23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

Between XX/XX/year>, and XX/XX/year>, an inquiry made by FLAGSHIP CRE was added to your credit report. 

This was to lower my interest rate on my vehicle option from XXXX XXXX. The only reason I applied for the reduction was because it STATED IT WAS A SOFT CREDIT PULL AND WOULD NOT AFFECT MY CREDIT SCORE!!!!! 

Had it said it was a hard inquiry I would not have applied for this! 

So the company lied and said it was a SOFT CREDIT PULL, then I am notified overnight it was a hard credit inquiry I would not have applied. 

So now this " soft pull '' which was not to affect my credit lowered my credit score! Thats illegal and false advertising and false promises from this company! 

I have had XXXX XXXX for XXXX years and it is supposed to be a safe and honest credit sight, and their offers are to be honest and up front and this was a scam/lie!
Product: Credit reporting or other personal consumer reports

I found errors on my credit report in accordance with 15 USC 16c-2, which are damaging my credit standing. The inquiries noted were not approved by me.
Product: Debt collection

Debt appears on my credit report for emergency medical services but services where never rendered to me, i live in texas and was working and can prove it. the debt was created out of state. this is clearly resulting from identity theft
Product: Credit card or prepaid card

Citibank lowered credit limit 1 day after a payment posted that was over the minimum. After having the account for 12 years. They have stated it was inquiries in 12 years I have bought XXXX cars XXXX house moved a few times have other cards and had new accounts. The credit score has stayed in the same range. I have attempted to contact Citibank and have gotten no response. When asking for management they give me a Po Box . Citibank was waiting like a lion to prance on its prey as soon as I made a payment. I used to tool on the site that shows how to reduce the debt on the card. Also when it bills now I will be over the credit limit due to the reduction after I have made the payment so they are trying with intent to lower the credit score more.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX Account name -XXXX  XXXX # XXXX Account name- XXXX  # XXXX account name-XXXX XXXX # XXXX Account XXXX XXXX XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency make make any consumer report containing any of the following items of information any other adverse item of information, other than records of convenience of crimes which antedate the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX
Product: Credit card or prepaid card

CapitalOne arbitrarily restricted my account with no explanation. When I called in they demanded that I provide additional PII before they would tell me anything. I expressed concern over providing PII to a company with a very public record of mishandling the sensitive data of their customers. Against my better judgement I reluctantly agreed and they provided a technical solution to upload the PII which did not work, they provided no alternative. This is not the first time that CapitalOne 's poorly designed anti-fraud practices have caused me unnecessary aggravation. Given that CapitalOne 's so-called anti-fraud practices do not protect me from fraud as much as they have obstructed my legitimate use of my account I have chosen to terminate my <10 year relationship with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  The Vehicle was voluntarily surrendered as it was deemed to have been a hazard on the road -Lemon. The lender took several months to come and pick up the vehicle in which I was handed the document of their receipt of the vehicle. I was advised that once they closed their records they would be forwarding me the final balance owed. Since the reported date of XXXX This action never took place instead they kept the full balance on my credit, I was notified by California DMV that the title of the vehicle was released after I had to send an email showing that I was no longer in possession. I tried contacting the XXXX XXXX XXXX to find out what the final balances were and was told that they would send all of that information once they had closed the record and updated the amount after Auction. This was never done and now over two years later they are refusing to update the balances owed. Also never received collection calls regarding this debt to date. When calling them they don't show my records either. This is affecting me being able to obtain housing as the credit line item states that I owe {$18000.00} which was the amount I had left to the entire loan term, and several requests have been sent for them to correct there records and they all have gone unanswered and I have had 4 dispute attempts with the three credit bureaus. Still no change.
Product: Checking or savings account

Account closed with Chase Bank at approximately the end of XX/XX/year>. To date the ending balance has not been released via cashier check. Repeated phone conversations have not resolved the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for any inquires reported on my credit report nor did i authorize any of these accounts which added inquiries to my credit report. The following accounts stated, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022. I do not have a contract with any of the above named companies and they did not provide the contract as I requested because they do not have one yet the credit bureaus has not removed these inquiries from my credit file.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report as provided by [ Credit Reporting Agency, e.g., Experian, XXXX, XXXX ]. The information I am disputing is incorrect and incomplete according to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

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 card or prepaid card

I have been having an issue with Avant Financial which is the credit card issuer. Since around the end of XXXX I have not been able to login or access my online account either on Avant 's website or their mobile App. I have tried contacting them over 8 times with my initial contact on XX/XX/22 at XXXX XXXX  mountain time and have never received a response. I have reached out on their XXXX, XXXX and XXXX and have gotten no response either. 

