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

Santander Consumer USA is erroneously reporting a balance owed on a voluntary repossession. They failed to provide proper notice of auction or sale of vehicle and are now reporting an erroneous balance 7 years later of twice what they originally reported on credit bureaus. They failed to follow legal protocol in the sale and notification of collection efforts on account, never notified me, and after previously agreeing to rectify the matter and remove the erroneous debt, they are now reporting it again several years later. There should be a XXXX  balance on the account and no adverse reporting, as the vehicle sold for more than what was owed on loan. Also, the loan was the legal responsibility of co-borrower and should not be reported in my name at all.
Product: Mortgage

I was paying property taxes separate from mortgage. I fell behind 3 years @ XXXX per yr totaling XXXX. XXXX XXXX XXXX paid it and allowed me to pay XXXX over the mortgage of XXXX + current taxes + past due taxes XXXX per month starting in XX/XX/XXXX. XXXX XXXX XXXX sold my mortgage to XXXX then Green Tree is  where the problems began. Green Tree/DiTech started  utilizing those funds by forced placed insurance ( when I had insurance ). In XX/XX/XXXX DiTech would have been paid back XXXX for the mortgage back taxes but still claimed we owed them XXXX. On 2 separate occasions I have tried to resolve this issue but was not successful. Each time we filed a complaint GreenTree/DiTech would began harassment with forced placed insurance, sending court documents about suing for the house being lost in bankruptcy XX/XX/XXXX, and returning payments, paid insurance w/o permission and the following year failed to pay do our insurance lapsed. Now that DiTech is in bankruptcy I reached out to XXXX XXXX for assistance but they failed to provide any assistance. We never stopped making the payment Ditech started returning them so they could foreclose on the property. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantaged of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me finical injury, along with defamation of character I am unable to obtain my dream job due to these actions, I am completely unable to receive any lines of credit, these actions has also cost me any hope of receiving any SBA loans to help me through this crisis
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Second Round Dispute - Request for Permanent Removal/Block of Fraudulent Account Under 15 U.S.C. 1681c-2 ( a ) Dear Equifax, I am writing to follow up on my previous dispute regarding the accounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, which I originally disputed due to identity theft and/or a data breach. As you are aware, under 15 U.S.C. 1681c-2 ( a ), when a consumer submits a dispute alleging identity theft, the credit reporting agency is required to block and remove the fraudulent information from the consumers credit report within four business days of receiving the dispute.
Product: Debt collection

I keep getting phone calls to my cell phone my wife and daughter get them as well looking for my from a company claiming that they are sending a process server ( but they never do ) and when I call the phone number given to me by the " process server '' a man will answer the phone saying " Legal Services '' but never gives the name of the company, once I give this man my " reference number '' he pulls my account up and says begins to say that I owe over {$3000.00} for an XXXX XXXX Credit Card account that I paid off over 6 years ago, the man will go on to say that unless I can prove this he will have no choice to take legal action and I can appear in front of a judge or pay make payment arrangements on this " {$3000.00} debt '' I then proceed to ask him for a Verification of Debt and he said that that was also my job to prove the debt is valid not his, after going back and forth about whose job it was to provide the VOD, he hung up on me, and the calls just wo n't stop and as a consumer I know it 's my right to be provided with a VOD and still have yet to receive one, also have looked up the toll free number and have found that numerous people are having the same issue with the very same people.
Product: Money transfer, virtual currency, or money service

I am writing this complaint to express the concern I have regarding Zelles handling of disputes, zooming in on the recent CFPB lawsuit highlighting significant issues with the application. I am a firm user of Zelle and I have reported my discrepancies, but Zelle and my financial institution failed to investigate my claims throughly. The informed me that tracking down these transactions was not possible and there was no way for them to recover my money. The CFPB findings indicate that Zelle not only neglected to protect their customers, but also have allowed repeat offenders to exploit the system. I was a victim to these scams. This lack of accountability is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Reporting negative information on my credit report never late never charge off
Product: Debt collection

