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

We had a total loss on our vehicle on XX/XX/XXXX. Our insurance company sent the pay off check on XX/XX/XXXX and it was signed for at Chrysler Capital XXXX XXXX XXXX XXXX, XXXX TX XXXX on XX/XX/XXXX @ XXXX XXXX. After numerous phone calls to Chrysler, we were told that the check can not be located and had to wait 30 days to see if they could find it. On XX/XX/XXXX we received a call from Chrysler that they can not locate the check and we needed to contact our insurance to stop payment and re-issue. That was done and the 2nd check was signed for on XX/XX/XXXX at XXXX XXXX. In the meantime, Chrysler located the first check, which had a stop payment on it, and applied it to our account. They realized their mistake and took it off of our account. Now they can not locate the 2nd pay off check. I have a difficult time, obtaining updates and explanations as to why this is happening. This is now going on 6 weeks and may have to wait another 30 days and repeat the same process. Our account is in the " Executive Office '' but is not assigned to anyone in particular. When we call, we get a new person and then told " We are very sorry but you will have to wait for us to investigate ''. This is not reflecting on our credit as late yet, but it is reflecting on our credit that we are carrying 2 large auto loans. This one and the replacement vehicle that we had to purchase. We can not get a straight answer as to why this is happening. What are the chances of 2 payoff checks getting misplaced that was signed for by 2 different people. We just feel like our hands are tied and can't do a thing about it. We will NEVER finance through Chrysler again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please cease and desist all inaccurate reported information on closed account with external  finance there are several payments that are reported as bring late with no provided proof of said late payments which are violations of fcra section 609 account had been paid in full and there were no Payments ever made late this violates 15 usc 1681c2
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted TransUnion by live chat after obtaining a copy of a consumer report they furnished without my written consent containing confidential information that they have shared with other persons. Pursuant to FCRA 15 USC 1681 ( b ) ( a ) ( 2 ) it is a federal violation for a consumer reporting agency to furnish a consumer report without written instructions of the consumer to whom it relates. I never gave TransUnion any written instructions to furnish a consumer report listing my confidential information. My rights have been infringed upon with unfair treatment as in accordance with 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ) these reportings impair my confidence as a consumer as banking systems are relying on fair and accurate credit reportings. I have not been able to obtain various forms of credit as a result of the lack and inaccurate reportings of my reputation, character, credit standing, credit capacity, and credit worthiness on behalf of TransUnion. TransUnion took no effort to remove all fraudulent information and improper use of my credit and confidential information is still evident through the consumer report they have with my information on it.
Product: Mortgage

I REFINACED MY MORTGAGE LOAN WITH XXXXXXXX XXXX XXXX YEARS AGO FOR {$310000.00} TO THIS DATE I HAVE MADE OVER 200 PAYMENTS OF MORE THAN {$250000.00} DOLLARS. TO THIS DATE MY BALANCE IS STILL {$320000.00} DOLLARS WITH XXXX FINANCE RATE ON ONLY HALF THE AMOUNT OF THE ORIGINAL REFINACED AMOUNT {$150000.00} FOR 40 YEARS. NO PRINCIPAL HAS BEEN REDUCED TOWARDS MY ORIGINAL LOAN AMOUNT. I AM VERY CONFUSED AS HOW IS IT POSSIBLE THAT MY BALANCE HASN'T BEING REDUCED. I CONTACTED THE LOAN SERVICER RUSHMORE LOAN MANAGEMENT SERVICES & THEY HAVEN'T REPLIED TO MY REQUEST, THEY ONLY SENT ME A PAYMENT BRAKEDOWN HISTORY. I DO BELIEVE THAT THEY ARE COMMITING MORTGAGE FRAUD.IT DOESN'T MAKE SENSE TO ME THAT MY NUMBERS ARE STILL HIGHER THAN THE ORIGINAL AMOUNT.
Product: Credit reporting or other personal consumer reports

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I live in California with the Equifax breach we are having to freeze our credit accounts with all 3 bureaus to help stave off the potential negative impacts of the data loss.
However, we are being asked to " pay '' a fee from the other two bureaus to freeze the accounts.
So basically, because one of the 3 main credit bureaus failed to protect our information and put us at risk, forcing us to freeze our accounts then the other two bureaus are profiting handsomely! 

We requested that Equifax reimburse us for expenses we incur with the other bureaus everytime we have to lock / unlock our credit accounts. 

They refused. 

We believe you should issue guidance that either the bureaus offer this service for free forever or compel Equifax to reimburse all of the people they put at risk. 

To expect the public to bear this burden is unfair and inappropriate. 

