why ), and it's been 14 days and no one at Chase is giving me a return label so that I can return this product. 

I called Chase today to see the status on my shipping label, and they told me to call XXXX themselves ( what great customer service.. I need to call XXXX myself because they can not ). XXXX told me they don't provide shipping labels to customers and I was suggested to a local XXXX store to see if anything could be done. 

I took the phone to the XXXX store they notified me that this phone was not purchased from XXXX and that it was purchased through a 3rd party reseller.

It's been XXXX  calendar days since I first sent Chase the photos of phone packaging that I received from Chase. They told me a shipping label max would take 10 days. It's been 6 days after the noted threshold. 

If Chase can't support products redeemed with points, don't even offer this as an option as it's clear that Chase doesn't have the process in place to supports its products and customers. 

I am still waiting for my return shipping label.
Product: Credit reporting or other personal consumer reports

DEAR, EXPERIAN I WOKE UP TUESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF FRAUD... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX  XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX  XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, ALSO A FRAUD ADDRESS NEED TO BE REMOVE FROM CREDIT REPORT. I HAVE NEVER STAY AT XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, NV XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 2. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Please correct this immediately. It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account : **** XXXXXXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account number : XXXX
Product: Mortgage

Your company will NOT reimburse you for the closing cost fee AimLoan charges you for your mortgage. If your company is paying for your move, use another lender whose fee is reimbursable. The loan officer at AimLoan clearly stated to me that their fee would be reimbursed by any employer and later stated they have never had an issue with a customer receiving reimbursement. This statement was made prior to me committing to using them as a lender for my mortgage. I chose to use AimLoan because they stated this fee would be reimbursed. Had I known the fee would not be reimbursed I would have used another lender. 

I am employed by an agency of the XXXX XXXX XXXX and approval of the reimbursement for my closing costs is subject to review by another XXXX XXXX XXXX. That agency determined that the fee was not reimbursable based upon the verbal and written words the loan officer provided directly to the reviewing official at that agency. 

Additionally, in the About AimLoan section of their website they state, Our state of the art website fully discloses rates, points, fees and all third party costs, 24/7. However this is false advertisement as part of the reason their fee was not reimbursed is because they refused to disclose an itemized list for their fee to my approving official. This is clearly false advertising since they do not and will not fully disclose the rates, points, fees and all third party costs. 

Because AimLoan told me that the fee was reimbursable, prior to me committing to using them as a lender for my mortgage, and that their verbal and written words directly led to me not being able to be approved for reimbursement of their fee, AimLoan must return the fee in its entirety. This is in addition to the false statement about full disclosure on their website. In discussions with AimLoan to rectify this issue, AimLoan offered only half of the fee. The total amount of the fee was {$990.00} and the remaining amount they must refund is {$490.00}. 

Additional details : we closed on our new home on XX/XX/2020 and complaints were made to the company multiple times between XX/XX/XXXX through XX/XX/2020. The loan officer is XXXX XXXX.
Product: Mortgage

My loan servicer is Seterus, About 6 months ago I received assistance from XXXX XXXX, XXXX. I have been making payments on time since then, however ; my payments are posted late every time, and Seterus is known to post late payments and collect those fees as well making my mortgage amount short and making me fall behind. Now on my credit bureau show 30 day late making my score low, I want this problem to stop and fixed by XXXX, Seterus ... I am tired of Seterus calling and sending me notices, now XXXX is calling me with options. I do not need their assistance at all. Stererus has a bad reputation through California and now Arizona regarding these late payments.. I can go back a yaer and a half to show where we have been at with our mortgage..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXXXXXX XXXX  XXXX to remover this fraudulent account from my report. I am a victim of identity theft by data breach. I contacted XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX and asked to closed this account that I did not consent to account being opened. It was finally closed on XX/XX/XXXX with XXXX balance. XXXX XXXX XXXX  XXXX has refused to removed fraudulent report from my credit report. I have disputed this account on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX. I HAVE SENT NUMEROUS DISPUTES, POLICE REPORTS, ETC. PLEASE REMOVE THIS ACCOUNT FROM MY REPORT IT IS FRAUDULENT AND I DID NOT CONSENT TO THE OPENING OF THIS ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 2 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XXXX  XX/XX/23 about XXXX XXXX my husband recieved a voicemail on his phone saying that the message was intended for us. ( Said our names ) saying that documents will be going out to our address needing signatures from both of us. ( My husband and myself ) to please contact issuing firm immediately at XXXX reference case # XXXX. This is very time sensitive as well as urgent. Said our names again and that we have been notified. 
I immediately called the number and a man named XXXX answered and gave his name. I asked whose number I was calling as he did not give name of the law firm. Told us he was collecting a debt from Discover from XXXX. Gave an amount in excess of {$4000.00}. He said he was sending documents to take us to court to collect balance owed. We told him we had not received anything in the mail regarding this. He said it was sent in XXXX and it couldn't be helped since we didn't respond and make restitution. He said the address of our property and asked if that was us and that we lived there XXXX  years, right? We said it's our address, but we've only had the property for XXXX  years. He even gave an address that my husband lived in before we were married, but he hasn't lived there for XXXX  years. He said the were taking us to court to get the monies owed. That the only thing we could do to stop it is pay in full. We told him we didn't have that kind of money, he said that wasn't his problem. He had to do what he had to do. Then he said let me talk to my supervisor for you. When his supervisor got on the phone he was very belligerent and yelling that it was our debt and we had to pay it. 
We got disconnected, so I called back and got XXXX again. He said I had to make a decision about what I was going to do because he had to send the papers in in XXXX hours. I told him I was too stressed and couldn't think. He said he would give me until XXXX XXXX XXXX time to call him back. Otherwise he was sending the papers in. 
When I hung up I called our attorneys office. When I told her everything, she said she thought it was a SCAM and not to call him back. I gave her the phone number I called, and told her they never gave the law firms name. She tried to check who the number belonged to, but could find no information on them. She was leaving the office for the weekend, but would look into it on XXXX. I have not called them back.
Product: Debt collection

