23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I had a credit card with Chase called Chase freedom. It expired in XX/XX/XXXX. 
I was under the impression new cards were sent in mail as normally happens ( or has happened ) I remembered when I saw this old card that certain rewards ( which could be turned into cash must be available ) I called Chase and they said perhaps since the card was not used for 6 months they purged it. And the rewards have to used with 30 days they said they send a letter in mail. 
I may have got it and somehow fell through cracks. 
I understand they are free to purge my account but I feel that should mail the reward check automatically. XXXX if it was other way round they would have tagged interest and I would have paid to keep my credit score intact ) I feel since I did not close the account there should a recourse for it. They need to keep records for atleast 3 years. 
I am not expecting them to pay me interest just expecting my rewards which I have earned from XXXX till I used the card.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Consumer Loan

In XXXX XXXX, I opened a loan with another person through GM Financial. I was placed on the loan as co-borrower, however, never placed on the title of the vehicle, I was only placed on the loan documents. I am unsure why this occurred. When the primary person did not pay the loan, I paid the payments. I went to the DMV to attempt to take over the vehicle. By law in Ohio, if the other person does not sign for this, you can not be added to the title. The primary person obviously refused to sign the documentation. I have since taken this person to court to mitigate the situation. There are XXXX judgment liens, XXXX for the total amount of the contributory share, and a year later when the primary still refused to pay, the other to foreclose on thier home for the amount I sued for to pay off the loan. The primary person filed bankruptcy XX/XX/XXXX. 

I tried again to get GM Financial to give the vehicle to me via other means such as forcefully placing me on the title through the court. GM financial has refused repeatedly to help. In XXXX XXXX, GM Financial finally repossessed the truck, there was not a payment due on the vehicle until XXXX XXXX. 

I have tried to add the vehicle to my insurance, but was told it is illegal since the vehicle is not titled to me. It would be considered insurance fraud to which I could be tried and persecuted. 

I am held as a hostage, I continue to make these loan payments, I am unable to obtain ownership of the vehicle, as well as unable to insure it because I was never placed on the title or registration. 

GM Financial currently has possession of the truck and I continue to make payments on time monthly. They refuse to work with me or my lawyers. I have exhausted a great amount of resources attempting at a resolution to this matter. Attorney 's fees included. I am still in the same predicament. Only now, GM Financial has possession of the vehicle.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees, I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled within sufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a dispute with Transunion and XXXX regarding incorrect and inaccurate information on my back on XX/XX/2022. I have not yet heard back with the results or have I seen any of the requested changes to delete from my credit report. 

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

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I noticed discrepancies on my credit report concerning 15 USC 16c-2. The hard inquiries listed were not authorized by me and are lowering my credit score. Please remove them.
Product: Student loan

We submitted paperwork via XXXX to the XXXX program because I have been working in public service for over XXXX years. The employment verification was completed by the XXXX XXXX XXXX and was completed by the dept of ed on XX/XX/XXXX and the form for XXXX XXXX XXXXXXXX XXXX was completed on XX/XX/XXXX however we are now being told that we have to re-verify employment all over again even though has already been done several time by the State of Iowa and XXXX XXXX XXXXXXXX XXXX. I have resubmitted the forms via XXXX but my complaint is why do we have to do this again when the forms show they have been received by the Dept of Education and the forms show as being completed. However when I click on the application it shows it is missing employment verification for both XXXX. We have been dealing with this for over a year now and have paid XXXX to complete this for us. XXXX resent the application for XXXX XXXX XXXX on XX/XX/XXXX and the form was closed stating it was not filled out correctly. I believe I have enough credits for forgiveness but they don't seem to be processing our applications correctly. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/XXXX, a letter was sent to me by First Progress Card in efforts for me to sign. I didn't get the letter though so the company closed my account. They never sent me any letters certified to my address on file and they did not send me any emails to close my account they did this without my permission. Also there are 5 diff late payments that I never had on my account I was not late at all not one time. The dates that are XXXX XXXX my credit reports are XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX if my account was closed with no balance how can I still get charged a late payment. Also there are two more dates XX/XX/XXXX, XX/XX/XXXX. I was not late any of these days and was not given proper time to evaluate this discrepancy. They also did not send my {$200.00} deposit back either they kept that and told me I had to send a correspondence letter stating all of this. The dates that my account was opened was XXXX and the date closed was XXXX as per XXXX records
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 

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 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
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I had received a text message for this loan service I have not applied for. I got a verification message from this company and I have a picture of the message as well.
Product: Credit reporting or other personal consumer reports

I am writing to vigorously dispute the inaccurate reporting of a charge-off and subsequent issuance of a 1099-C ( Cancellation of Debt ) on my credit report. This reporting has caused significant financial harm and violates my consumer rights under the Fair Credit Reporting Act ( FCRA ).

The issuance of a 1099-C indicating a cancellation of debt totaling {$600.00} or more has resulted in the Internal Revenue Service ( IRS ) considering this amount taxable income.

