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

On XX/XX/year>, my vehicle was in a no fault accident -- the car went off the road in a snow storm. It was deemed a total loss on or about XX/XX/year>. On XX/XX/year>, Chrysler Capital requested a copy of the paper title of the electronic title from the State of Maryland. To date, that title has not been produced. Chrysler Capital will not issue a Letter of Guarantee to the insurer until it receives a paper title. As of today, Chrysler Capital had no update from its third-party vendor ( XXXX ) as to the status of the title or when it would be issued. In the interim, we are still charged, and have paid out of pocket {$280.00} per month as a lease payment, so that an adverse entry is not made on my credit report. Chrysler has assured us that those funds will be repaid once the paper title is received and the letter of guarantee issues, but would not provide any estimate of when that would happen or how long we would have to continue to make lease payments on the vehicle. Nor would Chrysler provide any information about steps we could take to address the situation with the State of Maryland. At the same time, because the vehicle was a total loss, I have to finance another vehicle. I am essentially financing two vehicles instead of one as the result of a no fault accident. Customers who enter into lease agreements with Chrysler Capital should be aware that the company will not aggressively take steps to close out the lease in the event of collision or accident, and consider this fact when doing business with them as a vehicle lessor.
Product: Checking or savings account

I am submitting complaint in regards to multiple overdraft fees from Navy Federal Credit Union. I was charged fees due to timeliness posts of credits and charges. I believe these practices are deceptive and unfair and would like a thorough investigation done on my account
Product: Checking or savings account

I spent an hour on the telephone with E-trade/Morgan Stanley trying to make XXXX wire transfer.I was told that it would be there within an hour. I just got an email from them telling me that due to suspicious activity they were locking me out of my accounts. I told them that I will just close my account and move my money to my local bank ( XXXX XXXX XXXX  ). I tried to transfer my money from both my savings and checking account. There is no option to transfer my money out, only transfer more money into Morgan Stanley. I had previously transferred money out of Morgan Stanley but now they won't let me have my money anymore. I spoke with their customer service representative. Basicly, they said too bad. I want them to unlock my account and put my money back in XXXX XXXX XXXX  bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, Account Name : XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX  XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX Account Number : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX Account Number : XXXX XXXX, Account Name : XXXX XXXX  Account Number : XXXX XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX  XXXX Account Number : XXXX, Account Name : XXXXXXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

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
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 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 XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

Disputing a debt showing on my credit report by XXXX XXXX for the amount of XXXX and XXXX

 I submitted a dispute on XX/XX/2018 via here I sent both my social as well as I requested from the company to show proof that it was my debt the company is saying that they sent debt validation which is not true all they sent was a paper that says XXXX XXXX XXXX and XXXX XXXX XXXX via here.

 Just sending a paper that shows someone's name similar to mine does not make it my debt no idea who either of those two people are and why is there a debt that is been said that is mine when is not.

No history of payments or written contract has been sent showing and reflecting that both of the debts are mine.

This is affecting my credit worthiness and my ability to obtain credit  I need both of this debts to be removed from the credit bureaus as well as  for this debt to be taken out of my name never had the accounts that it continues to say that I had.
Product: Student loan

I have multiple student loans with navient, but only 2 of them are showing a negative report on my credit. In XXXX & XXXX of XXXX it is showing no payment has been made, I reached out to the company to inform them that during this time ( also plenty months before and after this time ) my accounts had been in forbearance but I never did receive an official response after numerous attempts to correct the issue. I need these negative items to be removed from my report because they are hurting my payment history and score.
Product: Debt collection

They just called my husband out of the blue. Saying he owed the debt collection agency XXXX. For a supposed debt made in XXXX, Arkansas in XX/XX/XXXX-XX/XX/XXXX. We do n't even know what it could be at all. We think they scammed us but are not sure. They told us we had to pay half or else we would have to go to court. My husband paid them XXXX. We want our money back if it is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have some fraudulent items on my credit report that do not belong to me and I do not recognize, nor did I authorize them. Can you please delete and block the following information on my credit report. XXXX, Equifax and XXXX refuse to follow the rules set out by the FCRA and the CFPB. If they would investigate the accounts that are reporting on my credit they will that they don't belong to me
Product: Consumer Loan

Home equity line was modified. Regular payments went delinquent. Bank 's credit card division lowered my credit and credit score. 
I made the lower modified payments, yet I had negative reports to the credit bureau lowering my credit score. 
Now I have to wait until the Bank updates its Home Equity Line of Credit statements before I can contact the credit bureaus to correct this.
Product: Credit reporting or other personal consumer reports

Equifax has failed to properly address unauthorized credit inquiries on my credit report. Despite following the appropriate steps to dispute these inquiries, Equifax has failed to take necessary action, provide adequate responses, or remove the unauthorized inquiries from my credit report. 

