23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Prior to having to vacate my home due to safety and medical issues I asked the bank to do a forbearance as I needed to move for my health XXXX veteran XXXX XXXX XXXX XXXX XXXX as of XX/XX/XXXX. Was able to work in my career field XXXX XXXX XXXX for almost XXXX years and it is still a career I am unable to work in. 

No longer employed terminated while on XXXX 

My health is not good and I can not afford the home. A friend tried to sell the house. 

Denied social security and unemployment. It is unclear how I supposed to pay. 

My credit is poor as my income dramatically has reduced as I made over XXXX figures for over XXXX years. 

I am no longer able to be a landlord I have had success in selling my properties i can barely afford day to day. 

I have submitted multiple requests for assistance and to do date nothing. 

Unable to get money to go to school to get a new career that my XXXX will allow me to do. 

Give a home equity loan allowing me funds to repair my credit and to go to school to obtain skills to get a career that I can do with my XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) program began XX/XX/XXXX, servicers has until XX/XX/XXXX to fully implement the program. The XXXX will have a fixed XXXX  % interest rate, the program is offered Assist in fixing my credit and allow me to focus on my health and go to school.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX,2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Product: Debt collection

My PARENTS were contacted by Transworld systems. The company did not say what they were calling about or that they were a debt collection agency. After researching the phone number, I found that they are a collection agency. I searched my credit report and see that XXXX submitted me to collections in late XXXX for over {$1800.00}. I do not have XXXX service or equipment. I tried them for a short time last summer, but returned the phone within a matter of days and the internet equipment, after realizing that I could not afford their service or the phone. XXXX, in my opinion used predatory practices in signing my up for their service and credit card, and had they done their due dilligence, would have found I am unemployed and unable to afford their service. After cancelling the service and returning the phone, I never heard another word from XXXX, other that the XXXX credit card- which I am making on-time monthly payments on. Now on top of the credit card debt, the collection agency says I owe another XXXX to XXXX? For WHAT? Have they been continuing to bill me for the monthly phone plan? The internet service? The equipment? I have none of it, nor have I ever even received a bill from them, as the service was cancelled before a bill would have even generated.
Product: Debt collection

I have a {$3000.00} bill from a early move out, 10 years ago, XXXX from collections west has harassed me, my family, all of my employers even threaten to jail my old boss just two weeks ago, they threaten your family members, they run your credit as if you are applying for credit with them to mess up your credit. he told me I'm lying about my XXXX XXXX XXXX son being killed kus he served him back in 2016 when he was just XXXX smh. I told him he cant serve a minor. I have filed bankruptcy due to his harassing calls an threating to come to my house, even when I'm not home. like I got XXXX daughters an after laying my son to rest my nerves are shot. this man stalks me like a XXXX ex. 

MY MOTHER HAS ASKED HIM OVER 20 TIMES IN THE LAST 2 YEARS TO STOP CALLING HER IM XXXX I DONT LIVE AT HOME WITH MY PARENTS. THIS MAN IS OUT OF CONTROL ... ... TO THE POINT I FEEL LIKE I SHOULD GET A RESTRAINNING ORDER ON HIM.
Product: Vehicle loan or lease

I have 2 paid off cars with thr state employees credit union and they are holding both titles for collateral even though that wasn't agreed upon. They also sued me for the same matter
Product: Credit card

I am writing to express my dissatisfaction with the response received from Chrysler Capital regarding my credit application submitted through XXXX XXXX XXXX XXXX XXXX, with reference number [ Ref # XXXX ]. 

As detailed in my complaint submitted to the Consumer Financial Protection Bureau on XX/XX/2023, and as acknowledged by your response on XX/XX/2023, you have identified my case as a potential victim of fraud. I appreciate your attention to this matter ; however, I find it necessary to formally address the default and provide an opportunity for cure as outlined below : XXXX. **Adverse Action Violation : ** The denial of my credit application appears to be a violation of the Equal Credit Opportunity Act ( 15 USC 1691c ), and I maintain my rights under this legislation. 

2. **Fraudulent Activity Allegations : ** The allegation of fraudulent activity, including the unauthorized use of my credit card, is a serious matter that requires immediate attention and resolution. 

