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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date : XX/XX/XXXX JPMorgan Chase Bank , N.A . 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Complaint Regarding Fraudulent GAP Insurance on Vehicle Loan Dear Chase Representative, I am writing to formally address and dispute the terms of my vehicle loan for a XXXX XXXX XXXX financed on XX/XX/XXXX, under account number ending in XXXX. I have discovered that the dealership involved in this transaction fraudulently included GAP insurance in the loan terms, despite GAP insurance not being permitted for commercial vehicles. 

At the time of purchase, the dealership misrepresented the necessity of GAP insurance, presenting it as a required part of the loan agreement. This misrepresentation constitutes fraudulent behavior. Furthermore, JPMorgan Chase Bank did not acknowledge the GAP insurance in the final loan expenses, even though it was paid as part of the transaction. This omission and lack of disclosure further contribute to the lack of transparency surrounding this loan. 

As the GAP insurance was inappropriately added, and the dealership 's practices were deceptive, I am requesting the following : Investigation into the dealership 's practices related to this loan and the improper sale of GAP insurance. 
Immediate removal of the loan from my records, as it was established under fraudulent and misrepresented terms.

Refund of any amounts paid toward the GAP insurance as it was not legally or contractually applicable to this vehicle.

Attached to this letter are relevant documents, including details of the vehicle loan and terms. I believe these demonstrate the issues with the loan and GAP insurance.

I request a timely response and resolution to this matter. Please contact me directly at XXXX or XXXX if you require additional information or documentation. 

Thank you for your attention to this serious matter. I trust that Chase Bank will uphold its commitment to ethical financial practices and work with me to resolve this issue fairly.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified the following items to be inaccurate. I disputed these items and I disagree strongly with the results. Please provide how this information was validated as required by 15 USC 1692g. Validation of Debt. 

XXXX XXXX XXXX-VERIFIED AS REPORTED XXXX XXXX XXXXVERIFIED AS REPORTED XXXX XXXX XXXX XXXXVERIFIED AS REPORTED XXXX XXXX XXXXDELETED XXXXXXXX XXXX XXXXDELETED XXXX-VERIFIED AS REPORTED Account Number : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I have sent letters to the credit bureaus in regards to inaccurate and false accounts and inquiries that was and is being reported to my credit report. I am being taken advantage of and ignored. The consumer laws says that 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. The accounts being disputed should be deleted now. I demand the accounts be deleted immediately or i will file for litigation due to the stress these fraudulant items have caused me with no help from the credit bureaus. My personal information was impacted by the XXXX and bXXXX  XXXX XXXX data breach as well as my personal information stolen from my personal possession in XXXX. 

These accounts are adversly affecting my credit report and hindering me from maintaining an accurate report and from obtaining credit. I have filed complaints with the Federal Trade commission and XXXX XXXX XXXX due to these fraudulent accounts becaus I have no knowledge of the accounts. I refuse to keep sending in letter to be told that I am not my self even though I am sending in my License, social security card and a utility bill providing sufficient identity verification AND I have called numerous times in regards to not receiving update to the letters sent! I will not wait another 30-90 days to hope a response/update will come.
Product: Student loan

In XXXX of 2003, at the age of XXXX years old, I was listed as co-borrower on a classmate 's student loan application. I was told I was needed as just a reference by the classmate, so I agreed to that. Navient ( XXXX XXXX ) never spoke to me in the underwriting process, nor did they conduct satisfactory due diligence in approving such a loan. As a classmate with my own loans from them, it makes zero sense that I commit to paying for another student 's education. After bringing the situation to Navient 's attention, they refuse to remove me from this loan as co borrower DESPITE the loan being in good standing. To lend to two unrelated students for one of the parties education, while both are students is EXTREMELY PREDATORY AND UNETHICAL. I was not competent in understanding the process and I was grossly taken advantage of. Please Help!
Product: Checking or savings account

Hello, I received a piece of mail from PNC bank personally addressed to me, offering a {$500.00} checking reward bonus after signing up and meeting the stated requirements.I have the piece of mail saved and scanned into PDF form ( attached ). 

I signed up exactly as instructed and chatted with a PNC agent to verify that all my application was complete and eligible for the mail offer. I then completed the requirements that were stated in the time frame required. PNC has not fulfilled their end of the agreement in paying the stated checking bonus. I have not heard anything back from them about this issue. Thank you.
Product: Credit reporting or other personal consumer reports

Dear Equifax My information was sold and bought illegally because I was a victim of the Equifax Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. Follow all verification reinvestigation proceders and guidlines through FCRA rules. 
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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

Credit score dropped XXXX points due to a decrease of an account balance
Product: Mortgage

I received an escrow analysis from Specialized Loan Servicing XX/XX/2023. 
they projected an increase of monthly escrow and shortage payment total of {$400.00}, the figures for real estate taxes they paid were incorrect. I contacted XXXX County treasury and requested receipt of taxes paid for 2023. speicalized Loan paid the correct taxes but used incorrect figures in the escrow report. 
sent a Notice of Error requesting correction which they received on XX/XX/2023. 
the Notice of Error also pointed out the my property has senior tax freeze so the taxes will not increase. 

