23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX   XXXX  and XXXX  have both completed their research and determined that XXXX XXXX XXXXXXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX in XXXX Va and XXXX XXXX both denied me a car loan using erroneous information from Experian. The details of my credit history is as follows. I have a XXXX XXXX of XXXX, can't get much better than that. I have NO loans and the majority of my purchases are on my XXXX XXXX card that I pay off in full every month. there are a couple of credit cards from stores etc, I hardly use them and I. pay each and every one in full at the end of the month. I am retired, I own my home, no mortgage. No car payments or other consumer loans. I have assets in excess of {>= $1,000,000} the majority is in my retirement investment account, the rest in a bank or is real property. by any account I am an excellent credit risk. The explanations from XXXX and XXXX XXXX, make no sense and couldn't be a conclusion gleaned from the experian credit report. I believe I am the victim of discriminatory credit practice.
Product: Vehicle loan or lease

XX/XX/2017 I was XXXX XXXX XXXX and was going over motor vehicle purchase contract and found missing information of the vehicle identification number and the odometer. I told them to fix the issues and I would come back and sign the contract. They never called back the vehicle was released to me that day. 2 weeks later I went back and requested the contract and was told it was taken care of. I still to this day have never had a signed contract with Credit acceptance corporation. And by Wisconsin statute trans 139.05 the contract must show include year, make, model, identification number. They also then submitted false statements about repairs made to the vehicle that stated they made repairs but only paid for XXXX  dollars of a diagnostic fee from a towing company. And made claims that they made XXXX in repairs and their receipt shows that money was to cover transportation cost not repairs. They used intimidating statements throughout the process. The sheer number of violations including requesting a judgement and repossessing a vehicle without a valid contract as well as damaging that property. This shows excessive unfair sales and consumer violations. They also violated the dot requirements to submit for repossession title and notify the state of any handling of this contract. You will also not the only initial on the contract is arbitration clause and that they voided arbitration clause on filing a summary judgement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Legal Department Subject : Request for Investigation and Correction of Credit Report Information Dear Sir/Madam , I am writing to formally dispute the accuracy of specific information in my credit report, as provided under 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. After reviewing my credit report, I noticed several discrepancies that I believe are inaccurate, incomplete, or unverifiable. 

The accounts in question are listed below for your reference : Account Name : XXXX XXXX XXXXXXXX, Account XXXX In accordance with the rights granted to me under the Fair Credit Reporting Act ( FCRA ), I kindly request that you investigate the accuracy and completeness of all information associated with these accounts. If, after your investigation, the information is found to be inaccurate or unverifiable, I ask that it be promptly removed from my credit report. 

In addition, I would like to remind you of your responsibility to complete this reinvestigation within 30 days. Should you be unable to verify the accuracy of the information within this timeframe, I expect the immediate removal of these items, as required by law. Moreover, I request that you review the procedures used to report this information in the first place to ensure compliance with the standard of maximum accuracy required under 15 U.S. Code 1681e ( b ).
Product: Debt collection

This company unlawfully reported my account numbers to 3rd party businesses and now my personal information is floating around XXXX in another country
Product: Credit card or prepaid card

They pushed me by advertising to apply for this credit and when I apply for it I get denied and my credit score want down XXXX XXXX by hard inquiry check to my credit score and now I can't dispute this check. And is going to effect in my credit score for long time. Plz I want to remove the inquiry check from my credit score history plz. And I don't know why I get denied..there is something weird in this bank the one I was talking about. He is ( bank of America )
Product: Debt collection

XX/XX/XXXX MIDLAND FUNDING LLC removed ALL of my funds from my both my savings and checking accounts at XXXX  XXXX XXXX. They continue to do so, including my child support depict deposits. In addition to these unexpected actions, MIDLAND FUNDING LLC removed an additional {$15000.00} from my checking and an additional {$15000.00} from my Savings. I spoke in person and phone multiple times with XXXX  XXXX XXXX and they could only say this is a garnishment, appeared very uninformed themselves, and allowed this garnishment without any provided documentation proving that this is a valid garnishment. MIDLAND FUNDING LLC was then put on the phone with me ( without my knowledge or permission through XXXX  XXXX XXXX Branch Management ) and said they believe I opened a credit card in XXXX for {$2500.00} and had a court case with the credit card company called XXXX, which is false and this debt has nothing to do with me, nor do any of my credit reports show this debt. They still continue to take funds out of my accounts, including my XXXX XXXX payment. I have had zero communication with this company and there have been NO papers served to me prior to these actions about any court case. They do not have the right to take my funds out of my accounts and an additional over {$31000.00}. XXXX XXXX XXXX has not protected my funds and they also have not previously contacted me about these actions, nor have I had any communication with MIDLAND FUNDING LLC. Neither have shown any documentation proving that this garnishment is valid and why they honored the garnishment. I have formally disputed this as an invalid and false garnishment under Regulation E. I have filed a report with the XXXX Police Department Financial Crimes Division case # XXXX. XXXX   XXXX XXXX has a fiduciary duty to protect my funds. I have excellent credit and just recently obtained an auto loan and credit card with XXXX  XXXX XXXX a couple of weeks prior to these events. This is a crime and I have been wronged, my accounts are in the negative and my own funds not accessible while I'm in XXXX  and raising my daughter as a single mother. MIDLAND FUNDING LLC, after my own personal research, have multiple names and seem to illegally acting under different names. Any money removed from my accounts is not acceptable and illegal.
Product: Credit reporting or other personal consumer reports

