23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I am a senior citizen and I was taken advantage of buying a vehicle at XXXX XXXX. I returned the car, because it was over priced and the XXXX told them to delete it, it was overpriced and I could not afford it. I have the case in the XXXX Court and the credit report under Chase says, " I made a payment and I never made a payment. '' They made it it a charge off. I 've been disputing with all the credit bureaus and they refused to take this car off my credit report. I deleted the car, cancelled the contracts and the loan I had my money on was XXXX. After XXXX seen the situation they deleted the loan and told me XXXX XXXX tried to get them to hono do the second loan. They told them no, because it was not legal. I received letters from the lawyer at XXXX XXXX threating me to do arbitration and said, " I would be the only XXXX receiving this court order. '' I cancelled the car at motor vehicle, cancelled the XXXX contracts and went the XXXX. 
They lied to the XXXX and said, " They knew the car was overpriced and they negotiated with me, which was a lie. This happened at XXXX XXXX at night and they rushed me to sign the contracts and told me they were going to make the the changes on Tuesday. This has been a nightmare how can you lie and say I put a payment on a car and turn it into a charge off. I took the situation to XXXX XXXX lawyers and they told me it was illegal. How can a past due XXXX be on my credit report if I do n't have the car and I never paid XXXX cent and I cancelled the contracts like the lawyers told me too. The credit bureau 's will not delete this car and I do not have it or want it. It is a 2015 for XXXX. I went to other XXXX dealers and I have proof the car is way over price even it writing. Chase Auto Finance # XXXX on my XXXX report and all other reports charge off is a lie. XXXX is where I had my initial loan which was XXXX percent and my money down. 
When they found out they took advantage of me and made the high price you can look at my credit report and see they deleted the loan. Chase wanted to be greedy and raised the interest rate and finance charge and took the chance to say " I I made a XXXX payment received which is a lie. I never gave Chase XXXX cent please help me it 's been a year and I feel like your my only help. XXXX you and me and I work for the government and this is on my credit report and I have a XXXX at work. Please help me I need your assistance. 
You can contact the XXXX if you do n't believe me. 
Ask Chase to give you proof of my payment, because its not true. I only had XXXX contract when I signed my house loan and XXXX offered to help me after this fraud is deleted. Please help XXXX XXXX XXXX XXXX or work at XXXX. I am only a XXXX and I can not afford the car the XXXX told Chase. XXXX XXXX. Senior citizen.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX ( credit card ) account was charged off years ago before I understood credit. I contacted XXXX XXXX recently and created new payment arrangements I think back in XXXX of 2019. I have not been late on any payments since then. Despite my on time payments from XXXX to present, the credit bureaus continue to report the payments as late.
Product: Credit reporting or other personal consumer reports

Credco XXXX XXXX 1 year 5 months Inquiry Date : XXXX They have checked my credit 4vtimes in the past 2 years. Do not know who they are
Product: Debt collection

I have NO CONTRACT for goods and services with this company. I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. This is a violation of the FCRA according to 15 U.S.C. 16921692P
Product: Debt collection

I was contacted by XXXX XXXX XXXX and Blitt & Gaines law firms that were hired by XXXX to collect a debt XXXX claimed to have purcashed from XXXX XXXX XXXX. They summons me to court and I stated I needed proof they were the legal owners of the debt. At no time I entered into any agreement with XXXX XXXX XXXX XXXX XXXX. I requested the original signiture document showing proof of the purchase from the bank. They never provided it to me. It is my belief that XXXX XXXX XXXX XXXX XXXX violated my rights in accordnace with TILA. I was not given notice in writing as to the assignment made on the alleged debt or that XXXX XXXX XXXX XXXX XXXX was considered assignee.I do not have a contract with XXXX XXXX XXXX XXXX XXXX. I also believe XXXX XXXX I is in violation of the Fair Debt Collection Practices Act. They reported on my credit report I was in collections ahead of the case ever being settled in court. The Judge handling the case asked the law firms to produce the documents but they never did. The judge told me it did not matter because I owe the money to someone and even if they did not produce the documents on the next court date he would make a decision for me to pay XXXX XXXX XXXX XXXX XXXX the debt. I even tried to work out the debt amount with them since I was being forced to pay it and XXXX said they did not have a plan in place to reduce the XXXX I owed them. So I was forced to start paying them.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion Corp. ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX, XXXX XXXX
Product: Mortgage