Check account and seen the fraud account that was open wasnt opened by me
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has not been properly verified for inaccuracies. Account Name : XXXX  XXXX XXXX Account Number : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of : ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization.
Product: Mortgage

I originally applied for XXXX assistance in XX/XX/XXXX prior to missing a payment as I had been unemployed since XX/XX/XXXX and my unemployment income ran out. Online, it kept saying that my application had expired and I needed to do a new one ( I had just completed it ). I called Freedom Mortgage on XX/XX/XXXX and spoke with XXXXXXXX XXXX XXXX and she was supposed to submit the XXXX request on her end. She stated I would have a decision on XX/XX/XXXX. 

After the application supposedly went through, documentation was requested and I provided that documentation on XX/XX/XXXX via e-mail, within the timeframe I was allotted. I received a phone call XX/XX/XXXX, which had no substance to it. They asked if I had any questions and if I submitted my documentation ( they should be aware that I did ). She also stated they previously requested " Letter From Agency ''. Again, information I already know and already provided them. She asked if I knew which agency they were talking about. " Letter from Agency '' is vague and does not specify what they need or from whom. However, unemployment agency and food stamp information were already provided in the XX/XX/XXXX e-mail. 

I made a payment XX/XX/XXXX and on XX/XX/XXXX, I received an e-mail that said my account status has changed. I logged onto the website and it no longer says my account is in XXXX XXXX XXXX. When I try to look at my application, it is again saying that my application has expired and I will need to submit a new one. 

This has been the endless cycle of submitting and resubmitting their applications. They claim you have online access to view your account, but when you go online and click on XXXX application it circles you back to another webpage and you can never get the information you need or want. They even admitted on a phone call that it does not work properly ( XX/XX/XXXX phone call ). 

This has been beyond frustrating and should be unlawful to have a process that takes you in a circle because they do not really want to assistance with a loan modification when the consumer is having extenuating, short- term circumstances.
Product: Debt collection

I received a collection notice from FAM Alliance Ltd on a debt that I included in my recent chapter XXXX bankruptcy and was XXXX. The letter arrived after my bankruptcy was XXXX on XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America Auto Loan is and was paid by Cashier 's Check { attached } issued by XXXX XXXX on XX/XX/2023 sent Priority US Mail for {$21000.00}. That payment extinguishes any and all claims ( forever ) of BOA as it relates to [ me ] specifically Account # XXXX. I can not contact Bank of America directly [ I have tried all available avenues including numbers included in prior complaint responses, they simply don't answer or respond ] unless or until you want a loan, or credit, and I want neither. So, I have no avenue to gain relief from this LARGE BANK. I can not submit any dispute to XXXX or XXXX [ this Credit Reporting Agency is woefully inept and refuses to do anything except allow hackers in to them it is all a game. They claim a complaint already exists so in essence the collusion between BOA and XXXX is such that it adversely effects my ability to repair the issues each have created ] as an appeal is pending on a different matter with XXXX ( a reputable company in my opinion ) involving incorrect information reported by another LARGE BANK. Both accounts are closed ( including XXXX XXXX ) the issue with XXXX XXXX & XXXX XXXX XXXX XXXX XXXX they've reported incorrect information as opposed to the other LARGE BANK, here boa XXXX that doesn't report information nor apply payments timely. BUT BOTH ACCOUNTS ARE PAID OFF [ by prep-paying each to avoid the continuing problems with both ] and CLOSED and for the duration of my life neither LARGE BANK is a viable option for anything in my future.
Product: Credit card or prepaid card

Its about " Trip Cancellation / Interruption '' benefit that comes with Chase bank XXXX XXXX XXXX '' credit card. 
I filed a " Trip Cancellation / Interruption '' claim of {$1400.00} properly with the credit card benefit provider online at https : //www.eclaimsline.com ( As per Bank instruction ) on XX/XX/2022 and provided/uploaded all required documentations. Its been close to one year, my claim has not been processed yet ( Its been in " Pending '' status since XX/XX/2022 ). Starting from XX/XX/2022, I have been harassed by the benefit provider. I was asked to upload the same documents multiple times that I have already uploaded/emailed many times. 

Roughly every XXXX or XXXX months, someone from customer service sends me email asking for the documents which I have already shared. I tried contacting them over phone many times but they are never reachable. I tried emailing them many time but no response. 
Between XX/XX/2022 XXXX/XXXX/203, I received 8 emails from them every time they ask me a document that I have already sent many times in the past. .It seems like none from customer service check the documents that I uploaded online or emailed. Most recently they asked me about a different credit card number information which I have provided to them at least 3 times. 

I am feel harassed and trapped in their never ending process. I strongly feel, the card benefit provider is delaying my claim on purpose and they don't want to pay me the reimbursement.