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

The vehicle was inspected XX/XX/2018 and the tires were approved under New York State standards with only XXXX miles on the vehicle and tires. 

The following month, the vehicle was turned in to the XXXX XXXX XXXX for lease termination with still less than XXXX miles and a new XXXX was leased. Initially the end of lease inspection was cancelled as the vehicle was immaculate at turn in per the salesman. The dealership was going to buy it which eliminates a need for inspection. The dealership then decided not to purchase and the subsequent inspection was completed. The inspector deemed the tires as worn and a scuff on the rim equally {$720.00}. 

I feel that this is inaccurate and I feel the {$720.00} should be removed from my lease end invoice and responsibility. 

I have uploaded the invoice showing NYS inspection was completed without issue except for a bulb which I replaced.
Product: Checking or savings account

I had XXXX unauthorized transactions on my debit card at Chase Bank which is attached to my checking account on XX/XX/2023 of 4 transactions of {$43.00} and one transaction of {$33.00} for a total of {$200.00} to XXXX  These transactions were reported immediately that day, which was a Sunday and holiday weekend ; and a claim was created. I received a temporary credit of the total ; however, on XX/XX/2023 I was notified that the claims department determined that I had authorized the 5 transactions. Chase Bank removed {$200.00} from my checking account on XX/XX/2023 and had closed the claim. 

On XX/XX/2023 I requested a letter from Chase Bank stating how they came to the conclusion that I had authorized the 5 fraudulent transactions. I was told the letter can only be mailed, not emailed or place in documents online. I was told it would take 7-10 days to be received. 

As of XX/XX/2023 I have not received that letter. I do not believe that letter exists. 

A police report was filed on XX/XX/2023. 

A branch representative was able to receive from the claims department a XXXX  invoice and an arbitration form for only one transaction.

The Billing Address does not have my name correctly from my debit card and the address does not match my address on my account with Chase Bank. This also makes the shipping address incorrect also. 

I am disputing the billing information does not match my debit card information and account and Chase has no authority in approval of these 5 transactions in the first place.

I want {$200.00} to be immediately replaced back into my checking account.
Product: Debt collection

In XX/XX/2015, I received a XXXX from XXXX in XXXX, CA and was admitted to XXXX in XXXX for treatment for XXXX and XXXX. XXXX transported me to XXXX from XXXX for a XXXX. After the XXXX, XXXX had XXXX take me XXXX block to the clinic to see XXXX. They charged {$500.00}. I never got a bill from XXXX. Months later a neighbor gave me the bill from the collection company. They had the wrong address. Therefore, XXXX must have sent the bill to this address also. Now {$40.00} a month is being added to the bill. 
I followed up with XXXX and they have not gotten back to me. 
My insurance will not pay because they said they took me to a routine appointment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter to XXXX to dispute inaccuracies on my credit report. I have yet to get a response from them. I just got my report that i decided to order and I think its wrong! I was told I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate information. Every step must taken to be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( reporting incorrect balance ) I respectfully ask you guys to provide some kind of proof of these alleged items, specifically the contract, note, or other instrument bearing my signature. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
I also heard that under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/17 I spoke with banker trying to refinance loans and cars. The credit from Trans Union did not reflect the same with XXXX XXXX XXXX. From the Lender side my score was XXXX From Trans Union it was XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 

XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX  For the second time now a Screening agency has gotten a hold of a shielded court Landlord case. It was shielded a few years ago and there is NO reason it should still be reported to the screening agencies. ESPECIALLY since it's been disputed previously and SHOULD have been reported. Why would I get it shielded for it to still show on reports? This has got to be illegal at some point and going directly against MD COURT ORDER.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

Please delete the following accounts. XXXX XXXX XXXX XXXX Acct # XXXX bal. {$730.00}
Product: Mortgage

We believe that our loan servicer ( SPS ) is not following MHA guidelines in connection with their review of our Request for Mortgage Assistance. According to MHA Handbook XXXX XXXX, Section XXXX an Acknowledgement and Incomplete Information Notice " must include a specific date. '' They gave us a date of XXXX XXXX to send in a complete information package. They ignored the XXXX XXXX date and sent us a letter dated XXXX XXXX saying the had received a complete package. How could they say they had a complete package when we had not sent one?????? 
Our other even greater concern is that we believe that we qualify for HAMP and SPS does not acknowledge that we made a HAMP request in any of the letters regarding our loan application review that they have sent to us. We contacted MHA XXXX and they said that loan servicer should first consider HAMP before any other loss mitigation options. Below is a list of HAMP eligibility criteria : ( 1 ) Delinquent on mortgage ( 5 months behind ), ( 2 ) Obtained the mortgage before XX/XX/XXXX XX/XX/XXXX ), XXXX 3 ) Our property has not been condemned, XXXX 4 ) Owe less than {$720000.00} ( {$370000.00} ) ( 5 ) We have not been convicted of any crime in connection with a mortgage or real estate transaction, and ( 5 ) We pass the Net Present Value Test,. We wish that SPS would finally acknowledge this and give us a HAMP loan. Why are they not telling us anything about HAMP when reviewing our applications? SPS did send us separate letters about assignment of an appointed of a HAMP relationship manager. The last time I talked to one of the HAMP relationship managers they wanted us to pay our delinquency or agree to a short sale or deed in lieu of foreclosure. They also said that we could not request a HAMP. I do n't understand that. They have never given us a HAMP so why should we not be able to apply. But these conversations cause me a great deal of stress, and do not wish to talk to any SPS person that has the same old story.
Product: Debt collection

