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

Contacted transunion for 9 unauthorized/incorrect hard inquiries on my credit report, representative told me he couldnt do anything until I sent in letters, ( which I did ), contact my distributors to ask for removal, ( which I did )
Product: Debt collection

XXXX XXXX, I received a call from Santander Consumer USA.1 ( XXXX ) XXXX explaining that this call was monitored and recorded and is an attempt to collect a debt owed, after sending an affidavit of truth to them on XXXX XXXX explaining the inaccurate debt amount and furnishing and sharing information of my personal information to a third party after charging off my account and than reverting it back to its original account to Santander Consumer USA XXXX after speaking to a representative about if the letter was sent to the correct address, I was placed on hold and referred to Santander Consumer Legal team where I was told to fax or mail the affidavit over via fax number XXXX. Instead of the affidavit of truth, an affidavit of rescission was sent explaining the violations in my original contract where my right to rescind the contract was violated, my debt was paid for as a consumer credit transaction and not a loan. As a consumer i am not responsible for this debt and instead compensation for violations are being sought after.
Product: Credit card or prepaid card

capitol one bank suddenly decided to close all 3 credit cards i had with them no reason given, fair enough if they dont want to do bussiness with me that thier right even if they wont explain why but they are holding approximately XXXX points worth at least {$700.00} or more without any reason and will not release them despite me asking many times.
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 Account # XXXX and Account name : XXXX XXXX XXXX Account # XXXX has violated my rights. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate, and according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notity the furnisher of that that the information has been modified or deleted from the file of the consumer. In accordance to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The status is incorrect for the following account XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Checking or savings account

I created a 'Credit Karma save account ' and deposited around {$13000.00}. 

On XX/XX/year>, my time ( XXXX XXXX PDT ). I noticed some transactions. I suddenly noticed {$5000.00} was transferred internally from my save account to 'spend account ' ( which I had not created ). Also, there were piles of transactions made under the name XXXX XXXX Within a blink, {$5000.00} was spent. 

Then, I reached out to Credit Karma customer care and froze my account. 

I see my phone number was also changed. 

While the customer service team is working at my request, I would like to escalate this and complain publicly. Since, this could happen to anyone using a Credit Karma Save account. I don't see any compromise in my identity.

Credit Karma should thoroughly check their app. I'm just lost, how could someone take my account and spend without any issues
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, Equifax was hacked and released the personal information of up to 143 million American citizens ( as well as some in XXXX and the XXXX apparently ). They only reported it recently, and they created a website to see if you could be one of the citizens affected by the data breach. I was informed that I may be a victim of having my date of birth, driver 's license number, social security number, possibly credit card numbers, my current address, as well as other private information, stolen by hackers. There are few options to recover from this incident and none of them are preferable. I 'll have to freeze and unfreeze my credit report constantly, dispute fraudulent uses of my information, and maintain vigilant overseeing of all of my current accounts as everything has been compromised. This information will be available to whomever can get their hands on it for the rest of my life ( and beyond ). I must worry every day about whether I 'll still have money in the bank to pay bills, or if it has been stolen to no fault of my own. Will my credit report be so damaged that I 'll be unable to obtain a car loan, mortgage, or even rent an apartment due to no fault of my own but the negligence of Equifax?
Product: Payday loan, title loan, or personal loan

Borrowed XXXX from XXXX XXXX. Lady on the phone did not explain the interest rate would be XXXX after paid off on a weekly basis
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a PDF form request with attachment as instructed below to   XXXX   XXXX   XXXX     XXXX   XXXX ,  XXXX .  XXXX   XXXX ,  XXXX , GA  XXXX  requesting my credit history several weeks ago  XXXX   XXXX   XXXX ,   XXXX   ). To date I have not received any confirmation that my request was received by   XXXX   XXXX   XXXX   XXXX   XXXX  !!   EQUIFAX refuses to provide an ONLINE report, they averred : Online Delivery Unavailable, We are not able to deliver your free Equifax Annual Credit Report online.     How to Request by Mail To request your free Equifax Credit Report by mail, please fill out the attached form ( PDF file ), along with the documents described below, and mail them to :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  .  XXXX   XXXX   XXXX , GA  XXXX  Please include with the attached form a copy of  XXXX  item in EACH of the categories below in order to assist us to verify your identification and address. The item you submit from the " identity '' category MUST contain your Social Security number and the item you submit from the " Address '' category MUST contain your current home mailing address.   Identity Social Security card Pay stub with Social Security number  XXXX  Form Address Driver 's License Rental or lease agreement/house deed Pay stub with address Utility  bill ( gas, electric,   water, cable, residential telephone bills ) To ensure that your request is processed without delay, please enlarge photocopies of any items that contain small print ( i.e. driver 's license,  XXXX  forms, etc. ). To avoid additional delays, keep in mind that if photocopies you submit are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents.     Why have n't I received a confirmation from   XXXX   XXXX   XXXX   XXXX   XXXX  ? Why does Equifax REFUSE to provide online reports?!!!
Product: Vehicle loan or lease

About XXXX months ago, I began the looking over the processes for my end of lease options with Ally Financial. This was immediately made complicated by the fact that Ally was very difficult to work with. A company who had intended to buyout the lease told me that they were getting no response and that their office was actually no longer going to work with Ally Financial. Ally does not send information that is requested and seemingly intentionally slow walks every step of the process. 

