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

My original loan was {$12000.00} I have 17 % interest I have been paying on my loan sinceXX/XX/2015 to day I am only 57 %  paid up on my loan I paid {$270.00} on time payments every month for the last 4 years I believe they are charging me over contracted interest rates. I believe this to be illegal and/or discrimination by Ally financial
Product: Credit reporting or other personal consumer reports

This is to follow up despite previous attempts and assurances, it appears that the fraudulent items have not yet been removed from my credit report. This ongoing issue is causing significant distress and financial concern for me, as it XXXX adversely affect my creditworthiness and financial standing. 

I can not stress enough the urgency of this matter. The presence of these fraudulent entries not only tarnishes my credit history but also undermines the integrity of the credit reporting system. 

Therefore, I urgently request that you take immediate action to rectify this situation by promptly removing the fraudulent items from my credit file. Additionally, I kindly ask for confirmation once this has been successfully completed. With this, I am asking for your assistance to remove fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX Balance Owed : {$260.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 resulted from an allege identity theft, not later that 4 business days after the date of receipt. 
it has been 30 days and your are in violation of this law because i am a victim of identity theft!!!! please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b- Permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under 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 consumer i am demanding the deletion to the accounts listed IMMEDIATELY!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my dissatisfaction with the information you provided in response to my request for debt validation. As per my previous communication, I asked for proper verification of the alleged debt that you claim I owe. However, the documents you sent, including statements and signatures, do not adequately prove that this debt is valid and belongs to me.

I must remind you that under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692 ( g ) ( b ), you are required to provide verification of the debt in question. This includes providing a copy of the contract or agreement between the original creditor and myself, duly signed by all parties involved. The information you supplied does not meet this requirement and, as a result, fails to validate the alleged debt.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; I am writing to file a formal complaint regarding an inaccurate bankruptcy entry on my credit report. Despite having disputed this issue directly with the credit reporting agencies ( Experian, XXXX, and XXXX ), the incorrect bankruptcy information continues to appear on my credit report, which is adversely affecting my credit score and financial well-being. I have disputed the inaccurate bankruptcy entry with the credit report ( see attached letters ) doing nothing. 
I am requesting the CFPBs assistance in ensuring that the credit bureaus investigate and correct this inaccurate information in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, I would like the bankruptcy entry to be accurately reflected or removed from my credit report if it is found to be in error. 

I have attached copies of my credit reports from the credit bureaus showing the inaccurate bankruptcy information, as well as relevant correspondence with the credit bureaus regarding this dispute. 

Please let me know if further documentation is required to assist in resolving this issue. I look forward to your prompt attention to this matter. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

BofA in XXXX XXXX XXXX XXXX branch allowed some one to do a teller transaction for XXXX dollars on XX/XX/XXXX or XX/XX/XXXX and won't give me money back or let me see the footage not even the signatures My name is XXXX XXXX ss # XXXX
Product: Vehicle loan or lease

On XXXX  I paid {$1000.00} toward my principal which left a balance of {$580.00}. I had already paid my current bill of # XXXX on XX/XX/. I am being harassed to pay {$340.00} for which I am paid in advance. 

I request an investigation be done to correct this error and stop this damage to my credit report. 

Respectfully, XXXX XXXX XXXX Account : XXXXAutoPay Unavailable Amount Due Immediately {$340.00} AutoPay Status Payoff  Amount {$580.00} Payoff Good XXXX XXXX XXXX Monthly Payment Amount {$340.00} Last Payment Received {$1000.00} Account Details View Latest Statement Total Amount Due {$680.00} Amount Past Due ( Due Now ) {$340.00} Next Payment Due ( XXXX XXXX XXXX ) {$680.00} Account : XXXX Manage Account Communication Settings Statement History Payment History Account Settings
Product: Credit reporting, credit repair services, or other personal consumer reports

These 3 accounts are not mine and it keeps being reported on Experian. Please remove them I am not sure why they keep popping up on my credit reports.
Product: Mortgage

Payment was received & processed by the mortgage company, Nationstar, 2 days after the due date. This is only the first or second time we have ever been late in 15 years. 
They are charging an unbelievably high and incomprehensible late fee of {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card is reporting incorrect last payment date Please verify and delete all inaccurate accounts
Product: Debt collection

LVNV Funding is a third party Debt Collector. I have asked in writing for proof that the debt in question is actually mine. They have failed to do so. I keep getting repeated text messages and calls from them. I have disputed it multiple times to no avail.
Product: Debt collection