Furthermore, the charge-off being reported as negative information on my credit report is inaccurate and misleading. According to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( c ), furnishers of information to credit reporting agencies ( CRAs ) have a legal obligation to report information that is 100 % accurate. Reporting this debt as a charge-off when it has been canceled is a clear violation of these provisions. 

XXXX XXXX and Santander Consumer USA, in concert with XXXX XXXX XXXX, are violating the FCRA.
Product: Debt collection

equifax, XXXX, XXXX  all three credit bereu show in my credit report bankrupcy i never request bankrupcy at all please i need this to be remove from my credit bereu thanks
Product: Vehicle loan or lease

XXXX XXXX / XXXX XXXX XXXX , TX XXXX claims that I still owe them {$2100.00} on a loan that has been closed and placed on my XXXX  Credit Report as a Collection-Charge Off. This information is not correct due to the following terms : 1. Had XXXX XXXX / XXXX XXXX in XXXX TX properly maintained the vehicle before selling it to me than this loan would not even have an amount. Had XXXX XXXX and XXXX XXXX provided me with Buyers Guide in which they didnt this would have been better understood. 

2. XXXX XXXX and XXXX XXXX XXXX TX failed to and refused to repair the car without me paying a high price. XXXX XXXX did not at time of purchase accurately disclose the mechanicial condition of the car that led to numerous mechancal failures, XXXX XXXX did not accurately disclose the prior history of the car. 


XXXX XXXX and XXXX XXXX sold me a defective and poor quality vehicle that had numerous mechanical failure issues. XXXX XXXX after receiving the car back the final time ever did the provide me with a solution just a debt that I feel is not valid.
Product: Money transfer, virtual currency, or money service

XXXX of XXXX  through XX/XX/year> is when I got scammed through Coinbase wallet. 

Coinbase was negligent in notifying or warning me of the scam. 

Was scammed for XXXX  XXXX. 

Tried to resolve with Coinbase but they dont want to take responsibility for there negligence. 

Our lives have been destroyed by there negligence. 

The scammers were able to attach to Coinbase wallet.
Product: Mortgage

wells fargo has been giving me a hard time and the run around about my mothers loan i inherited the property and wells fargo has made me successor of interest on the account. everytime i call prose i get a hard time I was told their was a open ligation on account. WELLS FARGO FILED THE FORECLOSURE CASE. I APPEARED IN COURT THEIR ATTORNEY TELLS ME TO TALK TO WELLS FARGO TO MANY GAMES. MY RIGHTS ARE BEING VIOLATED BY WELLS FARGO. I DONT HAVE A ATTORNEY IM THE SUCCESSOR OF INTEREST SEE ENCLOSED DOCUMENTS THEY ARE BEEN VERY BIAS I NEED A POINT OF CONTACT TO TALK AT WELLS FARGO UNTIL MY LOAN IS REINSTATED EVERYTIME I APPLY FOR A LOAN MODIFICATIONS I GET DENIED FOR DENIAL LETTER I COULDNT AFFORD SECOND TIME I CAN AFFORD THE MONTHLY PAYMENTS I WAS DENIED AGAIN. SEE ENCLOSED DOCUMENTS I WAS APPROVE FOR HARDEST HIT IF THE REINSTATEMENT AMOUNT WAS UNDER 35,000 WELLS FARGO PUT ON ILLINOIS HARDEST HIT PAPERWORK OVER 35,000 WHEN I WAS PROVIDED A PAYOFF AMOUNT OF XXXX THEY ARE NOT BEING FAIR AND IS VIOLATING MY RIGHTS EVERYTIME I APPLY FOR A PROGRAM THE FIX IT OR SAY IM NOT ELIGIBLE PAYOFF ENCLOSED AS OF YESTERDAY HOW DID IT JUMP FROM XXXX TO XXXX THAT TELL ME THAT THEY ARE OUT TO TAKE MY HOUSE I PROVIDED PROOF AND ANOTHER CONCERN I HAVE IS WHERE IS PROOF OF CLOSING CHECKS THAT PREVIOUS MORTGAGE WAS PAID OFF IT SHOULD BE A COPY OF CLOSING CHECKS OR WIRE TRANSER ON XX/XX/XXXX I NEVER RECEIVED ANYTHING SHOWING ME CHECKS WERE PAID XXXX XXXX XXXX IS CLOSED DOWN I STRONGLY WOULD APPRECIATE COPY OF CASHED CHECKS FROM THE REFINANCE AND CASH OUT IF XXXX XXXX RECEIVED A CHECK OR ANY BILLS WERE PAID IT SHOULD BE A COPY OF CHECKS THAT WERE PAID AND CASHED PLEASE STOP REFFERRING ME TO A TITLE COMPANY THAT IS NO LONGER IN BUSINESS I NEED PROOF OF PAYMENT ACTUAL CHECKS COPYS OF THEM BEING CASHEDYOU DIDNT THROW IT IN THE GARBAGE LOOK IN YOUR MICROFILMS I NEED HELP COMPANY IS NOT WORKING WITH ME THEY ARE TAKING ADVANTAGE OF ME. BASE ON CFPB RULE I CAN TAKE OVER THE MORTGAGE IM NOT GIVING THAT OPPORTUNITY IT IS A ASSUMBABLE MORTGAGE THIS COMPANY NEED TO BE MONITORED PLEASE READ MY ENCLOSED DOCUMENTS YOU WILL SEE THEY NEVER TRIED TO HELP ME EVEN WHEN I MAKE MORE MONEY IM STILLED DENIED EVEN WITH HARDEST HIT WELLS FARGO PUT THE REINSTATED AMOUNT MORE THAN WHAT I WAS GIVEN SO I WOULDNT QUALIFY AS OF YESTERDAY AND TODAY THE PROVIDED THEM WITH OVER 35,000 HOW IS THAT AS OF YESTERDAY XX/XX/XXXX IT WAS XXXX THIS COMPANY IS VERY CROOKED AND AGAIN UNFAIR. I NEVER BEEN GIVEN A CHANCE TO GET ON A REPAYMENT PLAN. IM VERY UNHAPPY AND PRAY FOR RELIEF I DONT DESERVE TO BE TREATED THIS WAY I CANT EVEN CALL ABOUT MY LOAN. LEGALLY OWN THE PROPERTY THEY CAN TALK TO ME THEIR LAWYERS TELL ME TO CALL THEM XXXX XXXX AND HER SUPPERVISOR NEVER CALLED ME OR WROTE ME I NEED HELP IM BEING DENIED THE RIGHT TO GET INFORMATION ON MY ACCOUNT AND IS BEING DENIED A PAYOFF QUOTE I ASKED FOR ONE TODAY I WAS TOLD I COULDNT GET ANYTHING ON MY LOAN SO WRONG. COMPANY HAS SHOWED ME THEY OUT TO MY HOUSE
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite XXXX notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within XXXX ( XXXX ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ).

