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

I've had this car with Chase Auto Loan since XXXX. The day I walked off the lot with a XXXX XXXX XXXX my Balance was {$20000.00}. Today after 3 years of paying {$420.00} x25 my balance is {$19000.00}. I have given Chase Auto Loan {$10000.00} out of my pocket for this car in which they stated each and every payment I made they consider it to be late!! I was told that my payment due date is the XXXX of every month. I broke my payments down twice a month in the amounts of {$220.00} and {$230.00} that I paid every XXXX and XXXX of the month. They ( Chase Auto ) told me this is incorrect and my payment doesn't reach them on time. Chase denied me access to making payment directly to them, stating they no longer take debit card payment and because I'm not a regular chase customer ( meaning I don't have a checking or savings account with chase ) I can't set up to pay at a chase branch directly nor can I set up an online account and pay directly on their website. The only option and way I can pay my auto loan with chase auto were from my online XXXX  XXXX XXXX direct bill pay account. So a payment that comes out of my account from XXXX online bill pay with a date of the XXXX wasn't considered on time because Chase goes by the date they actually received the payment in hand with can take up too 7-14 business days from the date the payment was processed ( once again on the XXXX and XXXX of each month ). I called Chase Auto and I gave them a piece of my mind and I felt I had every right to get nasty on the call. WRONG move on my end because the next day they repoed my car and now they're refusing to give it back to me! I was told I have to flat out buy the car at {$19000.00}! after 3 years of giving them {$10000.00} of my money!!! If someone can help me, please help. I'm a single father of  XXXX XXXX  that I care for on m own. My car has over 61,000 miles on it because I'm driving them all over the world for school, sports and just for fun. It's so hard being a single father without their mom alive. Please God Please someone help!
Product: Mortgage

I had a loan with Dovenmuehle Mortgage from XX/XX/XXXX to XX/XX/XXXX. The issues started when they took over from the first mortgage company ( I guess that is common to be bought out by another early on ). They told me to use the same coupon book that my payments would be forwarded on.. So I did so.. They notated that I was late almost every month bc of the mail time it took for the payment to be rerouted. I tried to do bi weekly payments via wire to get this corrected but they did not accept that form of payment ( of course not then how could they charge late fees ) ... so I tried to do online payments.. that worked for a little bit until they turned that feature off.. so I could no longer do online so I had to go back to mailing in payments ... towards the end of my loan.. they would say.. we never received your payment.. then all of a sudden it would show up.. or I would send a payment and they would return it and not apply it to my loan. I would message them all the time on their own website asking for assistance to get this resolved and no one responded or when they did it was weeks to a month later ... Horrible customer service. They took no ownership in their errors or lack of response to their website issues. I can now not get approved to buy a new home and am stuck with this on my credit due to their lack of customer service. Also I closed on XX/XX/XXXX and as of XX/XX/XXXX they are reporting me late.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX Balanced {$12000.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$0.00}
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : TransUnion : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  : XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX  XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX : XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

When I applied for an auto loan on XX/XX/XXXX with XXXX, they rejected my application and informed me that other people were using my SSN. I immediately contacted all three credit bureaus. They confirmed that only the last 4 digits of my SSN were visible and when I explained the situation about my auto loan rejection, they escalated my case to a supervisor who could see the full SSN. The supervisor confirmed that there was a discrepancy in my SSN : the third digit was incorrect in XXXX, and the entire SSN was incorrect in XXXX. I mailed all my proof documents, and they informed me on XX/XX/XXXX that my SSN had been corrected. 

However, when I applied for another auto loan with XXXX on XX/XX/XXXX, it was rejected again due to concerns that others were using my SSN. I need assistance in correcting my details with all three credit bureaus. I have obtained credit reports from all three bureaus, but I can not find my full SSN listed. All other details on the reports are correct.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Subject : Report of FCRA Violations by Equifax Dear Sir/Madam, I am writing to formally report violations of the Fair Credit Reporting Act ( FCRA ) by Equifax. Specifically, I believe that Equifax has failed to comply with the provisions outlined in 15 U.S.C. 1666b, which states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. ( Late Payments are Transactions or Experiences ) Furthermore, according to 15 U.S.C. 1681a ( 2 ) ( I ), it is essential to note that a " consumer report '' does not include reports containing information solely as to transactions or experiences between the consumer and the reporting party. This indicates that Equifax has violated my rights by furnishing inaccurate information on my credit report without my written consent. 

