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

XX/XX/XXXX. 2024 I spoke with a Chase representative who advised me the lease end date was extended. She provided me with finance options to get into another vehicle. But did not mention the date I am required to return the to avoid repossion and charge off on my credit report. 

Additionally, I was current with the payments until the account was removed from my banking application, ( XXXX XXXX ) and Chase restricted me for making the XXXX payment. I received notice that the vehicle was in default when it was reported to my credit report on XXXX holiday week. XX/XX/year>, I immediately called to get the issue resolved and to advise that I was not aware I needed to bring the car back on a certain day. Additionally, I told the customer service agent that I spoke with XXXX different agents XXXX in XXXX and the other in XX/XX/year>, on the phone and was never provided a date of return, or written notice. The agent was extremely insensitive and advised I should look at my current lease agreement for theses details. I told I don't have access to it, and the was not aware of repossession or charge off, but I will pay the vehicle off or bring it to the dealership when I return to swap it for a new vehicle. 

Once I arrived back home, I went to the dealership to swap and I was denied instantly due to the charge off Chase placed on my credit report. Additionally, they refused to remove it or allow me to swap out the vehicle. The sale man assisting me advised that Chase has a history of placing clients in the position to take full access to the vehicle without leaving the clients an option. 

XXXX XXXX I arrange payment and sent the remaining balance of {$36000.00} directly to Chase XXXX fianance to satisfy the loan. XXXX XXXX I received a letter stating the loan was paid and not further action is required.
Product: Credit reporting or other personal consumer reports

XXXX XXXX EQUIFAX To Whom It May Concern : My consumer report contains data that was obtained through identity theft. I didn't give explicit written consent or instructions for the transactions or accounts in question to be included in my consumer report. I ask that this information 's reporting be stopped and removed. I did not make a factual misrepresentation when I requested to block anything, nor is my desire to block anything related to the request to clock the identified transactions. 
The accounts that have been detected don't pertain to any transactions that I, the consumer, have made : XXXX XXXX {$230.00} XXXX XXXX {$1100.00} XXXX {$150.00} XXXX {$640.00} XXXX XXXX {$190.00} XXXX. 
Within five days after the transaction, you must comply with my + request and prevent these transactions from being included in my consumer report. 
Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to XXXX  and XXXX on XX/XX/XXXX about 11 negative accounts all with account # XXXX .... from XXXX XXXX for various amounts and 1 negative account from great lakes account # XXXX. I asked for verification and/or validation of the original instrument of indebtedness by way of contract or signed agreement. XXXX responded that they verified the debt with the company and I needed to contact XXXX XXXX for any paper work. I did just that. On XX/XX/XXXX I wrote a letter to XXXX XXXX and great lakes directly asking for the same information. As of this date XX/XX/XXXX I have not received any response of validation and/or verification. I sent another letter to both XXXX and XXXX on XX/XX/XXXX letting them both know that I had not received any response of validation or verification in the time frame specified by law under the FDCPA and the FCRA of 30 days, and that the debts should be removed from my credit report. As of this date I have not received a updated credit report and credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX US DEPT ED XXXX Balance Owed : {$3800.00} US DEPT ED XXXX Balance Owed : {$6300.00} US DEPT ED XXXX Balance Owed : {$3300.00} US DEPT ED XXXX Balance Owed : {$3400.00} US DEPT ED XXXX Balance Owed : {$1900.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$1800.00} XXXX XXXX  XXXX  XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$4200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX, has violated several of my rights, 15 U.S.C 1681 section 602 A. Clarity states a I have the right to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update these accounts immediately as you are in direct violation of several laws under The Federal Credit Reporting Act.
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 {$4100.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX- Account XXXX XXXX XXXX : {$1900.00} Originator Creditor : XXXX XXXX XXXX XXXX-Account Number # XXXX XXXX  XXXX XXXX- Account # XXXX Balance : {$98.00} Originator Creditor : XXXX XXXX XXXX *******Account Number # XXXX XXXX XXXX- Account # XXXX - Balance : {$970.00} Originator Creditor : XXXX XXXX XXXX XXXX XXXX-Account Number # XXXX XXXX  XXXX XXXX XXXX XXXX-Account # XXXX -Balance : {$90.00} Originator Creditor : XXXX XXXX XXXX- Account Number # XXXX XXXX XXXX XXXX - Account # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( A ) ( 5 ) section states 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.

