23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Shortly after I purchased my home, I had to have the windows replaced. The contractor I hired to do the work financed the windows and I was making payments on the loan. Then they sold the loan off and I was paying a different company. Then the loan moved over to another company and they stopped sending me statements and disappeared. I could not find out who I owed the money to and thus I had no one to pay. I tried for over three years to find who is holding the mortgage on my home and was unable to find them. A few years later I tried getting a loan on my home through XXXX XXXX, but they said I had a lien on the property for the loan on the windows. I was floored and now my property apparently is in foreclosure with a new company, Madison Management Services. I was getting help from them, but the lady who was helping me quit and the person who took over for her is incompetent. I can not get any traction on getting into a repayment plan and they have my home in foreclosure. My current income is sufficient enough to make payments on the loan and I want Madison Management Services to take a step back from foreclosure proceedings and initiate a proper review to resolve my mortgage issues. I was hoping that your agency would reach out to them to get them to work with me.
Product: Credit card or prepaid card

i have been making payments on my account with the maximum allowable amount. Capital One keep on holding funds even though it has been debited on my checking accounts from XXXX and XXXX. 
I don't understand why the hassle of having to call my bank to verify things. 
they always release it before why the hassles on my payments? 
it is like I am begging for my payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/2024 To whom it may concern : I just got my credit report and some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ). 

You also violated 15 USC 1681s-2 ( a ) & amp ; ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & amp ; ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 

Accounts 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & amp ; ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & amp ; ( ii ), and 15 USC 1681e ( b ) Once you have deleted the accounts from my credit report, please send me a copy of my updated Thank you,
Product: Credit reporting or other personal consumer reports

This is my request again that 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 items 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 ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRES WITHOUT MY KNOWLEDGE
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I reviewed my credit report and discovered a discrepancy on my Experian credit report regarding Account - XXXX - XXXX. The account was being reported as a paid account that was 30 days past the due date, along with a reported late payment that is incorrect. Upon investigating, I contacted Experian on XX/XX/XXXX to rectify this discrepancy. On XX/XX/XXXX, I received a notification from Experian stating they received my dispute and would begin an investigation. I expected them to forward all relevant information to the original creditor to ensure a proper investigation of my dispute under the FCRA 611 ( a ) ( 2 ) ( b ) law. However, on XX/XX/XXXX, Experian responded that the investigation was complete and the information was verified. According to FCRA 611 ( a ) ( 7 ), I should have received all the information used for my investigation. The account is still being reported inaccurately, negatively affecting my financial standing.
Product: Payday loan, title loan, or personal loan

My complaint is with title max XXXX az XXXX & XXXX school I have had this title loan on my back for XXXX years n the principle never goes down its almost like you have to pay it all back at once the payments mean nothing I pay XXXX a month for a XXXX dollar loan which in XXXX years I have given over XXXX dollars to these people as of right now XX/XX/XXXX my vehicle has been XXXX  in Texas I am here visiting family XXXX they took my truck knowing I have made XXXX years of payments an quickly paid to get my truck back previously meaning the same thing happened on XX/XX/XXXX XXXX XXXX an I had to go thru this process this is sickening how they can get over on people ruin their holidays an the people at the office who I make my payments too every month for XXXX years constantly act as XXXX they dont know who I am every time we speak didnt have the thought to call me XXXX let me know before they decided put in for XXXX this is crazy my truck is a XXXX XXXX XXXX for me to over pay this much something has to be done it has to be something I can do an on top of recent repo I lost my job Cuzz the XXXX company says I have to wait till mon to retrieve my truck due to so many XXXX  in Texas so Im stuck paying a hotel room till Monday at XXXX thats when they say I can have my truck back after I have already paid in full Friday this is not what a loan company should be able to do to someone thats actually paying for something I needed
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT 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 ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$360.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PAYMENT HISTORY LEGEND Status Account charged off. {$360.00} written off. {$360.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$360.00} Highest balance $ XXXX  Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit XXXX 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX 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 alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Credit reporting or other personal consumer reports

In XXXX and XX/XX/year> there were two separate student loans taken out in my name the first one was for the amount of {$19000.00}. The second one was for the amount of. {$11000.00}. The loans were taken out for my daughter XXXX XXXX who was XXXX XXXX XXXX XXXX not me I had no knowledge of any loans being taken out. I did not sign any paperwork I did not fill out any paperwork. I contacted the financial Institute and they had all false information. They had the wrong email address wrong address, wrong phone number. They have the correct information now because I gave it to them, these loans do not belong to me and I do not think its fair that I have made several attempts to try to get them off of my credit report so I am asking that a full investigation be made regarding these accounts
Product: Debt collection

