23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I'm REWRITING to complaint to COMENITYBANK/VSMC about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXX I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. XXXX that unambiguously obliges a depicted of the modus. 
This is a legitimate inquiry of information and declaring.
Product: Credit reporting or other personal consumer reports

The following inquiries on my reports are unauthorized and not mine : 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, 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 XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, TD BANK N.A. add a hard inquiry on my credit report per XXXX. 
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: Vehicle loan or lease

I made a payment on their website for my first auto payment on XX/XX/2017 for XXXX. The Toyota Financial Services website was specifically designed to not allow a principal payment in the payment area. The regularly scheduled payment was for {$260.00} and I had paid an extra {$200.00} toward the auto loan amount so as to reduce the amount of the payment term. The representative did state she would reclassify the amount of this first payment to both regular payment and principal for this instance. However the issue came up when I asked if I could make both a regular payment and principal payment on the same payment submission area of the website. The representative stated that in order to receive credit for the payment in the future that I would have to submit only regular payment amounts on the website. She further stated that to receive a principal payment I would need to write a separate check and send it regular US Mail to the address shown. I expressed my dismay at the answer to my question, but she stated that is only I way I could do this. I feel that this is unfair trade practices and that this finance company to allow for both payment types ( regular and extra Principal ) on their website to occur. I think it is egregious that we ca n't have a one stop payment website. I have a long term 84 month on my auto and I wish to reduce it by any means possible. It not good customer service to Not allow for extra payments to be made online at this company. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA is reporting t o the credit agency that I am late each month and I am not late. They are reporting that my loan payment is more than what it is. I have try to credit this and the credit agency will not credit it.  XXXX  and  XXXX
Product: Debt collection

Please be advised XXXX XXXX operates as a third party collection agency, and from my research is not the current holder of this alleged debt. Because of the fact XXXX XXXX has no legal standing to report this alleged debt to any credit bureau. I am requesting that XXXX XXXX be barred from access to the credit reporting agencies immediately.
Product: Payday loan, title loan, personal loan, or advance loan

I had a {$200000.00} line of credit with Bank America - used over {$500000.00} during 40 years never late always paid off loans before due date -- - account is paperless had not used line of credit for several months then just learned they cashed-out account because of a {$5.00} charge I was not aware of ... {$5.00} I contacted them and was told to wire them the {$5.00} UNBELIEVABLE!!! I did and they said they would notify XXXX to remove complaint. I filed a complaint with XXXX and was just told by them that although I paid the {$5.00} Bank America wanted the bad debt filing to remain They have tarnished my perfect credit score for {$5.00} They never reached out to me about the {$5.00} NOT FAIR!!!!
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report. 

List of accounts to be deleted. 
XXXX Late Payment Report in XX/XX/2023 XXXX XXXX - XXXX XXXX XXXX  The reporting of these account is violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 
Best regards, XXXX XXXX
Product: Debt collection

I paid this debt in XXXX, 2021. I recently sent you information regarding another debt I already paid ; however, it appears that this debt been deleted from my credit file.
Product: Mortgage

I received a notice in the mail regarding escrow account change. The first notice was XXXX of 2023 and they raised my mortgage payment by almost XXXX dollars a month. I spoke with them and they were able to decrease mortgage payment from XXXX to XXXX. I have made payments to them all last year with that payment of XXXX. However this year I received another notice stating my mortgage payment was going to increase again this XXXX for a total of XXXX dollars. I called and asked why and they stated escrow was in the negative by XXXX. I looked back in transaction history from last year and found a statement stating the property taxes for the property Im at was for XXXX. I contacted the assessor office and they stated taxes were only XXXX. So then I called mortgage lender and they couldnt resolve my issue.
Product: Checking or savings account

My checking account has being suspended on XXXX, when it was closed it had around {$40000.00} in it when is was suspended. I tried contacting capital one and the agent said that my account is currently restricted and going to get closed since capital one has ended relationship but is still under investigation and after investigation any remaining funds will be sent to me using a check. I waited two weeks now and nothing from the bank side and i called again and still no updates.
Product: Debt collection

