23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I entered into a lease with XXXX XXXX regarding a new vehicle. The terms of the lease were for 39 months. I paid the lease off completely and returned the vehicle to XXXX XXXX XXXX and XXXX Pennsylvania in XX/XX/XXXX. I talked to the sales XXXX at XXXX XXXX XXXX and told him that I was turning in a leased vehicle. He went out and he looked at the vehicle and said the vehicle was in excellent shape. I asked him if I needed paperwork to that affect. He stated that I did not need any paperwork and I was " good to go. '' The vehicle was in perfect condition when it was turned in and that was acknowledged by the dealership. Months later XXXX XXXX claimed the auto was damaged. I told XXXX financial that that was not the case, and the vehicles was turned in in perfect condition. It was at that time the XXXX XXXX try to get {$2600.00} from me. I told them that I did not any money and they would not give me any information regarding the " damages '' to the vehicle. 

In XX/XX/XXXX I attempted to get a line of credit for XXXX of my businesses and was turned down with my bank, XXXX XXXX Bank XXXX Pennsylvania, because of a poor credit rating. I obtained my credit report and it showed that XXXX XXXX charged off my account in XX/XX/XXXX. 

I sent dispute letters to all XXXX credit reporting agencies and experience we returned back that the company reported information was accurate. XXXX did no further investigation and did not receive any information or my side of the story. The other XXXX reporting agencies never responded. 

I obtained my credit report from Experian and it shows the charge-off of XX/XX/XXXX. I attempted to call XXXX XXXX XXXX to find out information regarding this charge-off and I was told that they do not give out invoices and they will not submit any information regarding why they charged off this vehicle, considering that the vehicle was completely paid as per the terms.I contacted XXXX Motors this week and received a letter regarding this account and was advised that I owe {$2600.00}. XXXX XXXX XXXX financial would not give me a detailed itemized list of these charges. This vehicle was in perfect condition when I turned this vehicle into XXXX XXXX XXXX. In addition there was no litigation ever filed against me from XXXX XXXX financial for the {$2600.00}. 

The XXXX credit bureaus did not do their due diligence to actually truly investigate this claim made by XXXX XXXX financial. At no time was I given the opportunity to explain my side to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA XXXX XXXX you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX  XXXX Balance : XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute to Transunion. I am an authorized user on my wife 's XXXX XXXX, I believed there was an incorrect late payment reported and asked to have reviewed. Transunion never did an investigation they just removed the account from my credit file. I reached out to Transunion and was advised that XXXX removed it and would have to add it back, I called XXXX who verified there was no request of investigation ever sent to them. I spoke again with Transunion who declined to add the tradeline back to my report. 

Transunion has no statement anywhere I can find regarding authorized user disputes and if you dispute an item they just remove the tradeline. My credit score dropped +35 pts due to this. I am currently in the middle of purchasing a home, the consequences are severe.
Product: Vehicle loan or lease

I have been paying on my XXXX XXXX XXXX for a while now, roughly a year possibly longer. I feel behind due to an unexpected death in the family, which lead to being evicted and homeless sleeping out of my vehicle trying to figure out how I can make money. I have been paying the car company every month trying to get caught up o my car payment, and I find it really unbelievable and so unfair they are now threatening to repo my vehicle if I dont pay {$350.00} by the end of the month which i unfortunately have rent due also and need to keep a roof over my childrens head. But how is it fair I pay CPS the company who bought my debt without consent, is threatening to come take something from me that I HAVE been paying on! down payment on? They didn't disclose my right to resend consumer credit transaction and they made me pay out of pocket for insurance. Which is supposed to be included in the finance charge. They also illegally charged me a down payment.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 or other personal consumer reports

Upon checking my credit reports I seen many inquiries that I did not authorize. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX, XXXX -XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX report dated XXXX, Chase is showing " reaffirmation of debt ( included in bankruptcy ). We do not have a bankruptcy. I contacted Chase XXXX ( Sp/w XXXX XXXX ) on XX/XX/XXXX after disputing this issue with XXXX  and the other bureaus ( XXXX and XXXX ). XXXX XXXX advised that she would have the issue resolved by sending a request to XXXX to have the inaccurate verbiage removed from our credit report and would send me a letter detailing the resolution. I received the faxed letter this morning and this issue is not resolved. The letter sent to me dated XXXX from Chase MTG says there is no foreclosure on my credit reports. We never discussed a foreclosure nor have we ever had a foreclosure! The letter goes on to say that they are requesting all 4 bureaus to update our account with reaffirmation of debt, which is incorrect. We do not have a bankruptcy! I hope that they do not make this request and cause the other two bureaus to report incorrect information. I have attached the letter for your review. 

