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

In XXXX on XXXX my vehicle was repossessed. In XXXX of this year ( XXXX ) i began receiving parking tickets in my name for the vehicle I have not had. I transferred liability with the California DMV last year however capital one still has my information for the vehicle. I contacted capital one in XXXX of XXXX to inform them of the situation. A representative told me they will request some sort of documentation indicating I have not been in possession of the vehicle since XX/XX/XXXX. As of yet I have to receive anything. I try to contact them however Ive been given a run around between capital one and their servicing company. Im now receiving parking tickets that the new owner is getting in my name and the city of XXXX in California is charging me
Product: Credit reporting or other personal consumer reports

I recently applied for a home loan and notice fraudulent reporting on my consumer report I did not give written permission or instructions for the identified transactions to be reported on my consumer report i am requesting that this be brought to you guys attention ASAP AND BE REMOVED AND BLOCK my request is not being made in error or is my request to BLOCK AND REMOVE basis of a material misrepresentation of fact by relevant to the request this information and transaction made by me as a consumer 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 PLEASE REMOVE WITH IN 4 BUSINESS DAYS PLEASE AND THANK YOU
Product: Checking or savings account

On XX/XX/2021 I opened a saving account with Chase Bank. The account was opened with the intention of receiving my retirement payment. On XX/XX/XXXX, XXXXI received a letter specifying the cancellation of my account. The letter did not explain the reason my account was cancelling, the letter has no signature or person responsible of cancellation. On XX/XX/2021 I called to Chase customer services, and after I was transferred twice, no one was able to explain it. So, next day XX/XX/2021 I went to the Chase branch were I opened my account. I was told that it was a decision made by Corporate office, nothing else. 
I feel discriminated, maybe because I am XXXX or for the small amount of {$300.00} used to open my account. 
Now, thanks to chase, I have to go to different bank to open a new account, call social security department, and start the process again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the removal of all Fraud Alerts from my credit report. I am trying to buy a car and I can not access my credit file with the Freeze/Alert on it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX DOB XXXX SS XXXX
Product: Mortgage

Ive been trying to refinance my loan with another company and they sent Villiage Capital a later requesting the 30 day Pay off and after their allotted 7 day period, company called Village Capital to see if they had an update on the payoff since the 7 days were up and they said they lost it and that we needed to resubmit our request which is delaying my process Im closing. After being harassed with phones day after day they still continue to call and dont want to send the pay off in order for me to close.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : FactorTrust , Inc. XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update XXXX XXXX with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the charges and collections listed on my credit report. I dispute the accuracy of the information provided by the credit reporting agencies and request that these items be removed immediately. 
XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXX XXXX Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX  XXXX Charge Off Account I am emotionally distressed by the presence of these negative marks on my credit report. They are affecting my ability to secure loans, housing, and employment opportunities. The Fair Credit Reporting Act requires that information on my credit report be accurate, and I believe that the charges and collections listed are not. 

I request that you provide me with evidence that these charges and collections are accurate, including documentation of my alleged agreement to the terms of the loans and credit lines in question. I also request that you provide me with information on the companies that have provided information to the credit bureaus, as required by law. 

Under the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe to be inaccurate. I expect that you will take prompt action to investigate and remove the disputed items from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I have a car loan with Ally auto and they keep tagging on erroneous fees with no explanation. My last statement and my last car payment was XX/XX/XXXX of 2023. The amount of the car payment was XXXX with erroneous late fees of XXXX total amount due before payment on XXXX statement was XXXX paid my last car payment which the only thing left would be the disputed late fees of XXXX XXXX today when I looked in Ally Auto without any explanation any statement, nothing says I owe an additional {$190.00} They kept giving me different excuses but clearly on my statement it shows no additional charges they tried giving me different excuses and none of them added up. I have a copy of my last statement as well as on the website it says I only owe the disputed late charges but when I go to look at a snapshot of what my total is they added on the {$190.00}. 
with no provision as to why on top of that I have auto pay set up and in XXXX where I dont even have a car payment due they were going to deduct another {$370.00}. I have repeatedly contacted Ally Auto. I have contacted their corporate office theyre never there nobody ever picks up the phone and their customer service reps. Do not speak English very well, theyve given me 15 different answers on this erroneous charge and I have the documentation to prove that I do not owe this charge
Product: Checking or savings account

On XX/XX/XXXX I went to login to my online account and couldnt login. I call Navy and was put on hold for over 30 minutes and then had to go to work so I hung up. The next day I called back and was told I spoke with security department and they blocked my account and all my accounts will be closed. I had no knowledge of this. I was also told I couldnt be transfer over to the department. I have not done anything wrongful to have my accounts closed. Someone XXXX money into my account and I was told by another rep that it was a XXXX scam. I have nothing to do with any scams. I have a car note and credit card payment that I cant pay because I have been blocked with is causing harm to my credit score. I have had my account for over 5 years without any issues and now Im being told I was in a XXXX fraud scam. I have never done anything scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has 4 accounts in which they receive 6 payments every month. 1 account has been receiving far too much money resulting in over-payment of {$1300.00}, while another account receives no payments. I have alerted XXXX XXXX  of the issue and told them that they need to reapply the money to the account that was overpaid to the account that was not receiving the proper payment. We have all the supporting documents from my Bank bill pay and they are willing to send them documents dating as far back as three years ago. We have called and spoken with several XXXX XXXX representatives and they have stated they were aware of the issue and that was a problem on their end and that they would fix it. However it has been a month and they have not fixed the issue nor called me back about it, and they absolutely refuse to send an email so that I may have further evidence on their statements.
Product: Credit reporting or other personal consumer reports

In accordance with the 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 XXXX Account Number:XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 may make any consumer report containing any of the following items of information Any other adverse item 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 ) 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: Checking or savings account

We have called Wells Fargo on 7 separate attempts, the last one yesterday wanting to speak with a supervisor, and we waited over an hour and while we continued to wait, we were hung up on. We only needed bank statements and a closing statement to help our disabled resident out to get XXXX to continue the care he needed. We had everything that was needed for the information and verifications, and they still wouldn't help us. Each worker would tell a different excuse, and none would be the same. This is ridiculous and not professional. This is not the first issue we have had with Wells Fargo either. This is on behalf of one of my residents I am the XXXX XXXX XXXXXXXX for the home.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts are reported on my credit, without an authorization, please review them, they are hurting me Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 
Identity Theft 01 COMENITY BANK Account Number : XXXX This is not mine.
Product: Bank account or service

My son and I went into the US Bank on XXXX XXXX XXXX in XXXX XXXX at XXXX to open a new checking account. The Teller ( XXXX ) refused us service and stated that she can not help us because opening a new account takes 45 minutes and we close at XXXX. I find this practice to be deceptive, unfair, and discriminatory! If US Bank advertises that they are open until XXXX, how can they deny a customer service? I work during the day and my son had just gotten off work, so this was the only time that we could get there. I 'm shocked that they refused to help us!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a alert/notice from Equifax to enroll for XXXX   IDnotify monitoring service, as Equifax is collaborating ( transition ) to XXXX this subscription. I promptly contacted BOTH companies via email and customer service numbers provided and neither were able to provide the process or means to register for the solicited monitoring service. Both dismissed the solution to registering for the monitoring service ( ID notify ) at no charge for 2 years.

Several Federal issues for compliance are violated when an offer is extended and detail/means to transition are not specifically disclosed or available ( particularly when a live person and chat program are used in the communication ). 
A total unethical environment is associated with Equifax ( legal issues are massive ), and it seems XXXX is now in association! 

I want to register for this solicitation/offering!
Product: Vehicle loan or lease

XXXX XXXX has committed a Fraud by selling me an unfinished Car. They have made many false promises in order to sell their product. Chase Auto was their Finance Partner and they should also be held accountable. First they gave loans at a very high rate of interest and within a couple of months they dropped rates to lure new buyers. I dont believe they were not aware of XXXX financial situation back in XXXX XXXX. I purchased the car in XX/XX/XXXX. 
XXXX has filed for bankruptcy and will not be able to honor warranties and has not committed to giving owners promised features of the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are several Hard Inquiries that I don't recognize, they are fraudulent, without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have asked Equifax to update my file many times this year to remove the multiple names they have listed for me, just written differently. To remove all unauthorized hard inquires, and any collections they have. I also sent out a letter requesting this information on 10/10/17 and it is now 11/13/2017 and Equifax has not responded. According to the FDCPA a creditor has 30 days to respond or everything asked on the letter should be removed. 
I would like them to only have 2 names which one is my maiden name and the other is my name though marriage, there is no need to have 8 different names of the same name just written in different order. 
Please update my name to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX current and only address need to be showing XXXX XXXX XXXX XXXX XXXX NC XXXX
Product: Credit card or prepaid card

Account was opened on XX/XX/XXXX Account was closed by issuer ( Navy Federal CU ) XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I had {$3200.00} on my XXXX  ( XXXX XXXX  ) I went to transfer it to my bank but didn't realize that the account was an old account from Chase Bank that was already closed. I have contacted both XXXX and Chase Bank to they keep going back and forth and still have no money. 

When I contacted Chase they stated that they reversed the transaction. They provided me with these two numbers : Trace # XXXX Trans # XXXX They stated that XXXX XXXX  ( XXXX XXXX XXXX ) has the money and XXXX says that Chase told them that they had it.
Product: Checking or savings account

My account was frozen with my money in the account, for at least 10 business day 's still wasn't able to take from my account. Year 's from XXXX though XXXX. Happened with direct deposit as well. Then closed my account Said that I owe wells Fargo payments.
Product: Debt collection

The phone service with XXXX was terminated by me several ( more than four ) years ago. I decided to go with another carrier. I left XXXX on good terms. A few years later I was contacted by a debt collector asking for payment. As we discussed the matter further, it was clear to me that the debt in question was not mine. As the representative shared the address connected to the debt in question, I came to realize the address was not mine ( and never had been mine ). I explained to the debt collector, that they obviously had the wrong person. 
I thought the matter was over. It was not until I saw my XXXX XXXX account that I noticed that this issue was back. Very frustrating!
Product: Credit reporting or other personal consumer reports

