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

In 2014 false papers was submitted to obtain a car loan and paying the loan has been a struggle I even asked to get the car refinanced for lower payments that was never approved I lost my income and the car was repo and one time and I'm still having hard times. 
Also I qualify for the lawsuit for the giving me a loan I couldn't afford that I'm stuck with and it's been so bad I had to seek medical help for XXXX XXXX. ALSO my ex fiance has filed bankruptcy and has gotten his name off the loan which has made this even more of a nightmare Payoff Quote Account Number : Collateral : Payoff Amount : ( This payoff is good for 15 days from todays date ) Daily Interest : Payoff Through : To Whom It May Concern : This Payoff Quote is being provided in response to a request by the account debtor ( s ) on the account set forth above or their counsel. NOTICE : TO THE EXTENT THAT YOUR OBLIGATION WAS DISCHARGED, OR IS SUBJECT TO AN AUTOMATIC STAY UNDER TITLE 11 OF THE UNITED STATES CODE, THIS STATEMENT IS FOR COMPLIANCE WITH THE STATE LAW AND/OR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE AN ATTEMPT TO COLLECT A DEBT OR IMPOSE PERSONAL LIABLILTIY FOR SUCH OBLIGATION. The estimated amount to satisfy the above-referenced account is set forth above as the Payoff Amount. This estimate is good through the Payoff Through date set forth above. This payoff amount is subject to a final  reconciliation and accounting and may change if there are returned payments or fees assessed on the account within 30 days of this quote. This payoff amount does not deduct unearned premiums for ancillary products, such as GAP or Credit Life insurance, purchased and financed within the loan. Canceled ancillary products with unearned premiums received may be refunded, if applicable.Title will not be released until the above-referenced account is paid in full. Please be advised that the payoff effective date will be the date we receive the funds. For a payoff sent after the Payoff Through date set forth above, please add ____________ for each additional day
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and here on the website here. This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now. XXXX  XXXX, XXXX XXXX XXXX  I am doing this on my own behalf and really need someone to help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to resolve this issue multiple times but I'm getting no where. The accounts that are listed on my report that I'm disputing doesn't even have an address listed on my report so how are the accounts being verified??? I don't have a name, telephone number or any way of contacting these companies so how can the accounts verify as my accounts?? I need the accounts removed immediately. Their are laws put in place for this type of issue to protect a consumer but what do you do when they aren't being followed??
Product: Credit card or prepaid card

Pentagon Federal credit Union has placed several accounts on my credit bureau that I never applied for. I am a victim of identity theft, These accounts are not mine. A hacker used the personal information he obtained on the XXXX XXXX because of the XXXX  Data Breach.
Product: Debt collection

I made an appointment at XXXX XXXX on XX/XX/20 after listening to an advertisement on the radio. I attended the appointment and filled out paperwork while I waited in the lobby. The receptionist advised me that their company used Care Credit thru Synchrony bank for payment. As I waited for my appointment, the receptionist called one credit card company which I was denied credit and then she called Care Credit. As I sat in the lobby, she provided my personal information over the telephone ; name address, date of birth, and social security number. After overhearing that I had been approved, she handed me the telephone and the person on the other end of the phone confirmed my identity and was told to hand the phone back to the receptionist. I was called to the back room and received an injection into my left knee. I hen was told to bring my credit card ( s ) for the balance due of {$9000.00}. I left the office in pain and called back advising that I would not be returning for any other treatment since I felt worse than I did before the injection. 
When I received the credit card statement, XXXX XXXX had maxed out the balance which was more than the treatment cost on the date of the service. When I complained to Care Credit they advised me that since the paperwork sated " no refunds ''. I owed the entire amount. I advised them that I did not receive {$3000.00}. worth of treatment per their fee sheet that they provided me. I advised them that I would pay the amount of the treatment I received not the maximum amount charged. My bill was never corrected. The receptionist was provided with the credit card number by Care Credit and not the me. I didn't receive the credit card information until I received the physical credit card in the mail and the statement several weeks later. At no time during my visit XXXX XXXX, was I never asked for payment or how II planned to pay for my treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I submitted an FTC report to all 3 bureaus. There were accounts listed on there as a result of identity theft. Pursuant to 15 USC 1681c-2 a block of this information was supposed to take place. There has still been no block. After looking over my consumer report I also realized that my information was disclosed to a 3rd party. Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from a consumer report pursuant 15 USC 1681a ( 2 ) ( B ). The bureaus are in violation of the FCRA. The FCRA is the federal law. My consumer rights have been compromised. I am suffering from my rights being violated as well. I'm trying to refinance a vehicle!
Product: Checking or savings account

