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

I leased my car via Ally Financial. At the end of lease term, a check was mailed via USPS to purchase my car on XX/XX/23 and was delivered on XX/XX/23. The check was cashed on XX/XX/23. In late XXXX, I got a call from the lease purchase department stating that the payoff could not be accepted because the lease was under my name, XXXX XXXX, and the check was drawn from my wife, XXXX XXXX bank account. Even though we told him that California is a community state and it should not make a difference. The representative indicated that their institution considered my wife as a third party who is not allowed to purchase/pay off the loan on my behalf. I was told that a refund would be issued and I would mail in a replacement check from a bank account with me as account holder. On XX/XX/23, I did not receive the refund check and talked to XXXX XXXX at Ally and was told that refund check was forthcoming. I requested to speak to supervisor and never received a call back. I called on XX/XX/23 again and talked to XXXX XXXX. He told me that the refund check was approved on XX/XX/23 but and should have been sent to me. XXXX said that he would contact the payment processing center to see when the check was mailed and whether it was cashed. But I never got a call back. Later on XX/XX/23, I made a complaint to Allys website and XXXX from executive customer service department called on XXXX at XXXX PDT. When I called back only to learn that his department closed at XXXX PDT, so I left voicemail. Today XXXX I called twice, left messages again and never got a call back. So it has been over 50 days since my payment processed and I still did not have title to my car.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Ive already included this report in my previous complaint & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$59.00} ; XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$100.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the XXXX  possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Cainer and Werner Company INC of XXXX XXXX XXXX, XXXX XXXX, CA XXXX, has been sending me collection notices in the amount of {$240.00}. This balance has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contact with my signature.
Product: Mortgage

My XXXX  became seriously ill XX/XX/XXXX. After taking care of her full time, I fell behind on my mortgage about {$3200.00}. PHH Mortgage sent me a foreclosure letter XX/XX/XXXX. My XXXX  passed away XX/XX/XXXX. Call PHH Mortgage to get a forbearance, or different repayment plan or a partial payment & the rest of the balance to be placed at the end of the loan. PHH Mortgage didnt want to negotiate. The foreclosure date kept changing & pushed to XXXX. But I couldnt speak to no one until XXXX, 13 days after my foreclosure date. A mortgage counselor XXXX way called PHH Mortgage & said this act isnt helping mr fite, & you as a company is out of compliance. Afterwards, the mortgage counselor pressed me to call the attorney general of the state of texas. 
XX/XX/XXXX PHH Mortgage tried to foreclosure on my house if i didnt come up with {$5000.00} within a 7 day period. 
XX/XX/XXXX emailed me a letter stating let work this out with a forbearance etc & contact them. Reached out to PHH Mortgage about the email & I was told the email I received was not for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card account was fraudulently established with XXXX XXXX XXXX XXXX XXXX using my identity in XXXX, and subsequently reported to the credit reporting agencies as delinquent. Numerous attempts with XXXX to establish the account as fraudulent and have it removed from my credit reports went unanswered. I submitted complaint # XXXX with CFPB in XXXX, and a rep from XXXX responded with a Notification of Suspected Identity Theft form to submit. The form was promptly submitted, and a rep informed me over the phone that the form was received and the account would be removed from the credit reporting agencies and a confirmation letter mailed to me. As of XXXX the fraudulent, delinquent account is still being reported to credit reporting agencies and I have never received any letter from XXXX confirming the removal of the account. I contacted XXXX 's customer service over a month ago and was promised a " supervisor '' would contact me to help but have yet to receive any response. XXXX repeatedly refuses to provide any contacts within the company that can resolve this issue.
Product: Mortgage

I have contacted my mortgage holder XXXX XXXX at XXXX in an effort to have them give me access to my mortgage information via the internet. 

I have contacted them no less than 6 times for this matter. Each time I am told they will turn it over to their IT department and someone will fix the issue.

I have two pending case numbers with them XXXX XXXXXXXX and XXXX XXXXXXXX. My most recent conversation was on XX/XX/2021 with customer service. I was told again this matter would be sent over to their IT department and it would be handled. 

This is a real issue. I am not able to check on my balance. I am not able to pay an additional amount towards my principal or my escrow. 

The website has no guts to it. It is a blank white page. I have included a snap shot.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an credit card opened at XXXX BANK on XX/XX/XXXX under the account number XXXX, a credit card at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a secured credit card at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$810.00} account number XXXX, a cell phone with XXXX XXXX under the account number XXXX, opened on XX/XX/XXXX with a balance of {$1100.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ).
Product: Debt collection

XXXX complaint number from previous company who sold this debt to a different company 2 months ago ( XXXX XXXX XXXX ) sold to Phoenix Financial Serv this was paid by insurance these 2 company 's need to be investigated
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I notice a inquiry on my credit Report : XXXX/XXXX/ XXXX dated for XX/XX/2019, I then contacted the company listed on my report via Phone and certified mailed letter sent to their address asking why is a inquiry on my credit file and XXXX XXXX , response to both means of contact was the same reply! 