This debt collection does not belong to me and never received any documentation via mail saying i owe this debt yet still put it on my credit report as i am a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous telephone numbers and accounts that I have no knowledge they existed. Attempts to collect debt have been attempted on accounts that have been cleared or have previous judgment to be satisfied.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made ONE purchase at XXXX XXXX XXXX for XXXX. When I received my XXXX billing statement, XXXX transactions were billed. I first called the merchant, who advised he only had record of XXXX transaction. I immediately filed a dispute online in their dispute center. I was initially provided with a provisional credit by Citi. A few weeks later, I was rebilled this transaction, stating it was authorised. The documentation provided as evidence was for the ONE transaction I authorized. I completed their request to sign a form attesting that I only authorized one purchase. I was then provided an additional provisional credit. However, that credit was reversed without any indication as to why.

I reached out to Citi, without much resolve and was told to call. I did speak with a representative, who did confirm the merchant 's latest response was that I did in fact only make ONE purchase and the second is an error. She was not able to answer why I was rebilled and stated she would submit a request to correct. I received an electronic update, stating they were working with the merchant and his bank to resolve, yet the amount remained on my account. 
About 10 days later, a new billing statement was sent WITH the incorrect amount still on my account and a minimum payment requested. I engaged Citi again, was told it was still being worked on. 
XXXX ) Why am I in the middle of the merch, their bank and Citi? I should have been given the credit to may account. 
XXXX ) This was not resolved within the time frame allowed per Reg Z. My initial dispute was in XXXX. I received a billing statement in XXXX, XXXX and XXXX. That is greater than XXXX complete billing cycles.
Product: Debt collection

I am writing to file a complaint regarding my debt with XXXX XXXX which was sold to multiple companies before being transferred to XXXX, XXXX XXXX XXXX. Despite my attempts to reach them by phone, they have not answered or returned any of my calls. Additionally, Ive come across several negative reviews from others facing similar issues, where the company fails to communicate or offer reasonable payment options. This lack of response is causing me financial distress, and I feel my right to a fair resolution is being violated. I request that my case be investigated and that I be given an opportunity to settle this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Below are dates of credit inquiries that I wish to have removed from my credit report TransUnion. I attempted to contact customer service at the credit bureau and their customer service would not help and take care of these negative inquiries reporting to my credit report.      XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX     XXXX    Inquiry   XXXX   XXXX ,  XXXX   XXXX    Inquiry    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX    XXXX   Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX    XXXX     XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX    XXXX   XXXX   Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry  XXXX   XXXX ,  XXXX
Product: Vehicle loan or lease

My complaint is about the vehicle loan I received from Santander Consumer USA. 
Santander Consumer USA ( https : //myaccount.santanderconsumerusa.com/Home/SignIn ) On XX/XX/2020 I made a payment of {$520.00} to cover the month of XXXX and XXXX of 2020. I also made another payment of {$260.00} for that one to cover the month of XX/XX/2020. So why am I being billed to make a payment on XX/XX/2020 We called them on XX/XX/XXXX at XXXX XXXX XXXX. We were told that they will put in a request and that we should check later that afternoon with the website to see the changes in our bill. We did so and today XX/XX/2020 we still see that we are being charged to pay on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX 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 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: Checking or savings account

Citi Reference Number : XXXX I have been a CITIBANK credit card customer since 2021, I decided to open an ONLINE checking account for my new employer. Everything was perfect and right after my first deposit ( {$190.00} ) which the bank requires upon account opening, CITIBANK BLOCKED MY ACCOUNT AND THEN CITIBANK CLOSED THE BLOCKED ACCOUNT AFTER OPENING/DEPOSITS for no reason, holding my money and preventing me to withdraw it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Also Known As : XXXX, XXXX, XXXX  Also Known As : XXXX, XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX  XXXX XXXX  The information listed below, which appears on my credit report, is the resXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I lived in the XXXX XXXX in XXXX, Ohio for around 2 years and enjoyed it very much but communication with management was always difficult. In XXXX   of XXXX i decided to move out because i was only going to be attending the University of XXXX XXXX until the middle of XX/XX/XXXX and didn't need to sign another year lease at XXXX. I contact management and continued to move out paying my final dues. I then finished school and moved back home by XX/XX/XXXX. On XX/XX/XXXX i received a collection on my report for {$130.00} from National Credit Systems. I called and came to figure out it was for utilities in the apartment. At this point I've been moved out of the apartment for going on two and a half months and was never contacted or informed i owed on these utilities. I honestly thought the utilities would be turned off shortly after i moved out. So over time i have been thinking the best way to handle this without hurting my report. I have no problem paying the collection in full, but i am most worried about having this derogatory mark on my report. My goal here is to get the collection removed from my report so i can continue my journey in good credit and business endeavors.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to file an identity theft report through XXXX XXXX  XXXX and Per FCRA section 605B, Experian, XXXX and XXXX Credit Bureaus are required to remove and block any inquiries listed on an id theft report and, ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please see the ATTACHED documents to assist in the removing of the specified inquiries which are being posted to my credit reports. Here is the list of inquiries which do not belong to me or were opened without my permission : EXPERIAN : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