Every time I call or get a call from their agents they are unable to access my account and constantly tell me " Our system is undergoing maintenance '' and that is the same message I get when I attempt to login to my account. I have tried resetting my password and still get the exact same issue. 

When I have called and set up a call back time with a supervisor I get no response, besides " we have escalated this call '' and " there is no supervisor available '' every single time. 

I am not getting any statements and occasionally I am getting emails with different people 's names instead of mine. 

I have been charged late fees and interest, non-payment records have been reported to my credit report and I still get zero support when I contact this company.
Product: Debt collection

I cant believe Im having to submit yet another complaint against this awful company. Please feel free to see/reference the laundry list of other issues Ive had with National Credit Adjusters XXXX 
After making false promises and being bullied into paying an alleged debt in full ( they preyed on the knowledge that I was trying to purchase a home ), NCA has now decided to threaten me with an alleged 7 year old debt.

We opened an investigation into this alleged debt a year ago, and the debt was found to be erroneously reported and falsely reported information. The alleged debt was immediately deleted from all bureaus. They are now threatening to re-report the alleged debt if I dont pay. 
It is against the law for credit agencies to report debt they know is inaccurate, and if the dent was found to be erroneously reported it can not be re-added.
Product: Checking or savings account

Joined XXXX XXXX XXXX in XXXX and it is a 100 % guaranteed program. In XXXX I sent an official message stated I wanted a refund and it was not working. I was given a reply that stated I needed to continue for the year and then he would give me my refund and {$2000.00} on top of it! I have since then been deleted and blocked from everything. Affirm is condoning/supporting the scam that XXXX XXXX XXXX is running.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am natural person I am living I have right under 15USC 1681.

TransUnion is govern 15USC 1681 .And they violated my rights numerous of times.I demand this account listed below be remove because According to 15USC 1681 : I have the righ to privacy and I did not give TransUnion permission to furnish these account : XXXX XXXX account number XXXX balance {$3600.00}
Product: Credit reporting

I have a XXXX balance on my account with XXXX XXXX yet reporting as a negative account. I can not pay XXXX balance
Product: Mortgage

I am XXXX years old and SLS has lied to me and is trying to sell my home even though they have a complete package and are reviewing me for a modification. SLS confirmed that they have a complete file but no point of contact has been assigned to the case and they are not placing the sale on HOLD. 
Additionally, XX/XX/2015, I had explained to SLS the hardships that I endured due to my illness and increased medical expenses and they promises to lower my interest and then next thing, my home is in foreclosure. I am XXXX years old and have been in this home for 26 years and this is where I will die. I do not want to be a burden to the state or other tax paying citizen. I AM WILLING to pay my mortgage and had they kept their promise last year I would be paying a mortgage and not facing foreclosure in two days. Now, for a week they have had a full modification package and are reviewing me but are not placing sale on hold or postponing. Please help me as I have no one, All of my family is dead. I worked hard all of my life and SLS should not be allowed to kick out XXXX citizens into the streets especially after promises were made and after they are blatantly failing to comply with CA homeowner bill of rights.
Product: Payday loan, title loan, personal loan, or advance loan

This company has had horrible, customer service, trying to collect extra fees for an error that was made and Im not happy.
Product: Mortgage

PNC Bank purchased my mortgage effective XX/XX/2023. Bank has not sent any statements, just mail and spam to pressure me into automated payments or on line banking. First call to customer service, they verified that they will send a monthly statement via mail as was the case with XXXXXXXX XXXX, from whom they bought the mortgage. 

Call today first disconnected, then no one picked up. 

As far as I can see this institution is not living up to the terms of the loan as it was set in the original contract. 

PNC Bank XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

I will never stop refilling complaint to the MERCEDES-BENZ FINANCIAL SERVICES for allowing the fraudulent account and for not taking corrections on my credit report despite the multiple request I sent on the following dates XX/XX/year>, XX/XX/year> and XXXX XXXX. I have my dispute letter dated XX/XX/year> alongside with this complaint is the identity theft report number XXXXThey allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report the fraudulent account still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Checking or savings account

On XX/XX/XXXX I received an email from Chime with an IRS-B Note saying I needed to send them the W9 form and copy of my ID for verification. In the email it also said that if I didn't send the documents my account would be blocked. After submitting the documents several times and receiving several automatic emails saying the same thing finally on XX/XX/XXXX they sent me an email saying that they had approved and that I didn't need to do anything else. 

