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

Hello, Please, I am kindly asking you to investigate the accounts that recently appeared in my credit report. I have never had anything with these companies but now I have bunch of unknown items that destroyed my credit report score. Please investigate them all and remove as soon as possible. Thank you in advance. Please see the report and my docs attached below.
Product: Credit card or prepaid card

I disputed a charge from XXXX XXXX, in regard to being placed in a room next to an elevator shaft. Very loud, and a nearly sleepless night. 

Capital One sent me a link to upload documentation, but their link doesn't work and the customer service isn't available. 

Capital One needs to improve their dispute process. Also, XXXX XXXX needs to not put hotel rooms next to elevator shafts.
Product: Vehicle loan or lease

ally bank has a 10 day notice policy on totaled vehicles ( from insurance company ). I have clear documentation from ally 's own website showing i contacted them 6 days after the accident and my insurance also contacted them on the 7th day to pay off the loan in full. My insurance attempted multiple times to pay the loan off as shown in documents i have from XX/XX/XXXX and XX/XX/XXXX. i have documentation from XXXX showing they attempted to pay ally on XX/XX/XXXX the total amount but could not because the lien holder could not produce the title. Ally made no efforts to collect regular payments for the months of XXXX, XXXX, XXXX, XXXX and XXXX because they were fully aware of the claim being processed. In XXXX i began recieveing bills from ally for my normal car payment. They claimed it was for interest accrued while they waited for payment from XXXX. XXXX did not receive the perfected title until XX/XX/XXXX even after multiple attempts 4-5 months prior. Ally is refusing to accept documentation in any form other then mail. their customer service department has passed me around for 20+ hours on the phone with no changes, no willingness to help, and ive been hung up on multiple times. They are trying to force me to use gap insurance to pay over {$700.00} in charges that shouldn't be there in the first place. A quick review of their XXXX page will show this is the standard at their business. I also attached a document showing where ally refunded a payment of {$230.00} which brought my balance back up to {$7800.00} which was the exact amount payed to them in full ... proving they were totally aware of the situation on their own website. No one i spoke to could see that info until i brought it up and once i did i was told they would not comment on it.
Product: Credit card or prepaid card

I called capital one 3 times in regards to why my Walmart MasterCard was closed because in the website on my account it says the account is restricted which I have never seen before. The Walmart MasterCard was owned by synchrony bank and then was sold to capital one in XX/XX/XXXX. Looking into my account my account was closed without my authorization or consent. I asked them why capital one said they were not sure why it was closed. I called on XX/XX/XXXX to have my account reopened, capital one informed me that it would take a couple days for a response. I got a call on XX/XX/XXXX from the capital one representative that my account/. Walmart MasterCard could not be reopened they could not give me a reason why. I was so upset I have had this account with synchrony bank for almost 6 years before it was transferred and sold to capital one. I am a new customer and do not appreciate the lies and unprofessional business that capital one has shown me on behalf of this unfortunate event. This is unfair. Now I dont have a Walmart MasterCard credit card and its closed when I had a {$3000.00} credit limit which hurt my credit because of this account being closed without my authorization. I will not do business with capital one anymore because of the excuses and lies that were stated to me.
Product: Credit reporting or other personal consumer reports

I call Experian, XXXX and XXXX credit reporting agency, to remove inaccurate name and address on my credit report. I was inform by a rep to uploaded a copy of my Driver License, Passport, and Address on there website. As of yet see any removal of any inaccurate.
Product: Credit reporting or other personal consumer reports

I have contacted this company numerous times to remove the {$1300.00} from XXXX XXXX XXXX as they state I owe this to them. I DO NOT. This is medical debt that should not be on my credit report and I want it removed. This company is violating multiple laws. This needs to be removed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

A potential employer did my background check and there was a address on the reports that I never lived at nor do I know anyone who does.
Product: Money transfer, virtual currency, or money service

I heard about the new bitcoins increasing value and that it is a good investment specially if I do n't have a big investment budget, so I decided to try it and start my account with coinbase.com and made XXXX purchases. The first purchase was on XXXX XXXX, XXXX XXXX XXXX XXXX for {$910.00} USD ) and it was available in my virtual wallet on XXXX XXXX XXXX. The second purchase was on XXXX XXXX, XXXX XXXX XXXX XXXX for {$300.00} USD ) and it was available in my wallet on XXXX XXXX XXXX. My account has been XXXX for no obvious reason over the last XXXX weeks and there is no available customer service phone number to contact and they only provided an email and asked me to send them a photo ID and address proof in order to enable my account back. I did send them an email then they send an automated email back saying they do n't receive any requests or complaint on this email anymore and gave me a link to submit a complaint which was very unspecific and did not even give the option to upload the documents they asked for before. I submitted the complaint and they send they will reply to my complaint in few days and it has been more than 10 days and got not no reply. there is another weird thing that happened. when I started my account I submitted my business checking account to do the purchases through it, but the money were strangely withdrawn from my wife bank account. I thought that I XXXX have done something wrong even though I do n't have my wife checking account information on me. I did not really pay attention to this accident specially that they do n't have a clear customer service to contact to address this issue. right now the value of the bitcoin is over XXXX USD, when I made the purchases it was an average of XXXX USD.
Product: Checking or savings account

I tried to open an account at Navy Federal ( NF ) l. The supervisor rejected my application and stated " my whole business " is not supported at NF. I asked for a where it stated that NF doesn't support consulting businesses and she said it wasn't stated anywhere. I asked for this statement in writing as described by law and she denied that. 