I sent a letter to Experian to open a dispute for the XXXX XXXX Account ending in XXXX because the account is reporting inaccurately so Experian is in violation of the the law according to the FCRA ( Fair Credit Reporting Act ). No dispute has been started. They have not sent any proof of the account being verified or proof on how they were able to verify the account to be reporting accurately. They are clearly recording a violation of the FCRA. Along with the letter, I have sent a legible copy of an identification affidavit, drivers license ( front and back ), social security card copy, and a utility bill for proof and verification of myself. No credit repair company is involved, all documents have been sent from me, XXXX XXXX to the credit bureau.
Product: Credit card or prepaid card

I contacted this company several times because their system would not allow me to pay my credit card bill. 
On XX/XX/XXXX the phone assistant stated that their system was having issues. 
On XX/XX/XXXX I called and was told the system was still having issues and during that conversation I chose to just close the account. 
I was told that I would receive any amounts I had left on the secured credit via check in 7 business days. 
This company has reported to the credit reporting agencies that I had an outstanding amount when they owe me a refund.
Product: Debt collection

XX/XX/XXXX-I received a letter in the mail that RPM ( Receivables Performance Management LLC ) is trying to collect a debt from XX/XX/XXXX, for XXXX XXXX saying I owe {$120.00}. I have never had an account with XXXX XXXX and this is the first I heard that I owe money for a XXXX XXXX account, I have never received anything from XXXX XXXX saying I owe them money ... .I think this company RPM is a FRAUD/SCAM!! I called RPM at XXXX, I spoke with a guy that eventually hung up on me, then I called back, got hung up on again, called back got a different lady that could barely speak English ( or so I thought ) until I said, " I 'm sorry can I speak with someone else I ca n't understand you '', suddenly she started speaking plain English!! then I am transferred to a so called manager, I opened a dispute with them and gave them my email address and telephone number ( which they got by caller ID ) - I am freaking out because I know this is a scam!! I then called XXXX XXXX XXXX they checked my name and address and said I do not owe them anything. The lady tried to connect me to XXXX disputes XXXX ; she said they have heard of this from several people. ***I know XXXX had a breach of information just a couple of months ago****
Product: Credit reporting

Withing the last five days, my EQUIFAX credit scores dropped by over XXXX points in one fell swoop. I monitor all XXXX credit reporting bureaus via XXXX and other services. Neither XXXX or XXXX registered such a radical downgrading. I called EQUIFAX and spoke to an overseas representative who simply read old negative data entries without being willing to specifically share with this consumer what specific new item actually correlated to the double digit drop. In the past, I had to struggle with EQUIFAX over similar behavior. In every instance, they refused to go over the cause of any adverse action. This is unfair, arbitrary, and counter to consumer protection rules. I want the score restored.
Product: Debt collection

Sent a letter on XX-XX-2018 to validate the debt. Fair Collections and Outsourcing sent a letter stating that I owe XXXX not Fair Collections and Outsourcing. The amount was different. It says I owe XXXX on my credit report. In the letter it states I owe XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX of XXXX Florida and Santander Consumer USA, agreed to a 72 months Auto Loan Agreement on XX/XX/XXXX. However, due to a very challenging divorce that was financially destructive, I missed some payments, and made Santander aware of my financial situation. During that time I was always in touch with Santander, keeping them abreast, and paid whatever, and whenever I could. Santander advised me that they would add the missed payments to the back end of the loan with out penalty. Not very long after, I eventually regained my financially strength and was able to continue making the agreed monthly amount, and sometimes a bit more. On XXXX of XXXX, I noticed that my original maturity date was in XX/XX/XXXX, so I reached out to Santander and requested an explanation as to why my balance amount was so high, around my maturity date in XX/XX/XXXX. There were no sensible explanation given, and my maturity date and amount kept on changing. The maturity date kept on moving each month from XXXX and finally stopped in XX/XX/XXXX, when Santander reached out to me, and tried to get me to extend the loan. Due to Covid-19 and lost of job and income, I was unable to pay the large amount of over XXXX XXXX dollars, which was the maturity date amount, and was very curious about why there was such large balance after 7 years of payments on a {$16000.00} agreement. Again I reached out to Santander for an explanation, but was threatened, and XXXX  off the phone without any solid explanation. In XX/XX/XXXX I reached out to an accounting firm and they requested the original agreement, which I later acquired a copy from Santander, after several failed attempts. The accounting firm conduct a review of the agreement and concluded several illegal charges, and further advised me to seek legal council to dispute the alleged over charges. While working with a Law Firm, I then continued making my monthly payments until XXXX of this year XXXX when I paid off over XXXX XXXX dollars, which finally brought the balance to a XXXX balance. However, I noticed a major drop in my credit score, and later realized that Santander reported my payments late since XXXX of XXXX through to XX/XX/XXXX, and a charge off of over XXXX XXXX Dollar balance was also reported on my credit as well. Lastly, It was also reported on my credit that the loan agreement was an 84 months agreement, when in fact was a 72 months agreement. I know that I missed some payments during my divorce periods, and therefore is not disputing those late or missed payment, but based of the ( FCRA ), Santander violated my rights in negatively reporting false information on my credit files. Therefore, I am requesting an immediate removal, and an investigation regarding the legitimacy of the additional charges, as well of the term of the agreement. On top of all the errors made by Santander, I have also attached a copy of correspondence received from Santander followed by calls related to the attached letter in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Inquiry not authorized by me Hard Inquiry Equifax Mtg Inquiry from XX/XX/2020 XXXX
Product: Debt collection

