23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Hello, I engaged in a vehicle lease through Chrysler Capital XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX of XXXX in the State XXXX. In XXXX of XXXX, I moved to IL and properly registered my vehicle through XXXX. As part of the registration process you must file XXXX tax form. This form/filing is the means to assess any sales/use tax due to the State XXXX when moving from out of state. I filed the form, and paid tax due to XXXX in the amount of {$790.00} ( documentation/payment rationale attached ). 

A few months later, I received a debt collection call from Chrysler Capital stating that I owed them {$1600.00} plus fees totaling {$2200.00}. After many calls ( and over many months ) with them, and the state XXXX, it was determined that I properly paid my taxes and that the State improperly billed Chrysler Capital. Chrysler Capital does not assign a single representative to the handle the matter, so every time we speak we start from scratch. Since Chrysler Capital is the owner of the vehicle, they simply assumed tax was due and they made the payment. They are unwilling to work with the state XXXX to obtain the proper credit/reconciliation for the over payment they made to the state, and rather simply assert that it 's not their problem - they paid the state so i need to pay them. I have confirmed with the state that since i do n't own the vehicle, there is nothing further i can do to resolve the issue considering i provided proper documentation of adequate and proper payment. The state needs to credit Chrysler Capital, but Chrysler Capital will take no action to obtain the credit, and there is nothing I can do to obtain it for them since I did not make their payment, I was never billed, and I do n't own the vehicle. 

Chrysler Capital has been unreasonable, and unwilling to take proper steps to resolve the matter, which results in an outstanding balance due on my account to them for the {$2200.00}. I have done everything i can to try to resolve, but at this point i do n't know where else i can turn for help and am hoping the CFPB will step in to help me do what is right with this issue. 

If further information is needed from me, I am happy to provide any details to bring this to final resolution. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of a recent data breach and respectfully request the immediate blocking and deletion of certain accounts listed below from my credit report. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting these items be removed to safeguard against further unauthorized use of my personal information. 
Accounts to Be Blocked and Deleted : 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

The following companies ran unauthorized credit inquiry on my credit report. Thus, these are suspicious and needs to be deleted asap. 

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   and XXXX
Product: Checking or savings account

I received an email in XX/XX/XXXXadvertising that " Charles Schwab is offering a bonus of {$200.00} for using your High Yield Investor Checking account. You must do the following : Enroll in direct deposit by visiting our site.

Establish and make direct deposits totaling {$2500.00} or more before XX/XX/XXXX. '' I completed the requirement and it stated that " The incentive deposit will be deposited into your High Yield Investor Checking account byXX/XX/XXXX. '' I have not yet received the bonus.
Product: Student loan

This complaint is related to a previous filed complaint XXXX regarding my student loan servicer American Education Services ( AES ). To summarize, I have been enrolled in the Income-Based Repayment ( IBR ) program since XXXX and due to an error in the annual recertification process in XXXX, all unpaid accrued interest on my student loans was capitalized in XX/XX/XXXX. The resolution of the previous complaint was a retroactive reversion of the capitalization of interest on my loans in XX/XX/XXXX. However, two months later in XX/XX/XXXX, I was notified that during a review of my account, it was discovered that there was interest that was not capitalized as expected and that your account has been adjusted and, as a result, there has been an increase to your account balance. Essentially, the interest capitalization that had been retroactively reversed had been re-applied to my account undoing the resolution of my previous complaint. I have since been in contact with AES on at least three occasions over the phone attempting to resolve this situation. The customer service representatives have acknowledged the issue and supposedly it is well documented in my account, yet well over two years time has passed and nothing has been done to resolve this issue.
Product: Debt collection

The debt is XXXX per NYS statute that limits collections for consumer credit card debt to three years. The last payment on the debt was XX/XX/year>. There has been no bankruptcy filing, but there was no better option to choose from those provided. 

PRA ( Portfolio Recovery Associates ) 's website says the debt is time-locked and can not be collected. They are calling nonstop and sending letters suggesting payment is required. 

I feel threatened and that the debt is being targeted for unfair collection.
Product: Credit reporting or other personal consumer reports

Equifax sent me results in response to my CFPB Complaint #, XXXX submitted on XX/XX/2023 : Description of Non Monetary Relief : Equifax reviewed the complaint, relevant documents and completed an investigation where applicable. 

