23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I have been in contact with Chrysler Capital on a recent truck lease that was just turned in and I was sent a bill in the mail stating I owed money for damages that I did get fixed. Here is the timeline of events : -Hail damage to the truck occurred in XXXX 2015-Claim with my insurance was filed for the damage before XX/XX/XXXX15-I called Chrysler Capital to set up the turn-in inspection and they said I needed to have the inspection done prior to getting the hail repairs completed. 
-Chrysler Capital person came to my house for inspection on XXXX/XXXX/15 and estimated damage of {$1500.00} needed to be fixed prior to turn-in of the lease. 
-Truck was then taken in to XXXX XXXX XXXX XXXX MN for repairs done on XXXX/XXXX/15 ( shop was recommended by the Chrysler dealership ). Actual cost of damage was {$3500.00}. 
-Repairs were completed and I paid my insurance claim deductible. 
-Truck was taken to XXXX XXXX MN Chrysler dealership on XXXX/XXXX/15 and turned-in. No damage was noted at turn-in and everything seemed to be OK. 
-A few weeks later a bill was sent to me from Chrysler Capital in the exact same amount of {$1500.00} that was originally estimated as the damage. 
-I called Chrysler Capital assuming this was just an error as the repairs were completed. They stated I needed to send proof of the repair for review. 
-Documented detailed proof of repair from XXXX was provided to Chrysler Capital for review and removal from final bill. 
-Chrysler Capital reviewed and is saying the damage was still present and the repair was " subpar '' at the time it was released to auction. 
-I requested what exactly was subpar and they could not tell me exact areas that were not fixed and say I still owe the money. They have not shown any documentation to me on what was supposedly wrong, yet they say I owe them the money. 

This is not true as I know the hail was fixed - repairs that were done were actually double of the original from the Chrysler inspector estimate. This is not fair that they are holding me liable for these charges since I did in fact get the damage fixed. I do not want this to hurt my credit, but I am not paying for something that was already fixed prior to returning the truck. 

Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I reviewed a copy of my credit report and the following company ran an unauthorized credit inquiry on me on my account. This is not a factual record In fact I spoke with the company and thry promised to remove this Inquire and not publish it as a soft hit either because I did not give permission nor did I consent of any kind I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact this company and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. I am requesting all the names you contacted to verify this was factual. You have 30 days to remove this from all there credit agencies and report it correctly. If not I shall seek an attorney to represent me in a Court of law. I will also send you a certified mail of this exact letter. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX has recently begun reporting an erroneous collection to the various reporting agencies on behalf of XXXX XXXX. I have never had an account with XXXX closed or left remaining with an open balance. I disputed the debt to XXXX XXXX, and XXXX replied that the information should be removed from my credit history, and it was. So, no issue there, except that they instructed XXXX and XXXX to continue reporting the identical account after instructing XXXX XXXX to remove it. I have attempted to dispute the collection and its reporting, but XXXX continues to verify to the credit reporting agencies that the debt as accurate. I can only assume they are n't bothering to check with XXXX, as I 'm positive even a cursory search will reveal the account is not mine. This brand new collection is causing a lot of damage to my credit just as I am attempting to buy a home, and I would like to avoid a lawsuit for this misplaced collection keeping me from that.
Product: Debt collection

On   XX/XX/XXXX   I went to a bank to apply for a credit card. I was denied based off multiple collections that I didnt know about. Upon calling them to ask what they were they told me they kept receiving return mail and gave me the address they had on file and told me I owed {$840.00}. i proceeded to tell them that the address they had was wrong, I told them I had no idea about them. They then told me the address they had was what was sent to them from their customer.   I feel I shouldnt be held responsible for the collection since they were at fault for the wrong address but they told me I am at fault whether I knew about the wrong address or not. I personaly and my families lawyer feels I should n't be held responsible for their mistake.   They wo n't give me anything in writing stating if I pay in full they will immediately take it off my credit report.
Product: Credit card

I have XXXX, sponsored by Bank of America. I use it to accumulate miles for the mileage plan. I pay twice a month, and I never carry any balance. I pay a $ XXXX yearly fee. I believe I am being harassed by Bank of America with frivolous card changes ( forcing me to update all my payment accounts ) and locks on my credit ( they claim suspicious use ) in order to make me close my account. Curious if others have had this problem.
Product: Money transfer, virtual currency, or money service

