23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I leased from Ally a Hummer from XX/XX/XXXX to XX/XX/XXXX. Towards the end of my lease [ I believe about 2 months before ] I took the vehicle to XXXX XXXX in XXXX, PA to attempt to purchase the vehicle. My contract allowed me to purchase the vehicle. XXXX said that the windshield was broken and it had excessive miles. They agreed that if I purchased the vehicle then the excessive miles was not a factor. So I left and I then had the windshield replaced. I then took the vehicle back to XXXX XXXX to purchase the vehicle per the terms of my lease. XXXX then refused to allow me to purchase the vehicle. I then left and telephoned Ally. Ally said they would extend the lease and allow me to contact XXXX to attempt to purchase. XXXX again refused to allow me to purchase the vehicle. The payoff on the vehicle was only {$16000.00} more or less which was far less than the value of the vehicle. I believe that they wanted my vehicle so that could then sell the vehicle for its true fair market value of {$24000.00}. They then charged me for a cracked windshield [ which I had fixed ], a non existent roof debt, an alleged tear in the interior headliner and excess mileage. XXXX XXXX and Ally failed to comply with the terms of the lease and refused to allow me to purchase the vehicle. I believe XXXX XXXX sold the vehicle for substantially more than I owed and did not allow me to mitigate my damages. I believe I do not owe them any money. They have not sued me, I wish they would so that I can prove that I do not owe them any money. What they have done is report this alleged debt on my credit report. I want them to remove this from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a friend loaned me {$800.00} Since XXXX of XXXX  I have been banking with XXXX XXXX  and transferring funds to my debit card ending in XXXX On the XXXX I attempted to transfer the funds to the debit card that I have been using and they sent the funds to a debit card ending id XXXX Which is a card that was issued by the now defunct bank XXXX XXXX Square has refused to own up to their mistake and instucted me to go to XXXX and retreive the funds myself Now because of my persistence to resolve this issue they have blocked me from being able to communicate with them XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank continues to report {$400.00} negatively on my credit report despite them admitting that the credit card was incorrect. I had a credit card with Capital One in XXXX, I paid the card off and cancelled because the verbal abuse I received at the hands of one of their customer associates. Fast forward years later, they have been reporting that I have a card that is paid off as agreed and another one that has been in collections for over eight years?! How?! Why would I get two credit cards from the same company, that verbally abused me??? it is truly XXXX  and XXXX. It was clearly a mistake and I recall calling the customer service line to inform them that I had cancelled the card and didnt have any other card, to which they responded saying that it was recently charged and usedthis was in XXXX. Fast forward to present day and it is still showing up on my account, I asked the Bureaus to dispute this showing that I have reports from XXXX that show the discrepancys ( due to the new dates that somehow keep updating to reflect present dates ) in the dates the card was allegedly opened. As you can see from one report from XXXX and current XXXX report data ; on one repot it shows a date of XXXX on another it shows open/reporting date XXXX! I would never, not in a million years apply for a credit card with Capital One after being disrespected by their customer service employee. This demonstrates how they and debt buyers would go to extreme lengths to make sure people suffer and dont have opportunities and fair credit reporting.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/23 I regrettably accepted a {$700.00} loan from Spotloan online, having been redirected from a loan finder website that takes a borrowers personal information and sells it to whichever lender accepts. I accepted the loan under the impression I could easily make extra payments on the principal, with no prepayment penalty. 

Unfortunately, once I had set up an online profile within Spotloans payment portal, I was very frustrated to realize that their repayment options were suspiciously limited. Through their online platform, I only had the ability to pay double the minimum bi-weekly payment of {$130.00} ( for a total of {$270.00} ), or the full balance plus interest accrued up to that day. 

These limitations seem designed to make repayment difficult, and near impossible to avoid getting hit with outrageous interest charges at a 490 % APR, definitely in violation of my state of Californias usury laws. 