Hello, before I applied for a card I spoke with their customer service to ensure that I would be able to get a balance transfer with my card selection. I confirmed not once, but twice the ability for me to do a balance transfer with this card which they confirmed yes. I then applied for the card and got it, but they will not allow me to do the transfer. Not because I am not eligible, or approved, but because they do not do it for this card. Now I am stuck with the hard ping on my credit report which I can not undo, and they can not undo. It was clear and blatant lying, deceiving, and false advertising on their part which I the customer am now having to deal with the negative effects.
Product: Debt collection

On XX/XX/, I tendered payment to NELNET/ US DEPT OF ED in the amount of {$79000.00} but NELNET continues to make attempts to collect the debt and report the item negatively on my credit reports as unpaid. I tendered payment. OnXX/XX/XXXX, I disputed the item as prescribed in law under the FCRA and FDCPA and I requested NELNET to provide the original contract bearing my signature and the comprehensive accounting of the account but they willfully ignored my request and claimed " We are unable to adjust your account at this time, because your credit inquiry was incomplete, invalid, or a goodwill* request ''. NELNET violated the FCRA and FDCPA by reporting my account with negative remarks on XXXX XXXX and XXXX, for a debt that I dont owe, therefore since NELNET can not validate the debt, NELNET must request that all credit reporting agencies delete the entry.

Other than that, this account was created by fraud because I never gave permission to NELNET to withhold the comprehensive accounting information from me. The comprehensive accounting is not proprietary information, NELNET does not get to hold that information and I demand to see that information. If NELNET fails to provide the comprehensive accounting or prove that this debt actually exists and that is what a full and complete comprehensive accounting will show, then Ive already paid through legal tender of payment, government obligations remittance coupon dated onXX/XX/XXXX in the amount of XXXX. If there is a remaining balance, then it is false debt and NELNET hasn't applied all credits to the account and NELNET did it intentionally because I asked for a comprehensive accounting and not a billing statement. I want a complete and full comprehensive accounting of every transaction associated with my account to show that this debt exists.

Lastly, the retaliatory action taken by NELNET via credit reporting agencies will result in a small claims action at my local venue. Their actions has caused me significant harm, defamation of my character, job loss, humiliation, inability to acquire credit, home, water, phone, and other necessities of life. There is fairness in the Law. NELNET violation of the Law has harmed me physically and mentally. I request the CFPB to investigate this matter and make NELNET provide the original contract bearing my signature and the complete and full comprehensive accounting of this account. 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Experian Dear Experian, There are multiple spellings of my name and listed addresses that are not associated with me on my credit report that is incorrect. My name is spelled only one way XXXX XXXX XXXX. My address of 25 years is XXXX XXXX XXXX XXXX XXXX, FL XXXX. I request that any address other that the above-mention be deleted. They are associated with crime ( s ) of identity-theft. You were also sent a copies of a sworn identity-theft affidavit and identity-theft report filed with the federal trade commission. However, these inaccuracies still remains on my credit reports which is a violation of THE FAIR CREDIT REPORTING ACT in which states that the reporting of inaccurate information shall be deemed as a violation. These addresses and misspellings of my name prohibit me from verifying my true identity with creditors. I have exhausted all remedies failure to comply shall lead to litigation.