Unfortunately, these accounts listed below have been on my report from at least the day I submitted the CFPB Complaint on XX/XX/2023 that Equifax stated in the results that the accounts did not currently appear on my Equifax Consumer file. 

The basis of my dispute is that I have a right to privacy Title 15 USC Section 602 and Section 604 states a consumer reporting agency can not furnish an account without my written instructions. 

I subscribe to more than one credit monitoring service and check annualcreditreport.com on a weekly basis which I can prove the accounts have been and still are reporting without my written instructions which is a violation of my privacy rights. 


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
Product: Credit card or prepaid card

After i closed my Store Card on XX/XX/2019 with MACYS, They " Mistakenly " Charged my Account with {$350.00}. 
which is showed in my credit report 5 Late Payments since i noticed! 
Which is drastically Dropped my Credit Score. and prevented me from applying for Credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota financial service reporting a balance and a payment on my credit report. I filed a dispute XX/XX/XXXX and they sent a letter stating dispute is resolved. My credit report today XX/XX/XXXX still shows balance due of {$4700.00}. And a payment owed of {$510.00}. The error occurred when I first leased my vehicle - Toyota opened two lease accounts in error. This needs to be corrected as it is still on my credit report. There is a note stating DISPUTE RESOVED. My credit report should not show I owe anything. This lease is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company did not receive my written instructions to furnish the following accounts on my consumer report. They are violating the Fair Credit Reporting Act by furnishing information on my consumer report without permissible purpose. This company is an elaborate mechanism which has a need to insure they're exercising their grave responsibility with fairness to the consumer. I have not been treated with equity/fairness. These accounts must be removed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Student loan

I have been on XXXX military XXXX since XXXX XXXX and I have been paying back my student loan since XXXX XXXX. I clearly obtained the debt prior to enlisting in the XXXX. 

The Edfinancial representative claims my loan was consolidated in XXXX so I am not eligible for interest reduction relief. The date of my loan origin is now XXXX which makes it seems as if the debt occurred after I enlisted. 

My student loan debt clearly originated prior to my enlistment ; regardless of when the lender decided to consolidate. 

Who can be of assistance in regards to this issue. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Product: Student loan

XXXX XXXX provided a private student loan for XXXXXX/XX/XXXXso there was no reason for me to be XX/XX/XXXXI was also not living in Maryland at the time this loan was dispersed. XXXX XXXX was sold several times and each time I informed them that I am not sure that this is even my debt. 

Regardless, the loan was dispersed in XXXX and as it is a private loan it is now well past the statute of limitations for Maryland and Virginia. 

The loan was bought by Mohela and they are now charging me XXXX $ a month, which is showing on my credit report. This loan should not be on my credit report at all.
Product: Credit reporting or other personal consumer reports

I have been crying out to the XXXX major Consumer reporting Agencies for the longest time in regards to an Account that does NOT belong to me. This account is listed below in detail! 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} Opened : XX/XX/XXXX XXXX, XXXX, & Experian have all responded by stating that this account has been verified along with being accurate. I have provided proof that this account is NOT reporting accurately by far. I have attached a document ( payment statistics ) from each Bureau as pertains to XXXX XXXX XXXX  demonstrating the inaccuracies. 
XXXX XXXX XXXX Experian report the last payment as XX/XX/XXXX, as XXXX reports the last payment as XX/XX/XXXX. 
- XXXX reports the closing date as XX/XX/XXXX, as Experian XXXX XXXX report the closing as No info. 
- XXXX displays XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX reports the account as a charge off - CO, Experian just as Closed, and XXXX is still reporting the Account as Late Payments as to date while simultaneously reporting the account as being Closed. 
This Account is NOT reporting in compliance with The Fair Credit Reporting Act via 15 USC 1681.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts 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  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX hoping that you make a better decision in my situation, thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried getting help from customer service with removing unknown inquiries from my report, but they werent helpful. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I would like to address the issue of payments that XXXX XXXX has marked as due for the following account Account number XXXX on the specified dates : XX/XX/2019 XX/XX/2019 I understand that, in accordance with USC 1681 ( a ) ( 2 ) A ( i ), my consumer report must not consist solely of information related to transactions or interactions between the consumer ( me ) and the reporting entity ( your business ). Payment history, including late payments ( accounts with adverse information ), has the potential to negatively impact my consumer report for up to seven years and is considered an essential part of the interactions and transactions between your company and me. 