I was called by Harris and Harris regarding a medical bill. I was given specific medical information and was threatened by the associate that they had all of my personal information including my social, date of birth, employer information, insurance information and address. I asked them to cease communication and contact me via written correspondence only. The agent tried to intimidate me over the phone. I have been sick over the last year and have several bills that have been paid, but this bill I have no invoice for. I have a very common name so I always want to verify, but this agent started by disclosing what the bill was for without verifying who i was or if she was speaking to the correct individual. I was floored when I asked to cease communication and she mumbled something under her breath and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have an installment loan that is appearing as a " Mortgage '' on my credit report on all three credit bureaus. I have a letter from the loan company that has stated that this loan is an " Installment Loan '' and should NOT be classified as a mortgage. The loan was to purchase a water softener that was {$5800.00} and the loan is only secured by the equipment that was financed and is NOT secured by my home. I have disputed this information with all three bureaus but they keep saying the information is correct even after I give them the letter from the company which is called " XXXX XXXX XXXX '' which states that this is NOT a mortgage account. The bureaus and the loan company both blame each other and nothing get 's done. Besides taking legal action I don't know what to do. 

As of XX/XX/19 I have disputed all my reports which resulted in no changes. As well as disputed this information directly with the loan company which they keep saying is the fault of the credit bureaus. I have documentation which proves this is not a mortgage and should NOT be classified as a mortgage account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please put this account back on, these were accidentally deleted. 
XXXX  XXXX XXXX  XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 
Hide Details | View your Report | View your credit score Deleted + 'icon ' Deleted After Before Close XXXX  XXXX XXXX  Account Name XXXX Account Number Credit card Account Type Individual Responsibility XX/XX/XXXX Date Opened Paid, Closed/Never late. 
Status Updated XX/XX/XXXX XXXX XXXX Monthly Payment {$300.00} Credit Limit {$370.00} Highest Balance NA Terms XX/XX/XXXX On Record Until - Balance Updated - - Recent Payment Amount PAYMENT HISTORY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 Essentially, I applied for a loan through XXXX XXXX at XXXX of XXXX XXXX and was declined. I acknowledge and fully understand I authorized this hard inquiry. What I did not authorize and what is not okay with me is that in order to try to get me approved my information was used to apply for a loan elsewhere without my authorization. These banks include : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX ( XXXX XXXX texas XXXX ), and XXXX XXXX  lndirect ( XXXX AL XXXX ). 

I have recently wrote to XXXX only, however, I have yet to even be acknowledged. 
I don't want these hard inquiries on my credit score, and be at risk or having anymore effect on my credit score.

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed hackers to gain access to all my financial and social security number information. As the Consumer Protectors, I call upon you to help the 130 million plus Americans who are vulnerable. Can you please let me kn ow what you are doing? When I phoned in, your operator just hung up on me. That has never happened in a call to the government or my representatives before. To say the least, I was shocked by your disregard of ma question from the public you are supposed to serve. Will you answer this or ignore it as well?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX **Subject : ** Unauthorized Inquiries on My Credit Report Dear Equifax Team , I hope this letter finds you well. Upon reviewing my credit report, I have identified several unauthorized inquiries that I wish to address : 1. XXXX XXXX XXXX - Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Requested On : XX/XX/2023 - Inquiry Type : Individual 2. XXXX  - Location : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Requested On : XX/XX/2023, XX/XX/2023 - Phone : ( XXXX ) XXXX - Inquiry Type : Individual 3. XXXX XXXX XXXX - Location : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX - Requested On : XX/XX/XXXX XXXXXX/XX/2023 - Phone : ( XXXX ) XXXX - Inquiry Type : Individual 4. XXXX XXXX  - Location : XXXXXXXX XXXX XXXXXXXX, XXXXXXXXXXXX XXXX XXXXXXXX - Requested On : XX/XX/2023, XX/XX/2023 - Phone : ( XXXX ) XXXX - Inquiry Type : Individual I wish to clarify that I did not authorize these inquiries and have no association or dealings with the referenced entities. According to the Fair Credit Reporting Act ( FCRA ), credit reports should only be accessed for valid purposes, such as credit evaluations, employment verifications, and other lawful business endeavors. I am concerned that these inquiries do not meet the criteria for permissible purposes under the FCRA. 

I respectfully request that Equifax conduct a thorough investigation into these unauthorized inquiries. Should it be determined that these inquiries were not authorized or lacked a permissible reason, I request their immediate removal from my credit report to maintain its accuracy. 

I trust in Equifax 's commitment to ensuring the integrity of credit information and look forward to a prompt resolution. Please keep me informed of your findings and any actions taken. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX open account. With out the letter of approval from my XXXX  XXXX Trustee office. And XXXX XXXX  same problem. I will be having the cfbp sending this to all legal departments and the credit card company and there legal departments
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a copy of the Consumer Financial Protection Bureau order of XX/XX/2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the XX/XX/2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on XXXX, Equifax and XXXX XXXX respectfully. Since the XX/XX/2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs  a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I have two mortgages with XXXX XXXX XXXX XXXX XXXX Bank, headquartered in Massachusetts. Approximately 16 months ago, following confirmation of a Chapter XXXX, plan, we agreed with the bank for monthly loan repayments of {$12000.00}. Since that time no monthly payments have been missed. Yet, the bank has reported to the credit bureaus delinquencies of 30 to 60 days. Of course, this has reduced our credit scores significantly. And made it impossible to get a new credit card or an auto loan.
Product: Credit card or prepaid card

I have mailed a dispute letter with supporting documentation twice regarding a couple of charges from XXXX on my Goldman Sachs XXXX XXXX. The first mailing was with no tracking number, however, I sent the 2nd submission as USPS Priority Mail, tracking : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX See attachments for docs...