My identity was stolen & used to open several credit card accounts. They used my information fraudulently to open 2 accounts with XXXX XXXX credit card. I was unaware that accounts were opened until it was reported to credit reporting agencies.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX We Sent Out A Dispute Letter Asking Equifax Credit Bureau To Verify Make And Sure That They Are Reporting 100 % Accuracy On My Credit Report. I Gave Them 30 Days To Respond And I Didnt Receive Any Response Back From Them. According To FCRA Section 611 ( ) U.S.C 16811 Metro To Compliance Standards, I Challenge All Inaccuracies And Deficiencies Of Reporting. Today Is Now XX/XX/XXXX I Am Now Reporting Equifax To A No Response
Product: Debt collection

American Leading, keeps sending letters to repossed auto. I reported that due to the Pandemic Covid 19, Lost Job. The Dept of unemployment have on hold all benefits due to point of conflicts. So far I have not made some payments.
Product: Checking or savings account

After reviewing my Chexsystems account, I noticed accounts and inquiries that were not familiar to me. I sent a validation letter to Chexsystems on, XX/XX/2023 requesting information on these accounts and inquiries. On XX/XX/XXXX, I sent off a letter asking Chexsystems the method used to verify these accounts and inquiries they marked as verified. I got no correspondance from Chexsystems. I have yet receive any information that justify the reporting of the accounts and inquiries on my Chexsystems report. Please find the list of accounts and inquiries below and validation letter sent. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I booked a hotel room from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX I paid for the room through a third-party website XXXX XXXX XXXX with my XXXX balance and received a confirmation email for the reservation. 

Upon check-in, the employee at the front desk told me she was having difficulty seeing my reservation in their computer system ; claiming that it had to do with the fact that they were a new hotel. She said she would need a credit card from me to have on file. I wanted to ensure that they would not charge me again, given the fact I had already paid through XXXX. The employee assured me that they would not be charging me, just needed the card on file. I provided them with my Chime debit card. 

Sure enough, days later, there was a charge on my bank statement for the amount of the hotel room ( {$120.00} ). After calling around to both XXXX XXXX XXXX XXXX XXXX XXXX, I was basically given the runaround... being passed back and forth between the two companies with no real resolution, even though a XXXX representative confirmed with me that there was, in fact, a double charge on the hotel 's side. I then decided to dispute the transaction with Chime on XX/XX/year> after getting nowhere with the other companies. Then, XXXX instructed me to cancel the dispute with my bank " in order for them to issue my refund ''. So I cancelled the dispute and once I informed them of that, they emailed me to confirm that I should receive the refund within no more than 50 days, and if I did not, to reach back out to them. This all happened between XXXX XXXX XXXX. After 50 days came and went, still no refund and no resolution from XXXX. They just disappeared and continued to disconnect my calls each time I tried to reach out for help. 

So I went back to Chime and reopened the dispute ( XX/XX/year> ). I provided all the supporting documents ( bank statements, receipts, email correspondence ) that they requested to investigate. Every representative I spoke to confirmed that I was doublle-charged and that XXXX did, in fact, promise that I would receive a refund once I cancelled the dispute with Chime. I have made several attempts to dispute the transaction with this bank, and each time they have refused to put the money back on my card, citing that there " were no errors found ''. It has been 6 MONTHS, and still no refund. 

At this point, this can be considered theft. All three of these companies have dropped the ball and seem to care very little about their customers ' needs in a real way. It felt like they were just passing the problem off to the next so that they wouldn't be held responsible. For a simple refund of {$120.00}. To the average American, in this economic climate, that is a lot of money. It makes me not want to use any of their services again in the future, including my own bank. 

Shame on these XXXX XXXX CORPORATIONS for taking advantage and not being accountable.
Product: Credit reporting or other personal consumer reports

This letter is being sent in response to a consumer report recently obtained by the Claimant from XXXX, Equifax, and XXXX. Please be advised that XXXXXXXX XXXX XXXX is reporting damaging information, which has caused undue distress. 