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

Your agency is in violation!

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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Account : XXXX Account number : XXXX Alleged amount owed : {$190.00} I requested verification of the alleged debt. Specifically, I request the following items for verification : ( 1 ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( 2 ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( 3 ) evidence and itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. You are illegally attempting to collect the subject alleged debt because I do not owe that amount. I did not receive anything back from the above mentioned company. 

I have attached the letter that I sent. 

Please remove and block this account from my credit reports.
Product: Debt collection

XX/XX/XXXX account opened by TD BANK XXXX/TARGETCRED XX/XX/XXXX Reported as " on time '' XX/XX/XXXX Reported as " on time '' XX/XX/XXXX Reported as " on time '' XX/XX/XXXX Reported as " on time '' XX/XX/XXXX Reported as " data unavailable '' ( how is this possible? ) XX/XX/XXXX Reported as 30 days late XX/XX/XXXX Reported as 60 days late XX/XX/XXXXXXXX Reported as 90 days late XX/XX/XXXX Reported as 120 days late XX/XX/XXXX reported as 120 days late ( how is this possible? ) XX/XX/XXXX - Charge off ( account closed at credit grantors request ) Credit Limit - {$300.00} Balance on XXXX XXXX {$440.00} XXXX how is this possible? ) I've tried to get verification on this account from XXXX, the dispute came back as verified with updated addresses that I do not and have never lived at.
Product: Credit reporting

I sent Experian sworn statement of id theft for accounts on my report that is not mines. The accounts below are not mines. The XXXX account on my report that is mines XXXX ( XXXX ) is more than XXXX years old and the refuse to remove. All other reporting companies have removed it. 
Accounts below are all ID fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts. 
XXXX I also have have XXXX XXXX forms from XXXX but these accounts still show on report as Charge offs. They should have been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT XXXX account US DEPARTMENT OF ED has violated my rights under 15 USC 1681 section 602A & 604A section 2 15 USC 1666B View attachments below
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block THIS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the account which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$190.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Your credit reporting agency has been consistently providing inaccurate and incomplete account details to my credit file. I am deeply concerned about the presence of these inaccuracies within my credit profile. It appears that your reporting agency has not implemented effective procedures to ensure the highest level of accuracy in the credit information it reports. This lack of diligence may expose your agency to potential liability under 15 U.S.C. 1692g, specifically concerning the validation of debt. 
Additionally, referencing the legal precedent set in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), your reporting agency could be held accountable for engaging in false reporting. It is imperative to adhere to credit reporting laws, which mandate that bureaus only report credit information that is entirely accurate. 

1. 15 USC 1681B. Permissible purposes of consumer reports XXXX Account XXXX : XXXX This account is closed with a paid balance. This is falsely reporting. Please delete as i have taken steps to seek litigation. 
2. 1681n. Civil liability for willful noncompliance XXXX XXXX XXXX Account Number : XXXX This account is inaccurate, please delete or pay fine of {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

xperian, XXXX and XXXX has a collection and inquiries on my credit report that is not mine. 

XXXX XXXX collection is not mine. 

inquiries reporting that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have information on my credit score that I did not sign up for. There are inquiries for loans that I did not sign up for. I have all of the information I can send you pictures.