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.
Product: Mortgage

Completed loss mitigation form with Company completed process/documents notarized all require documents. The company had approved modification, but because The notarized documents sent a day or 2 late, they turn around and said they didnt receive doucments on time and 1 document missing a check box on form 4506-T and another page not notarized. We took all documents to a notary and assumed all were notarized. My husband is a Vetern and suffering some health issues as well as myself to put us financial back. We are willing to get back on track and not lose the house. I feel that many times documents cross and also many times did not actually received mail documentation, and had to rely on email with company. All the company is nice overall, they almost set us up for failure. If the only issue was a document why not allow the time to get it to them, as we did via email/faxes. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX   XXXX {$1100.00} XXXX XXXX {$2000.00} XXXX XXXX {$5100.00} XXXX XXXX {$13000.00} XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$260.00} XXXX XXXX {$720.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Product: Debt collection

1st Merit closed my direct deposit checking account and sent it to collections for unpaid overdraft charges. The USPS sent 2 direct deposit payments to the closed account totaling XXXX. 1st Merit seized the funds directly for an obligation totaling XXXX instead of properly following Michigan debt collection law or establish a repayment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of XXXX, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by XXXX and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of XXXX, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. 

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1956 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested XXXX to conduct an investigation into my Campus Partners account that has been open since XX/XX/XXXX. The account was supposed to be consolidated with the rest of my student loans but was erroneously left out. The challenge is that account has been erroneously reported as a collection account and past due since XX/XX/XXXX. The loan has since been paid in full.
I informed XXXX of the same. Not only did the investigation exceed 30 days but they told me on numerous occasions that the first delinquency was XX/XX/XXXX which is not true and they could not delete the trade line. When I asked for a full payment history since the opening of the account, they would not comply which, in my mind, should be been verified during the investigation.
Product: Checking or savings account

I had some fraudulent charges to my checking account, someone started using my debit card numbers in another state. The card was canceled and the bank sent a new debit card, the same thing has happened a total of four times. Most recently, I did not even use the new card and someone tried using it. The only people that knew the debit card numbers were the bank and me. All the fraudulent charges were made in the same city and state, and some charges at the same store.
Product: Credit card

Since I paid {$590.00} for the Citi / AAdvantage Executive credit card, which offers many more benefits than my Citi Visa, it is my priority card for making payments in order to maximize those benefits. 

In response to Case # XXXX, Citi stated `` Our records reflect on XX/XX/XXXX, you attempted to make a {$8400.00} transaction on your Citi / AAdvantage Executive credit card account. This transaction was subsequently declined as your available credit limit is {$5000.00}. '' I attempted to use my Citi / AAdvantage Executive credit card to purchase snacks at XXXX on XX/XX/XXXX, cloths at XXXX on XX/XX/XXXX and groceries at XXXX XXXX at XXXX XXXX on XX/XX/XXXX. These transactions were subsequently declined as there is an issue reading the card ( NOT as my available credit limit is {$5000.00} ). See attachment. 

I called AA for purchasing AA miles of {$8400.00} during the XXXX Sales on XXXX. They told me that I could use Citi / AAdvantage Executive credit card for payment of {$5000.00} and Citi Visa for payment of {$3400.00}. The transaction was subsequently declined due to an issue reading the card.
Product: Mortgage

II started with the program over a year and a half and in this time they have consistently given me the run around charged me for the membership as well as are tricking people to giving them good reviews on various social media and XXXX services to contribute to their reputation to receive funding for their program. In this past year and half they have collected my personal data info and allowed it to sit never moving forward on their promise to assist. They force you into thinking if you do not give them a good review they will not help you. they finally stated that I had to give them 5 different reviews all good because I was afraid they would not help and now they will not answer emails or calls never following up and will not help me in the process. They are a fraud of a NPO and receiving government funds this should be stopped. They informed me not to move forward with any home offers until they helped and never did for more than a year and half and now the prices are very difficult for me to purchase affordably. Below is a picture of what they sais the only condition was to move forward which I have proof I complied and now they will not even return an email or a call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to Trans Union on XX/XX/XXXX, asking them to correct errors on my credit report. They were supposed to investigate the errors and respond within 30 days.
Product: Debt collection

UNITED WHOLESALE MTG IS A DEBT COLLECTOR AND IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THIS ACCOUNT IS PAID IN FULL. I AM THE CREDITOR THAT GAVE XXXX XXXX. THIS IS MY 3RD ATTEMPT WRITING ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BUT GIVING YOU AN OPPORTUNITY TO REDACT.
Product: Debt collection

XXXXXXXX XXXX  called regarding a debt i may owe on a credit card. Two separate representatives refused to mail me any verification to confirm this debt is owed. Threatened to pursue lawsuit to collect.
Product: Checking or savings account

On or about XX/XX/XXXX I received a letter dated XX/XX/XXXX from Bank of America ( unsigned ) stating that beginning XX/XX/XXXX " the {$16.00} monthly fee for your Business Economy checking account will no longer be automatically waived. '' It then goes on to describe ways to avoid the automatic fee which involving keeping certain minimum amounts of money in the account. 

This constitutes both breach of contract and fraud at all times for the following reasons : 1 ) My business checking account was opened in XXXX, XXXX. When I opened said business account 25 years ago, there were no monthly fees ; my contract with Bank of America was for a no fee business account. Had there been fees then, or on the horizon, I never would have opened the account with them. 