She then went ahead to state that I had indicated that I " offered credit repair services '' which I never said ( A recording on the call should be produced for evidence ) My website said " We 'ensure ' credit repair, optimization and strategy to set up your business up for massive funding possibilities ''. Ensure means, we make sure and provide a review of your financial package ; not provide a credit repair service. The website clearly states " Consulting Services ''. This is a classic case of a " supervisor '' who made a mistake and instead of rectifying the issue when she incorrectly stated I provide credit repair services despite my website starting otherwise, stuck to her guns. I have attached my statement for identification of my account. 

Below is the website : XXXX XXXX XXXX
Product: Debt collection

I was contacted by this creditor regarding a debt from 2003. I notified in writing this debt is too old to be sued for and I asked not to be contact regarding this debt. 
I was than contacted again by mail, which advise me to call. I explained to the creditor XXXX that they are past the statue of limitations to collect on this debt, and she advised me that they can sue, then she said they cant, then she stated that they would keep me in collections. I than contacted your office, and I an now submitting a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX XXXX, to remove the following items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after I sent the last letter. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$390.00} XXXX XXXX  I XXXX Balance : {$300.00} US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$390.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : SANTANDER Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

I recently submitted information on a auto loan that I had with XXXX. They repossessed the car and updated my XXXX credit reports with XXXX  status. 

this auto was repossessed and PAID off through action. I currently do not OWE on this automobile. 

my credit report shows PAID on EXPERIAN and XXXX on XXXX AND XXXX. 

XXXX Experian XXXX XXXX Experian XXXX Account Type : Installment Installment Installment Account Type - Detail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Code : Individual Individual Individual Account Status : XXXX Paid XXXX Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$13000.00} {$13000.00} {$13000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Repossession Repossession Repossession Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of. I am a victim of XXXX XXXX of Debt of XXXX and would like for all listed accounts to be blocked and deleted. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/XXXX I am filing a complaint over unknown address on my credit report I have been trying to block access to my credit report do to the fact that someone is using my personal information. I am requesting a Block/Freeze on my file until I can get things straight. Please remove the following addresses from my credit file they are not mine : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have number on my report that are not my please remove/delete the following : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an Capital one Auto Finance and they have me reported late 7 times - is incorrect, I had agreement for payment that was supposed to place at the end of agree and they were counted as late and I paid XX/XX/2020 and still reported as late and is cause me to be unable to obtain an loan and difficulty to obtain housing or any other loans, XXXX XXXX XXXX acct ending XXXX, please reach out to them to assisted me XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX 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

XX/XX/XXXX - Opened an account with US Bank in response to an online promotion for {$500.00} on bonus cash if you opened a new checking account and completed {$6000.00} in direct deposits within 90 days. The representative confirmed - twice - that this promotion was applied to this account. 
XX/XX/XXXX - The third direct deposit was made, which now totalled to over {$7500.00} in direct deposits into the account, meeting the requirement. 
On or around XX/XX/XXXX - I contacted US bank to request information on the {$500.00} bonus, as it had been over a month. They confirmed the promotion was on my account, but stated it would be a month from the end of the promotional period, and thus would come in around XX/XX/XXXX. 
XX/XX/XXXX - It did not come in, and I contacted US bank to get information about the {$500.00}. An appeal was filed. 
XX/XX/XXXX - I received a callback, and we shared some additional information, and put in the appeal again. This I have received no callback on. 
XX/XX/XXXX - I contacted US Bank, and spoke with a woman named XXXX ( sp? ) who apparently didn't think I existed. I told her I needed the status on the appeal with a date of deposit or I would like to cancel my accounts. Despite giving all the information requested, she could not verify my account, gave some platitudes and notions regarding the promotion. When I then asked to cancel, she pleaded connection issues that she could not hear me. I wound up hanging up. 
XX/XX/XXXX - I called in and spoke with a woman named XXXX. I told her I wanted to either get the status on the appeal or close all accounts. She stated the appeal still appeared open, but would have to transfer me to XXXX  banking for more information. She gave me a phone number ( XXXX ) in the event the transfer failed. The transfer did, in fact, fail - she hung up on me. When I called the number, it was mobile app and online technical support, not XXXX  banking. 
XX/XX/XXXX - I found, via online search, the XXXX  banking number ( XXXX ), and contacted that number. I again spoke with a banking representative and told her the same thing - either I need the date the money will be deposited, or I would like to close all accounts. She said she would research it and put me on hold for an extended period of time and then hung up on me. 