I request that Equifax provide me with the original signed contract related to my account within five days of this letter 's date. If they are unable to provide this documentation, I demand the immediate removal of the account in question from my credit report. 

Additionally, I am uploading copies of Equifax 's credit report obtained from their app, along with another report from XXXX, for your review. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely, Here is a copy of the stall letter I received stating they can't locate a credit file.
Product: Credit card or prepaid card

I have a XXXX XXXX XXXX credit account that was subsequently opened with TD bank, opened to purchase furniture. This card/account offered good terms and 0 % APR for approx 12 months. Unfortunately, after receiving the card, I found out that TD Bank does not offer a way to setup recurring payments, requiring you to log in or mail in your payment to ensure you are able to pay off your account before your promotional terms expire. On top of this, you can not see the promotional terms of your account, the only to get this information is to call into an XXXX # and speak with an agent in a call center which is open only during business hours XXXX. The recurring payment option was able to be overcome by setting up bill-pay payments with my financial institution and I thought everything would be fine. However, after making an additional purchase with XXXX XXXX XXXX the issues compounded and working with TD Bank became even more problematic. When making your payments to TD Bank the only way to dictate how your payments should be allocated is to call into the same XXXX # and speak to an agent in the call center. If you do not do this your payment is applied however the bank wishes, making it impossible to calculate how to pay off your balances within your promotion time period, unless you call in and speak with someone every time you make a payment until the end of your term. It is 2018, and this type of payment allocation and self-service functionality is a disgrace. The only reason I can think for this to be setup this way is to make it as difficult as possible for consumers to pay back their accounts within the promotion period and charge back interest for as many payment plans as possible. I would allege this is a UDAAP violation that could really harm consumers who are not financially savvy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Money lion is reporting a late on XX/XX/20, XX/XX/20. Due to the unforeseen events surrounding the pandemic that is Covid 19 I have been severely financially impacted. I live in California and it has been a mess. I've really been struggling to stay afloat while my employer continues to suffer because of this pandemic and therefore affecting my work hours. I have done my best to stay current and not fall behind. However, this was inevitable the entire state of California shut down. I ask that you please remove the lates from my credit file. Under the federal mandate and CARE act creditors aren't allowed to file negative notations on credit and I can see why. The hardship of going through a pandemic alone is immense, and creditors should not be adding onto the stress. I ask you remove these lates from my credit file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Social Security Number : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft, Charge off Please Remove Late Payment Accounts Below XXXX - XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX USA Open date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Open date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Open date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Open date : XX/XX/XXXX Dear, XXXX, Equifax, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

XXXX and LexisNexis continue to report inquiries that I do not recognize and did not authorize. 

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

I have a freeze in place, and a fraud alert. I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. Please block, and or delete this items. I wrote letters to have this information verified and I've gotten no response. When I called over the phone, I was told to sent a letter which I had already done but they were unable to locate it. Each rep I spoke with were from another country and we had a disconnect with verbal communication. I mailed each letter to the address listed on the web site so I had no idea of how a rep from a foreign country would be able to locate it anyway. Please respond to this attempt, I have no other options left except to pursue legal action.
Product: Debt collection

On XXXX XXXX, XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX County, XXXX, Georgia stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account FMS FINANCIAL MANAGEMENT SOLUTIONS via phone, email or fax. 
I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with FMS FINANCIAL MANAGEMENT SOLUTIONS, ( XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ). 
On XXXX XXXX, XXXX I received official correspondence from Recorder of Deeds in the county of XXXX County of XXXX, Georgia, ( XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX Court, XXXX County, Georgia ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XXXX XXXX, XXXX I sent legal notarized affidavits from XXXX County, Georgia to XXXX, XXXX and XXXX stating the following : To the Following : XXXX, XXXX XXXX, XXXX, TX XXXX ( XXXX, TX XXXX ) XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX ) XXXX, XXXX, GA XXXX ( XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX XXXX This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with FMS FINANCIAL MANAGEMENT SOLUTIONS, ( XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ). 

On XXXX XXXX, XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing FMS FINANCIAL MANAGEMENT SOLUTIONS the following : I do n't know anything about this debt please send to the Original Creditor. 