3. **Request for Removal of Inquiry : ** I demand the prompt removal of any inquiry placed by Chrysler Capital with the Credit Reporting Agency ( CRA ) in connection with my credit application. 

4. **Compensation for Violations : ** I seek compensation in the amount of [ {$1000.00} ] for each violation of the aforementioned laws, as outlined in my initial complaint. 

I am providing Chrysler Capital with 21 days from the date of this notice to cure these defaults and address the issues raised. Failure to do so may result in further legal action to enforce my rights under federal law. 

I expect your prompt attention to this matter and a written response outlining the steps taken to remedy the defaults identified herein.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate deletion of the derogatory item associated with my account, referenced above. The reported details are as follows : XXXX Reported Balance : {$2900.00} Last Reported : XX/XX/XXXX Account Opened : XX/XX/XXXX Account Closed : XXXX XXXX, XXXX XXXX XXXX XXXX Account Dispute Status : Resolved ; consumer disagrees, account closed by consumer I am deeply concerned about the accuracy and legality of the reporting of this account, specifically : Furnishing of Personal Information : I maintain that my personal information has been reported without my explicit written permission or instructions. I have not provided consent for the disclosure of this information and demand immediate deletion of this PRIVATE PERSONAL information Account Validity : I dispute the validity of the reported account as a collection account. The remarks indicate that the dispute has been resolved, but I disagree with the reported information. I request an immediate and thorough review of the account 's history and supporting documentation to verify its accuracy. 

Cease and Desist Reporting : Given the disputed nature of this account and the concerns raised about the furnishing of my personal information, I demand the immediate cessation of reporting this item to all credit reporting agencies. I expect that the derogatory item is removed from my credit report promptly.

In accordance with consumer protection laws, I assert my right to accurate and verifiable information on my credit report. I kindly demand that you take the following actions : Delete the derogatory item associated with this account from my credit report immediately.

Confirm in writing that the reporting to all credit reporting agencies has ceased.

Provide a detailed response outlining the steps taken to remedy this situation and prevent further unauthorized disclosures.

I request a written response within 30 days of receiving this letter, confirming the actions taken to address my demands. Failure to comply with this request will prompt further action, including filing complaints with regulatory authorities and seeking {$1000.00} per violation.

Thank you for your immediate attention to this matter. I anticipate a swift resolution.
Product: Debt collection

General Motors is reporting a debt that is more than 7 years old. The debt was incurred in XXXX 2009 and is more than 7 years old and should be deleted from the credit reporting agencies. 

Under the FCRA 15 U.S.C. 1681c, an account in collection can appear on a consumer 's credit report for 7 and a half years from the date of first delinquency on the account. Subsequent activity is irrelevant to the seven-year period.
Product: Debt collection

Continue to receive calls for debt that is not mine. Similar name but a different person not me.
Product: Student loan

Previously submitted a claim XXXX, but it was closed by cfpb without my knowledge or acceptance of the response from Navient. 

On XXXX XXXX, Navient contacted me XXXX times, due to payment was due on Student Loan. On the evening of the XXXX, finally got a call from a live person and was able to discuss the loan. I asked a question about getting a quarterly statement of some type of statement from Navient, for which I had received nothing from anyone until it was time to pay back the loan and my son was not enrolled in school any more. If I had received something, I would have been able to make a decision to start paying down the $ XXXX loan, which has now has almost XXXX. I was told by the representative that I should have called them as I know I had an obligation. My question to you is, does n't the financial institution have an obligation to send me a statement, quarterly, semi annually, or something. In the pdf response to be initial claim, the document tells me that I should have received annual statements, which I did not ever receive. And, from Navient representative she confirmed that between XX/XX/XXXX and XX/XX/XXXX, there was no correspondence. 
On XXXX XXXX, I requested a paper Pay-Off letter from Navient and have never received anything from them.
Product: Mortgage