To dispute these inquiries I disputed online multiple times, I called into their fraud department, and sent all information via certified mail which they stated would be the way to get them removed. Equifax then failed to return the signed receipt confirming they received it. This also raises concerns about whether my documentation was even reviewed or investigated. Within that certified mail was : An FTC Identity Theft Report, A copy of my Social Security card, A copy of my government-issued identification, Proof of my address ( a utility bill ). 

Equifax failed to conduct a thorough investigation into my dispute. I did not receive a clear explanation or a " method of verification '' regarding the inquiries, as required by the Fair Credit Reporting Act ( FCRA ). The unauthorized inquiries remain on my credit report, negatively impacting my credit.
Product: Credit card or prepaid card

I received my statement from " First National Bank of Omaha '' for my " XXXX '' credit card stating my balance was {$4700.00}, and the payment was due by XX/XX/XXXX. I used my bank payment systems that delivered the payment in full of {$4700.00} on XX/XX/XXXX, and FNBO credit my account for the payment on XX/XX/XXXX. ( 1 week before the due date ) I then received a statement for XXXX stating I still owed {$46.00} for interest from XX/XX/XXXX to be paid by XX/XX/XXXX. I didn't have a balance on XX/XX/XXXX. I called FNBO customer care, and they stated this was interest backdated 30 days from the balance due date. I told them I believe that is illegal, and I paid off the balance of the statement by the due date, and their response was " that's the way it goes '' ... 

I have each statement I can forward if you would like them. 