The following Creditors XXXX XXXX XXXX, Discover and XXXX XXXX have " charged off '' my debt to the IRS ( not to be confused with discharged due to bankruptcy ) they are listed on my attached credit report line item # 3 XXXX  ) line item # 8 Discover ) and line item # 13 XXXX XXXX. I have attached the bankruptcy documents signed by Judge XXXX. Since these creditors had already charged off the debt prior to the settlement, these funds forwarded to the banks by the trustee need to be returned to the estate in full and closed out. The addresses and contact information are included on my attached correspondence. Thanks you in advance for your help with this situation. regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXXXXXX XXXX Late Date XX/XX/22
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to Intent to I.C System INC, I received a letter in the mail in regards to a debt. However, during the process of you obtaining or purchasing this account from XXXX the original creditor, my NON-PUBLIC PERSONAL INFORMATION WAS OBTAINED UNETHICALLY. During this process, I was an uninformed consumer and FDCPA and FCRA laws were violated. I never gave you consent to obtain nor purchase my personal information.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This complaint is in regards to Chase closing my credit account for my Chase Sapphire Preferred card on XX/XX/2020. 

When the pandemic hit, it became more difficult to make regular on time payments. I am a full-time XXXX worker, and unfortunately was exposed on 4 separate occasions to XXXX positive patients. This left me unable to work for a total of XXXX  hours, with no source of additional income. In my state, healthcare employers are not required to pay employees for hours missed in the event of an exposure. 

I was able to close out a retirement account from a previous job to obtain the funds needed to pay off some past due bills. On XX/XX/XXXX I posted a payment of {$2500.00}. This payment was declined and kicked back to my checking account. By XX/XX/XXXX the payment was resubmitted and my account was immediately closed. I was completely unaware that Chase offered " pandemic assistance. '' This was something I did not inquire about, but it was never offered to me. Had I known about it, I would have been able to work something out! 

I spoke with so many representatives on so many occasions, each with there own versions of how I can get help, and which other numbers to call. I had an over the phone meeting with a banker from a branch in my state. I had even offered to pay off the account just to keep it open, and that was not an option that particular representative permitted. I was told by several that my account should be reinstated, and heard from others that it was closed due to the bounced back payment of {$2500.00}. Ultimately, I had no straight answers, and there was nothing that could be done about my account being closed. 

I then tried applying for the pandemic assistance even though my account was closed. I am unable to apply since I am no longer an account holder. I am still getting charged late fees for late payments. 

I understand that this is the first global pandemic that we have all experienced, and that everyone is operating under stress with ever-changing rules and policies. I really made every effort to correct my account with Chase, and I feel as though I was not given every option available to make these corrections. Chase opted to close my {$5000.00} credit line, which is an incredibly small amount of debt in comparison to the size of the company. I am a single mother, working full time. This {$5000.00} credit was my lifeline. Due to the financial hardships exacerbated by the pandemic, my credit it no longer at an acceptable level to apply for a new line of credit. Chase closed my last available option, despite every possible way I pleaded for any option that would keep the account open.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report I have a delinquent account with a company " Barclays Bank Delaware ''. It states the account was opened XX/XX/XXXX and closed on XX/XX/XXXX. The balance is {$95.00}. I do not recall opening this account. I have attempted to make contact with the business using the number provided on my credit report and the number provided online. I have called several times and have not yet been able to speak to anyone to find out what this account was for. It had had a terrible impact on my credit score and I need to get this resolved.
Product: Credit reporting or other personal consumer reports

Credit institution have taken multiple hard inquiry. 
XX/XX/XXXX XXXX Bank, XX/XX/XXXX Consumer Portfolio Service, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XX/XX/XXXX Regional Acceptance, XX/XX/XXXX NCC/Ed XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly, I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

My personal email was fraudulently used to open an account with Paypal. 

Since XXXX, I have been receiving email notifications from Paypal to my personal email XXXX with regards to an account with that email. I do not have a paypal account with the email address ; XXXX. I did not open a paypal account with this particular email address. I also receive notifications that a login has occurred in Kansas, US - I am in XXXX XXXX, CA. 

On several occasions, I have attempted to login to paypal with my email ; XXXX since this is my email and I do not want it associated with Paypal. However, the login process prompts me to receive a code to a mobile number I do not recognize. 

I have emailed Paypal at XXXX & XXXX several times since XXXX to attempt a resolution. Paypal has never responded to me. 

Today ( XX/XX/XXXX ) I called Paypal and I was on the phone for 30 minutes with no resolution. A representative initially said Paypal had not received any emails from me to request the account be removed. Then later on the same call, a manager I spoke to said they had the email but I had to send it in a different format. Paypal is making me jump through hoops for an account I did not open. Paypal should be completing its due diligence and have people verify the emails they are attempting to have associated with the paypal account before being allowed to use the email. 