I was offered I didn't reprotection for 2 years because it was a data breach. My identification was Leak on the dark web. I tried everything I can to fix the problem. 3 credit freezing services etc..
Product: Credit card or prepaid card

my complaints are against XXXX  capital one and credit one. they have refused to accept any type of payment because i tried out of my bank account which was registered with these companies and they will take payments from my account that are legitimate but then send the check back which cost me more money the take the money out a week late sending me into overdraft but then when you call them they say they don't even know if you have a bank account. then they call repeatedly saying that you are not making payments. plus my cards have been for about 3 years and i reported it as soon as i noticed them missing and was given the response of what business is it of ours because you owe us. and then they refused to close my account. now 4 years after they started reporting to the credit bureaus that i owe them XXXX when its on my reports that i owe them only XXXX but they want the money up front. this prevents me from getting a job because they constantly call and harass me. then when i call them to complain i get the response that its no concern of theirs. then they start putting negative reports on my credit report and putting me under collections. they always wait until after they cost me a job before they start with the calls and bills, but they leave me alone when i do have a job. so i am filing this report because i have tried to call them and report my cards missing, i have also tried filing reports but have been ignored. also when i try for a credit card im denied because of these claims. i also had XXXX  visa and master cards that were stolen about 6 years ago the same day i was pushed in front of and struck by a train. these cards were being used the whole time i was on deaths door stop. i had reported this to the credit bureaus once i was able to. i want all these negative and fraudulent reports off my credit report and my credit restored. this is the first time i am writing to you because i am getting sick of not being able to find or keep a job due to harassing constant calls about money i don't owe and then to have my credit score negatively affected due to the fraudulent reports also im tired of almost being hit by cars and losing my life to this XXXX  as well as being denied housing and other credit cards i have applied for and have been denied due to nonpayment of debts that i am not even aware of. also capital one and credit one say that after every 6 on time payments they increase the credit limit but for me they stopped after the third payment because they started callig all my payment methods fraud and claiming that they did not know if i even had a bank account the very same issue has arisen with finger hut and i want this stopped and corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I mailed a detailed certified letter to Santander Consumer USA stating that they violated my consumer rights. 
15 U.S. Code 6802 Obligations with respect to disclosures of personal information 15 U.S. Code 1681Congressional findings and statement of purpose 15 U.S. Code 1681b - Permissible purposes of consumer reports. 
I requested that Santander do an investigation and provide documentation that they were given written consent to report my transaction on my consumer report. I asked for permissible Purpose documentation. and they are willfully in noncompliance and that they are liable for the sum of {$100.00} and not more than {$1000.00}. 

On XXXX XXXX Santander Consumer USA acknowledge that they did receive my letter and gave me copies of my transaction history. Santander Consumer USA failed to provide verified documentation. such as disclosure documents or permissible purpose documents. in fact, they stated how I could file a dispute letter, which was irrelevant because they were responding to my dispute letter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of a debt associated with my account [ Account Number, if available ]. 

I have submitted supporting documentation to your company, Experian, and XXXX demonstrating that the reported information is incorrect. Additionally, I have filed a complaint with XXXX XXXX regarding the inaccuracies in your reporting. Despite my submission of clear evidence, XXXX XXXX has responded by stating that the information is correct. 

However, on XX/XX/year>, I received a notification from my Experian dispute account stating that you have " verified the information, and there is no change ; the accounts will remain on my credit report. '' This response is unacceptable, as I have provided proof that this debt is inaccurately reported and should be removed. 

Your continued failure to correct these inaccuracies constitutes violations of multiple consumer protection laws, including : The Fair Credit Reporting Act ( FCRA ) : You are legally required to ensure the accuracy of the information reported to credit bureaus. The continued misreporting of this debt, despite receiving proof of inaccuracies, violates my rights under this law. 
The Fair Debt Collection Practices Act ( FDCPA ) : You must provide proper validation of the debt and may not engage in deceptive or unfair reporting practices.
Product: Student loan

I enrolled in the XXXX plan over a year ago and was approved for {$0.00} payments. I noticed that my interest was continuing to accrue on my Nelnet account, so I reached out. They confirmed that I was enrolled in the XXXX plan and that my interest was accruing but " would be forgiven at some point in the future ''. They were not able to tell me when this would occur. My interest is still listed on my account and I am beginning to become concerned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft. I never applied for a XXXX credit card account. The following XXXX credit card accounts do n't belong to me : XXXX and XXXX. I have never applied for a XXXX credit card account.
Product: Credit reporting or other personal consumer reports

The credit bureaus ( Trans Union, XXXX, XXXX, XXXX ) All are reporting inaccurate information on my credit report. I reached out to them to have this information verified and deleted. They responded that they verified the information, which they clearly DID NOT. The information they are reporting is incorrect.