Got divorced XXXX of XXXX, first payment fell behind in XXXX XXXX. I am trying to sell home and have been requesting assistance since XXXX XXXX to obtain Short Sale status on the property. I have spoken to numerous representatives and been given different answers each time. I was told in XXXX XXXX that I was able to list the property as Short Sale-then XXXX XXXX found out that still has n't happened and was served with foreclosure paperwork. I gave all my info on the phone to the rep XXXX in XXXX and was told I did n't have to do anything else -- now I have been told I have to submit all this paperwork for assistance ( that has been sent as of today ) and now I have been given summons for foreclosure and still ca n't list home as a short sale. I am trying to do right and sell the property so I can move on with my life and I am not being helped! I feel like I have been misled and given false information for months, resulting in devastating deficits to my credit report and now facing a lawsuit. Also, per the foreclosure summons, a notice was sent to my ex-wife regarding this matter, and she is not on the lien or mortgage, and I believe Chase has violated the Fair Debt Collections Practices Act by disclosing my information to an unauthorized third party. Our marriage was dissolved in the courts in XXXX XXXX and her name is not on anything related to this property.
Product: Credit card

Victoria Secret / Comenity Bank is reporting twice on my merged infile credit report! 
I am trying to buy a house and this account is showing up twice. Victoria 's Secret sent me a new card and told me to destroy the old card because they went from a XXXX digit credit card number to a XXXX digit credit card number. It should only be reported ONCE NOT TWICE!!!! IT IS THE SAME ACCOUNT! PLEASE FIX IMMEDIATELY IT IS AFFECTING MY CREDIT NEGATIVELY! IT IS SHOWING XXXX BALANCES THE SAME AND XXXX CREDIT LIMITS THE SAME. IT IS ONLY XXXX CREDIT CARD NOT XXXX!!! I called and talked to Victoria 's Secret customer service and she said I had to take it up with the credit reporting agencies and that they could not help me. She said this has happened to other credit card holders too. This is unacceptable and is affecting my credit!!!! because they changed to a longer digit credit card number for all Victoria 's Secret credit card holders.
Product: Checking or savings account

I filed a dispute claim to get the remaining balance of my down payment back For a car. Capital one denied the claim because the merchant stated i owed them money but the merchant processed a partial refund. When they noticed the partial refund capital one filed a rebuttal. The rebuttal was denied because now the merchant has switched they story to now they couldnt get financing for me. They have looked past all my documentation and sided with the merchant who has switched stories multiple times. This has been going on since XXXX. This has put me in a financial crisis. When i request documentation that was used to make a decision on the claim they send me a copy of my transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts # XXXX ( XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX. 
Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX. 
Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX 
Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX has violated my rights. 

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: Credit card or prepaid card

I 've recently opened up a credit card wit h Costco aka citi bank  once receiving my card I once they spelled my name wrong as  XXXX   XXXX  instead of  XXXX   XXXX   XXXX  I got my first statement I Immediately paid the amount off in full I called today to get a paid in full  letter & close out my account this company then started to give me a hard time saying that they could n't verify my phone number the same number that I opened up my account with all I was trying to do is close out my out it was so easy opening up my account but so very difficult trying to close out my account they have ca lled my mortgage company & my other creditors & still refused to close my account I 'm   XXXX   XXXX   XXXX   & this was a bad situation for me my member number is  XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent company letter requesting certain certified documents related to alleged account to be mailed and this information was requested in good faith pursuant rule 1002 and it was never provided. I also called regarding alleged account to be investigated while speaking with supervisor XXXX XXXX express my rights to opt out of all authorizations per the fair reporting credit act as a federal protected consumer which i am and that I may have given to you in writing, unwritten, verbal or non-verbal for sharing my nonpublic information to third parties to opt out. Sec. 15 U.S.C 6802 - Obligations with respect to disclosures of non-personal information. It is ILLEGAL for creditors to report late payments 15 U.S CODE 1681. HCA never sent certified documents along with the disclosures from section 1637 ( b ). This is unfair, illegal, fraudulent, and not equitable to me as a consumer! I received call from XXXX with the executive office at Hyundai to reach out directly XXXX. I attached consumer report from FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax on XX/XX/XXXX requesting deletion of a closed account on my credit file. This was an account that was open and never used. Having never been used, it only ever reported with positive payment history until it was eventually closed by the issuer for inactivity. Again, the account was never in any negative or delinquent status. The only reason I requested this account be removed was simply because it had been closed for 7 years. On XXXX, I received the dispute result from Equifax. Not only did they not delete the account per my request, they updated the payment history on the account showing multiple 30, 60, 90,120, and 150 day late payments in the year XXXX and as recently as last month. Since this account was closed in XXXX and never had a balance, it would be impossible to have late payments recorded of any kind in XXXX and XXXX. When I called the original creditor ( XXXX XXXX  ), they informed me they have no record of this account associated with my SSN at all and are therefore unable to issue any kind of correction. As a result of this error, my FICO score has dropped XXXX points. I have received notice of adverse action on two of my active credit card accounts indicating my credit limits have been reduced as a result of this. This is a serious error that has already yielded negative consequences for me and the only thing Equifax offered to do was to " Re-dispute '' it when I spoke with them on XXXX. In the meantime, my personal credit record is left to suffer while their computers process the dispute. This is a problem that clearly requires human intervention and review.
Product: Credit card or prepaid card