Please protect our interests ASAP
Product: Credit card

A credit card charge was made for my card on XX/XX/year> for {$510.00} from XXXX XXXX and was labeled " XXXX XXXX XXXX XXXX ''. A second charge was attempted to be made on the card for {$410.00} the same day but I reported this as fraud when I was notified. The transaction for {$510.00} was not flagged and still went through despite this. I froze my accounts on XX/XX/year> when the transaction occurred and ordered a new credit card that day. TD Bank , N.A . did not reach out and did not mention the {$510.00} transaction and whether or not it may be fraudulent even though I reported fraud on the card and froze the account. I then went and filed a claim with TD Bank , N.A . to settle this and clear my account for the fraudulent activity. TD Bank , N.A . dismissed the initial claim as the records show that it was my card that was used. They did nothing else to try and resolve this dispute or hlep my situation and did not bother calling or reaching out. I then went and filed a second claim with TD Bank , N.A . to determine why this was not resolved and why I have not been notified of what to do. I have also filed a claim with XXXX XXXX, credit bureaus, a police report and the federal trade commission. The information i have received from TD Bank , N.A . and XXXX XXXX has determined that it was international credit card fraud and consisted of a fake phone number, fake name and fake e-mail which were used to wire monies overseas to the XXXX. TD Bank , N.A . has done nothing to resolve this case and has given me the run around despite the severity of this being international wire fraud. I will provide specific details of the above referenced information upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U>S Code 1681 c-2 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 a alleged identify theft, not later than 4 business days after the date receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identify theft! Please deleted this item IMMEDIATLY!
Product: Credit card

On XX/XX/XXXX I was double billed XXXX, or billed twice. I spoke with XXXX XXXX id # XXXX ) who said she could not remove the charge off of my account for at least 60 days. She explained that was the amount of time it took to dispute the charge. 

I did on XX/XX/XXXX purchase a shed from Lowes, but I did not want to be doubled billed for the cost. And it is not fair to me that this amount sats on my credit. They are sloppy. I want this credited back to the account as quickly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I filed a complaint with the CFPB about AMEX reporting information on my credit report that is not mine. I attached the Police report and FTC report. The complaint ID numbers are XXXX, XXXX and XXXX Please view for attachment purposes. On XXXX They responded by sending an agreement attachment. The attachment will be upload. The attachment has the address spelled wrong and left off my prefix. which I never do. My name is XXXX XXXX XXXX. It has no signature and the complaint was closed. I am distressed that AMEX have included the information on my credit profile and that thay have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the accounts be verified or removed immediately
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card with XXXX XXXX on XX/XX/XXXX ( card ending in XXXX ), which went into collections and resulted in a debt collection lawsuit being filed against me in XX/XX/XXXX ( XXXX County Common Pleas Court case number XXXX XXXX XXXX ). 

I also opened a credit card with XXXX XXXX XXXX on XX/XX/XXXX ( card ending in XXXX ), which went into collections and resulted in a debt collection lawsuit being filed against me in XX/XX/XXXX ( XXXX County Municipal Court case number CVF XXXX ). 

I settled both cases that year and I have since paid the debts off completely. However, XXXX XXXX and XXXX XXXX XXXX both continue to report these accounts negatively. The negative reporting is driving my credit score down and I need the information to be updated with the CRAs to reflect that these disputes have been settled and paid in full.
Product: Student loan

There was Monthly Payment Agreement of {$460.00} with the alleged student loan servicer-Navients XXXX XXXX [ Employee ID XXXX ] per the Recorded Voice Conversation. 

There were/are multiple notifications " by the alleged student loan servicer-Navient for overpayment from my bank account ''. Yet the alleged student loan servicer-Navient continues to take this money automatically from my bank account and continues to record non-payment of Student Loan with late fees. 

The alleged student loan servicer-Navient also reporting Fraudulent Loan Balance of this private student loan to all Credit Reporting Agencies such as XXXX XXXX and  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on the EQUIFAX response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquirY reporting on my Credit Report : 1. XXXX Inquiry Date XX/XX/2020 ; 2. XXXX Inquiry Date XX/XX/2020 ; 3. XXXX XXXX Inquiry Date XX/XX/2020 ;
Product: Checking or savings account

My name is XXXX XXXX I received a call from Bank of America while at work in XXXX MA stating that my XXXX account was being used so they needed me to verify if I made the transactions. I said no I didnt he gave me a reference number and told me as a BOA rep he would contact the 3rd party XXXX and we needed to send the money to the email XXXX in my name to hold the money for 24 hours and block the account so that whoever was trying to get the money in Connecticut could not. Well all this was a scam it was not the bank and my account balance is {$0.00} a claim was placed but they wont guarantee Ill get my money back, {$2700.00}. 

I just survived XXXX for the 2nd time, I am newly XXXX  and have a young child. I really need some help recovering my money. The existing claim number I was given is XXXX. If anyone can help me I would greatly appreciate it. 