They were not able to provide the reason for the inquiry nor who Authorized this inquiry, they said I would have to contact the original lender known as SunTrust Bank to gather information. 

I immediately called Suuntrust Bank for a explanation why this company ran my credit if I never applied for a loan or signed any contract for a loan or sign a application for funds/ Insurance etc. 

They were not able to provide any significant documentation to display my signature or myself Authorizing this company to check my credit report Electronically, or with a signed document with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has gotten a hold of my personal information and made three inquiries to credit card companies without my approval. On XX/XX/XXXX an inquiry was made and an account established with XXXX upgrade. I have reached out to this lender and let them know. On XX/XX/XXXX two inquiries were made one with XXXX XXXX  and one with the XXXX XXXX XXXX XXXX XXXX  I did not authorize any of these inquiries or accounts and have already filed with XXXX XXXX my file number is XXXX
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$300.00} XXXX XX/XX/year>
Product: Credit card or prepaid card

On XX/XX/2023 Ive received a hard inquiry on my credit report to all 3 credit bureaus.XXXX XX/XX/2023. I called capitol one stating that it was fraudulent and I had no knowledge of any application for a credit card and someone is using my name for financial gain.
Product: Credit card or prepaid card

I have a Capital One Credit card, which I've always paid in full each month for years, never missing a single payment. Last month I missed paying it off in full by 2 days and the payment ( paid online ) took another 1-2 days to post. I was charged both a late fee ( {$25.00} ) and interest charges ( {$86.00} ). They initially waived the {$25.00} late fee and reversed {$50.00} dollars in interest charges. The following month, despite paying my entire balance in-full again and on time, I was charged another {$77.00} in interest. 

They refused to waive any additional charges indicating I was charged interest because I missed paying my balance off in full the previous month. Bear in mind, no one explained there would be additional charges, when I called last month. Furious, I immediately requested that they close out my account. 

I have {$44.00} dollars in rewards that I have not posted back to my account. 

Unless fees are waived in-full, I will never again due business with Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Transunion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I purchased a set of custom curtains from XXXX. The seller advertised themselves as being in the US. Their seller name is XXXX, other buyers have stated they've misrepresented themselves as US sellers as well. After waiting for tracking I reached out to the seller who gave me a bunch of excuses like " he wasn't in the right mood because his father died ''. The curtains arrived in the incorrect color, with major sewing defects and in an entirely different pleat style than what was ordered. I asked XXXX to step in, but since the seller only accepts Paypal, I was pushed off to open a PayPal dispute. After opening a Paypal dispute the seller agreed to a full refund of {$250.00} after I shipped the item back to the address he provided IN XXXX. A couple quick online quotes to ship these heavy curtains to XXXX showed at least {$500.00} in shipping. I told Paypal and they don't care. I advised them of my consumer right to non-defective items- they still didn't care. I purchased this on my linked XXXX so ended up calling them to initiate a chargeback WEEKS after attempting to work with Paypal. I've been a paypal business customer for decades and provided many photos of receiving a CLEARLY DEFECTIVE item from this XXXX seller ( that also appears to have their Paypal account in California? ). This is fraudulent behavior that Paypal is condoning with their complacency.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, PayPal made my remaining Account balance of {$520.00} available for me to withdraw as 180 days had passed since my Account was limited ; and they notified me of this decision via email. Thank you.
Product: Credit reporting or other personal consumer reports

My Experian and XXXX credit reports are reporting an account in collections from a company named XXXX XXXX XXXX for a debt from another company only identified as " XXXX  ''. The amount is {$940.00}. This was posted to my account during the month of XX/XX/2023. I have filed a dispute with Experian and XXXX online stating that I am not aware of this account/company/debt. Although they communicated back that the dispute was resolved, it is still showing up on my credit report as of today, XX/XX/2023. I can only assume that someone purchased something or received a loan in my name and with my SSN. I would like this resolved as soon as possible as it is very negatively affecting my credit rating.
Product: Checking or savings account