I tried to withdraw money from my robinhood account XXXX and it would not let me. I contacted robinhood and they had me try a wire transfer, XXXX, it failed. The next day my account was frozen and under review. That was XX/XX/XXXX. I provided everything they have asked for for this review. Bank statement, drivers license pictures of myself. I comply. They say everything is complete on my end, to stand by for an update. Every night at midnight the date my review will be finished changes. It has been weeks now and I have no access to the XXXX in my robinhood account. I can see the money is there. I can't withdraw or spend it.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
This is the item I demanding to be deleted immediately. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, My Credit report alert stated a XXXX  XXXX account was open in my behalf. I did not authorize this account. I only choose to do pre-approval, and it was not the card I wanted on pre-approval, so I did not accept the offer to continue. But a account was open on pre-approval, and I did not give permission to accept any offers from XXXX XXXX.
Product: Mortgage

I was under forbearance agreement due to XXXX and it was ended by the end of XXXX with Citizens One Home loan. I did pay XXXX, XXXX, XXXX, XXXX, XXXX and XXXX during XXXX and XXXX. 
Citizens One reported me as 90 days late and this reduce my credit score by 120 points.

I was in the processing of refinancing my home loan with XXXX XXXX XXXX. XXXX XXXX XXXX asked Citizens one for payoff balance for over 6 weeks and they couldn't got the payoff balance from Citizens which caused more delay. I spoke with Citizens many times that I am in the middle of refinancing my house, but the didn't give us the payoff balance till the beginning of XXXX. All this delay impact my credit score and XXXX XXXX can't refinance my loan because my credit score is very low. my credit score dropped from XXXX to XXXX. I filed a complain with Citizens One and they said it will take 3 weeks to make a decision which it could be not fixing this issue. 
My loan number is XXXX. 
Could you help me to adjust and fix my credit score to be able my home loan. 
my wife and I are essential workers in the medical filed.
Product: Credit reporting or other personal consumer reports

I am responding to your letter regarding an Home Depot Consumer Credit Card account ending in XXXX. I want to assert my rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other applicable consumer protection laws. 

First, your letter states that the account was placed with XXXX XXXX XXXX XXXXXXXX, for collection. However, XXXXXXXX XXXX XXXXXXXX has already sued me in XXXX XXXX XXXX and lost. As a result, any further attempts to collect this debt may be considered a violation of the FDCPA, including but not limited to harassment and misrepresentation of the legal status of the debt. Second, under the FCRA ( 15 U.S.C. 1681s-2 ), information reported to consumer reporting agencies must be accurate and complete. You claim to have verified the accuracy of the information, yet you also acknowledge repeated disputes. If you continue to report inaccurate or unverifiable information to the credit bureaus, this may constitute a willful violation of the FCRA, subjecting Citibank to liability for damages. I request that you conduct a reasonable reinvestigation of the information being reported, as required under 15 U.S.C. 1681i. IM REQUESTING THAT NO FALSE INACCURATE STATEMENTS TO BE PLACED ON MY CREDIT REPORT Additionally, under the Fair Credit Billing Act ( FCBA ), I have the right to request verification of charges and challenge any billing errors. I demand full validation of the alleged balance, including a breakdown of all charges, fees, interest, and payments applied to this account. 

Given that XXXXXXXX XXXX XXXXXXXX has already litigated this matter and failed to collect, I expect that Citibank will cease all further collection activities. If Citibank or any affiliated collection agency continues to pursue this debt in violation of consumer protection laws, I will not hesitate to take appropriate legal action, including filing complaints with the Federal Trade Commission ( FTC ), and my states Attorney Generals office. THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER
Product: Credit card

{$10000.00} was charged to my credit card. I did not make these charges. My credit card was cloned and the hacked went to Best Buy and made the purchases. 
On XX/XX/XXXX I discovered and reported these charges as fraud Then on XXXX I got a letter denying charges since I had the card in my possession. I disputed their decision but was denied again on XX/XX/XXXX. 
The credit card information was on my XXXX that was stolen/XXXX hacked I have a detective working on my case to get surveillance footage of the hacker but need this removed from my account and my credit report.
Product: Mortgage

I am writing to respond to M & Ts reply to my XX/XX/XXXX complaint # XXXX as well as to CORRECT my complaint. I did not correctly explain the situation in that complaint and I attest that the following is what I meant to express in my initial complaint : I just learned in XXXX, XXXX, that back in XXXX, XXXX, when I was XXXX years old, my parents had my signature forged onto a mortgage note so they could buy a home. 