To date I have paid {$2700.00} with interest on a {$700.00} loan, due to business practices that almost certainly violate UDAAP guidelines. My original loan agreement is attached in a PDF file. Spotloan is the DBA name of their parent company, Blue Chip Financial, a tribal loan company operating in the state of North Dakota.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these account for exactly 4 years. I have submitted police reports, ftc reports, notarized letters, etc. The credit bureaus claims that the creditor is providing them with proof the accounts belong to me. When I ask to see the proof I am directed to the creditors, when I call the creditors I cant get past verification because the accounts do not belong to me. I have been getting the run around for 4 years, so I have sued the creditors since it is the creditors, in accordance the bureau, that has to be provide me proof. I have been advised by my attorney to dispute the following accounts 1 ) security service account number XXXX and XXXX ) XXXX XXXX account number XXXX and inform the bureau that the account are now in litigation, however I can't dispute online and when I call I get the run around from person to person department for days. Per my attorney the accounts listed in this complaint are now in litigation and I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXXXXXX XXXX XXXX Potentially negative XXXX opened XX/XX/XXXX Balance {$3500.00} Status Open. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$5800.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Open.
Product: Checking or savings account

I have looked into my early warningsXXXX XXXX XXXX and I have no flags on my account as to why I cant not open a banking account with Chase.

I have tried online several times and it it provides me a error message below : " Thanks for applying, XXXX. Thanks for applying, XXXX. 
We can't open an account for you based on the info you told us. '' I have nothing indicating FRAUD, I have a XXXX XXXX and a XXXX XXXX and another credit union as well. I am trying to close my XXXX account to get Chase and I am not understanding why I can't open an account due to the reason above. When I have been to the brick and Mortar location with all my information such as my ID, social, and birth certificate.
Product: Debt collection

Dear THE BUREAUS, I am contacting you regarding The Bureaus collection account reported to my credit reports. Please note, I do not have any responsibility for the debt youre trying to collect or its been more than 7 years since the original delinquency date, in which case your account should not be listed on my report. If you have good reason to believe that I am responsible for this debt or 7 years have not yet passed since the original delinquency date please supply the information regarding my debt and original delinquency date so that I have all information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXX XXXX Balance : {$3200.00}
Product: Debt collection

Going on approximately XXXX weeks now, calls from XXXX. Starting at XXXXXXXX XXXX and not stopping until between around XXXX XXXX to XXXXXXXX XXXX, calling anywhere from 4 to 7 times a day. This is a ridiculous amount of calls on a daily basis for anyone to be placing, but its completely uncalled for from any collection agency. I've asked them to stop, but that only makes things worse for a few days after and the calls increase between XXXX to XXXX times daily.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX SD XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit Reporting act XXXX Account XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 USC Section 602 states : I have the right to privacy.

15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer, have identified multiple unauthorized inquiries with either open, closed, or no accounts. Whenever I call XXXX, XXXX, or Experian about this issue I am told that the inquires are accurate ( when they are not ) and I should add an identity theft ( which I do not want ) alert on my credit profile. XXXX, XXXX, or Experian can not furnish factual or nonfactual information that is a result from a transaction that arose from my credit card. First, I, the original creditor and consumer can verify what is and what is not accurate. I never gave XXXX, XXXX, or Experian the authority or permission to furnish or update a credit report on my behalf. They did not inform me with me first about any of the inquires or updates before verifying that it is mine. This has been going on for almost 2 years and I am extremely tired of this. I submitted an identity theft report several times and still being taken advantage of XXXX, XXXX, and Experian credit reporting agencies. I am a natural human being and I have more power and rights that any person who consider themselves a business or organization. XXXX, XXXX, or Experian are criminally and civilly liable for reporting inaccurate inquires.
Product: Mortgage

I have requested closing documents for the sale of my property which occurred on XX/XX/19. I requested the sale documents on two different occasions but have not received a response from Bayview Loans Servicing, LLC.