XXXX XXXXXXXX received statement from XXXX XXXX Stating I owe {$21.00}, XXXX to a car that was reposed and sold at an auction through ALLYBANK I never received proof of the XXXX XXXX XXXX XXXX being sold at an auction for actual amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft I have sent in documentation and they removed the item only to have it resubmitted on my report. Now I call the company XXXX XXXX and I stated that that was not my account I have never done business with them and don't even know who they are. Now here is the kicker they said I need to come into a branch!! I said exactly that's what should have happened from the beginning and the is no branch in Pennsylvania so how could I have ever opened an account with you??? where is the documentation or proof that I contracted into business with you EVER!!! so the fact they have zero proof I ever signed up to do business with them that in itself would not stand up in any court in the United States fact.! I need this permanently removed and them to stop causing harm to my creditworthiness
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is being sent to you because I got a credit report notification that they are accounts that were added to my Transunion report. Since no organization has contacted me in regards to these accounts, TransUnion is listing erroneous and fraudulent information on my credit report. Be advised that this is not a refusal to pay a debt, but a notice was not sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) hence the debt claims are disputed as validation was never sent to me. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligations to pay these accounts : XXXX XXXX claims {$2100.00}, and the account is unknown and was not validated. 
XXXX XXXX XXXX claims {$170.00} account is unknown, and was not validated XXXX XXXX claims {$830.00} and the account is unknown, and was not validated
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an overdrawn account with XXXX XXXX who left the account open and still overcharging me for hundreds of dollars for it. They called PNC Bank and told them not to give me a debit card which is catastrophic to me as I am going back to New York with {$5000.00} cash to live outside as I always did for 25 years facing XXXX at night as I was XXXX and XXXX at night in both XXXX XXXX as well as XXXX XXXX, my hometown as I was sleeping outside. I tried to sleep with my old father at the ATM in XXXX, just to survive when the wind chill was below zero and the police illegally XXXX me and my father in 1999 for XXXX XXXX. I still have a XXXX XXXX in XXXX County, but have to return there for survival. Now, since I have a criminal record I am being discriminated in both of the two banks PNC and XXXX XXXX who did this once before by keeping the account open make it impossible to get a debit card. It is dangerous for me to go to NY with {$5000.00} cash but I have no alternative to this and no bank will offer an immediate card for my traveling except XXXX XXXX in XXXX XXXX, NY but I am in XXXX hoping to go to XXXX so how will I do that as far as holding the money without a debit card where I pay for all my purchases.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased two tickets for XXXX " XXXX XXXX '' ride in XXXX XXXX via XXXX using my Capital One Savor Card. Total charge was {$60.00}. 
I purchased these tickets for a business trip to XXXX XXXX during XX/XX/XXXX through XX/XX/XXXX. 

I arrived to the XXXX XXXX XXXX on XX/XX/XXXX to redeem the vouchers only to learn they had expired. I could not find where an expiration date was disclosed. It was not in the XXXX email, nor was it disclosed on the voucher. Needless to say, I was embarrassed and humiliated. I had to purchase more expensive tickets on the spot and now I'm also out {$60.00}. 

I contacted Capital One to dispute the charge, but they denied my dispute. 

I will be filing a complaint with the California Attorney General, as well as filing a lawsuit in Small Claims court in XXXX County, California if this issue is not resolved by way of a refund. Both Capital One and XXXX can send one of their representatives to explain and prove how an expiration date was properly disclosed to consumers. I am disappointed in both Capital One AND XXXX for failing to support the customer and for pushing to file complaints with various agencies like the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several complaints about Equifax. 

1- I have repeatedly filed several complaints ( over 2 years ) using Equifax 's online system to have them remove the suffix of XXXX off my report.. Every time I ask them to do this, they provide a confirmation number and tell me it will be removed in 30 days. They send me emails that say the fix has been completed, but it is STILL not fixed. Instead, my profession as a XXXX and an XXXX XXXX were omitted off my report. I did n't ask them to do this!! 

2. Prior to submitting the complaint to remove the suffix XXXX, my credit score was in the XXXX. After Equifax sent me a confirmation stating they removed the XXXX ( which they did not ), my credit score dropped from XXXX to XXXX without any reason on why. XXXX and XXXX both still reflect the accurate same score of the XXXX. 

3 - In XX/XX/XXXX, I requested that Equifax send me a monthly credit report. The charge of {$19.00} was more than I wanted for my budget, so I called in and requested they cancel the subscription. They convinced me to continue and they would reduce my price to {$9.00} a month instead. I accepted. In XX/XX/XXXX, I received a bill increasing my monthly subscription fee to {$19.00}. Customer service did not verbally explain to me or send me email stating that the price would increase to {$19.00}. It was explained that my regular monthly payment would continue at the {$9.00} until I cancelled it. 

My private data was breached and what appears with my name is not accurate using XXXX. I tried calling in to get these issues fixed but no one fixes them. I only get a confirmation number and I get switched around from customer service rep to customer service rep. 
These things are affecting my ability to buy.
Product: Credit card or prepaid card

On XX/XX/2022, I received an email from Genesis FS card services offering a settlement option to pay my card off and close the account. I was given until XX/XX/XXXX to accept the offer. On XX/XX/2022, I called and paid the amount of the settlement offer. 

On XX/XX/2022, I received an email stating that I had a payment due. I proceeded to attempt to log into the account ( which should have been closed ) and found that the account was still open, was continuing to gain interest, and was showing that a payment of {$120.00} was overdue. 

I called the company on XX/XX/2022, they stated that it takes time for a settlement to be reported to the credit bureaus and that they last reported on XX/XX/XXXX, but did not report it as settled. They stated that the account was closed, but refused to explain why I was still able to log into the account that shows it being open with interest still accruing. 