I did not sign that note or any documents related to the purchase of the home. I was only XXXX and I was out of state at college at the time. I had no idea my parents were using my personal information and my income ( as an employee of their company ) to qualify for the mortgage. 

The loan information never appeared on my credit reports, nor was my name printed on any monthly mortgage statements. I only learned that my name was on the account when the account started reporting to the credit bureaus in XXXX, XXXX. As soon as I learned I could make a complaint to the CFPB for assistance I filed my complaint. I did not accurately describe the problem in my XX/XX/XXXX complaint. I also alleged predatory lending practices but I didnt mean that M & T had engaged in anything predatory ; I meant I felt something was wrong if parents can forge their teen-aged childs signature and buy a house. If there was any wrongdoing, it was likely on the part of my parents, their lawyers and their mortgage broker.
Product: Debt collection

Pursuant to 15 USC 1681b, my personal information can not be furnished without my authorization. Additionally, under 15 USC 1681c-2, any account resulting from identity theft should not be reported. Given that I am a victim of a data breach, I believe this account is fraudulent and should be immediately removed from my credit report. 
I have included supporting documentation from the creditor confirming my claim, along with evidence of the data breach. Reporting false information violates the Fair Credit Reporting Act ( FCRA ), and I trust that XXXX will address this matter with urgency.
Product: Student loan

Since XX/XX/XXXX I got a. {$3000.00} dollar loan from going to a business college I had been exepted but? I had no business being there because I was a dropout freshman from high school and had no idea what in the world I was doing at all? So, I dont know why for all these years I've had my income federal income taxes taken from and nobody knows nothing about the money??? The IRS says they dont know and the borrower says they dont know and on top of that I was making payments on the loan throughout the years and no sign of payments havve ever been shown to me??? Its been take, take, take and the interest obviously just keeps growing and always just owe more and more!!! XXXX XXXX XXXX
Product: Student loan

Signed as a co-signer for a student loan in 2002 with XXXX XXXX. And according to terms was supposed to be released after on time payments being made after 24 months. Been 20 years and still not released. Which is creating numerous issues with my credit report. And I am retired and on a fixed income. Currently this loan is now with Navient. And I contacted Navient numerous times to have myself removed and have not had a reply back. No help with customer service. I do not have any access or knowledge of these loans. I would like this resolved and removed as being a co-signer.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at Account name XXXX XXXX Account number XXXX Recent balance {$6100.00} as of XX/XX/XXXX Date opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Received in the mail Trial Modification Plan from Select Port Folio and the 1st payment is due XX/XX/XXXX. Also received a property foreclosure sale letter form Select Port Folio stating there is a property foreclosure sale set for XX/XX/XXXX for my home. 
I just received the modification papers and I'm concerned my house will be sold even though I've received the modification documents with a mortgage payment.
Product: Mortgage

I applied for home loan with AmeriSave Mortgage on XXXX of XXXX. 

Loan Application number is XXXX XXXX is demanding a non refundable loan processing fee of XXXX XXXX XXXX XXXX XXXX ] before they can process my application. They already have run and extracted my credit report which has hit my score. By demanding fee upront they are stopping an applicant from shopping for loans from other sources and this is illegal. 

See this judgement : https : XXXX
Product: Credit reporting or other personal consumer reports

Remove all inaccurate information and fraudulent accounts falsely deemed verified IMMEDIATELY! 

Violation of FCRA 611, Debt Collection Harassment, and Sharing of Information with XXXX XXXX XXXX XXXX to 15 U.S.C. Sections 1692d, 1692i, and 1692c Dear Transunion, I am writing to address a matter of significant concern regarding the accounts that I have reported as fraudulent to the Federal Trade Commission ( FTC ) and subsequently requested investigation under FCRA 611 ( 15 U.S.C. 1681I ). It has come to my attention that there are discrepancies in the handling of these accounts, which directly violate the rights guaranteed under this section of the Fair Credit Reporting Act.