Paypal needs to remove my email address ; XXXX from any accounts in their system immediately.
Product: Credit reporting

experian credit report has a list of accounts that are not mine nor have i ever had an account with. Also, when i print out the report the cover page doesnt have my name on it. It displays someone elses name. There is also a judgment out in my name and when i contact the company they say that they cant find me in their system and they searched their database using my name and SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. " Equifax Information Services, '' is in violation of 15 USC 1692g.They were to notify me of this in writing 5 days prior. I was not notified. As the Original Creditor, only I can validate this debt. I do not validate this debt.Therefore, the following accounts must be delete from my report immediately XXXX ) XXXX XXXX XXXX XXXX XXXX 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 reporting of these account ( s ) are violations of 15 USC 1681, and the Fair Credit Reporting Act { 15 USC 1681 ( a ) ( 2 ) ( B ) } : ( 2 ) EXCLUSIONS_Except as provided in paragraph ( 3 ), the " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issue of credit card or similar device.
Product: Debt collection

On XXXX, XXXX, XXXX, Mr. XXXX, was contacted by a Debt Collection Law Firm, " XXXX, XXXX, XXXX '', in regard to allegations he defaulted on credit card agreement with XXXX  XXXX. On XXXX, XXXX, XXXX, Mr. XXXX, who is without knowledge to confirm or deny the debt, contacted the Debt Collector to say that all communications must be in writing through certified USPS Mail. The notice was signed for by XXXX XXXX, on XX/XX/XXXX. The USPS tracking number is : XXXX XXXX XXXX XXXX XXXX. After the Debt Collector failed to sue Mr. XXXX, in XXXX XXXX XXXX XXXX, in XXXX, Ohio, on XXXX, XXXX, XXXX, Mr. XXXX, faxed the Debt Collection firm to assert they cease and desist all communications and debt collection activity, via facsimile. 

However, to this day, XXXX XXXX, continues to contact Mr. XXXX, through e-mail, in spite of the notice to cease all communications, and only communicate through USPS.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

1- XXXX XXXX XXXX XXXX Account # XXXX 2- XXXX XXXX XXXX Account XXXX XXXX Has violated my rights. 

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

In response to the letter, your company sent a pile of statement received from the creditor as proof that I was credited for the alleged transaction. Further, the creditor reported this on my consumer report as " charge off ''. It means the creditor will no longer attempt to collect this alleged debt owned by them. Therefore, pursuant to my rights, I approached the creditor and asked the following questions. 1. Have they sold this alleged debt? 2. To whom is the alleged debt sold to? 3. Are they still in the process of collecting the debt? Through the response received from the creditor, I would like to inform Transworld Systems Inc. has violated 15USC 1692j ( a ) because Transworld Systems , Inc. furnished a deceptive form to create a false belief in me as a consumer that the " creditor '' was attempting to collect the debt but in reality, it was not true.
Product: Checking or savings account

I have been trying since XXXX to get Chase to write me a letter saying I did NOT have insufficient funds contrary to their notification. They have refused. I had asked XXXX XXXX the afternoon of XXXX XXXX to sell XXXX  bonds from my brokerage account and buy US Treasuries with the proceeds. I received a letter dated XXXX XXXX saying I had {$140000.00} in sufficient funds in my checking account, that the payment was rejected and that Chase could charge me an insufficient fund fee, notify credit agencies and close my account. 
I called to say there was no way that I could have had insufficient funds because the proceeds of a bond sale were to be used fund the Treasury buy. I asked for a letter saying that the notice was in error and their response basically was that they are not charging me a fee. They refused to send a letter correcting this notification. Along the way some agreed to send the letter, but then rescinded their promise. Saying they are not at this moment charging me a fee, notifying credit agencies etc. is not the same as saying I was not responsible or guilty of " insufficient '' funds and Chase should not have accused me of insuffcient funds
Product: Mortgage

On XXXX XXXX, 2014 I received a letter from SunTrust mortgage XXXX see attached XXXX ) about my statutory right to receive refund of unearned premium of my Private Mortgage Insurance ( PMI ). Encouraged by this news, I started the refinancing process and completed it in XXXX with a new mortgage which did not have PMI XXXX see attached XXXX ). I had upon origination of the original loan prepaid full premium of my mortgage insurance and following the Homeowners Protection Act 12 U.S. Code 4902, I submitted a request for refund of unearned premium ( see attached XXXX ). I am yet to receive a formal response from SunTrust. When I call them, they verbally tell me that I will not get paid because Mortgage Insurance provider ( XXXX ) issued a non-cancelable policy. When I tried reaching out to XXXX, they would not talk to me because I am not officially their client XXXX Suntrust is XXXX. My question - is it legal for Suntrust to obtain a non-cancelable PMI on my behalf from XXXX and not refund the unearned premium when PMI is no longer applicable? And how could I have avoided pre-payment of un-cancelable PMI?
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has committed fraud. As a natural person, consumer and original creditor, they have broken the law, violated a multitude of federally protected rights against a federally protected consumer and on my behalf ruined my reputation. They have violated15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692f ( 8 ), 15 USC 1692d ( 1 ), 15 USC 1681 and many more. I recently yesterday contacted and sent the company means to help themselves after committing fraud.