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

On XX/XX/2024 I woke up the vehicle gone. I called Nissan and they had informed me that the car had been repossessed. They stated that I owed them {$2200.00} to obtain the vehicle. I let them know that I would be signing over and power of attorney letter to my sister as I am in XXXX. On XX/XX/XXXX I called to make sure that the letter had been submitted and reviewed so that my sister can obtain the car on my behalf and I double checked the amount due they stated once again it was XXXX. The next day I receive a letter from XXXX in which they are charging me {$2200.00} with a towing fee of {$450.00}. I called them and had one of their representatives yell at me because I was simply trying to understand why it had gone up so much and why they were charging me for the tow. I asked to speak to a manager and the manager was very kind, I explained to them that I dont believe I should pay the towing fee because we live in a gated private property community. The tow company illegally entered the property and the property owner was never contacted. I also called the XXXX police station, and they advise that no one was contacted to enter, and it is against the law for them to even interfere as its a private tow. XXXX said that they would try to resolve this issue and see what they could do. I had my sister contact them, yesterday which is XX/XX/XXXX and they denied being able to give her any information. I submitted a power of attorney letter on the XXXX and the letter still has not been reviewed or even approved. They failed to give me the correct amount owed in which Ive called them twice. I called them myself after they refused any information to my sister and they stated they would not waive the towing fee regardless if the tow was done illegally. They themselves admitted to tow being done illegally. However, they stated it our vehicle that is unprofessional and absolutely embarrassing. That as a finance company they are not informed of the law and My rights as a consumer. Our entire community has multiple signs that state it is a private property. I have arranged for some of my neighbors to obtain footage of them entering the community illegally. Nissan believes that they are in every right to obtain the vehicle. in which they are, however, there are laws rules, and regulations that everyone needs to follow. The tow company they hired has completely violated the breach of peace law. Nissan needs to fix this since they subcontracted them.
Product: Money transfer, virtual currency, or money service

I have several accounts at Chase Bank. Chase has recently included Chase XXXX XXXX, as a Chase product. I contacted Chase to pay a vendor through Chase XXXX pay, Chase then deducted the amount from my Chase checking account, and made the payment. I quickly realized this was a fraudulent vendor, contacted Chase Bank to investigate, and refund my money. I was told, in bank double-speak, that Chase XXXX pay is considered a cash transaction, and therefore has zero protectins from Chase Bank. I quickly pointed out that I DID NOT withdraw cash and make a payment, I used Chase products and Chase Bank made the withdrawal and payment. I questioned how this payment is different from an online payment from my checking account, there were no answers. 
I feel deceived and victimized by the illusion that Chase Bank Product XXXX XXXX, " is not really a Chase product ''.

I chose Chase XXXX pay, under the deceptive assumption it was a protected transaction, especially since the entire transaction is done by Chase Bank. 
I have made several calls, emails and inquiries, without any reparation. This is a misleading representation by Chase Bank, and I am a victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing today because I am shocked on how poor attention and lack of investigation XXXX, and XXXX has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below inaccuracies : LVNV FUNDING LLC Account Number XXXX The first error date of activity XXXX is reporting XX/XX/2021 and XXXX is reporting XX/XX/2021. 

The second error account status XXXX is reporting closed and XXXX is reporting open. 

The third error payment status XXXX is reporting payment status as collection/ charge off and XXXX is reporting Late 120 days. 

The fourth error is last payment XXXX is not reporting a last payment and XXXX is reporting last payment XX/XX/2021. 


I have sent numerous letters to XXXX and XXXX they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G. I have the right for 100 % accuracies on my credit report.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX  : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
Chapter XXXX Bankruptcy Discharged Reference # : XXXX DateFiled : XX/XX/XXXX Chapter XXXX Bankruptcy Dismissed Reference # : XXXX DateFiled : XX/XX/XXXX XXXX XXXX Balance : {$0.00} 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 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 card or prepaid card

I received a Promotional mailing from Synchrony Financial for my Synchrony Home credit card stating that I would earn {$150.00} cash back on a purchase of {$1400.00} or more with my Home Credit Card on purchases made before XXXX XXXX, XXXX. I made such a purchase at XXXX XXXX XXXX for furniture in the amount of {$1800.00} on XXXX XXXX, XXXX. When I contacted Synchrony in XXXX about the promotional credit I was informed by them that they " posted '' my purchase on XXXX XXXX, XXXX, ( one day after promotional ended of course ) and therefore I am not eligible for the {$150.00} credit. Purely fraudulent in my view.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed a LATE payment reported on my mortgage account. I should not suffer damage to my credit score because of it. I am now asserting my rights under 15 USC 1666b, which states that a creditor can not treat a payment as late if it's related to a credit card under an open-end consumer credit plan. Reporting this late payment is a violation, and I request its removal from my consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 XXXX
Product: Credit card or prepaid card

I called discover XXXX XXXX at XXXX California time to speak with a representative to inform him i wasn't able to make my XXXX payment and he stated that I was signed up for direct pay and i said I dont remember doing that then they put me through to XXXX XXXX XXXX in the refund department to listen to the phone call i said it on discover called me few days later and said I did say it. O said I don't care if I did I also said I couldn't make the payment and you guys took the {$73.00} anyway out my checking account and over drawed my account and a fee of {$34.00} added to it. Now I cant use my account because of discover and I dont have the money to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in relations to complaint id : XXXX-XXXX I am a victim of the Transunion data breach. 