Portfolio Recovery did not notify me before sold my debt to a law firm who is suing me now with portfolio refused to remove the account from my credit report after the account was sold to XXXX and XXXX. Both agency did not contact me I found out through the XXXX  county court and my court date is XX/XX/2020.
Product: Student loan

My name is XXXX XXXX Im a XXXX year old, XXXX  female. Im a XXXX XXXX and a XXXX XXXX XXXX. I have been XXXX XXXX as the XXXX XXXX for total of 8 years. For the majority of my career I worked as an XXXX XXXX XXXX and I recently transitioned to XXXX. Im a single mother insult provider of a XXXX-year-old, working full time. In order to become a XXXX XXXX I had to quit my full time job and sign a contract, prior to matriculating at XXXX XXXX University, stating I would not work in order to devote all of my time and energy a 28 month XXXX XXXX XXXX. 
Eight years later, I am now over XXXX dollars in debt while starting around XXXX. I have a credit score of XXXX and was manipulated into re-financing my student loans with MyFedLoan at an interest rate of 7.125 % under the guise that I would be enrolled in the The Public Service Loan Forgiveness ( PSLF ). I was informed one year later that I was NOT enrolled in the program and the hospital I was working for was bought out and no longer considered underserved. I attempted to call the contact whom assisted me in re-financing my loans and guaranteed my acceptance into the public service loan forgiveness program and unable to reach that individual. I called to obtain the recorded conversation from XX/XX/2019 and was told that they no longer keep those records. 
I rent a modest apartment for myself and my son. I receive no assistance from my son 's father, as we are unsure of his location. I drive a modest vehicle ( XXXX ) and we live pay check to pay check. I regret my career choice. I am unable to achieve normal life milestones such as buying home due to my overwhelming and steadily accruing debt. I currently have a loan payment of {$750.00} every month and feel helpless. I NEVER would have consolidated by loans with this company had I not been grossly misled.
Product: Debt collection

The most recent call was today at XXXX XXXX They have called me well over 90 times in about 4 months for somebody who doesn't even have this phone number and I've asked them not to call me back and they still do. They will call multiple times a day sometimes and they never leave a message. They are supposedly called M.R.S. associates and are in XXXX XXXX
Product: Checking or savings account

My son was adding me to an existing savings account as Chase Bank. To add me to the account they wanted additional personal information. Specifically, If I was employed or retired and the range of my annual income. These are questions I expect for a request to extend credit, but not for a deposit account. It was explained that this was part of the Bank Secrecy Act and an attempt to conform with Know your customer. This felt intrusive to me and I 'm not sure if this is overreaching from what is required. If it 's not over reaching, I feel that this is may be an unfortunate step to far. Especially in light of potential for data breaches that are constantly coming to light. Chase agents were polite and helpful.
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. 



The Following Inquires are a violation of my consumer rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following addresses are also in violation of my consumer rights. I am attaching proof of my real address by way of my state issued drivers license XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX The following alias listed on my credit report are a violation of my consumer rights : XXXX XXXX XXXX The following employers listed on my credit report are a violation of my consumer rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information listed on my credit report are a violation of my consumer rights 1988 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies.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. 

I have also filed an identity theft report with the Federal Trade Commission on XX/XX/XXXX, XXXX, report number # XXXX Fair resolutions Delete ALL accounts immediately Delete ALL addresses immediately Delete any alias immediately DELETE All Inquires Immediately
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt
Product: Credit card or prepaid card

Since living in XXXX, I have had numerous issues with the PNC at XXXX in XXXX. The latest is that they tacked on an {$85.00} fee as this is the 'second year ' that I have had this credit card and they charge every year except the first, according to PNC .

However, I had been with PNC in XXXX for 6 or more years and had had the same card all that time, with no fees tacked on at all. I had an excellent relationship with the PNC in XXXX, XXXX, and had no problems with them. 
I believe that they are fleecing me over here - my friends who are with other banks think that maybe PNC over here has financial problems, or perhaps that they are taking advantage of me because they know about my funds at another financial institution. 
You have not yet helped me with this bank, and I believe that they are taking advantage of me. Also, I am XXXX years old, and should be protected by someone.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/year>