capital one ( 2 different accounts, numerous emails to them and nothing back ). 
cap 1 reporting different things to credit report, with an address thats not mine ( in disputes ). 

per credit reporrt -- pfl ( profit for loss ). never got any information from cap 1! 

need to see letter validation that they pfl on these accounts and need to see why they are reporting a XXXX XXXX XXXX i dont know what XXXX XXXX they were sending too i need written caludation from them advising me of account being closed & them writing off for business loss
Product: Vehicle loan or lease

For six months we have been trying to rebuild my credit and have filed dispute upon dispute regarding the reporting of one of our credit lenders, Credit Acceptance , Inc for a vehicle loan for a XXXX XXXX XXXX. Time and again Credit Acceptance has reported inaccurate information to the Credit Reporting Bureaus.  On XX/XX/XXXX we have paid the loan off, yet it is being told to us by the Bureaus that we still owe either {$2800.00} or up to {$8000.00} on the loan that is satisfied Each time that we file a dispute we are told to send in any documentation that we have showing that the information is inaccurate. Each time we have sent information to the credit bureaus and we have sent these disputes via certified mail and have proof of receipt. We have spent nearly {$150.00} over a six month period disputing these claims with no satisfaction.

! - the lender is reporting inaccurately 2 - the credit bureau is refusing to accept any requested documentation to overturn the lender inaccuracy 3 - the resulting issues are detrimental and damaging to my credit score and being reported inaccurately and falsely ADDITIONALLY, THE LOAN IS NOW SATISFIED AND IS PAID OFF, HOWEVER, YOUR COMPANY STILL CONTINUES TO REPORT INACCURACIES DETRIMENTAL TO MY CREDIT REPORT
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 & block any items that are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX  XXXX Balance : {$5800.00}
Product: Money transfer, virtual currency, or money service

1st paypal permanently put my account on limited and was not able to do transaction. Hence, currency conversion and fund transfer was block. My balance hold status was lifted but still on their control. It like they are doing this for their own interest. I have check a social media group and found out that there were several users facing the same problem. They been trying to solve the same issues just like what i did but paypal is not responding. They been holding my balance for almost a month now.
Product: Credit card or prepaid card

On XX/XX/2019 Chase sent me a letter that stated " We have decided to close you accounts '' it listed my savings and checking accounts ( " We have decided to close your accounts '' ) The letter also included a separate page that stated all my personal credit cards has been closed " because our affiliate is ending their banking relationship with you ''. 
I have tried to contact Chase repeatedly for explanation and reached the Chase Executive Office and all I got " we can not do anything '' and again, there was NO reason given. 
I have been with Chase for around 20 years, I paid my credit cards on time, I paid all annual fees and I strongly believe I do not deserve being thrown out. While I am completely at loss why Chase banking decided to close my savings and checking accounts I do not really care about checking and saving accounts, I do care about credit cards i had with Chase. One of my oldest cards is w/ Chase. 
Speaking of checking and saving accounts, there was absolutely NOTHING, NOTHING done by me to deserve them to be closed as well. 
When i tried to Contact individual departments responsible for Credit cards ( Chase Freedom, or Chase Sapphire Preferred or Chase Amazon CC ) nobody wanted to take a responsibility and accept the fact I did not do anything wrong and were just pointing fingers around ( we did this cause they did this.. )