Additionally, I kindly request that you provide me in writing with the reasonable procedures, as described in 15 USC 1666 ( b ), that you have in place to ensure that you receive each periodic statement no later than 21 days before the payment due date.. Also include all necessary information as detailed in Section 1637 ( b ) of Title 15. 

You have 30 days from the date you receive this letter to provide me with the information I request. Failure to provide this information within the specified time frame will be considered a failure to verify late payments on the dates listed above, indicating a deficiency in reasonable procedures to ensure the accuracy of my account. As a result, I will request removal of late payments from my account and consumer reporting to the relevant consumer reporting agencies ( including, but not limited to, EXPERIAN and XXXX ) and request that the accounts be updated to reflect a positive status.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA XXXX XXXX Partial account number furnished, has violated my rights. 15 USC 1681 I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions. 15USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Debt collection

FURNISHED NEGATIVE REPORTS TO MY CREDIT PROFILE WITH OUT WRITTEN VIOLATING FDCPA PROVISIONS.
Product: Mortgage

We have been working with Freedom Mortgage company for 5 months to assume a VA loan. Freedom Mortgage has repeatedly requested documents that we sent, then resent per request and received by them months ago. We believe that this is Elder Abuse because of the our ages, XXXX and XXXX. Our lives have been put on hold because of this situation. Daily we have to check the emails, we have written letters and made numerous phone calls to XXXX different loan agents who were identified as handling this loan. We are unable to complete this purchase and have made XXXX extensions of the escrow to date. There is nothing more we can produce that they do n't already have, They sent a conditional loan approval 3 months ago and we have also signed a Borrower 's Authorization. Yesterday we got another letter requesting copies of more documents that we sent to them XXXX XXXX. How can we proceed to resolve all of this abuse? 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 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

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX MIDLAND FUNDING XXXX Dear whom they may concern, Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND FUNDING  XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX {$240.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$310.00}.
Product: Credit reporting or other personal consumer reports

There is information that on my consumer report that is a result of identity theft. I did not provide written permission of instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under 15 U.S.Code 1681i ( 5 ) removal of Inaccurate/Invalidated Credit Information and 15 U.S.Code 1681 ( e ) ( b ) Compliance procedures maximum possible accuracy & section 604 15 us code 1681 B.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to

inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and on XX/XX/XXXX I submitted two separate applications for a credit card because an affiliate said I had good to excellent chances for being approved ( XXXX XXXX, XXXX  XXXX XXXX XXXX ). I have not missed any payment since XXXX and I have also resolved 2 accounts that were sent to collections in XXXX. My XXXX  report shows that the XXXX  account that was settled in XXXX and was transferred to XXXX. XXXX   shows that had been satisfied and closed ; However, my XXXX  report shows the account in delinquency and does not show the servicing transfer to XXXX  where I paid the account in full. The credit analyst did not even bother to see the discrepancies on my report. 

Additionally, AMEX stated the reason for denial was : 1 ) Too many credit card accounts on which, in our estimation, you have not paid a majority of the balance in recent months. ( XXXX  ) This is completely a lie, if you look at my XXXX  Report it shows that not a single student loan or active credit card has been payment late. I have been making my payments on time since XXXX.

2 ) The maximum utilization on your credit card account ( s ) is too high ( XXXX  ).

Too high? I pay off my credit card bills every month on their due date. Are you serious? Currently, I am using 20 % of my utilization XXXX $ XXXX out of & XXXX ) XXXX ) You have a serious delinquency on one or more of your accounts. 

I have a 100 % payment history since XXXX. Are you serious? I dont have a single account in delinquency.

4 ) The ratio of revolving account balances to their credit limits is too high.

My ratio is 20 % and is going down every month. What are you talking about?!? 

DO BETTER AND FIX THIS!