Back in XX/XX/XXXX I recieved a 1099 in the mail it stateted that my XXXX claim was XXXX dollars I did apply for Unemployment but I never received anything after applying I tried calling the Unemployment office but I could never get through.Long story short someone stole my information and received my debit card through Bank of America and used all my funds.There was one account with many extra cards ordered so when I called BOA they set me up with 2 claims one for XXXX & a second one for XXXX dollars.I have made 2 police reports I reported my identity theft to the FBI, FCC MY Attorney General EVEN the Unemployment office has recognized this theft as fraud.BOA DID APPROVE THE XXXX But they keep saying I gave someone permission to use my funds.They are punishing me for there mistakes on XXXX XXXX tjey denied my claim again I am at a lost I have been speaking with a Attorney and I also will be calling my local news for vindacation on this matter .It is there fault they gave my money to som6else and they can not even give me a explanation they sent the documents they used to deny my claim and all it is is the account statement from XX/XX/XXXX till XX/XX/XXXX it makes no sense they are the same ki d of transactions from the XXXX dollar claim.BoA has a zero fraud liability that is there policy and instead of doing there job and finding out who the thief is that stole my identity/Unemployment I think it is easier for them to just deny the claim instead of doing there job.I have documentation and proof of filling the police reports EDD recongnizing this as fraud I do not understand why BOA is doing this to me.I am at a standstill and I want what is mine I want my money they are punishing me for making mistakes.I will not stop until I get what is mine Banks should not be able to steal our money.
Product: Mortgage

I accepted XXXX months of XXXX  due to damages sustained during XXXX XXXX. I resumed payments after the forbearance period and they are now reporting me late on the credit bureaus which has resulted in denial of a XXXX XXXX and closure of some of my credit accounts. This has had severe financial harm to my situation. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was turned down by XXXX  XXXX XXXX XXXX due to Lexis Nexis Business reporting. 
I have not been able to get this report, trying numerous times. 
It is my legal right to have access to this report. 
They have a XXXX world company answering their phones for XXXX consumers/business people, I have called them many times and have uploaded all of their information requested and they still won't send my report.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My bank had a payment that cleared my account XX/XX/2020 in the amount of {$18000.00}. However, my discover credit card do not have any payment posted to my account. I called Discover Credit Card to notify that the payment has not posted to my account, and they have told me that they can't do any type of investigation until after 10 business days. I explained to them that is creating a financial strain giving the amount of money that I paid, but they refuse to help or investigate. They also instructed me that after 10 days it can take 10 -14 days for them to investigate further. My concern is this puts me in a financially uncomfortable position where there is {$18000.00} not accounted. I told discover that I have the trace number that the bank have given me, but they refuse to take any action until 10 days after the date the funds cleared my account.
Product: Credit reporting or other personal consumer reports

Unfortunately I have identified several inaccuracies on my credit report and subsequently reached out to the credit reporting agencies to address these issues. however, the credit reporting agencies have not adhered to Federal Trade Commission regulations and have failed to correct These discrepancies, this noncompliance represent a clear infringements on my consumer rights I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of this name must be removed. Addresses. Only the address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And the address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX They must be removed immediately In the birthdate/year of birth field XXXX this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. XXXX XXXX " this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my credit report. Late payments XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Late payments XX/XX/XXXX Account name XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account name XXXX  XXXX account number XXXX date opened XX/XX/XXXX late payments XX/XX/XXXX XX/XX/XXXX Accounts to be deleted XXXX XXXX XXXX Account number XXXX. This account is reporting XXXX account. {$570.00} past due as of XXXX XXXX but this is a collection account legally, a collection account can not be reporting as a past due balance as the account already has been sent to collections. This account is reporting in accurately and must be removed from my report immediately. Pursuant to the laws 15 USC 6802, 15 USC 1681C2 and FCRA 605B I demand that this account be removed within four business days As permitted by federal law
Product: Checking or savings account

I use   XXXX   XXXX   to budget and avoid overdrafts and they depend on the bank to send updated balance and transaction information. The bank has been consistently and unacceptably slow at sending this information.
Product: Credit card or prepaid card

I was at work on XX/XX/2021. While I was at work I received a notification on my phone stating that two charges were made at XXXX XXXX XXXX. XXXX XXXX, CO XXXX. One transaction for {$95.00} and another transaction for {$89.00} both of these transactions were made at XXXX on XX/XX/2021. I already placed a police report with XXXX XXXX police department. No i have never shared my account information with anyone or have never lend my card to anyone. I had my debit card on me the day of the incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and XXXX! I can not accept this!
Product: Credit reporting or other personal consumer reports

I AM BEYOND FURIOUS WITH EQUIFAX THIS IS NOT MY ACCOUNT IT IS FRAUD XXXX XXXX NEEDS TO BE DELETED I KEEP GETTING PUSHBACK THAT YOU DONT HAVE MY SS EVEN THO ITS BEEN PROVIDED.
Product: Credit reporting or other personal consumer reports

VICTIM OF IDENTITY THEFT PLEASE SEE ATTACHED LETTERS ISSUD TO FINANCIAL INSTITUTION AND BUREAUS BANK OF AMERICA XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My payoff was XXXX XXXX then I noticed my payoff went back to the amount of when I first purchases the vehicle. I looked at my statement and realized my payments werent being applied between principal and interest as they previously were but now strictly Interest which means at this rate Ill never own the car and Im just renting it. How is the balance still the same from XXXX  when I purchased until now? Nobody at westlake finance can answer that question. I mentioned voluntary surrendering the vehicle and was then told Id have to be APPROVED before I could do that. Ive never heard such foolishness before in my life and Ive financed several vehicles. Please help.
Product: Mortgage

This is an amendment to my prior CFPB complaint submitted against this unethical comany. Complaint # XXXX. 