On top of this despite having an agreed upon residual value of the vehicle Ally just simply adds {$2000.00} to the amount for anyone else buying the vehicle which is seemingly ridiculous. Particularly given that my vehicle has a mileage overage, it is actually technically worth less not more than our agreed upon residual value.

I did a lease extension of 1 month in order to give myself 30 more days to get this all figured out.

Because of all of the difficulties I decided I would get a loan and buyout the lease myself. I requested
a buyout letter. It was sent out so much later than it was requested that by the time I received it the offer had expired.

So I called the company again and requested that they fax the form to me so that I could receive it in a more timely manner. They tell me their policy is to send a fax within 24 to 48 hours but that the buyout amount is only good for the current day. Think about the level of absurdity with that. What good is it to send me a letter that is good until XX/XX/year> that I won't receive until XX/XX/year>? 

The supervisor told me it is my fault for not having this figured out prior to my lease expiring. Prior to my lease expiring I attempted numerous options to either buy or sell the car. The games they seem to be playing are what are causing the issue, not anything from my side. I've been making a good faith effort to get this resolved and have now made dozens of calls and am getting absolutely nowhere.

To make matters worse, after multiple calls and requests to at least get this letter faxed, they have not even done this. I have received zero faxes from this company. They refuse to simply email this letter, and I actually paid for a fax program just in order to get this fax. And Ally has still sent nothing.

This is clearly an attempt to force me to get a loan with Ally Financial as they are not allowing me to receive the information in a timely manner that would allow me to source the loan elsewhere. This is most certainly anti-competitive behavior and seems as though it should not be legal and is certainly unethical to behave in this way. 

I have previously ended a few leases and have never experienced anything like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an incorrect collection account on Equifax.com on XX/XX/2023 and the investigation was completed on XX/XX/2023. Equifax claims that it was reported correctly, but it was not and is still incorrect. The amount and date of first delinquency are both incorrect. This is also a medical debt that is under {$500.00} and I was under the impression that this type of debt would no longer be included on credit reports, according to the XXXX  website, " In the first half of XXXX, Equifax, XXXX and XXXX will also no longer include medical collection debt under at least {$500.00} on credit reports. '' and this debt was reported on XX/XX/2023 so I do not understand why it is being included.
Product: Checking or savings account

XX/XX/XXXX XX/XX/XXXX I was charged a overdraft twice for the same transaction ( XXXX XXXX )
Product: Credit card or prepaid card

This is a follow up and documentation of the XXXX  Card company contending to harass me by sending me by XXXX XXXX XXXX  of their policies on interest rates and et al. This is not about any of that information! This is about the voice message of {$600.00} clearly shown owed to me clear and simple! They have admitted the money is mine in an earlier letter sent through this method and then lied that I spent it in following purchases! But that's a lie! All they had to do was do simple addition and subtraction on the statement I attached at the beginning! That statement shows the purchases at that time! 

They think because a little person that they can harass me as they been doing with their multiple mailers all saying the same thing! When in fact I only want what is mine that I worked hard to earn legally and honestly! But I wonder if they really understand that! 

" Their '' voice message attached is clear that they owe me {$600.00}. The attached statement is clear showing the purchases at that time! I don't see why they refuse to honor the truth and give me my money! Please deposit it in my XXXX checking account! But please add daily interest and punitive damages! 

I'm asking the " pfpb '' to instruct the card company to communicate using this method to obtain trailers and paper trails for legal action against them, similar to the class action case against XXXX XXXX! In which I ask the XXXX  to ask The card company for a XXXX  to see how many others are effected to stop the methos of theft! 

It's a shame it had to go this far!
Product: Debt collection

Continuous threatening calls at work numerous times a day although I informed him to stop calling my place of work. He uses profanity and attempts to reach other people within my workplace to share my personal business. He leaves voice mail messages and informed me that he has me on a 24 hr. reminder. He informed me that the debt consisted of 2 companies, but when forwarding the information to me, it only referred to 1 company for the full amount discussed. I have emailed him on XXXX occasions to dispute/ try and resolve the matter, he has not responded in writing to either one. However, he will call and speak very rudely to me and continue with threatening to seek wage garnishment and alert my coworkers. I hung up on him and he called me right back 10 times consecutively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm demanding that these unauthorized accounts be removed and blocked immediately from my credit file. These accounts obviously was opened without my permission and at the time my wallet was stolen and identity compromised. If you or your companies can not provide me with physical documentation then these accounts shall be removed immediately. 