speicalized loan servicing has not responded as of XX/XX/2023 to the Notice of Error, which is past the 5 day window for response. 
additionally have sent 2 emails through their web site asking for a respsone. 
the mortgage payment due XX/XX/XXXX with a grace period ending XX/XX/XXXX. I have not sent the payment with the increased escrow portion as I am very concerned they will not correct the escrow error.
Product: Checking or savings account

XXXX # XXXX Bank Of America Back in XXXX, this year 2023, I made a deposit on my account. of almost {$4100.00}, of which {$3800.00} and some change was XXXX checks on my brother 's name. Bank of America closed my account and returned the existing balance except the amount of the checks on my brother 's name. I am being trying to get in contact with the department that it does the investigation since they Bank of America treating the deposit as a fraud. Since I made many calls to see were its the money, even I ask to return the money to the company who's issue the checks and nothing it's been done. I need your help to get my money brother 's money back. We work hard to get the money and survive. Bank of America has not right to keep my money. It's been 4 months and so far, no money, no answer, no nothing. 
thank you for your help on this matter. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My total XXXX XXXX bill was due on XX/XX/23 in the amount of {$160.00}. I paid this balance IN FULL on XX/XX/23 the day before it was due. To my knowledge, this account was paid off and I no longer owed any money. Apparently, the next billing cycle, XXXXXXXX XXXX charged me {$3.00} in interest ( even though the total balance was paid off ) and they continued to charge me interest and late fees for 6 months without my knowledge that there was even a balance. They reported it to the credit bureaus on XXXX even though, again, I was under the impression this account was paid off in full. I never received any phone calls or emails saying that I had late fees or was late on any payments and it was not until I ordered a copy of my credit report that I saw this was on there. I have called XXXXXXXX XXXX  3 times and no one will help other than telling me to write a letter but I need this taken off of my credit report IMMEDIATELY. I can not believe XXXXXXXX XXXX has the audacity to ruin my credit over {$3.00} that I was unaware of!
Product: Checking or savings account

I deposited a check at a Bank of America ATM on Wednesday, XX/XX/2019, at about XXXX XXXX  in XXXX, Massachusetts. I received an immediate notice that I would have a hold on the funds until XX/XX/2019. The check was from a Massachusetts company and drawn on XXXX XXXX  in Massachusetts. 

I spoke to Bank of America by phone on Thursday and they told me that the reason for the hold was " confidential '' and they could not tell the reason to me. I have no history of depositing check that are returned and have commonly deposited checks of similar amounts ( {$5000.00} ). The funds were withdrawn from XXXX XXXX   immediately. 

I have provided Bank of American with an email from the controller of the company that wrote the check with a copy of both sides of the check on Friday. But, Bank of America refuses to release the funds to me or tell me why they will not. I am avoiding depositing any checks or cash into this account as they may also receive a " secret '' hold order. Bank of America has put no other limits on the account.
Product: Debt collection

I'm unaware of this debt. I did not have opportunity to dispute it due to notification. If in fact you believe you supplied me with proper notification please provide certified mail with receipt baring my signature. If not, please remove this account or I'll pursue legal action.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to property investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hour stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administration proceeding ( File No. 2025- CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts and inquires on my report and in accordance with the Fair Credit Reporting act there is 5 ( five ) inquires, that has VIOLATED my rights.15 USC 1681 section 602 A states I have the right to privacy. you also have violated 15 USC 1681 section 604 A section 2, which states a consumer reporting agency can not furnish an account without my written or oral consent/instruction and I have not given neither. This has caused me emotional and XXXX XXXX and id like for everything listed to be removed/deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

US DEPT ED XXXX {$2300.00} US DEPT ED XXXX {$1700.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXXXXXX {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a inquiry from XXXX XXXX that was not authorized from me. I have cell service with XXXX  and always had. I have contacted XXXX and they stated they would remove it. It has been over 2 months since I spoke with them and the inquiry still remains. I also contacted the Equifax and no help there. Please advise on what can be done to get this inquiry removed.
Product: Credit reporting or other personal consumer reports

Didn't send documentation of complete payment history of the car loan
Product: Debt collection

I had previously filed a complaint against Rent Recovery Solutions and stated they had provided no proof of debt and began sending harassing phone calls along with calling at all hours of the night and day attempting to collect a debt from XXXX XXXX XXXX. 

The date of my initial complaints were XX/XX/XXXX. 

I have valid proof no debt was owed to the creditor. 

Today, is XX/XX/XXXX and this company is continuing to harass me. I am receiving non-stop calls. I've done my research and via the Fair Debt Collection Practices Act they are not allowed to call me between XXXX and they have violated this as you'll see in my screen shots of missed calls from this company. 