XXXX XXXX ( maiden name on file at BOA ) XXXX
Product: Debt collection

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 'XXXX XXXX XXXX XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX XXXX XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

My name is XXXX XXXX, I am a XXXX XXXX the address is XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. Our company 's business checking account was transferred by hackers in the amount of {$120000.00} between XX/XX/XXXX and XXXX XXXX. 
The first thing happened was my debit card was declined for online payment In XXXX, I called KeyBank customer service XXXX they said there was something wrong with my debit card and told me my debit card was blocked and they will send me a new debit card. 
On XXXX XXXX, we log-in our online bank of Key bank account, someone transfered out our money from our account. 
The amount are : {$94000.00} on XXXX XXXX {$6000.00} on XXXX XXXX {$29000.00} on XXXX XXXX {$200.00} on XXXX XXXX Total amount is {$120000.00} We called costumer service to report these fraud things happened on XX/XX/XXXX, but the costumer service asked us to our branch to see our banker. So we went to our branch, Our KeyBank branch address is XXXX XXXX XXXX, XXXX, OH XXXX. The phone number of branch is XXXX, Our banker 's name is XXXX XXXX. 
Our banker report to fraud department and frozen our account., the Fraud number is XXXX, And then he opened a new account for us, transfered {$100000.00} from the frozen account to new account. All of the money were refund to our frozened account on XXXX XXXX. 
But after few days, Key banks took back {$120000.00} from the frozen account, so the balance amount of frozen account were XXXX XXXX, the reason is the fraud department still working on this case, our banker told us : [ Don't worry, Keybank will take care this. ] We always following up of our case and waiting for keybank to fix this case. About two month later, keybank closed our frozen account, the balance is showing {$0.00}. And we received a letter from a debt collection agency. The letter showing we owe {$83000.00} from keybank. We asked our banker what happened, our bank answered the fraud department find out the stolen money was transfered to XXXXXXXX XXXX, but the XXXX won't refund the money. The banker told us that he can't do anything at that timing, he asked us make report on Police department. So we completed the police report at police department at XXXX on XXXX XXXX. The report number is XXXX. 
After XXXX months long wait, we still can not get any help from Keybank or Police department, so we are asking CFPB help us. 
If you have any question, please contact me, my cell phone number is XXXX work number is XXXX. 
XXXX XXXX name is XXXXXXXX XXXX XXXX XXXX, address is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. 
email is -- -- XXXX Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have explained to several people at TransUnion that this account for XXXX account number XXXX does not belong to me. I keep explaining and speaking to people off shores each time providing documentation that they request and getting no resolution. I feel like they continually read from a script saying the same thing over & over but not attempting to help me correct this mistake. I have added a copy of the identity theft report with the account number as they requested.
Product: Debt collection

I had paid off my final balance with a debt collection agency XXXXXXXX XXXX They had double withdrew a payment. They took two payments of {$95.00}. I contacted them and they have yet to refund me.
Product: Credit reporting or other personal consumer reports

My consumer reports is showing XXXX XXXX  payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been XXXX  on payments for the accounts that I have included screenshot inside this complaint in on dates of [ XXXX XX/XX/2021 ]. On my XXXX I have NO XXXX  payments which is CORRECT, but on my TransUnion and XXXX its showing different days which are NOT correct. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never XXXX. Thanks! Please see screenshot attached.
Product: Debt collection

The company I was going to was closed for kickbacks and performing medically unnecessary lab tests in XXXX. The physician 's medical judgment was compromised by improper financial incentives and is instead the best interest of the patient. I did not receive any attempt to collect this debt in 2 years so I reasonably assumed I did not owe the medically unnecessary procedures Every time you went to the office they came up with another procedure they wanted done. I did not have a choice to refuse to do them because they threatened me that they would not refill my prescription if I did not get the procedure. 
I received a letter from XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX because they sent the bill to the wrong address. I disputed the debt on XX/XX/XXXX in writing. Asking for a breakdown of fees and how interest is being applied. Proof I signed a release to XXXX to have a copy of my medical records which included procedures. Proof that the procedures they forced me to do were medically necessary and not part of the kickbacks that they were closed for doing. Proof that I received something letting me know the account was being sent to a collection company. All I received was a bill from XXXX for the amount I owed. I then requested everything again. No response from them. I was giving them time to get the documents thinking it might take a while due to the company closed. Then I get a letter on XX/XX/XXXX that they are going to put a judgment on my house. 
The bill of sale and assignment does not include the office I went to so I feel they misrepresented themselves say they were.
Product: Checking or savings account

My issue happened in XXXX. As an XXXX, i freshly arrived in XXXX XXXX from couple months spent in XXXX XXXX, XXXX. It is in XXXX XXXX I opened my bank account ( Bank of America ) .When i came in XXXX, i met someone from same country as mine in the XXXX  I was in.He lived in XXXX XXXX and told me that he needed some cash if i can help him to withdraw some cashes with his check he uses in XXXX . Willing to help him, I agreed to help him to cash a check of {$500.00}, then I put it in a Bank of America ATM machine. Couple minutes after receiving half of the amount in cash, my account was closed without any notice. I worried and went to check it with a Bank of America representative I knew on XXXX in the XXXX. I called Bank of America customer service and tried to talk with someone to explain my issue, they didn't want to hear anything from me. And also at at that time I could barely speak English since I just came in the USA with my XXXX. I decided to wait later to find a way to solve the issue. The issue prevent me from opening an account with a bank in the USA, that is why I want to solve it. My though on why all this happened is maybe the check is from XXXX. I really do not and I want some explanation.