I refinanced my home equity line of credit with Bank of America in XX/XX/XXXX. This year they contacted me to advise that under a new program I can qualify for a lower interest rate. I applied. In XXXX they advised that they were not able to approve the application because " loan to collateral value ratio exceeds lending guidelines ''. Verbally I was told that I could qualify for {$40000.00} less then my present balance. 
I assume they are saying that my house went down in value at least {$40000.00} in XXXX year since they refinanced me in XX/XX/XXXX. The property was reassessed for XX/XX/XXXX by XXXX XXXX XXXX, and the assessed value increased by thirty-three percent ( 33 % ) since the last reassessment. 
I write to Bank of America on XX/XX/XXXX, to request information as to how they can justify their determination. To date I have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX gave me the message that my information may have been compromised in their most recent -- of multiple -- hacks. I went to get my 3 credit reports from the government website. The first would not give me it. The second -- Transunion -- has two CONSUMER REQUESTED inquiries from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX that I did not make. This concerns me and their tool for reporting an issue does n't have a section to report this type of issue. I believe anyone whose information was hacked in this should be given identity protection for far longer than 1 year as if you were a criminal with this information, you could simply wait 1 year and then do what you want with the information. This also means that verifying my identity with my financial institutions is a joke now because the information they use for that may have been leaked in this blatant disregard for data security. Why was this not salted and hashed? Why is it not mandatory that companies with this information do that? It 's not even a case where I or other consumers did something unintelligent. Instead, we have no control over the information XXXX has.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXXXXXX XXXX XXXX  Balance Owed : {$16000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX,2017 numerous disputes were sent out to the 3 credit bureau about unauthorized inquiries on credit report. i also sent out certified mail 's to creditors no response. XXXX inquires on XXXX. XXXX inquires on Experian credit report. XXXX inquires on XXXX.
Product: Credit reporting

XXXX had provided incorrect information to all of the credit reporting agencies XX/XX/XXXX concerning my mortgage. They finally corrected the information. XXXX stated in a response to complaint # XXXX filed with the CFPB that the XXXX major credit reporting agencies were notified, which included TransUnion. By the time XXXX got the information corrected, TransUnion had deleted the entire account. Per a response from TransUnion to complaint # XXXX, XXXX has not verified the corrected information, therefore they will not show XXXX as a creditor. The XX/XX/XXXX credit report that I received from TransUnion does not reflect my mortgage information. I have tried to get the corrected information on my mortgage added by TransUnion. They stated that this information need verification from creditor. XXXX states that they have sent correct information. I have to contact the credit reporting agency. Nothing is been done by XXXX or TransUnion therefore I the consumer suffer.
Product: Credit reporting

There are accounts found on my credit report that I would like to dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not aware of these accounts and they should be investigated
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$6300.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$3800.00} XXXX  XXXX Balance Owed : {$7900.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>
Product: Debt collection

I received a phone call on or about XXXX XXXX, 2015 around XXXX from Diversified Consultants about an alleged XXXX bill. I told them that I have no knowledge and further communications with me need to be written and sent through the US Mail. 

I received a collection letter from Diversified Consultants on XXXX XXXX, 2015 that was dated XXXX XXXX, 2015. 

I sent a validation letter to Diversified Consultants on XXXX XXXX, 2015 via certified mail, return receipt. It was received on XXXX XXXX, 2015. 

I was notified that a collection account was added to my consumer credit reports today by my credit monitoring service. When I looked, it was back dated XXXX XXXX, 2015. 

They are willfully violating Section 809 of the FDCPA and I fully intend to seek relief and monetary damages under the above mentioned statute.
Product: Student loan

In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I signed up for a {$50000.00} education fund that I paid almost {$2000.00} into. The {$50000.00} was supposed to automatically be paid towards my loans in the XXXX  of XXXX when I XXXX  from XXXX XXXX XXXX XXXX. About 7 years ago the loans appeared on my credit and I have tried EVERYTHING to find out why I fell through the cracks NOBODY has any answers the loans have ballooned to over {$57000.00}. I DO NOT OWE THIS MONEY I ALREADY PAID WITH MY SERVICE TO THIS COUNTRY!
Product: Checking or savings account

XX/XX/2022 : I noticed that the entire balance in my checking account ending in XXXX was transferred to another checking account ending in XXXX. 
XX/XX/2022 : The account ending in XXXX was closed. I never requested or approved it. Feeling frustrated, I called Chase customer service to find out what happened. I asked the representative why my account was closed without communication or consent, and if I can have the account restored because it's still linked to auto payments and IRS credit. I was transferred to a different representative three times. The last person I talked to mentioned that it was closed because it was compromised in XXXX. Yes, I know the account was compromised, so I FROZE the account that way no one can take money out of it and it remains PROTECTED. I had plans with the account. I even had a meeting with a local Chase banker to discuss what to do. Chase MUST HAVE communicated or, at least, informed me prior to the account closure, so I can PLAN. Why do I have to find this out myself? Does Chase even care about how customers would feel if their account is closed without knowing it? It makes me feel extremely FRUSTRATED to see my account disappears and all history of it is no longer accessible online. I am very DISTRESSED about the time and effort that I will have to spend because of this expected closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 11 accounts on my credit report that do not belong to me I have tried taking this up with the bureaus as well as the funrishers and nothing is being done I need help to remove these from my credit report since they do not belong to me. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX CO Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