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

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed {$0.00} XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX Owed {$0.00} XXXX XXXXXXXX XXXX Balance Owed {$0.00} XXXX XXXX XXXX  Balance Owed {$0.00} XXXX XXXXXXXX XXXX XXXX Owed {$55.00} XXXX XXXX XXXX XXXX Owed {$1200.00} XXXX XXXX XXXX Balance Owed {$2400.00} XXXX XXXX Balance Owed {$6300.00} XXXX XXXX XXXX XXXX Owed {$120.00} XXXX  XXXX XXXX Balance Owed {$0.00} XXXX XXXX XXXX XXXX Owed {$140.00} XXXX  XXXX XXXX XXXX Owed {$260.00} XXXX XXXX XXXX XXXX Owed {$19000.00} XXXX XXXX XXXX XXXX Owed {$450.00} XXXX XXXX XXXX XXXX Owed {$0.00} XXXX  XXXX XXXX Balance Owed {$0.00} XXXX XXXXXXXX XXXX XXXX Owed {$73.00} XXXX  XXXX XXXX XXXX Owed {$300.00} XXXX  XXXX XXXX Balance Owed {$170.00} XXXX XXXX XXXX XXXX Owed {$84.00} XXXX  XXXX XXXX XXXX Owed {$61.00} XXXX XXXXXXXX XXXX XXXX Owed {$84.00} XXXX  XXXX XXXX Balance Owed {$100.00} XXXX XXXXXXXX XXXX XXXX Owed {$180.00} XXXX XXXXXXXX XXXX XXXX Owed {$230.00} XXXX XXXXXXXX XXXX Balance Owed {$230.00} XXXX XXXXXXXX XXXX XXXX Owed {$250.00} XXXX XXXXXXXX XXXX XXXX Owed {$0.00} XXXX XXXXXXXX XXXX XXXX Owed {$69.00} XXXX XXXXXXXX XXXX XXXX Owed {$240.00} XXXX XXXXXXXX XXXX XXXX Owed {$79.00} XXXX  XXXX XXXX Balance Owed {$100.00} XXXX XXXXXXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX Owed {$270.00} AFFIRM XXXX XXXX Balance Owed {$530.00} XXXX XXXX XXXX XXXX Owed {$130.00} XXXX XXXX XXXX XXXX Owed {$83.00} XXXX XXXX XXXX Balance Owed {$160.00} XXXX XXXXXXXX XXXX Balance Owed {$150.00} XXXX XXXX XXXX XXXX Owed {$170.00} XXXX XXXXXXXX XXXX XXXX Owed {$34000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed {$630.00} XXXX XXXX XXXX XXXX XXXX Owed {$3600.00} XXXX XXXXXXXX XXXX XXXX Owed {$12000.00} XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Balance Owed {$12000.00} XXXX XXXXXXXX XXXX XXXX Owed {$19000.00} XXXX  XXXX XXXX Balance Owed {$0.00} XXXX XXXXXXXX XXXX XXXX Owed {$34000.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed {$630.00} XXXX XXXX XXXX XXXX XXXX Owed {$3600.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX Owed {$3600.00} XXXX  XXXX XXXX XXXX {$12000.00} XXXX XXXX  XXXX Balance Owed {$170.00} XXXX  XXXX Balance Owed {$630.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Flood in XXXX 2017. Insurance awarded XXXX towards project. Dovenmuehle would only release 1/3 of funds until 50 % completion. No contractor would agree to this. We used our own funds to complete the project. Project was done on XX/XX/XXXX. Upon 100 % we passed an inspection that took 1 week to schedule. On the XX/XX/XXXX we asked for fund to be overnighted so the contractors could be paid in time for XXXX. Five calls were not returned. They claimed if I needed it sent overnight I should have sent an envelope for that. However they never called to inform me of this. They sent the check with no tracking through the postal service on the XXXX. I have a contractor threatening to sue me as he can not provide XXXX to his family and will have waited over 3 weeks for his payment. Dovenmuehle takes 0 responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I notified XXXX XXXX XXXX XXXX of inaccurate information of bankruptcy on my credit report. XXXX claims information is pulled from transunion and duplicated into their internal member credit reporting account portal. The XXXX portal provided a bankruptcy filing date of XX/XX/2022 with a status of being XXXX as XX/XX/2022. O notified XXXX that this information was inaccurate and obviously impossible understanding the legal time frame for bankruptcy court proceedings. In addition, I requested an administrative review in order to assess if such was a technical error that could be fixed electronically. XXXX maintained I should dispute the information with TransUnion directly. I continue TransUnion later the same day XX/XX/2022. TransUnion advised to directly dispute this information with XXXX. 
I applied for a personal loan on XX/XX/2022 with XXXX which was denied as a result of derogatory, inaccurate reporting. This misinformation has caused a adverse impact on my daily living capacity and caused further harm to credit profile
Product: Credit card

American Express advertises " Earn a {$100.00} statement credit after you make a Delta Purchase with your new card within the first three months ''. I called both Delta and AmEx and verified the validity of the merchant, " XXXX '' and made a qualifying purchase. Now, AmEx Rep XXXX XXXX XXXX says the purchase is invalid. I say this is a bait and switch.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX  on XX/XX/22 and I found out that 3 Credit Bureaus still indicate my dispute of information in my credit report. As of todays date, they have not responded to my dispute. According to the Fair Credit Reporting Act, 3 credit bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed accounts which I believe was reported in error. XXXX XXXX XXXX XXXX Balance : {$420000.00} ; XXXX XXXX XXXX Balance : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I disputed the account number XXXXXXXX XXXX XXXX XXXX. This account is reporting inaccurate information and it has had a negative impact on my credit. I have not received any validation of this debt whatsoever. All other bureaus have deleted the inaccurate information and updated my report. However TransUnion has not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Dispute Was File Immediately After Seeing XXXX XXXX XXXX XXXX XXXX XXXX 30 Day Mark For XX/XX/2022. After Filing Dispute All Credit Bureau Updating Improper 30 Day Marking For XXXX, XXXX & XXXX. The 28 Day Months/Short Months It Seem Were Updated To Reflect 30 Day Marking.
Product: Mortgage

From the time of application our closing date was always XX/XX/2020. Our closing was delayed 21 days due to not only processing delays but also caused by the COVID 19 pandemic, which slowed down the SS Administration and we were forced to stay in a motel for the entire time, costing us {$2100.00}. In addition, we had 2 ( two ) 26 ft XXXX trucks and a trailer which cost us {$3500.00}. 