Not only has there been a failure to comply with FCRA 611 in rectifying these accounts, but I have also noted the absence of any proof of verified accounts in the documentation provided. The utilization of the e-OSCAR system, without providing tangible evidence or verification of the reported accounts, raises further concerns regarding the legitimacy and accuracy of the reported information. 



Additionally, I am deeply troubled by the actions of debt collectors associated with XXXX XXXX XXXX XXXX, who have been incessantly contacting me using my current information, amounting to approximately 15 calls daily. This relentless and harassing behavior violates the protections afforded to consumers under 15 U.S.C. Sections 1692d, 1692i, and 1692c of the Fair Debt Collection Practices Act ( FDCPA ). 



Moreover, it has come to my attention that the information shared through credit bureaus like Transunion has potentially facilitated this harassment by providing my current contact details to debt collectors. Such sharing of inaccurate or unverified information with XXXX XXXX XXXX XXXX, leading to their persistent and unwarranted contacts, is in direct contradiction to the requirements outlined in 15 U.S.C. Section 1681, which mandates accurate reporting by credit bureaus to prevent the dissemination of misleading or false data to debt collectors.

As per FCRA guidelines and the FDCPA, I am formally requesting : Immediate rectification and removal of the reported fraudulent accounts.

Tangible proof or verification of these accounts within five ( 5 ) days of your receipt of this correspondence. 

Cease and desist of any sharing of inaccurate or unverified information with XXXX XXXX XXXX XXXX. 

Immediate cessation of harassing calls by their associated debt collectors in line with FDCPA provisions. 



Please be advised that persistent contacts from XXXX XXXX XXXX XXXX based on false or unverified information reported through XXXX XXXX result in a violation of FCRA codes, potentially leading to an immediate payout of up to {$1000.00} due to contacting me on accounts deemed fraudulent. 



I urgently request your prompt attention to these matters and expect a comprehensive and lawful resolution as per the guidelines outlined in the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, XXXX XXXX  # XXXX and XXXX XXXX  # XXXX, have 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: Vehicle loan or lease

Not struggling to pay loan, struggling with frauds at Wells Fargo. Illegal Vehicle Repossession. Discovered payments for {$24000.00} auto loan with Wells Fargo Dealer Services " a division of WELLS FARGO BANK , N.A . '' were not being applied. Received notice still owed a little over {$17000.00}. I contacted them and sent copies of all receipts to the address provided. 
XXXX XXXX XXXX XXXX, CO XXXX via USPS certified mail. Received a letter in response where they stated the account would be updated. The account was not ever updated. 
I was at XXXX XXXX gym on XX/XX/XXXX XXXX XXXXXXXX. Came outside and my white XXXX XXXX XXXX was gone. Thought stolen until someone in parking lot said a tow truck took it. Had to call around for a ride, that was extremely frustrating. I never received warning, was still waiting for update to the account. 
" XXXX XXXX : XXXX '' " Repossessed by Wells Fargo XXXX '' I remember using a different number to contact and send receipts : XXXX ( XXXX ) XXXX XXXX is to a company named XXXX XXXX, XXXX which does not have a registered agent and no address in Texas XXXX 
The XXXX XXXX, # XXXX = XXXX XXXX XXXX XXXX XXXX dba XXXX XXXX is a 3rd party, XXXX manager : " CEO '' XXXX XXXX XXXX was unreasonable. 
My debit card was left in vehicle, tools, other miscellaneous items I needed. Wasn't able to recover because the tow company requires a release form to be signed, contained words I wasn't familiar with. They would not allow me to check if all my property was inside first. Unwilling to sign and possibly " release '' from liability, counted as a loss. I was not able to get my son for his visit that month. Needed my car, was low on resources from replacing some items.
Product: Mortgage

XXXX   XXXX   (    XXXX   ID  XXXX  ), called me with detailed information he somehow got from a credit check I had done in early  XXXX . I have turned down several of his calls and when I asked if he was associated with my lenders, he declined to answer. When I asked if he was trying to sell me something, he declined to answer. He is using high pressure tactics meant to confused people into giving their information.