After receiving this faxed letter, I immediately contacted Chase MTG and spoke with XXXX XXXX, I explained why I was calling and that we do not have a bankruptcy, but Chase MTG keep insisting on reporting incorrect and inaccurate information. XXXX XXXX agreed to resubmit another request to XXXX  requesting that the verbiage : reaffirmation of debt ( included in Bankruptcy ) be removed. 

I am not confident that this situation will be resolved immediately, so I am reaching out to you for assistance with Chase MTG and XXXX.
Product: Credit card or prepaid card

This company suspended my account after I paid the balance in full and reported to the credit bureau that they closed the account but sent me a letter stating that they would reopen it in a few months. This has adversely affect my credit and the company does not wish to negotiate with me to make this right. Once the few months are they will report this as open meanwhile my credit rating will continue to decline! It is unfair practices used to force someone to do what the company wants.
Product: Mortgage

I emailed LoanCare to confirm that if I made a one-time principal payment so that the principal value of my loan reached 80 % of the original value of the property securing the loan, and the appraisal showed the value of my home had not gone down, I would be able to cancel my PMI.
Instead, LoanCare sent me a letter setting forth additional conditions that I would have to meet to remove my PMI, conditions that I do not believe are permitted under the Homeowner 's Protection Act, including that I would have to wait at least two years to terminate my PMI ( See Attachment A ). Then I called customer service to talk about whether or not I would have to wait two years until LoanCare would let me terminate my PMI. I spoke with Customer Service Manager XXXX XXXX, who told me that there was a two-year " seasoning condition '' on my loan, such that I could not cancel my PMI for two years. ( See Attachment B ) ( email from XXXX XXXX directing me to website with information about two year seasoning condition ). I do not believe that " seasoning conditions '' are permitted by the Homeowner 's Protection Act. ( See Attachment C at page 6 ) I am now thoroughly confused and no one on LoanCare 's customer service team has responded to my repeated requests for clarity.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern on XX/XX/2023 I wrote to the credit bureaus asking them to conduct a verification of an account that is being reported on the credit report for ( XXXXXXXX  ). The account name is : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX  and XXXX conducted research and determined that the account was not valid and after investigation removed the account from my report. I myself conducted an investigation and also found the account to be invalid. XXXX did respond back to me stating the account would not be removed from my report after their investigation. 

In accordance to the Fair credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 USC 1681 section 602 A. States I have a right to privacy 15 USC 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card

I opened a Chase Amazon Rewards credit card a year or so ago, and I 've been wanting to close it. I 've had difficulties using the Chase site, which resulted in a few late fees, but that is n't the problem. The problem is that the card is XXXX paid off, no pending payments or transactions, and that there is no way I can find on their site to close the account, which I no longer need. When I called the XXXX number, I just had someone ( probably a recorded message, because it sounded the same each time I called ) that says " Hello '' and just hangs up. While I 'm no longer accruing interest on this card because there is no balance, I just do n't want it anymore and I 've searched the site everywhere for a place to close the card or information about it and I have had no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to apply for credit and I noticed that I have damages on my report. According to the 15 U.S.C1681 law, there should not be any damages to my report. This is a deformation to my character.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds I believe these practices are unfair and request an investigation into my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan was closed due to my XXXX XXXX   XXXX from the Veterans Administration. I was forced to take all three credit bureaus to court. TransUnion is still reporting incorrectly. I am being reported as a XXXX status showing collateral debt, which is incorrect. There is no collateral ever used. I have contacted both the XXXX XXXX XXXX and Transunion to correct. The XXXX XXXX XXXX states that it is Transunion reporting incorrectly. My attorney has advised me to submit here to start the `` Trail of paperwork '' to show attempts to correct.
Product: Credit card or prepaid card

I am writing to inform you about a dispute involving a banking institution that requires your assistance. I seek your guidance and intervention in resolving the matter expeditiously. On XX/XX/2023, I had an unfortunate experience with Chase Bank, which has prompted me to bring this issue to your attention. The incident in question pertains to unauthorized charges on my account after payment was rendered in cash to a business. I provided proof to Chase bank that this transaction was paid in cash, and my debit card should have not been charged double. This situation has caused significant inconvenience and financial hardship, compelling me to seek a resolution through your esteemed organization. Despite my repeated attempts to address this matter directly with the bank, I have not received a satisfactory response or a timely resolution. I firmly believe that my concerns have not been adequately acknowledged nor diligently investigated by Chase Bank. Therefore, I kindly request your intervention to ensure a fair and impartial review of the situation. To provide you with a comprehensive understanding of the issue, I have enclosed the necessary supporting documentation, including copies of relevant bank statements, communication records, and any other pertinent documents that will aid in a thorough examination. I trust this information will assist in a prompt and fair assessment of the matter. Given the circumstances, I kindly request your immediate attention to this dispute. I sincerely hope that your intervention will facilitate a fair and just resolution for all parties involved. I have confidence in the abilities and expertise of the Consumer Financial Protection Bureau ( CFPB ) in handling such issues, and I believe your intervention will restore trust and rectify the situation appropriately. Thank you for your time and consideration. Yours sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I'm complaining because my account was closed at random a couple of weeks ago. I was shocked by this and reached out to support, but I got XXXX answers as to why this happened. I was repeatedly told that I violated the TOS, but I never got an explanation as to what I violated.
Product: Credit reporting or other personal consumer reports