Their most recent call to me was at XXXX. The number they are calling from is XXXX. In a six day span I have received 9 calls from this company which is also a violation of the Fair Debt Collection Practices Act. 

On XXXX XXXX XXXX  and along with my state 's attorney general I have filed complaints against Rent Recovery Solutions for Debt Collection Fraud. 

On my account from the original creditor XXXX XXXX, it shows I owe no debt, have XXXX balance and have no delinquencies which I will be attaching for your viewing.
Product: Mortgage

Hello On XX/XX/XXXX I made a online payment to Vystar to my XXXX of the amount of {$500.00}. 
I printed a confirmation also. The problem is that it still shows I have not paid. 

I talked to XXXX teller XXXX and she said she will pass the issue up the food chain.. 

My account now shows I am 16 day late. 

XXXX  account XXXX
Product: Bank account or service

I got an assignment from Mystery Shopper on XXXX/XXXX/14 via XXXX with XXXX money orders for {$960.00} each from Mystery Shopper to carry out some assignments and report to them how courteous the Employees were while I was carrying out the assignment. I was not aware that there were fake moneyorders and Mystery Shopping assignment was a scam or I would never had cashed these checks and so I felt like Chase Bank did n't protect me from being scammed because I never had {$1900.00} in my account and I ca n't believe that Chase is not aware of fake moneyorder and also they did n't use the 3 day waiting period that was put in place to protect unsuspecting customers like me who are clueless. If the teller had waited before giving me all the cash against my account these fake money orders would have been identified and my account would not have been placed in overdraft for the amount of {$1900.00}. Rules and Regulations are put in place to protect customers and I am disappointed in Chase for not investing in and also teaching its tellers how to identify fake moneyorder and not to cash it against customers account and them charge me all these fees every month and expect me to be paying them for not protecting me from being scammed by waiting 3 business days before cashing large amounts of money and then blaming me for this debacle and destroying my credit, when this should be placed squarely on Chase lack of following banking rules that were put in place for a reason to protect customers from this same nightmare it has being going on for too long and has destroyed my credit score. I have written XXXX letters to the bank seeking a resolution but they are saying I 'm at fault I cashed fake moneyorder and I think Chase did n't protect me from being scammed by not investing in training the tellers who should be aware and ahead of scammers and not allow them to destroy people 's finances. I 'm distraught this is going on for 10 months now. I filed a complaint with the police they took the XXXX the copies of Fake Moneyorder and all information, the bank promise that FBI would be involved I would like to know if the bank was not aware of Mystery Dhopper scam like me.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the accounts, as I continue to dispute the presence of fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report regarding these fraudulent accounts. Following my submission, both XXXX and XXXX removed these accounts from their records. 

I have also directly contacted the banks associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX ...., XXXX XXXX XXXXXXXX XXXX ....
Product: Vehicle loan or lease

I paid off the loan and they claimed it was paid late reflecting on my credit report for the last two years Ive contacted them theres been no efforts to help with this problem. I made every payment on time as contractually agreed yet still they say the last payment was paid late.
Product: Debt collection

On XXXX/XXXX/2016, I opened an account with XXXX. I got a derogatory remark on my XXXX credit repot stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated 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 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 I'm looking forward to your assistance to update these items as soon as possible. If you do not comply with the request, the items should be repaired as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. My request for the correction or removal ofthe erroneous information about my account has been diligently neglected by TransUnion.Despite sending them the last letter, dated XX/XX/2022, for the said request, I have notreceived any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the FairCredit Reporting Act, 15 USC Sections 1681i within the time permitted by law andcontinued reporting unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

The company refused to take my payment by phone and wouldn't help with problem on web site Raise my forbearance payment with out telling me and my statement shows no rise in payment. 
Refuses to send any paperwork to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit companies XXXX XXXX, XXXX and equifax, all have XXXX  insurance on their site stating I owe the company XXXX  {$180.00} dollars. I recently have been trying to paid off my credit so im working with a credit repair company XXXX XXXX XXXX! XXXX  told me that XXXX  have been reporting negatively to my credit since last year. I thought that was odd because I paid XXXX  the money in full last year and open up a new policy with them. Since then I havent missed a payment for a year and Ive been on time. XXXX is still reporting me negative to all three credit agencies to this day!!! The credit report company has also asked XXXX  to remove these items and they refused. So I called XXXX  and explained I wanted this removed from my credit they said it was out of there hands to call the collection agency so I called them and they said they couldnt removed it to call XXXX  back! So I put in complaint with the credit agencies thats allowing this hurtful information to stay on my credit and no one is doing anything! Also there is a second bill with a company XXXX. The original balance I owed was over {$5000.00} dollars I paid it down to {$1300.00} but some reports say I didnt pay anything on the bill at all, while others say the original amount was only {$1800.00} but all are incorrect with no payment history or very little payment history. Im disputing this information because its incorrect. This has been damaging my credit scores and rating for years I want something done about it!