The inquiries were made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If Transunion has no physical proof, I would like it removed immediately.
Product: Student loan

Navient is very deceitful. I have paid over 18k of interest for my 30k federal student loan. And they are telling me I still owe 30k of the loan. They give me very limited options for paying back the loan. They also do not give a timeline of when I should pay off the loan or how much I have left in my term. This whole thing does not make sense. I already have paid off XXXX 20k plus car loans but I can't pay my XXXX student loan debt. because of the high interest and long term student loan terms? This does not make sense. Please Help! call me XXXX! XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute, submitted on XX/XX/XXXX, regarding the inaccurate and fraudulent reporting of the following account on my credit file : XXXX XXXX XXXX XXXX ( XXXX ) Account Number : XXXX Opened On : XX/XX/XXXX Balance : {$10000.00} This account is fraudulent, and I have already provided sufficient documentation, including proof of identity, to support my dispute. Despite this, I received a stall letter requesting proof of identity, which I have already sent multiple times, including to the Consumer Financial Protection Bureau ( CFPB ). This repeated request is not only redundant but also violates the Fair Credit Reporting Act ( FCRA ) by failing to properly reinvestigate the dispute and resolve it promptly. 

Relevant Legal Violations Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ) : Under the FCRA, TransUnion is required to conduct a reasonable investigation within 30 days of receiving a dispute. Failure to do so, including reliance on unverifiable or incomplete information, is a violation of this law. 
Failure to Delete Unverifiable Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ) : If the disputed account can not be verified, TransUnion is legally obligated to delete the information. Since you have not provided any supporting documentation from the furnisher to verify this account, it must be removed immediately. 
Failure to Notify of Results of Reinvestigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ) : TransUnion failed to provide proper documentation or evidence supporting the continued reporting of this account in its response to my original dispute. 
Improper Stalling Tactics and Requests ( 15 U.S.C. 1681a ( 4 ) ) : By requesting proof of identity that I have already submitted, TransUnion is engaging in unreasonable stalling tactics, further delaying the resolution of my dispute. 
CFPB Precedent In light of the recent CFPB lawsuit against XXXX ( XX/XX/XXXX ) for its failure to properly investigate disputes and ensure accurate reporting, I expect TransUnion to comply with its obligations under the FCRA and avoid repeating similar violations. TransUnion must conduct a thorough, independent investigation without blindly accepting unverifiable claims from the furnisher. 

Resolution Demanded Given the clear violations of my rights and the failure to properly investigate this matter, I am demanding the following actions within 4 calendar days from the receipt of this letter : Immediate Deletion of the Disputed Account : If TransUnion can not provide documentation verifying the accuracy and ownership of the account, it must be deleted immediately as required by 15 U.S.C. 1681i ( a ) ( 5 ). 
Removal of Hard Inquiries : Any hard inquiries associated with this account, including those initiated without permissible purpose, must also be removed. 
Provision of Documentation : If TransUnion insists on continuing to report this account, I demand that you provide : The specific documents used to verify the account. 
The identity of the individual or entity who verified the account. 
A detailed description of the methods used during the investigation.
Product: Credit card or prepaid card

I made a reservation a car rental from XX/XX/2019 to XX/XX/2019 in Washington DC XXXX XXXX through the third part XXXX. [ My booking number is # XXXX ] I did NOT make a reservation directly from XXXX car rental. 

My price for this rental was XXXX {$210.00}. My Wells Fargo debit/credit card was only charged {$210.00} and the difference was charged at the XXXX XXXX desk with my different credit card when I got a car in XX/XX/2019. 

Initially, I have made a reservation on XX/XX/XXXX through XXXX. XXXX did not take my Wells Fargo debit/credit card when I was in XX/XX/XXXX around XXXX XXXX. The reason was they take only the major credit card. [ I was not very happy with their customer service. ] I went back to home and got a rental car the next day in XX/XX/2019 early morning around XXXX. 

Smelling inside of the car was not horribly bad when I just got in the car. But, I asked them to have another car, but I was told that another car is the upgraded car / different price so I could not get another car. 
Bad smell from the car was very unpleasant to deal with when I was driving and especially when the air conditioner was turn on. I was going to exchange to another car if I see other locations XXXX rental car on the way driving ; however, I could not find any other locations. Eventually, I had to stop by the store to get an air fresh for the car. 