This account is currently continuing to build interest and being reported negatively to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

I signed up through Credit Karma with XXXX  to help improve my credit score. I deposited money into my XXXX account until I had deposited {$500.00} and they would refund that money to me. After I started to us me XXXX, I stopped using credit karma as my main bank due to issues with their product. I removed all links to my credit karma account and swapped them to my checking account with XXXX and XXXX Bank. I wanted the {$500.00} returned to me quickly so I made a deposit of {$140.00} on XX/XX/XXXX to bring my account to the {$500.00} threshold and have my {$500.00} returned to me. XXXX did not do so. On XX/XX/XXXX I made a {$70.00} deposit. On XX/XX/XXXX I was told the money would be deposited to my Credit Karma Spend account. That account was closed XX/XX/XXXX because I was unable to deposit {$3.00} from my XXXX account to keep the account open. I reached out to Credit Karma to XXXX ) see if they would RE open my spend account and XXXX ) when the funded would be deposited into my account. I was told they could not reopen my account. I also was told that my deposit issue would be escalated to a new team. This was on Saturday XX/XX/XXXX. I have not received a response from Credit Karma yet.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  || Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX || Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom It XXXX Concern. 

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE All information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that under the FCRA 15 U.S.C ( 1681 ), every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

The Following derogatory account allegations are either UNTRUE, XXXX, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately the infractions are as follows ; Alleging Creditor and Account as is reported as having a late payment my credit report : Creditor : XXXX XXXX Account Number : XXXX I demanding that this account be update to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX compliance regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you be certified mail.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX I don't have a contract with them. They did not provide me with the original contract, bearing my signature as requested. 

The other two bureaus have removed this account from my credit report. 

( See attachments ) XXXX XXXX XXXX XXXX is not compliant, and this account is also past the California 4 year statue of limitations, and they are inviolation of the Fair Credit Reporting Act. 

I want this account deleted immediately from my credit report.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the bankruptcy reporting associated with my name and identifications. It has come to my attention that the credit reporting agencies are reporting an alleged bankruptcy, which I believe to be inaccurately attributed to me. Under the Fair Credit Reporting Act, ( FCRA ), I am requesting that you verify whether this bankruptcy is correctly matched to my personal information. As you are aware, the FCRA requires that all the information reported by the consumer reporting agencies be accurate and verifiable. If you can not prove documentation proving that this bankruptcy is accurately matched to me, it is your obligation under the law to immediately delete this information from my file. Inaccurate or unverifiable information must be removed within 30 days of my dispute, per FCRA guidelines. Failure to correct or verify this information constitutes defamation of character and identity theft. If you fail to act, your willful non-compliance will cause me no choice but to pursue legal action. Please update me with the results of the investigation and immediate deletion. How can this bankruptcy be verified when XXXX has already deleted the account ( See attachments ).
Product: Debt collection

I contracted XXXX XXXX  owned by XXXX XXXX. Her and XXXX who claimed was her assis XXXX   took on the case. I hired because I suspected my partner/future fianc was acting out of the ordinary. 

I deposited via XXXX 750-1000 approx. for retainer. 
THe only service I authorized and wasn't made aware of the charge ( {$300.00} ) was phone trace to identify who my ex had spoke to at work. 

I was charged for countless services, unauthorized, not quoted amts. 
There was agreement that I had to authorize via email to proceed with anything. 
I asked numerously for invoice, XXXX and XXXX disregarded never sent. 

At end I was charged approx. {$5000.00} not including retainer for a phone trace. 
I enclosed email communication. 

Also evidence XXXX XXXX threatened to break confidentiality if I disputed with credit card co.. This illegal. I included copy of email. 

I tried coming to solution, they wouldn't have it. With XXXX  I sent them via fax the emails. THey didn't reimburse me. 

This was XXXX. 

Just recently my father called me told me that he received court order from Midland Funding in AZ to garnish wages for {$16000.00}. THey purch debt from XXXX XXXX- XXXX and XXXX her husband I just found out, added interest and original amount XXXX collected from XXXX XXXX 

I researched both parties. XXXX and XXXX are in multiple lawsuits, been in jail, drug charges, XXXX instigates husbands to cheat to get evidence for clients, has her daughters as well. XXXX lies like he's only an employee, when is husband. 

Midland funding also multiple lawsuits for frivolous lawsuits and being investigated by the state.
Product: Credit card

To whom it may concern I submitted a dispute with USAA for an ongoing purchase I had made on my credit card with Smile Direct after my teeth become poorly affected and they filed bankruptcy. First USAA ruled in my favor and credited the amounts back. Then, they claimed I hadn't submitted enough evidence even though they gave me less than 48 hours to produce it and charged me again. Then they said they'd credit back a portion and never did. They keep sending me a letter from a XXXX XXXX XXXX  who claims to work directly with USAA 's CEO. I have since come to find that " XXXX '' is an automated machine. XXXX  does not exist. This is a general letter they send customers to appease them since the shrinking of their assets in XXXX  and potential bankruptcy filings. My pleas to USAA 's dispute and documents team are ignored, customer service is unresponsive. The few times I have spoken with representatives they seem generally unknowledgeable about banking concerns and legalities. I would like a deeper look taken into this and I have saved the documents necessary to prove my claim.