The delinquent payment shown on my credit report ( Month/Year ) was a result of my job loss due to COVID-19. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis under these circumstances. Please update this information to PAID/ AGREED for the following time period. XXXX XXXX XXXX XX/XX/XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am exercising my right to challenge questionable information that I have found on my personal credit report. A fraudulent application for credit was submitted in my name without my knowledge or approval to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pulled my Equifax credit report on the same day, resulting in the following hard inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing the above hard inquiry, which I did not authorize. I understand that inquiries are a factual record of file access and are not routinely removed from an individuals credit file, however this inquiry is the result of fraudulent activity and is adversely affecting my credit standing. Given this, I request that you promptly remove the fraudulent inquiry from my credit file. It is essential that my credit report accurately reflects my credit history. If it is not possible to remove the inquiry entirely, I request that it be recoded as a soft inquiry so that it will no longer have a negative impact on my credit score. I have already filed 3 disputes through your online dispute center requesting that you remove or recode the inaccurate information from my file, and you have failed to do so. The reference confirmation numbers for these disputes are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite being provided with the option to select I believe I am a victim of fraud or identity theft and this inquiry is not mine through your online dispute filing process, I was informed upon calling your office on XX/XX/2023 that disputes involving fraud can not be handled online. If this is the case, your online dispute process is clearly misleading. I have also already filed complaints with the XXXX XXXX XXXX and the Massachusetts Attorney Generals Office, resulting in 2 more disputes being opened and closed with no remedy. The reference confirmation numbers for these disputes are as follows : XXXX, submitted on XX/XX/2023 XXXX, submitted on XX/XX/2023 Accordingly, I can show a judge that this hard inquiry is inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to remove or recode the inquiry. My previous disputes and complaints stated my reasons for an investigation, and these reasons were not frivolous in any way. I take my credit very seriously, and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. I have attached documents to substantiate my claim regarding unauthorized access to my credit file as a result of fraudulent activity. Please provide a response confirming your actions in this matter.
Product: Checking or savings account

To whom it may concern, this is the response for the previous complain ( Complain ID : XXXX ) where an check issued by Citibank has not been received but later found cashed by someone else. I have been contacted by Citibank since submitting the complaint on XXXX and have provided the executed and notarized document ( Affidavit of non receipt ) to Citibank as request. However, there was no response despite numerous email to the customer service or Citi Benefit. 

For the ease of reference, please find below for the claim number and card info used during our conversation with Citi Bank Claim Number : XXXX - Citi card ending : XXXX Appreciate for your help last time and kindly assist following up this issue on behalf of us. 

happy new year XXXX XXXX PS. I can be reached by email ( XXXX ) or mobile ( XXXX )
Product: Checking or savings account

PNC Bank On XX/XX/XXXX, while I was traveling to XXXX Texas from XXXX XXXX, someone used my atm card ( which was NOT LOST ) to purchase items at XXXX in XXXX, XXXX in the amount of {$56.00} and at XXXX in XXXX, Maryland for {$55.00}. I was never in XXXX, Maryland on XX/XX/XXXX or anytime in recent years. I was unaware of these purchases until I tried to use my debit card at XXXX XXXX in XXXX, where it was declined. When I contacted PNC Bank, they told me that they deactivated the card because they suspected fraud, which was indeed the case. They granted me a provisional credit for these 2 charges, and reactivated my card because I was in XXXX, but told me to go to my bank branch and get a new debit card immediately upon my return to XXXX XXXX. I did as instructed, and went into the PNC bank on XXXX XXXX, XXXX, XXXX XXXX upon my return, and obtained a new card. 
On XX/XX/XXXX, I noticed that the bank reversed my provisional credit, recharging me for these two fraudulent purchases. I was unable to reach the bank by phone, so I went into the branch, and I was told that PNC Bank had made a coding error, and had coded my debit card as having been lost. I told the PNC agent that I had not lost my card, but that the bank had deactivated it to prevent fraud, and that I had come into the bank to get a new card, and had then cut up that card, as instructed. The PNC agent then accessed the internal system to correct the internal system error, for the first time, inputting that my debit card had been compromised, and that I had never lost it or authorized its use. She told me it would take about 10 days to investigate, but unfortunately, the bank was not going to issue me provisional credit during this time. I told her that it was unfair that the bank would make me ( The customer ) pay for its internal system error, and that I should have access to my funds immediately, as the bank is the one that should be protecting me, its customer. To date, I have not received this provisional credit. 

In these days where banks want their customers to use their atm cards and debit cards, it is outrageous that the bank should require its customer to bear the cost of its business. I did everything I was told to do when I was told to do it. I never heard from the bank until they reversed their provisional credit because someone in the bank wrongly coded my debit card as being lost. It never was! It was compromised, which is happening more and more each day. How are we customers to survive if the banks make us pay for the cost of doing their business!
Product: Credit card or prepaid card

In XXXX of 2016 I was offered an opportunity from Chase to try several products at no or little cost. I requested XXXX XXXX and XXXX XXXX. 
The address and phone number of these two companies is XXXX, FL XXXX XXXX I received one bottle each of these products for four months. I never used these products or opened the bottle. I was not aware that my credit card was charged for these items. 

In XXXX I called the companies and was able to get a refund for the two most  recent bottles shipped. However, the companies refused a refund for the preceding months, in spite of the fact that I offered to return the unopened bottles. 

In XXXX I called my Chase regarding this dispute. I am attaching a copy of the letter which fails to resolve my dispute satisfactorily.