23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Chrysler Financial placed a repossession on my credit report when in fact it was a dealership error. On XXXX/XXXX/XXXX I leased a XXXX Chrysler 300 ( Acct # XXXX ) from XXXX XXXX dealership in XXXX, XXXX. Upon the lease end date ( XXXX/XXXX/XXXX ) I spoke with the lease end department and was informed that since I made my first and last lease payment when I picked up the vehicle, I could just take it to any dealership at the turn end and owe nothing. On XXXX/XXXX/XXXX I dropped the vehicle off at XXXX ( see attached Chrysler Financial Inspection Report attached ) and returned home. On XXXX/XXXX/XXXX I received a call from a woman name XXXX that was in XXXX. XXXX stated she was from a repo company and was looking for the vehicle. I informed XXXX that I turned the vehicle in back in XX/XX/XXXX. XXXX stated it was not unusual for this to happen and she would call the dealership and give me a call back. XXXX immediately called me back and informed me that she had located the vehicle at XXXX 's and it had been sitting there for 5 months. Since then year after year, dispute after dispute, I have been unsuccessful in getting Chrysler ( Now doing business as TD Auto Finance ) to remove a charge-off/repossession from my credit. I have disputed this with as XXXX credit reporting agencies ( XXXX, XXXX, XXXX ) with included documents of proof, and each company refuses to remove the negative item from my report. I returned the vehicle, a few weeks late, but the it is not my fought that XXXX 's let the vehicle sit on that lot for 5 months and failed to notify Chrysler. Now I have suffered for that mistake and error. On top of that the reporting entries on my credit report are in error, misleading, and in consisted. For these reasons and others, I have ask the reporting agencies to remove the items and they refuse. I am requesting that Chrysler dba T.D. Auto Finance immediately remove any entry they made from my report. Also I request they be held responsible for sending notification of their error to each and every company that I have obtained or attempted to obtain credit from over the last 5 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these accounts and inquires.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX XXXX and Equifax data breaches. I have noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting another mortgage/home and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to dispute and request to investigate multiple times to all credit reporting agencies, Experian, XXXX and XXXX, and XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SD XXXX, three - ( 3 ) times, to have a report of 30 day late payment from XX/XX/XXXX removed from my record or to have their refusal to change this erroneous data explained. My payments are due on the XXXX of each month. In this instance a payment of {$230.00} was made and credited to my account on XX/XX/XXXX which satisfied the late amount owed in addition to a late fee ( which is correct and accepted ) and the new monthly amount for XX/XX/XXXX. This account was late 17 days in XX/XX/XXXX but was and has never been 30 days late. In XX/XX/XXXX the card itself was paid off in entirety, {$2800.00}. I have submitted all proof via statements, letters and bank drafts and XXXX has refused to remove the late payment or provide explanation as to why they still contend the information is correct. 

These disputes were conducted in XXXX, XXXX and XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiries on my credit report for the second time. Despite my previous correspondence and submission of the required documentation, including the FTC Identity Theft Report, these unauthorized inquiries remain on my credit file. Upon contacting the respective institutions, it was confirmed that these inquiries were made in error. Additionally, I have been assured that these inquiries would be promptly removed from my credit report. However, it has come to my attention that, unlike your bureau, both XXXX and XXXX no longer report these unauthorized inquiries subsequent to the submission of the FTC report. I am requesting an immediate reinvestigation of these unauthorized inquiries. This investigation must include a detailed review of the method of verification employed by your bureau to substantiate the continued reporting of these inquiries. If your bureau can not provide conclusive proof that these inquiries were authorized by me, they must be deleted from my credit report without delay. 

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

I am writing to complaint to JPMCB about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. 
As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Mortgage

I bought my home on or about XXXX and made regular monthly payments ontime for about 15+ and my mortgage was assigned to SPS Portfolio Servicing. 

Once my mortgage was assigned, my mortgage payments remained constant with on-time payments. 

In about XX/XX/XXXX, the mortgage company notified me that my insurance was unable to be paid because an erroneous address had appeared on my insurance binder page, the same insurance that had been in place for the duration of the loan. 

As a result of this, SPS began to charge me fees and added them to my escrow account. I argued and called on many occasions to explain that my insurance was correct and their address was in error. They ignored it and I frantically had to find an insurance coverage that matched an incorrect address. 

After being ignored and overcharged, I called again to explain that I believed I had been overcharged for no reason. As it turns out, they corrected their own error and did not refund my money. At the time I did not notice the fees had been deducted until I received an Escrow Disbursement History statement dated XX/XX/XXXX. I was charged in their statement {$410.00} for lender-placed insurance. 

My complaint today is not because I did not have insurance, it is because they simply refused to pay it and profited unjustly. 

The correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. It is the only XXXX XXXX XXXX . In XXXX XXXX GA, and I am the owner of it as it always has for the duration of the loan. 

I ask that you please investigate this matter and return this overpayment to me. 

The address of the home is XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked due to negligent security measures, and all of my personal information was stolen. I am now facing potential identity theft and all of my personal information could me made public on the internet, leaving my identity free to be stolen at any time for the rest of my life.
Product: Credit card

I contacted the co to ask to see what the charges were for ; again I called for the card was only used at XXXX. " These are not mine! '' After viewig the statemet, I asked for the interest + late fees be removed. They refused ; this more than CFPB allows, & a travesty to workers & elders, & military people.
Product: Mortgage

On XXXX XXXX XXXXXXXX I was advised by my mortgage company that my monthly payment would be increasing by {$650.00} per month due to escrow shortage. After researching my taxes and insurance which did increase but only increased {$1100.00} from the year of XXXX to XXXX. After contacting PNC and questioning the drastic increase, PNC stated that there has been a mistake and an inquiry would be opened. As of today 's date, I have made the additional {$650.00} monthly increase with no outcome on rectifying the mistake on PNC 's part. PNC has admitted on several occasions during recorded phone calls that a mistake has been made on their end and still no resolve has happened. An additional monthly increase this drastic has seriously impacted my home life and other utilities are having to be paid late due to the increase.
Product: Credit reporting or other personal consumer reports

Consumer portfolio reported 2 months late on my credit report when nobody could tell me or the joint applicant why. We talked to consumers two days before they reported it and nobody ever said theyre was a left over balance of XXXX on the account. And if the co applicant was paying on a payment plan why was that not applied to that balance and a new left over balance mentioned? Co applicant was already on a payment plan ( which they cant find ) because their representative XXXX didnt push through the documents to his supervisor ( which is also on recording ). When I called to asked about why all the times me and the co owner called no one mentioned this. I also asked if they had the monitored and recorded calls to prove if any representative ever mentioned anything about a left over balance and XXXX XXXX said she couldnt access them or find them. As I was voicing my statements about how unfair it is that Im taking a hit for their mistakes, them not communicating effectively and their employees not taking accountability or doing their job, I asked to be transferred to her supervisor XXXX XXXX. Spitefully I feel shes reporting inaccurate information on my credit report and every time Im transferred to the credit department they only send me to her extension purposely. You can tell she has involvement because in the photos you can see XXXX reported one month now its reported XXXX  months now. Thats wrong. In the attached documents you will see the payment history, whats being reported on my credit and a statement with a balance that does not match. The Co owner just paid again before his due date and doesnt owe until XXXX. Nobody is trying to admit or correct their mess up and thats unfair to me because my credit has decreased XXXX points because of it and a derogatory mark has been added to make matters worse. All the times Ive called Ive kept it very professional and courteous but this has gone too far and is stressful. I have a recording of the call.
Product: Vehicle loan or lease

A fraudulent loan was charged to my account at Navy Federal Credit Union.They have been badgering me to pay the loan and have taken funds from my savings and checking accounts.

I received an email from NCCU saying the loan check was on the way. I called the number on the email and said I never authorized it. The representative said she canceled the check and it would not be delivered. 
The loan is still charged to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been non-complaint in my request ( s ) for verification of an inaccuracy in their credit reporting, regarding an entry being reported under XXXX. 

This company violated federal law and also failed to provide me with a copy of any viable evidence, bearing my signature, showing the said account is being reported accurately. 

I have made several goodwill attempts to have them clear up this matter and they have failed to respond beyond an auto response which has left my request unanswered. 

I have requested that the company validate the reported information with XXXX   and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested with the company in a letter datedXX/XX/XXXX that this information be immediately deleted from the credit file they maintain under my Social Security number. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. 

I have maintained a careful record of my communications with them for the purpose of filing a lawsuit, they have also been reminded that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XX/XX/XXXX XXXX XXXX, XXXX XXXX, they will be liable for their willful non-compliance. 

The company was made aware that they had 30 days to complete the investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I kept careful record of their actions, including their Method of Verification. I also documented with the company at the beginning of the investigation that I did not consent to e-oscar or any means of automated verification. 

This company has violated federal law, by not properly investigating within the required timeframe. I have evidence of such, via certified mail receipts, and they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against them.
Product: Checking or savings account

I opened an account with Truist on XX/XX/2023. As the screenshot said, I had until XX/XX/2023 to fund the account or it would be closed. I updated my direct deposit from my job to be deposited over into this new Truist checking account. So I went in Friday into the mobile app on XX/XX/2023 to make sure it went over correctly. It got the notification from the mobile app that my account had been locked for security purposes and that I needed to call them. I called them, there was nothing they could do online and that I needed to go into a branch. So I went into the branch on XXXX XXXX XXXX in XXXX, SC. I spoke with a banker who looked into my account and said it was closed for no reason. She called another Fraud line within Truist who also said it was closed for no reason and that my paycheck shouldve been kicked back to my company. After speaking with my company, they said Truist accepted the funds and has not sent them back. So Truist is holding onto my funds illegally and Im missing money due their incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed CFPB Complaints # XXXX, XXXX, and XXXX last on XX/XX/XXXX but it seems that my complaint was closed upon checking it. I would like to resubmit a complaint to you today to remove unverifiable accounts, inaccurate personal information, and inquiry : XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX & XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$55.00} ; XXXX ; that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt.
Product: Student loan

I noticed multiple " late payments '' were reported to XXXX by University Accounting Service ( UAS ). The account history showed 30 days late in XX/XX/XXXX then 60 days late in XX/XX/XXXX. It was marked as paid in full XX/XX/XXXX. So they are essentially claiming I missed the final payment. My federal loans were paid off in XXXX as shown by my other installment accounts within my credit history. 