2 ) The statement concerning the {$16.00} monthly fee no longer being waived is extremely misleading. It insinuates there was a fee that was waived, which in my case would have been for the past 25 years. In fact, this was a no monthly fee account at the time of its establishment. In that there was never a monthly fee charged, there was nothing to be waived. 

I met with XXXX XXXX XXXX at the Bank of America on XXXX XXXX XXXX at XXXX today, XX/XX/XXXX, in XXXX XXXX and asked that my account continue to be one of no monthly fees as contracted for in the first place. She stated that there was nothing she could do because she received a letter from Bank of America officials stating they now want to charge fees.
Product: Money transfer, virtual currency, or money service

I sold a product on XXXX, the buyer paid PayPal. The funds are in my PayPal account but PayPal will NOT transfer the funds to my XXXX checking account as they have done in the past. The amount is {$1600.00} due me. An error message keeps coming up, " sorry there is a problem ''. I have contacted PayPal several times and they have an excuse that the transfer is blocked. They recommended I contact the Consumer Protection Bureau for legal help. I am XXXX years old on a fixed income of {$800.00} a month and I need my funds. I guess what they are saying is that it is going to take legal action to get them to transfer my funds to my XXXX checking account. Their computers flagged it as fraud. MY FUNDS, from a legal XXXX Saale, transfer to PayPal, and their computer has blocked a transfer of MY FUNDS. Sounds like chicken XXXX excuse to me. MY FUNDS, MY XXXX checking account, how do I get MY FUNDS transferred. Unbelievable!!!! XXXX XXXX XXXX, XXXX XXXX
Product: Vehicle loan or lease

I 've recently pulled my credit report and noticed that there 's a collection from your agency on my report. I have never been notified of this collection. However, this does not imply that I refuse to pay the debt. Rather, I would like to dispute your claim. 

There 's two closed accounts listed on my report. One account was closed on XX/XX/XXXX and the other on XX/XX/XXXX. I 'm not aware of the information that 's being reported on my account. 

I recall getting a XXXX XXXX XXXX from you all, not long after that I was in a terrible XXXX XXXX that left my car totaled and me in the hospital ( the police report clearly indicated that this XXXX was caused by someone XXXX the XXXX XXXX, I should not be responsible for a XXXX loan. I spoke with my account manager and she agreed that I will not be responsible and that this will not appear on my report
Product: Debt collection

Upon reviewing my XXXX, XXXX  and XXXX  credit reports, I noticed a debt which has not been validated, reporting by a collection agency I am not familiar with. After further review and upon visiting the NC Department of Insurance website I realized not only is this not a company I'm familiar with, but they are illegally reporting me to the credit bureaus because they are not licensed to collect in the state of North Carolina.
Product: Checking or savings account

A fraudulent user opened a checking account in my name with Bank of America. I am not sure how this happened, and how Bank of America approved the account. Between XX/XX/XXXX and XX/XX/XXXX ( in the middle of the night ), I received legitimate accounts from Bank of America about an application for an account. Initially, the account was rejected due to missing information ( i.e. photo ID, credit card ). But then, I got another e-mail within an hour showing that the account was successfully created. I verified that the account was mine by visiting Bank of America 's website and calling their fraud department. They filed a claim and restricted the account. I have credit monitoring from multiple sources that also offer deep web leak information, and there was no indication that my SSN had been leaked anywhere. I also checked my credit reports for fraud, and found nothing. This indicates that nobody was able to get a credit card in my name. I believe that Bank of America allowed a fraudulent user to create an account on my behalf without conducting the proper personal verification. The only reason I became aware of the issue was because the fraudulent user left my personal e-mail on the account, so I was receiving e-mails through the morning showing what activity was occurring on the accounts.
Product: Student loan

I couldn't include my student loan in my bankruptcy. I have been making payments on the loan.
Product: Debt collection

The debt was deleted off my credit file and has been reinstated today showing on my file i have proven time again its not my debt my information was fraudulent used i have written, disputed, filed reports and notified the collector and credit bureaus. This item needs to be off my file and with new laws not reporting medical debt on those grounds it should not be on my report. This is violation to my rights.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXXXXXX XXXX XXXX {$4300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX {$33000.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below isn't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX
Product: Bank account or service

Dear Sir/ Madam, While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by Barclays XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report.Barclays has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This isa serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to viewmy credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized andfraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. in case it is needed to locate the fraudulent inquiry in their system. 
I then asked them to please send me written confirmation that they have complied with my requests and advised them that their failure tocomply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of their willful noncompliance [ 15U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney feesfor each and every fraudulent inquiry. 
Please do whatever is in your power to ensure that Barclays complies with my requests and to avoid other Consumers from