1 ) XXXX {$410.00} 2 ) US Dept of Education {$3600.00} 3 ) US Dept of Education {$1800.00} 4 ) US Dept of Education {$1800.00} 5 ) US Dept of Education {$480.00} 6 ) US Dept of Education {$1000.00} 7 ) US Dept of Education {$290.00}
Product: Credit card

So I have some personal loans and balance transfer offer ( {$12000.00}, Which I used ) from the Citi Bank, the personal loan is less than 10 % rate and the balance transfer offer is 0 % interest rate by XX/XX/24, on or after XX/XX/24 it will be 29.99 % interest rate. On XX/XX/24, I paid Citi bank the balance transfer full amount {$11000.00}, their system didn't have the option for me to select which payment I made, but from the call I talked with the bank representative before, the payment will be paid the highest rate loan/product first, which should be the balance transfer. Now I can see the system used my money to paid the personal loan but not the balance transfer, and they charged me the interest ( 29.99 % rate ) for the balance transfer because it's not paid off in their system. 

Now they keep charging me the 29.99 % rate every month and I don't have extra money to paid it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Penn Credit Corp is trying to collect a debt from a power company in XXXX on a house i used to own. I did not own the house for the time period this bill is being assessed. I have provided the public record ( recorded deed showing the sale on XX/XX/2016 ) to XX/XX/XXXX and they are refusing to change the report. I have told both XXXX, Penn Credit Corp and XXXX XXXX that i no longer owned the house.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. Self XX/XX/XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting 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 conviction of crimes which antedates the report by more than seven years. 15 U.S.C 1681 e 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: Debt collection

I have had a lot of collections from the year XXXX and before The thing was is I was XXXX  and I was sick I did not have the capability to open any lines of credit. There was someone in my household or someone outside of my household who got a hold of my information and either took advantage of me or knew of my situation from XX/XX/XXXX until the end of XXXX. Anything after XX/XX/XXXX and before XX/XX/XXXX I did not try to do on my credit at all. I've gotten almost all of the false charges removed from my credit. I've been monitoring my credit for the last year and I've never seen this at all I check it everyday and all the sudden this just popped up. I did not ask for this credit card nor did I use it.
Product: Debt collection

This is the second time I am filing this complaint with no resolution. I have been working with Portfolio Recovery for sometime now in trying to resolve a debt from a company named XXXX who had charged an amount under my identity. This debt was a result of identity theft and as a result the case was disputed and dismissed in my favor and the garnishment was to be released. The account was closed and the garnishment has been released. Over the past few months, Ive had to contact them repeatedly for the refund they continue to state they have mailed to me, which is false because my address has not changed and I have received every other correspondence they have mailed to me, except my refund. They have been unprofessional in their communication with me via phone and their response is always I dont know whats happening. I have last spoken to litigation managers from this company, ( XXXX XXXX and XXXX XXXX ) who have done nothing to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted online disputes, I have called by phone and disputed as well as mailed in several disputes advising the credit bureau that there are several accounts on my profile that are in reference to identity theft. 

XXXX XXXX XXXX Credit Card is listed on my profile as being opened in XX/XX/XXXX I had a fraud alert placed on my file in XX/XX/XXXX I asked them to provide proof where they investigated this account and provide proof that the creditor spoke with me to open this account and they have not done so but they are reporting this inaccurate and fraudulent account. 

I have a bankruptcy that is showing on my profile as being filed XX/XX/XXXX and being dismissed on XX/XX/XXXX there is no additional information listed on this account being showed. I spoke with the credit bureau and notified them by online, phone and mail and asked them to directly investigate and they did not they advised me that they had a 3rd party do so. They refused to advise me of the 3rd party used and who the 3rd party verified through. I have spoken with the courts clerk and was advised that know one has contacted them to directly investigate this matter. The credit bureau has blatantly fabricated to me about the direct investigation that they say have been completed.
Product: Checking or savings account

I sent a letter instructing Citibank to cancel my account # XXXX on XX/XX/XXXX, requesting that a physical check for the account funds ( approximately {$6000.00} ) be mailed to me. I sent several follow-up letters, but received no reply. Apparently, the account was actually closed, but Citibank did not send the funds to me -- instead, they say they marked it as " abandoned property '', and submitted it to the US Treasury. They did not inform me of this action ( despite having my email and phone number on file ), and I can not find any record of this with the US Treasury. I wish to have my funds located and returned to me by Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need all three credit bureaus to remove this fraudulent account I was hacked, My signature was hacked and my checking account by The XXXX XXXX XXXX XXXX XXXX and XXXX app. Defrauded my credit report with a charge of credit of XXXX and has stolen a total of XXXX from my personal checking account from my bank. I linked my bank account to The XXXX XXXX app and I made a mistake and my identity was stolen. I reported it to XXXX by phone call nothing was done. I closed the app and the spend and saving account deleted the app XX/XX/2023 made police report and filed complaints