When the appraiser went out initially and was at the property, he got a call and was told it was cancelled ( this is per the listing agent ), then the appraisal had to be reordered, which caused even more delay. There was a condition for a judgement to be paid prior to closing that our realtor asked from the time the conditions were received if it could be paid at closing as it would need to be paid from the proceeds of the sale of our home. They did not respond until the day before closing and had to get an exception to get this moved to an at closing condition. 

We were never contacted by the loan processor until the very end and tried to go through the Customer Service area to request reimbursement for above expenses totaling {$5600.00}. We feel BBVA should reimburse us 100 % to make us whole for this horrible experience. 

We submitted the receipts to the BBVA Customer Service Experience area. We were contacted by XXXX XXXX was told that the appraisal being cancelled was our fault, which caused the delay. We did not cancel the appraisal and feel they should have to take responsibility for the lack of communication and processing delays, emotional and financial distress they brought on us during this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had eight inquiries removed from my credit Experian credit report and my score did not go up. Experian indicated that inquiries bring your score down therefore when they are removed your score should go up. Experian also said that if I pay a certain membership then they will work harder at my credit score. 

Also, boost is not available to me because Experian is not linked to my checking account. I have been paying all utility bills for years and I am not receiving the service of a boost in my credit score because Experian is not linked to my bank. I called them and gave them my bank information including all of the bills I pay that qualify for a boost and have gotten no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my identity was wrong fully used for fault attempting.
Product: Checking or savings account

Pnc will not bet let me like my XXXX account to apps which include apps to manage my stocks. This issue needs to be resolved it affects our financial lives.
Product: Credit card or prepaid card

I opened a dispute through Synchrony Bank on XX/XX/XXXX, They said it would take unto 60 days to contact Ashley Furniture store to investigate. After the time passed, on XX/XX/XXXX I see a balance due with no letter or notification from Synchrony bank. 

Synchrony has failed to mail or emailed a resolution letter of their investigation that I opened XX/XX/XXXX, XXXX synchrony has failed to do a thorough investigation. if a proper investigation was done synchrony would have realized that Ashley made a mistake, a typo and so they sent me the wrong item, Ashely sent to my HOME Item : XXXX INSTEAD of Item : XXXX. 
I DID NOT authorize or approved for item Item : XXXX to be sent to my home. Cant you not see the typo Ashely made??? On XX/XX/XXXX I filed a dispute with Synchrony bank. I told Synchrony that Ashley store furniture has failed to provide me with the item I had originally purchased. They delivered the wrong item,. I was told by synchrony it would take up to 60 days for a resolution. Since Ashely couldn't get together my order correctly I requested a cancellation of everything ( which was only 1 queen bed and they have failed to cancel. I should not be responsible for an item I didn't purchase or approved. .I went to store located in XXXX XXXX on XX/XX/XXXX. I purchased a bed on display, called XXXX XXXX XXXX XXXX XXXX bed Item : XXXX ( ( which included storage ) as seen on their display model. Instead ASHLEY SENT the WRONG item. I received XXXX XXXX XXXX XXXX XXXX : XXXX. not the Upholstered version. AS you can easily see ASHELY made a mistake, they made a typo on my order, they entered Item : XXXX INSTEAD of Item : XXXX Therefore, I? d like to request a proper reasonable instigation, on said dispute said transaction, I? m terribly dissatisfied with Synchrony handling my case. I should in no way be responsable or pay for item that I didnt order or approve or received. Briefly, I? d like for synchrony to please correct the error on my account promptly. Sincerely, XXXX XXXX
Product: Checking or savings account

I was charged over {$30.00} in fees by BBVA to use the ATM during the months of XX/XX/XXXX-XX/XX/XXXX. I called BBVA at the beginning of XX/XX/XXXX and they did credit my account the ATM fees. Then I kept being charged 18 fees for the month of XX/XX/XXXX, I called them and was told numerous times that a supervisor would correct the issue and return my call. I also sent multiple messages through online banking and have still not been able to resolve this issue. Because I have a clear connect checking account I should not have been charged fees for the ATM since they were in network.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am going over my credit report and i have tried to deal with this through eqiufax multiple times over the past year. Sending multiple letters and making mulitple phone calls. I never applied or gave anyone my authorization to run my credit profile. The following inquires were not made by me and was identity theft. XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX