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

The vehicle I purchased under duress of financial hardships that could result while not having transportation to support my family including my, at the time, 2 year old son and my lady also with child at the time of purchase. After driving the vehicle I noticed the check engine light on which again because of my situation was overlooked because of the situational hardship and the need to aquire a vehicle to continue being a provider. Upon further inspection of the vehicle after the somewhat calm I experienced after knowing I had a vehicle again after signing loan documentation things became worse. Being an at XXXX  XXXX, a XXXX XXXX XXXX manager for XXXX XXXX XXXX, having personal shop experience, and coming from a family background of car repair and enthusiast individuals, I dug deeper to find that the soundness of the vehicle with which so much was at stake as the vehicle was used in transporting my pregnant lady to and from appointments and young son was not good. After my initial evaluation that was discussed over the phone with Gateway Financial 's representatives it was concluded that there were multiple suspension issues including inner and outter the rod end that reached the end of there life span, bad CV axles, bent rims, check engine diagnostics ran representing codes explaining that the intake and exhaust valve actuators weren't performing correctly or bad as a result of timing advancing because of the wear of the timing chain or set resulting in its advancement and the final result of which I was unable to continue payments was the fuel pump quitting completely leaving my pregnant lady and son stranded 30 minutes from our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I reached out to the credit bureaus and company in charge of this account to get it removed for one XXXX  reporting this account and to remove it due to XXXX  purposes. This account along with its debt does not belong to me or was not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I pulled my annual credit report a year ago, I saw that a fraudulent account balance from XXXX XXXX XXXX was reported on my file as a collection through XXXX, XXXX XXXX for {$60.00}. I immediately contacted the collectors at the number listed asking them to verify the validity of the account because I was with another carrier at the time the alleged charges were incurred. The company failed to provide this information and I submitted a dispute with Equifax to have the collection account removed from my account because the company made no attempts to verify the accuracy of the debt. I have yet to here from Equifax about removing the inaccurate account. Then today, I pull up my annual credit file and I see XXXX still listed as a collection as well as XXXX XXXX XXXX listed for the same debt. There is no contact information listed to contact the company and I have tried to initiate a dispute on Equifax 's website, but it is telling me the identifying info I have provided is inaccurate. Really!! These collection companies are parasites and Equifax is supplying hosts. They need to be held accountable. Fix the problems you are creating.
Product: Debt collection

USAA engaged in a deceptive act or practice by taking the wrong amount due for my auto insurance payment. I signed up for minimum amount due ( $ XXXX monthly ) to be deducted on the XXXX of each month ( see attached docs dated XX/XX/XXXX and XXXX ). Instead USAA deducted the whole statement amount ( {$800.00} ) on XX/XX/XXXX. 

I called USAA to resolve this issue and was told by the backend office that the new payment will take effect in XXXX since I already paid the whole statement balance. USAA representative stated during the phone call that she saw notes where I changed the payment to minimum amount due. She received an answer from the back end office that they will change it in XXXX. 

USAA engaged in a bait and switch tactic by taking the whole amount due instead of minimum amount I signed up for ( see attached docs ).
Product: Money transfer, virtual currency, or money service

I discovered I was unable to access my account. I had somehow been signed out completely. I attempted to sign back into account but was told I need a two step verification which would only be achieved by submitting documentation ( drivers license ) and personal photo. I received an email stating my identification was verified and to sign in through the email to the account making sure to update the verification process. I signed in using username and password however the system stated I needed additional verification to access the account. I tried multiple times to contact customer service but was unable because a sign in is required to speak with customer service, which I can not accomplish because the system will not allow me to sign in.
Product: Debt collection

I have no affiliation with XXXX XXXX XXXX XXXX. 
They have no signed debt with me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and report instances of identity theft that have impacted my credit report. Upon reviewing my credit report, I discovered several unauthorized accounts and activities that are a result of identity theft. I request your immediate assistance in rectifying these inaccuracies and securing my credit profile. 

Below are the details of the fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I request that you conduct a thorough investigation into these accounts and remove them from my credit report immediately. Failure to do so may result in further damage to my credit score and financial well-being. 

Please provide me with written confirmation once the investigation is complete and the unauthorized accounts have been removed from my credit report. I also request a free copy of my updated credit report following the resolution of this matter.
Product: Mortgage

citibank continually try to collect of seeking to collect debt from the wrong person, and for the wrong amount ; Citibank is also seeking to to collect debt that can not legally be enforced ; My mother is deceased ( XX/XX/XXXX) and her estate was probated and finalized. <P/>On XX/XX/XXXX I discover Citibank has is seeking to foreclose on my inhered property based on my deceased mother alleged mortgage ; At the time of the alleged Loan My Mother was Hospitalized before durning and after this pretor Loan ; I have filed several complaints with the CFPB in regards to this matter all to no avail
Product: Vehicle loan or lease

I XXXX XXXX is requesting a validation of debt. According to 15 u.s.c 1692g I have the right to know the total debt amount ; including any and all fees, and whos the original party making the claim.
Product: Checking or savings account

Someone without my knowledge used my identification and took XXXX dollars from my account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX  Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The following personal information is incorrect Name : XXXX XXXX 2. The following personal information is incorrect Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 
XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 
XXXX. XXXX Account Number : XXXX This is not mine. 
XXXX. XXXX XXXX XXXXXXXX XXXX 
Account Number : XXXX This is not mine. 
XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 
Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Sincerely, XXXX XXXX
Product: Debt collection

XXXX, I mailed a letter to 800 Loan Mart requesting them to validate this debt. Have not received a response to validate debt. This account was removed from XXXX and XXXX but has not been removed from XXXX. According to FCRA any inaccurate data must be removed from kredit profile immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Santander CONSUMER USA/XXXX/XXXX/XXXX/CFPB ; It's impossible that this account can ever be marked as investigated as accurate because it continues to report the same incorrect and multiple inaccuracies. See the letters i sent before attached. It's reporting incomplete, inaccurate, misleading, and multiple inaccuracies on my credit report and it's causing this account to illegally re-aged on my credit report. I also read several previous file lawsuit cases for this auto lender here ; for example where they were in infriction with the consumer laws and mistreating clients during the process. ( Case Anderson v. Santander Consumer USA et al FILED : JANUARY 3, 2017 2:17-CV-00012 ; Barber v. Santander Consumer USA , Inc . FILED : SEPTEMBER 20, 2017 2:17-CV-01227-CB ; Blakely et al v. Santander Consumer USA , Inc . FILED : JUNE 6, 2018 2:18CV1647 ; Wilson et al. v. Santander Consumer USA , Inc. FILED : JANUARY 13, 2020 4:20-CV-00152-KGB ; ). Therefore, there are so many errors and violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX  is not investigating my dispute I gave them a few instructions and outlines showing that I wasnt late. Instead they give me a result saying I didnt specify what I was saying on my dispute. I dont believe they did a proper investigation because saying not specified means I didnt explain what I mean. So they are wrong.
Product: Credit reporting or other personal consumer reports

Instances of reporting unauthorized activity have occurred multiple times. It is crucial to remove any unauthorized account within XXXX business days. This process requires providing adequate proof of identity, submitting an identity theft report, identifying relevant details, and confirming that the activity is unrelated to any of my transactions. 
XXXX XXXX XXXX XXXX : {$XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 card

On XX/XX/XXXX I purchased an item from XXXX in the amount of {$240.00} however, the item was out of stock so XXXX issued a refund back to my Paypal account on XX/XX/XXXX for the amount of {$240.00}. The refund has yet to reach my XXXX account. I spoke with XXXX to confirm the refund and my bank XXXX to confirm no receipt of the refund. I've spoken to Paypals customer service 3 times and keep getting 3 different answers about the missing refund. I was told twice that a manager would be calling but no one has reached out to me. Please assist.
Product: Money transfer, virtual currency, or money service

So, It all started from XX/XX/XXXX - While CashApp withdrew the amount of {$50.00} from my bank account and then sent it to some unknown XXXX address. It was a small amount, so I didn't realize. I thought it was credit card payments. Cash App then consecutively withdrew money from my bank account and immediately was doing bitcoin transactions and was sending money to some random bitcoin address. I was not aware and Cash App was doing transactions like they started from {$50.00} then {$100.00} then {$250.00} for a few times and then {$1200.00} and at last on XX/XX/XXXX - {$1900.00} withdrawn from my bank account through Cash App. Those are all fraud transactions so, when I realized then I contacted Cash App immediately and reported fraud but, they made me accountable saying that I authorized the transactions ( However, I didn't and I didn't get notified for all time ). My Cash App Amount is closed now so, I can't post the bitcoin address where money was being sent but, XXXX {$5200.00} around money was withdrawn from account. Cash App is saying that me or someone I know authorized charges which is false. Money was not sent to any known person/business. I suspect someone from CashApp did transactions and made me accountable when I filed a complaint.
Product: Vehicle loan or lease

Ensuring timely payments has been my priority with this account, ensuring no instances of overdue payments. I'm puzzled by the late payment remarks appearing on my accounts, and I believe they should be corrected according to 15 USC 1666b - Billing Error.
Product: Student loan

XX/XX/XXXX XXXX  XXXX  submitted XX/XX/XXXX App  results : despite stating that signed HR forms were not required to submit for XXXX, my app was declined because I could not get it signed. 
XX/XX/XXXX spent months tracking down the info requested and re-submitted XXXX XXXX. 
XX/XX/XXXX Consolidation application submitted XX/XX/XXXX Consolidation completed XX/XX/XXXX XXXX XXXX application as suggested XX/XX/XXXX Requested information due to name change from marriage. Submitted all requested info. 
XX/XX/XXXX Had to resubmit XXXX AGAIN at their request. 
XX/XX/XXXX XXXX  payment counts up to XXXX payments ( the only movement since XX/XX/XXXX ) XX/XX/XXXX Notice of loans transferring to another servicer. 
XX/XX/XXXX Loans transferred to Mohela Called to speak with them and chatted via their website, was told my loans were " direct to discharge '' on XXXX. I have a screenshot of this. I have no other correspondence regarding my payments or proof of discharge. I'm told that the people answering the phone do not have specifics for me and I just need to keep waiting. 