As Resolution of this complaint, I ask that FMS FINANCIAL MANAGEMENT SOLUTIONS stop all current and future correspondence with me and their company be erased from my current credit report. 
Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : In XXXX, XXXXthe dealership. It was a XXXX XXXX car. The dealership took the final details and indicated the XXXX XXXX  Team will reach out to me for the final payments. 
XX/XX/XXXX. I reached out to XXXX XXXX customer support to inquire about the remaining payments and they indicated a letter was on the way. 

I never received the letter. 

XX/XX/XXXX. XXXX XXXX reports a late payment on my credit report. I call XXXX XXXX and the customer support acknowledged they sent it the final payment letter to the wrong city ( or rather wrong address ). I inquired the amount left and paid it immediately. This is surprising since XXXX XXXX has been communicating with me effectively for 3 years of the lease. 

At this point, the damage to my credit score was done. Experian bumped me down from 800+ to XXXX with a day or two. I had no other negative information on my report. 

I filed dispute with Experian and reached out to XXXX XXXX. While the customer support acknowledges they sent the final payment details to the wrong address, the finance team that works with credit report agency did not correct the inaccurate representation to Experian that I was late, nor did they ask for the negative information to be removed. 

I reached out to Experian customer support, submitted a written letter with the sequence of actions. XXXX XXXX customer support while they acknowledge their mistake, will not send a letter indicating that they made a mistake. 

I was told by Experian to reach out to Consumer Financial Protection Bureau as a last resort. 

Please help!
Product: Student loan

I have been trying to get a copy of my student loan payment history since XX/XX/2021. As of today, XX/XX/2021, Firstmark Services has still not been able to provide me with a copy of my loan history. I have been calling frequently, lately on an almost weekly basis. Today, the customer service supervisor stated that she had " no super good timeline to offer me '' about when I might receive a copy of my student loan history. This did not sound super good to me. 

My original request was to XXXX XXXX in XX/XX/2021. I believe my loan was transferred to Firstmark iat the beginning of XX/XX/2021. I followed up with both XXXX XXXX and Fitrstmark in XXXX, but Firstmark claims I requested my student loan payment history on XX/XX/2021. This is false. I requested this information several times from them between XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion of two student loan accounts from my credit reports. 
U.S. Department of EducationXXXX XXXX Account # XXXX U.S. Department of EducationXXXX Account XXXX XXXX My request is based on the fact that my personal information was compromised in data breach ( s ) involving Experian.

As a result of the data breach ( s ), my personal information, including my student loan account details, was exposed, leading to potential inaccuracies and unauthorized access to my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to request the removal of any information that is the result of identity theft or fraudulent activity.

I believe that the data breach constitutes a violation of the security and accuracy of my personal information, as outlined under the FCRA. Specifically, the FCRA mandates that consumer reporting agencies and furnishers of information must ensure that the information they provide and maintain is accurate and secure. Due to the breach, this standard has not been upheld, and my student loan account information may be compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains incorrect information.
Product: Mortgage

I declared personal bankruptcy 4 years ago. My home has XXXX mortgages. At the time, my lawyer advised that I =not= include the servicers in my list of creditors. I have never missed a payment with either company, but because I did not include them in my list of eligible creditors, they have refused to report my good payment history to XXXX, XXXX, etc. so I ca n't properly rebuild my credit.
Product: Credit card or prepaid card

The XXXX statement for my USAA credit card was posted on XX/XX/XXXX. It showed Cash Advance balance subject to interest of {$8900.00} and an interest fee of {$95.00}. I have never taken a cash advance on this card. I called the company on XX/XX/XXXX to inform them of the error. The individual I spoke with indicated that is how they account for interest on balance transfers. I previously had a balance transfer, but paid it off before the promotional period ended, and thus should not have been subject to any interest charge on the balance transfer either. I work in the financial industry, so I know that written complaints have to be dealt with, and where the individual on the phone wasn't willing to correct the issue and waive the fee, I submitted a letter to USAA which was received on XX/XX/XXXX. I received an email confirmation that they were reviewing it. This morning, XX/XX/XXXX, I received another email saying the fee is valid and I am required to pay it. I do not believe this fee is valid, and even though it may only be {$100.00} to me, which I can afford, if this company is doing similar behavior with its thousands of customers, especially if they are servicemembers, then I believe it's something that should be investigated.