Until then the experience had been bad but there was a deadline and clear communication. Yesterday ( XXXX ) Chime simply blocked my account ( checking, savings and credit card ) without any prior notice and asked me again for the same documents. We are back to the same point of sending and receiving automatic emails. With the difference that I am sending the same documents that had already been previously approved and I can not use my own money. It is an endless lack of respect in a bank that no longer has any trust on my part. I called customer service who basically couldn't help with anything, just escalated and asked to wait for the next email. I receive my salary in this account, I have money there, I have a credit card and this bank, without any notice, felt entitled to block my money.
Product: Money transfer, virtual currency, or money service

My venmo account has been suspended. We are dealing with a medical emergency and the funds are needed ASAP.
Product: Debt collection

Transworld systems inc. is trying to collect on a debt that is not mine. In accordance with the Fair Credit Reporting act Transworld Systems , INC. Acct ( XXXX ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

wells fargo finally sent a letter and they understand my truck was repossessed and sent a check for XXXX that is no where near my damages, this cost me my truck that was a little over a year from paid for. I live on a XXXX income as they know and the cpi added to the truck made it unafordable and I simply was told by wells fargo I had to have the cpi they never asked about my insurance which they agree I had the same policy the whole time and yes full coverage. I need a check for at the very least XXXX that is not even all my losses, that would be more fair for wells Fargo than I but at least I could get some type of a picklup.
Product: Consumer Loan

Documents on file. Complaint number XXXX I am responding to Chrysler Capital latest correspondence. I tried to file a complaint with the FTC and the system kept referring me CFPB I need your protection. There must be something more this agency can do other than simply say thank you for informing us. Chrysler Capital is clearly willfully causing me Financial and emotional harm. There is documented history with Chrysler Capital, Chrysler Group LLC and XXXX. Please forward my case to a Concessional office or XXXX office. My daughter and myself need your protection. Help me teach her truth and doing what is wright matters. This is like a game to Chrysler Capital. It is causing my Mental handicap to shut me down and spin out of control. I ca n't take care of my simple day to day needs .... I realize Chrysler Capital is simply a debt collector for XXXX and Chrysler Group LLC and they have distance them selves from Chrysler Capital, But legally or morally they should be held accountable. After all we did loan them Hundreds of Millions of XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Information under Section 1681O - Civil Liability for Negligence Noncompliance Dear XXXX, I am writing to formally dispute an entry on my credit report that I believe to be inaccurate, and to assert my legal rights under Section 1681O of the Fair Credit Reporting Act ( FCRA ), which provides for civil liability for negligence when credit reporting agencies fail to comply with the law. 

I have identified the following inaccurate information in my credit report : Account Name : XXXX Inaccurate Information : XXXX XXXX XXXX Date of the Report : XX/XX/XXXX Under FCRA Section 1681O, I am entitled to dispute any information that is not accurately reported, and I believe this information is not in compliance with the requirements set forth by the FCRA. I respectfully request that you investigate the inaccuracies in the information listed and correct it immediately. If the information can not be verified or is found to be inaccurate, I ask that it be removed from my credit report in accordance with the law. 

In accordance with Section 1681i ( a ) ( 1 ) ( A ) of the FCRA, I request that you conduct a reasonable investigation of the dispute and notify me in writing of the outcome within the 30-day period. Additionally, if you determine that the information is indeed inaccurate, I request that you promptly update my credit report and notify any parties who may have received my report in the past six months.

Please confirm that you are following the procedures required by the FCRA, and provide a complete and accurate report upon completion of your investigation. 

I appreciate your immediate attention to this matter, and I expect a prompt resolution. Should you fail to properly investigate or correct the inaccurate information as required under the FCRA, I reserve the right to pursue all available remedies, including seeking civil liability for any negligence or noncompliance with the law. 

Thank you for your cooperation. 

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

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. The accounts that are still erroneously reporting on my account : DISCOVER BANK XXXX Date opened XX/XX/2018 Balance-
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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: Debt collection

Dear Collector, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the  last payment made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX. 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.