I worked at a hospital full time from XXXX, worked at another hospital from XXXX and worked as a teacher from XXXX. I have more than enough months to count toward forgiveness and I feel like my account is stuck on hold and isn't being looked at. I've done everything they have asked and lack any proof of my account being looked at since XX/XX/XXXX ... 6 months ago. Please help me figure out why my account is stalled.
Product: Checking or savings account

My tax refund was sent to the wrong account on XX/XX/2023 in the amount of {$3900.00} account number XXXX routing number XXXX when the deposit was made, it was never verified and following protocol to see if the account holders name and the name on the refund because if they didnt, it would have to be sent back. It was never sent back, it was deposited. It went through the Consumer received an erroneous deposit for an erroneous amount of money and close after the funds were received so when Irs Tax advocate services open my case, took my case and put out an IRS payment trace and submitting form 3911 and a letter of indemnity asking for Bank of America to send the funds back and seen that they were at fall Bank of America because they didnt follow protocols on depositing the IRS refunds and it shouldve got sent back so it couldve been mailed out from the IRS department of treasury this has been an ongoing process since XXXX there has been no resolution and the last thing that I heard on XX/XX/XXXX I check cashiers check in the amount of {$1900.00} was sent to the IRS , and it shouldve been sent to XXXX XXXX instead according to policies and procedures is now lost in the mail or lost somewhere in the system because the IRS does not have it and this was sent out on me first so I would like to get a resolution I am asking and requesting that all my funds be sent to me since I followed all policies and procedures, guidelines and timeframe, this is a financial hardship on me, my family my phone number is XXXX. My name is XXXX XXXX please get back to me as soon as you have a chance thank you and have a blessed day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was divorced in XXXX and as part of the divorce our house XXXXXXXX XXXX XXXX XXXXXXXX Ohio was awarded to my ex-wife. In XXXX she filed for bankruptcy and including her condo fees and house mortgage in it. This was used to refinance the house and my name was taken off the loan per the court documents. The credit brearuou claims my name is still on the load and has refused to take it off. Court documents indicates otherwise. 
I want my name to be taken off the loan from XXXX and the credit brearou or credit reporting. 
The credit reporting company has refused to take my name off the loan despite serveral calls to them with documentation proff. The credit reporting company say it has to come from XXXX XXXX  and they are not doing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts belowhas 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 XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXXN # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX Has violated my rights. 

15 U.S.C 1681 Section A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not funish 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 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 ) Aperson shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On the day of XX/XX/2021 wallet and phone was stolen along wit a friends old check i was waiting on a loan to go into my account. I was that i had money that was for the amount of loan. someone tryed to wire transfer money out so i sent it to my wife to where it would not get taken agin and now my account is closed and her account is having problems wallet had my ss card id and birth certifecate in it with my along with all my cards.
Product: Debt collection

I had a closed complaint on trs. The agreement was to send me back XXXX XXXX but instead i got 3 emails about a new XXXX debt that is no where, canceled or otherwise, on my account and certainly not from me. All 3 emails came back to back on XX/XX/XXXX at XXXX. They never mention the order, amount, or any other information. That has been one of my concerns with them because they hit my bank over and over for the same transaction, they dont say what the purchase was and they say XXXX can help me with it but all 6 times this has happened, amazon has no record of any non payment ( even the 2 times it actually was NSF ), trs u cant get ahold of. They will ask for a ref number or the XXXX order .... They dont give us one. I call and say " i got an email '' as legit all the info i have ... .. Trs nor XXXX can do anything with that so trs is basically sending emails ( valid or not ) to dip in XXXX XXXX accounts for whatever they want .... Even double taking fees. Im filling at this point because my bank already told me, even their fees list under XXXX and my bank wont refund overdrafts or put in claims for companies that i have my payment on file with.. even if i remove my payment info, i tried, they already have it so its hopeless. Instead of getting the money they claim to owe, the will make up 3 more false cases! Thats crazy. U need to be shut down!
Product: Debt collection

Special Agent ... .XXXX  XXXX ..., from XXXX has been calling distant family members not involved with my account what so ever and leaving messages with them to have me contact them at XXXX. None of the other persons contacted have anything to do with this credit account nor are they listed on the card or my account anywhere. There were 5 other phone numbers listed on my file, where communications were made and not only voicemails were left, though also spoke to other members with regards to me, per Special Agent XXXX XXXX ..., in a phone conversation today, XX/XX/2019 at XXXX pacific time. I asked him to remove all other phone numbers on " my file '' with the exception of mine. I explained to him that what he was doing was against the FDC act 805. XXXX stated he does not know how the other phone numbers got in my file, though he was just following through to have someone get the message to me. This is unacceptable. I have 3 different recordings of his voice on various numbers, as his voice is very distinctive, leaving messages with people that were not ME. XXXX stated he would place a notation on my account not to call any number other than the one I provided to him today.