Last week I discovered that Chase failed to pay my home owners insurance annual premium, FROM THE ESCROW ACCOUNT THAT IS AT ISSUE IN MY PRIOR COMPLAINT, when I got a text from my insurance company telling me that my policy would lapse at XXXX that night if not paid. 

When I called Chase, I was asked to confirm that XXXX was my current carrier. I advised them that there had been no change and was puzzled as to why it was not PAID if they KNEW who the insurance carrier was. I was not given any type of answer. I was however advised that it was likely not paid because the insurance company had the WRONG ADDRESS. When in fact, Chase had the wrong address. Chase has the mailing and property address FOR THE PROPERTY THAT IT IS THE MORTGAGE HOLDER ON. Chase has XXXX XXXX XXXX XXXX, XXXX XXXX NEVADA XXXX. When in fact the property address is XXXX XXXX XXXX XXXX, XXXX, NV XXXX. How is this? I was then advised that this was likely " the address that was on the original loan documents. '' I advised that was incorrect. My prior mortgage holder had the correct address on file and the documents would never have recorded correctly to transfer ownership. I was then transferred at least 4 times wherein the representatives could not understand that Chase has the wrong address. I was asked to send in tax documentation to confirm the property address and the parcel ID #. I refused - it is not my problem. I have attached a PDF print out of the XXXX County Assessors office supporting my assertion that Chase has no idea what they are doing. 

This has got me believing that Chase likely does not have a correct or accurate copy of my loan documents. I mean, if they did, they would know the correct property address, right? 

Lastly, I continue to get calls in response to my prior CFPB complaint which seem to miss the point. My concern is not regarding the payment of my special district taxes - DESPITE THE FACT THAT IT NOT PART OF MY ORIGINAL LOAN AGREEMENT. My problem is that Chase is apparently unwilling to allow me to make a deposit into my escrow account ( WHICH IS VOLUNTARY AND MY MONEY TO BEGIN WITH ) and the reassess or re-evaluate my escrow account as to any " projected shortage '' that may occur over the next year ... so that once that is done, my monthly payment will not increase. Chase apparently does not care what is in my original loan documents, what would be a " Courtesy '' for its customers ( I have never asked for a courtesy revaluation of my escrow account with Chase and I believe that I am entitled to ask for that, in writing, in the event that I do not agree with the projection. ) This is not rocket science, but common courtesy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 RE : 15 US Code 1666b - Timing of payments- Legal Information. 

Dear Sir/Madam : I checked my personal credit report, which I acquired from my XXXX  on XX/XX/2022 and I noticed a late payment from your company on it. I request that you initiate an investigation into late payments pursuant 15 USC1666b -Timing of payments to determine if PROSPER MARKETPLACE was in compliance of this law when issuing this late payment on my report. Once your investigation is complete, and you find my allegation to be true, please remove the unauthorized late and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Product: Debt collection

On XX/XX/XXXX I received a notice that I owed XXXX XXXX, a debt collections agency, {$350.00} for a bill I never paid with XXXX XXXX. I received a phone from said collections agency call a few days later saying that it is a disconnection fee I never paid to XXXX. I don't recall getting such bill in 2018 because we never had cable from XXXX. This is the third time XXXX XXXX has sent my bill to a collections agency in the last two years. I have disputed the collections to XXXX  each of the other two times, but they keep billing me and sending it to collections.
Product: Debt collection

XXXX XXXX I NOTICED AN UNAUTHORIZED COLLECTION ADDED TO MY XXXX AND XXXX CREDIT REPORT I RECENTLY REACHED OUT TO THE CREDIT BUREAU ABOUT INACCURATE REPORTING. 


AMSHER COLLECTION SERVICES DATE OPEN XX/XX/year> AMOUNT {$270.00}
Product: Credit reporting or other personal consumer reports

I did not authorize ANY CHARGES to the XXXX XXXX account in question. This is purely fraud and theft by XXXX XXXX XXXX XXXX XXXX. EXPERION AND XXXX DELETE IT FROM MY CREDIT REPORT! In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC ******* U.S.C **** section 602 A. States I have the right to privacy.15 U.S.C XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 ***********. ( a ) ( XXXX ) XXXXection States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX XXXX ************* ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. I have also attempted to contact XXXX XXXX XXXX XXXX XXXX several times to request written proof of this authorization, but they have failed to comply with this request.