I purchased a new vehicle from XXXX XXXX in XXXX, ID on XX/XX/2024. Idaho Central Credit Union was the bank they had me use for my loan. I logged in today XX/XX/2024 to set up automatic payments for the loan only to find a XXXX XXXX XXXX XXXX account had also been opened under my information. There was a {$30.00} initial deposit, which I did not do, and am being charged a {$5.00} set up fee. I never requested a savings account in any way shape or form.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir, I have closed my individual chase credit card on XXXX XXXX by paying off complete balance amount to XXXX. My closed Individual credit card information is missing in the XXXX  credit report since XX/XX/2018. I have communicated to XXXX  about this card, right name and address along with various details. I have also communicated to Chase Credit Card Company to update the right status of closed credit card to all credit bureaus and also Information/Grievance is part of the CFPB records. Chase has responded to me and CFPB that CHASE credit has been paid and closed with XXXX balance on XXXX XXXX and also Chase has communicated to all the credit bureau that my credit card is closed on XXXX XXXX but this information is missing in the XXXX   Credit Report. I have only used chase credit card for my purchases [ all my transactions are part of the statements ] and used as normal credit card and I never ever used any kind of benefits from chase. 
Could CFPB kindly direct XXXX/Chase to update my closed chase credit card details in my credit report, which has been missing since XXXX. My closed individual chase credit should be part of the records for next 7 years.Its unlawful and fraud for removing my closed credit card details from my credit report.
Product: Student loan

EdFinancial states since they moved to a new system, payment history is no longer available. I used the online form to request payment history. How is it ok to erase 20 years of payment history?
Product: Credit reporting or other personal consumer reports

1 ) Experian 's website states I have 2 payments that are 30 and 60 days late within the last 9 months. I spoke with Experian a few months ago to file my dispute but no information has been corrected on the website since then. The actual credit report shows that there are no late payments ever in the history. 2 ) In addition, there are 2 credit cards listed as having been discharged through a XXXX XXXX Bankruptcy ( XXXX XXXX and XXXX. NO consumer debt was included in the bankruptcy filing because all consumer debt balances were at {$0.00} at the time of filing. The XXXX XXXX  was business related, not consumer related. Written proof of the legal paperwork for the Bankruptcy filing was provided to both creditors in XX/XX/XXXX. ( see attached letters ). I sent written proof to both XXXX XXXX and XXXX in XX/XX/XXXX. 

3 ) Experian has yet to include my personal statement regarding the bankruptcy which contained a detailed explanation behind the XXXX XXXX filing on the actual credit report. I provided all of this information to Experian in XX/XX/XXXX.
Product: Mortgage

we have been making payments to the company and they are not crediting us for the account but still charging us financial charges and then refusing our payments and are not responding when we ask why, we have emailed and talked to them on the phone and still we get no place. its affecting our credit score and our bill goes up and they offer no line of credit, they our a company that bought the loan off contrywide home loans. and we never agreed to any terms or did the ever try contacting us. we are sending money to servicing and they accepted the first payment then refuse payments after that money sent to servicing on a weekly bases and they did accept and credit account then refused the other weekly payments this is not right please help as they are hurting our credit score and we are unable to refinance due to them
Product: Credit reporting, credit repair services, 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 15 USC 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  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and do not belong to me. I did not authorize anyone to access my report or make these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfers

I sold products on EBAY through PayPal. They knew I hadchanged my bank as I let them know. There seemed to beno problem taking my money out of the new bank when Ipurchased something. But the money they owed me stillis in their hands. Several phone calls later they assuredme that it was taken care of and I still see they still have it
Product: Credit reporting or other personal consumer reports

THIS COMPANY IS IN IOLATION OF 15 US 1681N THESE FRAUDULENT INQURIES MUST BE REMOED IN 4 DAYS 15 USC 1681C-2. Please remove these hard inquiries from my credit report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have been trying to work with Equifax for over a year now, Starting XX/XX/XXXX, to fix the issue of lenders not being able to pull my credit report. They get an error stating that this could possibly be fraud and can take no further action on my request. 

I have contacted Equifax at a minimum 20 times over the past year and they give the same verbiage " there is no freeze, lock, or fraud alert '', this must be an issue with the lender. EVERY SINGLE LENDER IS WRONG EXCEPT EQUIFAX. I have been attempting to get a home loan and other personal loans for medical expenses and this has been a real hinderance. 

I faxed over identifying documentation, front and back of drivers license and front and back of SSCard, to no avail on Monday XX/XX/XXXX. Called after the fax was received and still no resolve. Please help me in correcting this matter.
Product: Vehicle loan or lease

This company is ruining my life. They have me in this loan with an inflated rate. The car was also totaled out and im willing to pay my balance off because i understand i am still responsible. i was told by one of their employees that i could settle for XXXX i signed documents and called the next day to confirm and they said the agreement was void.
Product: Credit card

On XX/XX/2016, someone acquired my credit card number and my personal information to purchase XXXX, at XXXX XXXX XXXX, Florida XXXX and then had the order smipped XXXX XXXX,,, ,,XXXX, XXXX XXXX XXXX XXXX and had it billed to me XXXX XXXX XXXX XXXX, Florida XXXX XXXX. It was charged to my XXXX card ending in XXXX.