It is my contention that XXXX XXXX XXXX XXXX XXXX to report such information or to attempt collection on the alleged debt. Accordingly, be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, XXXX XXXX XXXX et seq., and the Fair Credit Billing Act, XXXX XXXX. XXXX.
Product: Vehicle loan or lease

On XX/XX/2017 I was in a car accident with my family. The truck was only one year old and the at fault driver 's insurance declared it a total loss. The insurance company made a payment in early XX/XX/2017 ; however because I did not have Gap Insurance, there was a residual amount due. The whole process was very confusing, and I do not recall receiving guidance from Bank of America on how payments were to be made once Insurance made the bulk payment. I was under the impression that with the insurance company making a payment in XX/XX/2017, I did not have to make one in  XXXX and could pay off the residual amount the following month, which I did within 30 days of the XX/XX/2017 due date. Because I did not make a separate payment in XXXX, I was turned over to the credit bureau ( with the loan fully paid off ), even though I was a customer in good standing and never made a late payment prior to this situation. Reporting me to the credit bureau has tarnished my credit report and impacted the interest rate on a recent purchase I financed. I feel that Bank of America should have been more understanding with the situation I was going through ( i.e. the accident, dealing with a pile of medical bills and communications ) and at a minimum tried to contact me via phone or email to make sure ( i.e. positively confirm ) I understood my responsibilities as a consumer. I feel like they took advantage of the situation and am very disappointed as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN BATTLING THIS ISSUE SINCE XX/XX/2023 WITH A FRAUD CREDIT CARD REPORTING AND ALSO A COLLECTON ON MY ACCOUNT THAT WAS RECENTLY ADDED. FOR THE CREDIT CARD I ALREADY SENT IT ALL DOCS PROVING THAT I AM A VICTIM OF IDENTITY FRAUD AND THE ACCOUNTS I AM DISPUTING DO NOT PERSONALLHY BELONG TO ME. BY LAW YOU ARE BREAKING THE LAW AND TRYING MY RIGHTS AS A CONSUMER. PER 15 USC 1681 IT IS ILLEGAL TO FURNISH ANY INFORMATION ON A CONSUMERS REPORT WITHOUT THEIR PERMISSION. AND REPORTING FALSE INFORMATION AT THAT. I DID NOT AUTHORIZE NONE OF THE BUREAUS TO FURNISH THIS INACCURATE UNORMATION. THIS INFORMATION MUST BE DELETED BY LAW OR I WILL HAVE TO TAKE LEGAL ACTION SOON. I HAVE ALREADY REACHED OUT TO MY STATES ATTORNEY GENERAL AND ALSO THE XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following inquiries from my credit report, as I am a victim of a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and 605 ( b ), I request that these inquiries be removed from my credit file : Inquiries to be blocked and deleted : XXXXXXXX XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX  Date of Inquiry : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the consumer in fact, a natural person and a federally protected consumer under title 15 chapter 41. This complaint is a result of unfair & deceptive practices that harmed me, a consumer privacy, defamation of my character & reputation.

I have sent a letter to Equifax XXXX XXXX XXXX  ON 10/8/21 demanding that those inquiries ( transactions ) to be removed from my consumer report based on 15 USC 1681a ( 2 ) ( b ).

Those inquiries were not removed.

I the consumer and the card holder didnt not benefit from the extension of credit to the financial institutions below that resulted in adverse action. 1681a ( K ) I didnt benefit from the extension of credit and didnt give any explicit authorization and written instruction for it to be furnished on my consumer credit report. This is a clear violation of my privacy and defamation of my reputation. 

The above are clearly FCRA violations of my federally protected consumer rights and therefore all the disputed inquiries should be removed from my report immediately. 

Disputed inquiries to be removed immediately : XXXX XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I am deeply concerned about the presence of this late payment on my account, especially considering my consistent track record of making timely payments. Its existence is causing me significant distress, and I implore you to rectify this error promptly by removing it from my account
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX continue to report inaccurate information that is damaging my consumer report and causing me harm. 

There are several inconsistencies among the reporting agencies. Please delete the inaccurate information. My name is XXXX XXXX, delete any other name it is not mine. Proof my resident is attached to this complaint as I have submitted the documents several times. 

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also Known As : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX - Former : - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX XXXX XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX IL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Checking or savings account

My Chase account was closed by the bank on XX/XX/2023 due to unknown reasons. They said they would send me a check for the remaining balance. Its been over four months now, I go to their banks and call their costumer service regularly, but they have been telling me to wait every time. I am an XXXX XXXX here, without that bank account, I am really struggling with my financial situation. Please help.
Product: Debt collection

Ive just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile