23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

My issue is with Chrysler Capital. I leased a XXXX XXXX, and recently bought it out of the lease for {$23000.00}. Of that amount, {$1500.00} was sales tax. 
When I received the bill of sale and title, I took it to our county title office to have it put in my name. I was told at the office that they had not received my sales tax, and that I could not own the vehicle until it was paid. I called Chrysler Capital for advice on how to proceed. I spent over an hour on the phone that day trying to be directed to a person in the title department. Once you no longer have an account with them, it 's nearly impossible to get through their automated process, as your SSN is no longer recognized. 
When I got someone on the phone, she checked in to everything and assured me that the sales tax would be coming back to me. I was very clear that I needed it to come to me, a check in my name. She said yes - 7-10 days and I would have a check in my hands. She told me that I could wait for it, or pay the Sales tax again to have the vehicle put into my name that day. I decided to pay it. 
Two weeks later, I have no check. I have now spent the better part of 2 hours trying to reach someone at Chrysler Capital. The first woman in the title department looked into it, and then told me that there was no check coming to me. We were then conveniently disconnected when I questioned it. She never called me back. I called back three more times, after going through the automated process each time, I was hung up on again three times. I have a complaint in to my dealer. Please help me resolve this issue and get my missing sales tax. I would love to hear a copy of my phone calls that are 'monitored and recorded ' each time, as they will confirm my side of the story.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

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

XX/XX/XXXX, Equifax allowed a previously deleted account to appear on my credit report and I was denied a home loan of {$270000.00}. 
This has happened several times after completing the dispute process as a victim of XXXX XXXX. The same has occurred with Experian. Once deleted, both agencies continue to allow these creditors access to my credit report and require me again to disclose information about my XXXX XXXX  status. This has been very traumatic. My credit report and credit score have been unfairly reported and my ability to access loans has been severely compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax poorly performed its duties in seuring my personal and financial information. 

They were recently hacked ( XXXX XXXX, XXXX ), and have confirmed that I have been a victim of the hack ( as of XXXX/XXXX/XXXX ). The company demonstrated gross negligence in this matter by : 1 ) Waiting over a month to alert the public ( me ) of this breach and security risk.
2 ) failing to secure data in a manner accordance with the laws and standards ( PCI and PII compliance was not met ) 3 ) Acting insufficiently in the aftermath ( Filed a press conference as opposed to contacting me directly, having a weak PIN solution for credit freezes ) Due to this breach, from this point forward I need to be vigilant over my credit report as now anyone can have access to all of my personal data. This will require at a minimum, a premium monitoring solution. It 's entirely reasonable to assume that I will also need to deal with a compromised identity in the future, which will take hours of personal time and effort to mitigate, and can potentially range into the hundreds of thousands of dollars in damages.
Product: Mortgage

Issue : PHH Mortgage is delinquent in paying out my property taxes for the second time in XXXX. 

On XX/XX/2021 I was notified by a neighbor that " I '' had paid her property taxes which were due for everyone on XX/XX/2021. I checked online at cXXXX and did see that my taxes had NOT been paid. 

Online at the dashboard for PHH Mortgage, it shows my escrow money disbursed. ( In an amount that does not match what was due ) Same day, XX/XX/XXXX, I contacted PHH customer service and got to an escalation manager. Basically now my neighbor can not pay her taxes because PHH has done so in error and mine are delinquent yet again.

I last spoke to the escalation manager when the matter was already 23 days old. He said that they were still working with their 3rd party XXXX XXXX to get the issue resolved. Since that discussion, now they call me, let it ring 1/2 time and hang up. This morning, I called Manager myself only to get a message his voice mailbox was full. 

**My new refi mortgage was handed over to PHH by XXXX XXXX beginning of XXXX  for servicing. Taxes were due then on XX/XX/XXXX. They were more than 4 months delinquent before they were finally paid. I absolutely do not understand why XXXX XXXX continues to hand over mortgages to this servicer, PHH Mortgage. Their business processes are not solid and issues are not resolved in any kind of reasonable time frame. Customer service is professional and then hides instead of reporting a lack of progress. 

I am most concerned that this company continues to be given business by a government entity and secondly to get my ridiculous issue resolved. 

Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

I need verification of all accounts disputed. I have sent letters from original creditors to remove such information but you continued to verify this information that is inconsistent and inaccurate compare to other reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts have been disputed on these dates for these reasons : XXXX, XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

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, credit repair services, or other personal consumer reports

National Credit Adjust is reporting inaccurate information to my credit report. 
-PAST DUE AMOUNT : This section is incomplete across all credit reports, delete immediately -LAST REPORTED DATE : This section is incorrect across all credit reports, delete immediately -DATE LAST ACTIVE : Is incorrect on all three credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint regarding fraudulent items on my credit report. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I believe that the fraudulent items on my credit report are the result of identity theft, and I am deeply concerned about the potential impact on my financial well-being. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that these fraudulent items are removed from my credit report and that my credit score is restored to its previous level. I need the following items removed from my Credit FIle : 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 Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the process of trying to get a loan and I am getting denied. My account with federal student loans is showing I have missed over 120 days of payments from the months of XXXX. At the time I had so much going on and did not pay close attention that even though I was a recent graduate that I had loans to repay. 


I am asking that you guys see that Ive always been in deferment. I am not finically stable to start paying right now. These loans have been so long ago and Im asking for forgiveness to remove some of these charges on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of an erroneous account reported by XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) on my credit report. Despite my repeated attempts to resolve this matter, XXXX has provided a response indicating that they have no involvement with the account in question, which was allegedly placed by XXXX XXXX XXXX. 

The details are as follows : Creditor : Orchard Place Apartments/WinnResidential Debt Collection Agency : Fair Collections XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : [ XXXX ] Date of Dispute : [ XX/XX/year> ] In my complaint to the Consumer Financial Protection Bureau XXXX CFPB XXXX, I highlighted that XXXX unlawfully obtained and utilized my personal and non-public information without permissible purpose or my explicit consent. Additionally, XXXX has failed to provide a debt validation letter and has continued to report negative information to Equifax and XXXX. 

FCOs response to the CFPB stated : " The account was placed with our office by creditor XXXX XXXX XXXX. Creditor retains ownership of the account. Our office denies the alleged violations set forth in the consumers complaint. Our office will not call the consumer or write the consumer. '' Given that XXXX asserts they have nothing to do with the account, their continued reporting of this erroneous account on my credit report is unjustified and in violation of the Fair Credit Reporting Act ( FCRA ). This erroneous information has caused significant harm to my credit score, resulting in financial losses exceeding {$10000.00} due to retraction of credit by creditors and repeated denials of credit opportunities.
Product: Credit reporting or other personal consumer reports

I noticed several errors related to late payments on my credit report, which dont align with my usual payment habits. Please make the necessary corrections and update my account. Thanks!
Product: Debt collection

Hello, I have a Midland collection account on my XXXX report from an alleged XXXX  XXXX card account that is over XXXX years old. I actually have XXXX accounts with XXXX  XXXX right now not only is this account in accurate. It doesnt even make sense because why would one give me XXXX accounts if I had XXXX recently that was in collections. Ive asked for validation of this debt and was just given a few statements when I asked for their right to collect on the debt, including a full unredacted copy of their purchase agreement or assignment agreement and they did not provide it. 

This inaccurate account is hurting my credit unjustifiably and the collection company should be held liable for it. It should at the lease be removed because its over the statue of limitations and the dates are incorrect because I didnt have it XXXX  XXXX account that was opened in 2018. I had XXXX open way before that, but it was included in a bankruptcy.
Product: Credit reporting or other personal consumer reports

The Credit bureaus stated my account was properly investigation but how is that possible if the account doesn't belong to me, the balance, status of account, and date last reported is not accurate. This ground for removal they also violated my rights under 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: Debt collection

This account was paid to the original debtor. Apparently this company purchased the debt and continues to try to collect on it. We have disputed through all three credit agencies and now the company refuses to remove the dispute comments. This was handled by our attorney and was dismissed by the judge. Please see court case information below. The company could not provided validation of the debt in court and it was agreed to be dismissed. 
XXXX - LVNV FUNDING LLC V XXXX XXXX ( E-CASE ) XXXX/XXXX/2013 Dismissed by Parties PLAINTIFF 'S ATTY FILES DISMISSAL WITHOUT PREJUDICE AT PLAINTIFF 'S COSTS. CASE DISMISSED -- -COURT DATE CANCELLED. /NB Filed By : XXXX XXXX XXXX XXXX Behalf Of : LVNV FUNDING LLC
Product: Bank account or service

BANK O F AMERICA,   XXXX     2016, I ha d my wallet stolen in  XXXX   XXXX  NJ. Police report was filed and all institutions were notified and cards cancelled. On  XXXX / XXXX /   16 and   XXXX / XXXX /   16 th ere were  two fra udulent transactions in my Bank  of America  account. Each time {$1800.00} was withdrawn from my savings account from  2 different locations. I have never withdrawn any money from this account nor have I ever banked at either the   XXXX  or  XXXX  branch locations. I filed another Police report and notified Bank  of America. I have addressed the situation numerous times at my lo cal   XXXX    branch and  on the phone with  Bank of America . In  XXXX , my local branc h manager, admitted that the charges were fraudulent and added ba ck {$1800.00} to my account and stated he had to wait to add back the additional {$1800.00}. In  XXXX ,  Bank of America n otified me that the case was closed and they removed the {$1800.00} credit leaving me with a - {$3600.00} deficit. I have tried numerous times to get answers and have only been told the case is closed.  Bank of America  never contacted me and they never looked at the police report that was filed. I am happy to provide more information such as accounts, names, and police reports.
Product: Debt collection