I called the website in XX/XX/2019, where I have booked a reservation for the car and complained about it. I asked them to have credit the money back to my account for unsatisfied service. They told me that I needed to call XXXX directly about the issue. 

I called XXXX in XX/XX/2019 but I was told the same thing that I needed to call the website where I have booked it. I called them but, they have rejected my complaint. 

I called XXXX and they have promised me to give free coupons instead of refunding the money. I was told it take 7 days to process to get a promo code to use but I have never received the promo code and have called them so many times. I was told the same things over and over again. 

I am disputing the charge was they ( XXXX ) have not promised why they told me to do so. 

Wells Fargo has sent a letter to provide more information about the issue and I need to respond by XX/XX/XXXX which I just got the letter from them in XX/XX/XXXX when I get home late night. I have not had a change to call because it was too late to call and they closed. 
I called them the next day, XX/XX/XXXX about my claim. I was told a provisional credit of {$210.00} would reverse. 
They have not even given enough time to me to provide my situation to resolve the issue. 
It was not fair to me and they do not consider their customer. 
For that reason, I would like to report a satisfaction service that provided to me.
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries reporting on my credit report, I requested information that validates these companies pulling my report or validates the credit reporting agencies furnishing these inquiries and have yet to receive any responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this XXXX with account number XXXX has violate my right and I need this account deleted from my credit report.

[ 15 U.S.C. 1681 section 602a section1, states I have the right to privacy.

[ 15 U.S.C. 1681 section 604a section 2, state that a consumer reporting agency can not furnish a report with my writing instructions.

For this reasons, I demand that the above named company with the account number should be removed/ deleted from my account.
Product: Debt collection

XXXX XXXX XXXX has assigned your account to Monterey Financial Services, for servicing. As authorized, we have set up your account for debits of {$18.00} from your bank account each month on your due date. If you have any recent changes, or anticipate any changes with your banking relationships please give us at least 2 business days notice prior to your draft date to allow for changes. If you did not authorize automatic payments we will send you a coupon book in approximately two weeks. New Account Number : XXXX Balance : XXXX Late Charges : XXXX Monthly Payment : XXXX Next Payment Due : XX/XX/2016 Amount Currently Due : XXXX Early Payoff Amount : XX/XX/2016 Early Payoff Expiration : XXXX I applied with XXXX XXXX XXXX at XXXX XXXX 's for my daughter 's car repair 's to get her ready for a long trip to Wisconsin she is in the Military, was very important to me. I found out that XXXX stopped using XXXX so I used the XXXX XXXX and I was unaware of the Company called XXXX XXXX was the institution that was in charge of collecting the payments for XXXX XXXX XXXX. XXXX XXXX owns XXXX XXXX XXXX. So when I was the charges coming through by XXXX I thought it was fraud attempt and I put a stop payment so I put a stop. Now they want to charge me double the amount owed it was a ridiculous interest rate they are charging me for this miss understanding, and they have already collected the majority amount that I had originally financed with them which is {$140.00}. I am a single mother and I am on XXXX XXXX XXXX at this time and my income is half of what I would receive if I was working. Please help me with this matter, I am willing to work with them but not by paying double what I originally financed with XXXX XXXX  XXXX. <P/>XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX and a dental supply company XXXX sells dental implants. I was about to do a contract with the rep when I changed my mind and told him not to move forward. 
His manger then ran my credit and did a hard pull, I did not authorize this pull and this should not be on my credit. This company illegally used my information against my wishes. 
I spoke to the company and they offered little recourse but a sorry. 
Thank you Any questions please reach out to me via email or phone. 
XXXX XXXX
Product: Mortgage

I lost my job and asked my mortgage company for help. They worked out a plan with me and I made all of my payments as agreed. I was told I could reapply for more help once the plan ended. I did everything they asked and they denied me for help. Then, they told me I owe them over XXXX in back payments due in 2 weeks or my house will be in active foreclosure. I was told that during the payment plan, no fees would accrue and when it was done I could try for more help or resume my normal payments. Now, the situation has changed. I want to keep my home but am still unemployed.
Product: Student loan

In XXXX of 2016 I began the process of consolidating my federal student loans and applying for the Revised Pay as You Earn Program with the Public Service Loan Forgiveness with the federal student aid department. I contacted a company I thought was affiliated with the Federal Student Loan Department ( the Student Loan Relief Department ) to help me along with this process. I was not aware that the services offered by this company for a fee of over {$1300.00} are available for free from the department of education managing the loans. I was never told that this service is available to me at no cost. I do have paperwork I signed stating that I agree to pay the fee, but I do not feel like it should be legal for this company to charge individuals for a free service. I feel as though I was not thoroughly made aware that the same service I was paying for was something that could be completed at no cost to me. This is unfair to individuals who are simply attempting to manage student loan debt, or any debt for that matter, and are unfairly taken advantage of when attempting to do so. The representative I initially worked with is named XXXX the phone number for this company is XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

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 

15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ), 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.