There appears to be a pattern that if you intend to close an account, they will use any attempt to get you off the phone to prevent you from doing so. This is after - via negligence or malice- repeatedly failing to honor their promotion.
Product: Credit reporting or other personal consumer reports

ACCOUNT XXXX  XXXX I need to know who the original creditor is because this account isnt familiar to me. I dont agree with it. Would you agree? Im just trying to be real and honest.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2019, I sent a letter to the alleged furnisher XXXX XXXX XXXX courthouse asking the clerk do they report bankruptcies to the credit bureaus? I received a letter stating They do not report any bankruptcies to anybody. So if thats the case, how did Transunion credit bureau verify a bankruptcy as 100 % Accurate on my credit report?? TRANSUNION never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Transunion and LCI also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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, credit repair services, or other personal consumer reports

i am a victim on ID theft, there are som inquiries on my report that I didn't allow
Product: Debt collection

AFFIRM INC - XXXX I hope this message reaches you in excellent condition. 

I am writing to bring specific inconsistences in my credit report to your attention, specifically pertaining to billing errors as outlined in : 15 U.S. Code 1681a - Definitions ; rules of construction | US Law | LII/ Legal Information Institute 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditors failure to accurately reflect a payment made by the obligator or a credit issued to the obligator on a statement ( 5 ) A computation error or similar accounting error made by the creditor on a statement Its my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditors bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late-a sign of an invoicing error-therefore. 

I humbly request that the subsequent entries be promptly, updated on my consumer report to reflect their current status as follow : paid as agreed.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX approved a loan and my name XXXX XX/XX/XXXX I did. It open this account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Texas XXXX XXXX this is there information I got from my credit report
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Florida XXXX ( XXXX ) XXXX XXXX Atte : Capital One Dispute XXXX XXXX Dear Transaction Dispute Department. 


I am writing a letter to dispute a charge that was made to my credit card Savor ending # XXXX by XXXX  XXXX XXXX XXXX car dealer, located at XXXX XXXX XXXX XXXX XXXX Florida XXXX. 

On XXXX the XXXX I purchased an XXXX XXXX XXXX XXXX at the same location above and I met with Owner and/or Manager XXXX XXXX XXXX . 

I told XXXX that I was interested to purchase an XXXX XXXX XXXX that I saw in his car dealer web site for the price of {$270000.00} ( Please see XXXX Report enclose ) I put my old vehicle as dawn payment ( price owned in the XXXX XXXX XXXX was {$6800.00} ) XXXX XXXX XXXX gave me a price value for my XXXX XXXX XXXX - {$6800.00} = XXXX. 

I met with the financial Manager XXXX XXXX XXXX that he said that the price for the XXXX XXXX XXXX will be {$27000.00}. 
Plus, Taxes XXXX Government certificate. {$250.00} -Government Fee {$96.00}, = Total Amount of XXXX XXXX credits for my XXXX XXXX was XXXX. ( Please see contract. ) XXXX XXXX XXXX wants to charge me for my tag {$290.00} but, I stated that I was using my own and to do need for transfer. 


THE XXXX XXXX XXXX XXXX XXXX PROBIDED BY XXXX XXXX ON YOUR INBOX. 
WHERE IN THIS CONTRAT SAID THAT THE VEHICLE WAS {$31000.00} WITH XXXX XXXX DOWNPAYMENT. THAT IS INCOREECT. 
XXXX XXXX Finance manager XXXX XXXX overcharged me WITH hiding fees without disclosing anything XXXX XXXX. 
XXXX XXXX charged me with predelivery fees with an amount of {$980.00}. 
XXXX XXXX charged me with XXXX XXXX Destination and Handling {$990.00} in a used vehicle. 
XXXX XXXX charged me for inspecting the vehicle and adjusting with an amount of XXXX. 
On XX/XX/XXXX, I contacted the dealer to go over the contract and make some adjustment due to that the {$4000.00} was not adjust onto the original price for the vehicle {$26000.00}. 
On XX/XX/XXXX, I contacted XXXX XXXX more than twice ; he stated that he will made the adjustment. 
On XX/XX/XXXX, I contacted and Spoke with the XXXX XXXX owners and XXXX XXXX XXXX he said that he would investigate. 
On XXXX the XXXX, I contacted the dealer again and spoke with manager XXXX, he stated that the owner was not available and he was not aware of those charges. 
They charged me what? I almost got into a car accident due to one of my tires exploded. please see pictures. 
I met with XXXX XXXX XXXX and the XXXX XXXX services manager changed only two back tires not the front. Please see pictures.