I started getting his phone calls a few times a week saying that I owe about {$1500.00} due to back debt with a company called XXXX. I explained to the caller that I have no recollection of this debt. I asked every time he called for him to give me any proof of paperwork on this debt. Nothing was given. 
I asked for the email address and mailing address and was not given anything. When I try to call back the number that called me it's a fast busy. 
I've never received about XXXX phone calls from this person and they progressively get more threatening and rougher. I have engaged with an attorney and I gave the caller attorneys information multiple times and every time I do that, he laughs and hangs up on me.
Product: Student loan

I was told it would be good to consolidate all my loans. I asked for reasons why I would not.I had about XXXX different student gov. loans ( mine ) and XXXX Parent plus loan ( for Daughter ) They explained but left out the part about the Parent plus loan ( which was XXXX of about XXXX loans that I had been paying XXXX dollars a month on ) screwing me out of an income driven plan for ALL of the loans. They sent me a letter and told me I had 10 business days from the date of the letter to change which loans to go into consolidation. I got it on the XXXX business night. I called immediately seeing the horrible number I can not pay on the XXXX day. She said, and there is record of it, that she told the consolidation team to take the XXXX parent plus loan out. It did not happen. I get the notice by email that I will pay XXXX every month until I die. I am XXXX yrs old. 
Congratulations! You just screwed yourself. I called and they said they could bring it down to {$440.00}. That is 25 % of what I BRING HOME. I can not eat if I pay their new payment. I would like my payment to go back to the {$40.00} it was at. And the XXXX dollars the single Parent plus loan was at. OR since it has been consolidated, be realistic and make me pay {$200.00} a month. They mislead me, I asked and asked for a reason I should not do this consolidation and had they told me this was the outcome, at anytime, I would NEVER have consolidated EVER. It was never spelled out like I could understand.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX As a victim of identity theft in the past, I am particularly concerned about inaccuracies in my credit report. I can confirm that the name " XXXX XXXX XXXX '' and the addresses listed above are not associated with me. My correct name is XXXX XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX, XXXX, GA XXXX. 

I am requesting that Experian investigate these inaccuracies and remove the incorrect name and addresses from my credit report promptly. This incorrect information not only compromises the accuracy of my credit report but also has the potential to impact my financial standing. 

Enclosed with this letter are copies of documents to verify my identity and current address, including a government-issued ID and a recent utility bill. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that my credit report is accurate and up-to-date. I kindly request that you take immediate action to rectify these errors. 

Please provide me with written confirmation once the incorrect information has been removed from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of government-issued ID Copy of recent utility bill
Product: Credit card or prepaid card

XX/XX/XXXX - Applied and approved for a targeted bonus offer of XXXX MR points after spending $ XXXX in 3   months. 

XX/XX/XXXX - Statement reflects XXXX MR Points credited to account after spending over $ XXXX in charges. 

XX/XX/XXXX - American Express announces 30 % Transfer bonus with XXXX XXXX with MR Points XX/XX/XXXX - Attempt to transfer XXXX MR Points to XXXX XXXX with promotion for XXXX total via online. The transfer was unsuccessful - I called, and AMEX could not process transfer because MR account was flagged for abuse and needed to legitimize purchases XX/XX/XXXX - Transferred XXXX points from another credit card company to complete transaction and book flight. The trip will be taken XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX - I called to receive a status on investigation and open an inquiry. " Investigation still pending no update but would receive a call in 5-7 business days with more information '' XX/XX/XXXX - Received a call from AMEX. They were unable to provide any ETA on completion of the investigation but could take 6-8 weeks or a " promotional period of 1 year. '' XX/XX/XXXX - Called again investigation is handled by corporate and not MR team. No resolution date was given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing for months now, i have been getting nothing back from the bureaus. i will attach documents showing my letters being sent out.
Product: Credit card

I got the credit card in XX/XX/year> with a {$900.00} credit limit. I used {$870.00} for my dogs vet visit. From XX/XX/year> to now I have paid almost {$500.00} and my balance is some how {$830.00}. I havent used the card since we used it for the dogs XXXX  visit in XXXX. They are charging me random security fees and interest charges that are equal to or more than the monthly amount due. This company is extremely shady and predatory