XXXX, Experian XXXX & XXXX are reporting late payments on the account listed as XXXX XXXX  Account # XXXX these late payments are affecting my credit score and they have not been validated as accurate and credit card payments can not be treated as late payments. XXXX is reporting late payments XX/XX/XXXX and XX/XX/XXXX. Experian lists late payments XX/XX/XXXX and XX/XX/XXXX. XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX these payments do not match up so this account has not been validated. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Bank account or service

I received an off from Citibank in XX/XX/XXXX ( offer XXXX ) that offered XXXX AA miles if I opened a Citigold bank account and met certain spending criteria which I met. I received a message in XX/XX/XXXX from XXXX XXXX confirming that I met all of the criteria and that the XXXX miles would be credited in XX/XX/XXXX. That never occurred. When I sent a message today, XXXX XXXX responded that, despite her prior email, I was not targeted for the promotion and would receive the XXXX miles even after confirming that I would receive them. The fact is that I did receive an offer being a Citibank credit card holder. I fell that this is a bait and switch scam and in bad faith. Please investigate this fraudulent offer and help with a resolution. Thank you.
Product: Credit card

Based on. 
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resul from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL sublat to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN I XXXX XXXX, ION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY
Product: Mortgage

Since we are requesting modification which caused me to fall behind on my mortgage payments I would like to be considered for a loan modification to decrease my payments fix my interest rate at a lower rate or increase the loan term and recapitalize or forgive the delinquent payments our loan transfer from XXXX after XXXX time package we submitted to lender than we are start submitted new modification XXXX times with new lender Select portfolio servicing and we never got any help or modificationIn order to get me caught up and prevent future delinquency My main goal is to keep my home for the long term we hit hard times recently and fell behind on our payments because bad loan term bad rate and financially hardship Since that time, we work hard and hardship is over and we improving every months My income is now improving we need help to modify my loan to keep family home
Product: Credit card

On XX/XX/23 I received and Credit Inquiry from XXXX XXXX. A lender had reviewed my credit and an alert showed it to be for someone trying to open a credit card at Wells Fargo in my name. No amount has been taken as of yet, but it seems a card has been opened or at least attempted to be opened in my name.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, at around XXXX XXXX, I was going through my bank of America app on  my phone and noticed my checking balance seemed to be missing funds. While I went through my transactions I noticed 2 transactions one on XX/XX/XXXX at XXXX XXXX  for {$1000.00} and another one on XX/XX/XXXX at around XXXX XXXX  for {$1000.00}. Both transactions were via XXXX XXXX  saying I sent somebody that money. I tried to contact XXXX XXXX, but they had no number, and, I could not find a XXXX XXXX email. I quickly notified my bank ( Bank of America ) and put the dispute in. Usually when I have transactions like this my bank n notifies me and makes me verify these transactions. However, I was never asked about these transactions until I saw them. They told this can take up to 90 days. I only have about 1,000 dollars remaining and I have bills and rent that I need to pay. I just want my money back which is rightfully owed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX and XXXX all have different information on these accounts even though they are paid in full i advised them with certified letter 3 times all three times the answer came back verified not sure how it can be verified if the three bureaus different info and also all three say account is not in dispute when clearly they are and they say it is not in dispute when i have letters and emails showing they are
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and did not make these charges. I would like to ask that the items be removed from my credit report profile. 
I reported the information of identity theft to the Federal Trade Commission and I have also provide copies of the Federal Trade Commissions Identity Theft Affidavit. Please remove these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

A lot of unknown inquiries I was not aware of and companies just running it without permission and its wrong to do. Unauthorized use of my credit that resulted in inquiries that I was unaware of.
Product: Credit reporting or other personal consumer reports

Dear FTC, Subject : Report of Unauthorized Hard Inquiries on Credit Reports I am writing to file a formal complaint regarding unauthorized hard inquiries on my credit reports, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). The unauthorized inquiries are as follows : Name Requested On Reporting Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian I believe these inquiries have been made without my authorization and are adversely affecting my credit report. I request your assistance in investigating this matter and taking appropriate actions to address this violation. 
Thank you for your attention to this matter.
Product: Debt collection

On XX/XX/XXXX Wakefield and Associates put a collection account on my credit report acct # XXXX. I have received no prior notice or information from them regarding this account would be reported negatively.. I was on a payment plan of {$50.00} a month for a medical bill from XXXX XXXX, which I was paying, They have no right to put a negative item on my credit report.