23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been in repayment under the public service loan forgiveness program since XXXX. I have made the 120 payments required for forgiveness. However, they are saying that numerous payments that I have made do not qualify for forgiveness. For example, you must update your income each year, and they force you into deferment while they are reviewing your payment plan. However I continued to pay during that forced deferment time. 
Another example is when I filed bankrupcy. They claim that all the payments I continued to make during that extreme hardship in my life did not count. Why? 

Also, there was a time when I made {$5.00} less than the payment for several months because there website did not display the payment due. They did not count those payments and I feel like that was a scam. Why wouldn't the payment due amount be displayed? 

They also have not provided me with records prior to XXXX, so I have not included payment records prior to the date of the attached materials.
Product: Vehicle loan or lease

I have paid off my lease. The title was sent at the end of XXXX. I noticed today that my home and billing addresses were not correct ( missing street number ) for some reason. I never filled out the address for this online account. This is an undeliverable address. 

I need the title ( time sensitivity ). After contacting Hyundai customer support, they said that it could take up to XXXX  days to have this reconciled, and I do not have the time. I need assistance in getting the title ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I demand this account is deleted immediately for violating FCRA 15 U.S. Code 1681a ( 2 ) b Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit. 

I disputed this account over 45 days ago never received and notice of the investigation and its currently an FCRA violation I demand this account is deleted immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts on my credit report due to a recent data breach in which my information was compromised. Pursuant to 15 USC 1681c-2 ( a ) and FCRA XXXX ( b ), I am entitled to request the removal of these accounts to prevent further damage and ensure the integrity of my credit report. 
Accounts to be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$370.00} XXXX - XXXX - XX/XX/XXXX - {$4100.00XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2700.00} XXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$320.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$8200.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3800.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$3300.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$370.00} XXXX - XXXX - XX/XX/XXXX - {$4100.00} XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$2700.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$4700.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$4300.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} Inquiries to be Removed : XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX XXXX XXXX I have noticed fraudulent account ACCOUNT NAME XXXX XXXX XXXX XXXX - XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 99 % Balance {$6400.00} Balance updated XX/XX/XXXX Credit limit {$6500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving Status Charge-off Status updated XX/XX/XXXX Past due amount {$6400.00} Highest balance - Monthly payment - Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX Phone number XXXX XXXX ) XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items 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 items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I received in the mail a debit card attached to an account at the Chase Bank. I did not apply for or request this card and I did not have an account at the bank. on XX/XX/2020 I called the bank and had the account closed and the debit card closed. I then spoke to a person in the XXXX department who told me unless I gave them my personal data they would not investigate the incident and declare it a XXXX. They also told me I need to make a police report - which I will anyway or else they would not investigate the incident.
Product: Mortgage

When the housing market took a dive my family and I was affected. We were told to contact the State 's Attorney 's office which in my state of Illinois is XXXX XXXX. We submitted documentation of what happen and to no avail which now is years passing nothing has happen. I kept all original documentation also, email them and no-one has responded. The problem is when things are on your credit you ca n't get any assistance. The lending company we were with was Option One a predatory lender of XXXX XXXX who to this date is still in business. Also, in the state of Illinois I thought a house could n't be sold if there were liens against it. Well that property was sold and now the XXXX mrtg or whatever was taken out against it has been transferred to someone else called XXXX XXXX and it is on the credit and is ruining everything. I have in my possession letters written to modify the mortgage also, there was an offer and it was denied which forced a foreclosure to the home. It 's very hard to move forward with your credit in a disarray. Any help or direction you can provide for my family will greatly be appreciated.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Date XXXX Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX EQUIFAX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Debt collection

XXXX XXXX XXXX of XXXX XXXX debt collection stated in letter dated XXXX XXXX, 2016 that if within 30 days, I dispute the debt, submit debt validation, or request info on the debt, that by law he is obligated to cease collections. XXXX XXXX signed certified return receipt XXXX XXXX, 2016 and failed to respond to debt validation, QWR, Dispute of charges. Rather than answer by law per his own letter citing the law, XXXX XXXX has gone to Commonwealth of Massachusetts Division of Banks with unclean hands, decieving the court indicating he has complied with the law conducting all procedure prior to advancing foreclosure, has illegaly obtained signature from the Land Court XXXX, on the Soldiers Relief Act, which allowed him to serve " Order of Notice '' to advance his illegal foreclosure. It is imperative that his behavior be investigated and stopped. He obviously KNOWS the law, because he had it in his letter to me, which is how I based my comminications with a 30 day window. I wrote to him immediately and he signed for my QWR Dispute Debt Validation within 48 hours! This ilegal aggressive attempt to take my property without regard for my rights is directly violating federal debt collection practices. He must be stopped. Please assist me on this matter
Product: Debt collection

dates unsure, do not owe {$1100.00}, do not owe debt to this company, did not establish debt with them
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXXXX/XX/XXXX
Product: Mortgage

after 1 month was told I needed to refi my loan at no cost to me. Then was told they would add the cost to my loan. then received inter office mail that the papers were not filled out properly to sell the loan. Then found out they sold the loan without us fixing the paperwork. Got different mortgage co. After almost 2 months still have not gotten my escrow moneys. I called and was told they sent it to the home I was renting before the home they issued a mortgage to. Nothing but lies
Product: Debt collection

Follow up from the previous two ( 2 ) complaints that were closed, without my issue being addressed correctly. 

case # XXXX and case # XXXX Affidavit of Truth and Notice of Default and Opportunity to Cure has been sent. XX/XX/2021 & XX/XX/2021. 

The Affidavits and Notices have been ignored and/or responded to incorrectly. The responses from your company also clearly show that my rights have me violated under the FDCPA Laws. 

You can not validate a debt. 15 USC 1692g.

You can not state that I owe your company anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife has a XXXX XXXX XXXX through XXXX XXXX. I am a co-signer to this vehicle. My wife and I recently lost our jobs due to covid-19 and were receiving unemployment assistance. The unemployment check was late in the month of XXXX. It finally came on the last day of the due date, which was XX/XX/XXXX and we made the payment. XXXX XXXX said that they see it was made on the XXXX but didn't process until the XXXX. I have talked to half a dozen people at XXXX XXXX and they will not help by reporting this to the credit bureaus. I am a XXXX veteran and my wife was a XXXX XXXX  and have been loyal XXXX customers for years. We've never missed a payment and have always been on time yet they treat us like this. They've now ruined 2 people 's credit for the next 7 years because their system didn't process it until the next day. People still need help during the pandemic and XXXX fails to realize this. We all have to help each other out during these times and their approach to customer service is wrong. We will never buy another XXXX vehicle again unless XXXX fixes this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of mistaken identity. My father and I have the same name and there are many of his accounts on my credit report. After 45 days, I have pulled my credit reports from two of the credit reporting bureaus XXXX, Equifax and these accounts that do not belong to me have not been removed from my credit reports. 
XXXX accounts to be removed : XXXX XXXX Date opened : XX/XX/XXXX Balance Owed : {$0.00} Account Rating : PAID No Close date ; Reporting 7 derogatory late payments XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Rating : PAID NO CLOSE DATE ; Reporting 5 derogatory late payments XXXX XXXX XXXX XXXX date opened : XX/XX/XXXX NO CLOSE DATE ; ACCOUNT STATUS : CLOSED Reporting 1 derogatory late payment XXXX XXXX XXXX XXXX ; date opened : XX/XX/XXXX NO CLOSE DATE ; Account status : closed EQUIFAX account to be removed : No account name listed Acct : XXXX date XXXX No Close Date ; Reporting 19 derogatory late payments No account name listed; acct : XXXX Date opened : XX/XX/XXXX ; account status : closed I am also including a copy of my drivers license and proof of address and current credit reports showing the above information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX, XXXX and Equifax Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be CORRECTED. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or FIX this from my personal file.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX my wife received an alert about a purchase asking if she had authorized. She immediately responded NO but got a message back that the issue had already been answered and approved. At this stage we logged into our Chase Banking account and noticed several fraudulent charges ranging from 3 withdrawals totaling {$3000.00} and a {$2400.00} transfer from our savings account. Additionally {$500.00} was transferred from out joint checking into her individual checking. Then a fraudulent purchase to XXXX XXXX for {$2600.00}. These were all tied to XXXX XXXX FL when both of us were physically in XXXX TX ( our home ), additionally neither of us had ever been to XXXX XXXX. 

All of this was reported immediately as fraud to Chase. They advised the fraud was performed with XXXX XXXX and suggested we immediately disconnect XXXX XXXX account and they were also able to disconnect her debit card from the account as well. We were informed the money would be credited back within 12 hours. After the time frame came and went with no resolution we called yet again to inquire and were apologized and told to allow 24 hours to correct. {$500.00} was credited and nothing else. Several days and several hours of calls later on Saturday XX/XX/XXXX we learned nothing had been done and the claims hadnt made their way to any sort of physical person to review yet. Another few days and between XXXX XXXX we received secure messaging that all claims were DENIED. 

In calling again to understand why these were denied we were told it was because all were made through XXXX XXXX and to dispute we needed to have documentation from XXXX XXXX someone compromised that account. Mind you this had never been told or suggested once ever before in this process. We were told that until we receive that information and send they can not review and correct. 

In further researching we have seen that there is an unauthorized sign in on XX/XX/XXXX to our chase banking account from XXXX internet which is likely when the account was compromised first. 

As it stands we have had $ XXXX stolen from us by Chase Bank and have no clue if we will get our money back. This has all happened with a cross country move scheduled in weeks and we are XXXX XXXX XXXX XXXX XXXX. Reported calls complaints and frustration with Chase has led to no results. We are following up with XXXX XXXX as well now that we finally know to but this is a horrible experience. The Customer agent I spoke to after this was all denied finally asked if we live in XXXX and were there in these dates recognizing that all the charges were from Florida and thinking that was odd. Apparently the claims and fraud department didnt think it was and was happy to DENY our dispute. 

Please help us.
Product: Vehicle loan or lease

Westlake Financial Services has been over charging me since XXXX of XXXX have a repossession occurred due to my low income and my XXXX. My car was repos on XXXX XXXX. I paid XXXX directly to the car company.Then The repo yard release my vehicle after I had to go to the police station for a repo receipt. Since then I have been charged everyone since then for XXXX extra .They have been charging me for my car note plus XXXX .I have called them several time to remove these charges.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX VA XXXX Balance Owed : {$0.00} XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau XXXX CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1300.00} These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Credit card

My credit card account is stating that it is restricted/closed. My credit card was fully functional then it somehow states there was fraud but there was no fraud on my account. Also they sent the notification in XXXX but I do not speak XXXX XXXXAlso I have a letter stating that an investigation was done on my behalf and was resolved in my favor on XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXXXXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX  - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section State
s : 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 ) ( a ) 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.