Nor have Bayview submitted all of the documents that were sent to me from XX/XX/19 to XX/XX/19
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXXXXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX. 
Account Number : XXXX Inquiries : XXXX XXXX XX/XX/year> : DEPT OF ED XX/XX/year> :
Product: Money transfer, virtual currency, or money service

My account has been disabled, preventing me from accessing important information I need to send to the FBI. Despite emailing and contacting the company named Coinbase.com multiple times over the past several months, I have not received any response, which is unacceptable. As a result, I have now reached out to the CFPB.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX. XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/XXXX " I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX XXXX.
Product: Checking or savings account

My mother was financially XXXX by her grandson. She was threatened by XXXX XXXX if she did not go to the bank and withdraw her CD of {$170000.00}. The banking officer was made aware that my mother was scared of her grandson and did nothing about it. This was taking place at Prosperity Bank in XXXX Texas on XXXX XXXX. When I found out about the transaction I immediately went to the banking officer XXXX and reported this as elderly abuse of my mother. I sought assistance from an attorney who placed a temporary restraining order and a temporary guardianship and was to freeze the bank account from any transfers of the funds. Prosperity Bank allowed the funds to be transferred to the grandson 's father who is an ex-husband and has not seen my mother in over 20 years. The bank refused to freeze the assets and allowed the transfer to take place of {$150000.00}. The bank will not release the records to where the money was transferred to and will not guarantee to replace the money due to their era in not using the suspected XXXX XXXX   form that the government requires when alerted of XXXX XXXX. The local law enforcement agencies have not helped. The local XXXX Texas Adult Protective Services were contacted and have not helped. My mother has now lost {$170000.00} her life savings to someone she doesn't even know. The bank will not help us the local officials will not help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, XXXXXXXX XXXX Charged Off my credit card balance after I was diagnosed with XXXX XXXX XXXX XXXX XXXX XXXXXXXX of which they filed an IRS 1099 C that I submitted with taxes. On XX/XX/XXXX, Equifax reported the XXXXXXXX XXXX charged off as new on my credit report without my knowledge which causing my student loans to be denied by XXXX XXXX XXXX XXXX US Department of Education. I spoke with Equifax twice about the error and their investigation showed no error on their part and blamed XXXXXXXX XXXX for the error. I talked with XXXXXXXX XXXX twice and both times they claim there was no error in the way they report charge off on my account, other than I was still delinquent in payments even though it was filed as a IRS 1099 C. 

I did not know of the of the XX/XX/XXXX Equifax-XXXX Reporting error until XX/XX/XXXX when I filed for the XXXX XXXX XXXX XXXX XXXX. It also did not show on my XXXX XXXX account until after my student loan was denied. This caused my credit rating to drop about 10 pts on both Equifax and XXXX XXXX. XXXX XXXX did not show any new charge off on my credit report account with them. I appealed the denial of my federal student loan with XXXX XXXX XXXX and on XX/XX/XXXX after submitting documentation, my appeal was approved. 

Equifax also required me to subscribe to their upgraded service to review the reporting issue and would not send any documentation to me on whether the reporting issue was fixed. I had to wait until the month of XXXX in order to find out that my credit report had been corrected or not. Both Equifax representative would not divulge any information about there investigations into my account that was completed in one day and not corrected. 

This Equifax reporting error has caused financial emotional harm and jeopardized my XXXX XXXX in XXXX XXXX and Policy at XXXXXXXX XXXX. Equifax outward attitude of denying problems affecting people 's credit report is appalling and I am sure it is more widespread than they claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

On XXXX I ended up in jail until XXXX during that time on XXXX I received a direct deposit to my cash app account in the amount of XXXX. On the same day I received the deposit my horrible roommate got ahold of my phone and wallet and sent the entire amount from my cash app to her cash app account. I have filed a police report as well as dispute this transaction at hand 3 times and each time even with proof of me being XXXX I still got denied. I never gave permission to anyone ever, to take anything out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting act XXXX  Account XXXX XXXX # XXXX has Violated my rights 15 U.S.C 1681 section 602 A states I have right to privacy. 15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not Furnish account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am request that the BRCLYSBANKDE account with account number XXXX be removed from my credit report as soon as possible. This account was opened fraudulently, and I am a victim of identity theft. 

I have taken all necessary steps to report this fraudulent account to the relevant authorities, and I have provided them with all the necessary documentation. I am now requesting that you remove this account from my credit report as it was opened without my consent.
Product: Credit card

I have always ensured that payments on this account were made timely and never overdue. I'm unclear about the reasons for the late payment remarks on my accounts. Based on 15 USC 1666b, billing errors should be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Product: Debt collection

All of these accounts are closed and they are still trying to collect a debt from me that should completely be gone : I do not own any of those company cards at all and I would like them to be removed off of my credit completely.