Upon attempting to contact the company for information they were unable to pull up any account under my name, SSN, nor phone number. At this point I contacted XXXX to dispute the claim. The dispute led to " updated '' account details that now showed late payments in XXXX and XXXX of XXXX. Paid off in XX/XX/XXXX. 

None of this makes sense as I've never dealt with this company and it appears they are targeting me without reason nor information. I contacted them again to hear they still could not lookup my account.
Product: Mortgage

On XX/XX/year>, a {$3200.00} ACH withdrawal was made from my checking account without my authorization. The payment was made to Lakeview Loan Servicing. 

On XX/XX/year>, I contacted the company and spoke with XXXX in the escalations department. I was informed that on XX/XX/XXXX, an agentidentified only by the initials XXXXmistakenly initiated this payment while working on the wrong account and/or without proper authorization. 

I never consented to this transaction, nor did I authorize any payments to be withdrawn from my account for this purpose. 

I am requesting a full refund of the unauthorized {$3200.00} withdrawal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information concerning TransUnion. I have previously complained of TransUnion 's illegal conduct under ID # s XXXX ; and XXXX. This is my XXXX attempt to get TransUnion to publish my consumer report in accordance with federal laws. TransUnion has failed to conduct their required investigation in accordance with federal laws; failed to provide the details of their alleged investigation relating to items published on my consumer report; failed to delete items in accordance with my written instructions as the consumer ; and continues to publish my personal information to third parties outside the scope of my consent thereby violating my privacy rights. TransUnion is in violation of my rights as a federally protected consumer.
Product: Vehicle loan or lease

this company received a cease and desist notice, they were asked for the 1099c form showing the vehicle was charged off. yet they continue to show it as being owed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the process of refinancing my mortgage with XXXX  XXXX XXXX. I happen to have a second mortgage with Navy Federal and XXXX  XXXX XXXX sent Navy Federal a subordination request. After a very arduous process Navy finally received information requested. I got an alert that a hard inquiry had occurred on my credit report. I thought it was XXXX XXXX   XXXX as Im in the process of refinancing. Did some research and found out it was Navy Federal. Why Navy Federal will pull my credit without first consulting me and while I am in the process of refinancing. That inquiry could impact my loan. They referred me to the FCRA and that they have a right to pull my credit. I would have wanted to be given the option or told that to subordinate to XXXX  XXXX XXXX a hard inquiry needed to be obtained, I would have at that point decided to go forward or not. But to be blindsided like this and pulling my credit without permission or consent to me is problematic.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian failed to properly investigate an inquiry about whether or not a debt is valid. I have supporting documentation that shows my account number with XXXX XXXX XXXX is in fact not reporting correctly. I have enclosed my first and last account statements from XXXX XXXX XXXX that show a different account number than what is being reported to my credit reports from XXXX XXXX  and Experian. The proper account number according to my monthly statements from XXXX begins with a XXXX instead of a XXXX. I attempted to get XXXX to verify this debt, however they replied to you all on XX/XX/XXXX, saying that they will not be verifying any debt ( I have also enclosed this letter that is reflecting the wrong account number beginning with a XXXX ) I have also enclosed my complete credit reports from XX/XX/XXXX, along with screen shots of the entry from XXXX XXXX XXXX, which reflect my account number beginning with a XXXX. According to the FCRA Section 611 the reporting agencies were supposed to hold a reasonable investigation of my report, and they clearly did even verify the accuracy of the debt because all 3 credit bureaus are reporting the wrong account number. It is their responsibility to completely delete XXXX XXXX XXXX off of my credit report because the account is not and never was reporting accurately. It is my right to have information reported accurately and in a timely manner. This brings me to my second issue. On XX/XX/XXXX, I made an agreement to pay off the debt with the 3rd party debt collector for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and payment was made. I have attached the settlement letter ( which includes an account number beginning in XXXX XXXX, along with my bank statement reflecting the {$2600.00} coming out of my bank account. According to my updated Experian credit report from XX/XX/XXXX, my credit report does not reflect the account is settled. It only reflects the payment in the amount of {$2600.00}. My credit report is currently showing a balance owed of {$6200.00}. Today, XX/XX/XXXX, I called XXXX XXXX XXXX to confirm that the debt was in fact completely settled, and they did confirm this fact to me. It is my right as a consumer in the United States of America to have information reported correctly on my credit report, and the fact that it is not, is severely effecting my ability to obtain credit. At the very least, the balances should be {$0.00}. According to the law, my report should be accurate, or be deleted. The correct account number on my credit report is not even being reported correctly. This is gross negligence by XXXX, XXXX, and Experian, who have claimed the " verify the debt '', I demand that this be corrected immediately. The XXXX XXXX XXXX entry on my credit report should be deleted from all 3 of my credit reports with haste.