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

Several years ago I filed bankruptcy and wanted to pay voluntarily for my auto loan with PNC bank. They DID NOT let me make volunatry payment. 

They kept saying my loan is in bankruptcy and I can not pay, which is not true but they would not let me pay. 

In 2023 I sent a settlement offer letter with photos of the car to PNC BANK. It will all be evidenced in the attachments of where it was sent. 

They DID NOT respond and still did not allow me to make payments. This was all done for nothing. There people do not work at PNC BANK. 

I get a letter all of a sudden that they want to repossess my car in the next 30 days after trying to work with them for 5 years. I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a letter not long ago addressing accounts that I have disputed and that can be seen in my credit file that are erroneous and inaccurate, and I am quite upset that they are still there. I do not verify such accounts, which is a violation of the Fair Credit Reporting Act 's US Code 1681 Accuracy and Fairness in Credit Reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 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 XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX/XXXX.
Product: Checking or savings account

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. Numerous bank accounts have been opened using my name and personal Information as a result of fraud. Banks affected were as follows Chase Bank, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 
I am not responsible for any charges made to these mentioned accounts. 



According to federal laws you are required to provide undeniable proof that this debt is valid. A fair resolution to this issue would be complete deletion of this negative trade mark being reported to all major credit reporting agencies. Thank you for your assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; The following address needs to be removed ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, CO XXXX XXXX the account ; XXXX XXXX XXXX XXXX Balance Owed : {$1300.00}.
Product: Credit card or prepaid card

On XX/XX/2020 I booked a room on XXXX for the amount of {$480.00} However, this amount of {$480.00} was either charged twice by XXXX or posted twice by Barclay Credit Card ( duplicate charge ). 

I had immediately called XXXX to cancel the room. On XX/XX/2020 I was only refunded once the amount of {$480.00}. There is still a remaining {$480.00} outstanding due to me. 

I have called XXXX over 5 times and was informed that there was only one purchase and cancellation on record and not two purchases as shown on the Barclay statement.

I have called Barclay Arrival Plus Credit at least 10 times and filed disputes on the duplicate charge. The result determination is always - since the merchant has refunded you the purchased amount this case is considered closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting false information and refuses to fix it. I have 4 student loans that reflect 8 late payments of 90 and 120 days. I have disputed the information and some of the information was corrected but the most imperative has not been changed. My score has decreased by 150 points due to false information. The attached documents clearly shows that all 4 accounts are in good standing. This credit hiccup has affected my entire existence in regards to my business and personal life. I was approved for an SBA Loan and PPP Loan in which was to be used to fuel my Covid-related business related partnership with a nonprofit to help the community. My loans and funds that were set aside for my business were denied during the underwriting process prior to funding. A second lender herd my vision and tried to push my loan through twice and still was unable to get funded to to credit history and delinquent accounts. I am looking for housing and I am not credit worthy to purchase a home and honestly cant even find any temporary housing until I am able to finance due to my score. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Firstly, The United States Bankruptcy Courts state on their website that the DO NOT verify, nor do they report bankruptcy records to ANY consumer reporting agency. Please provide documentation of your proof of verification. Also, I have personally researched the identification number XXXX that you have provided and found no validity of you claim. 
According to 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

A report of a bankruptcy is an infringement of my right to privacy and such reporting is a direct violation to the Fair Credit Reporting Act 15 U.S.C. 1681 ( a ) ( 4 ) a consumers right to privacy. 

This inaccurate reporting has caused me immense hardship and needs to be rectified immediately. 

Congress also states that I, XXXX XXXX, must give written permission to Experian to access my public information : 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I have not, in fact, given Experian written instructions to report this information according to the law above. By reporting said information Experian is in violation of section 604 by asserting this false and erroneous report. 

Failure to respond satisfactory with deletion of the Bankruptcy and all other erroneous information that you are reporting on my consumer report will result in legal action being taken against your company for which I will be seeking {$1000.00} per violation, defamation of character, noncompliance, civil liability, mental anguish and the FCRA 15 usc 1681 for violations under willful noncompliance, section 616 civil liability for noncompliance, 15 usc 1681n.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED a. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Between the dates of XX/XX/2022 and XXXX/XXXX/2022, I sent dispute notices to the following Credit Bureau 's ( XXXX XXXX, XXXX, and Equifax ). After 30 days, no response. 

According to your policy ( FCRA & FDCPA ), if no action is made within that period, all disputed item ( s ) must be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I also have some inquiries on my report that I didn't authorized and unaware of. 

Experian : XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date XXXX XXXX XXXX XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX. 
Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX : XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date Oct XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XX/XX/XXXX
Product: Prepaid card

I purchase XXXX variable load prepaid VISA gift cards ( issued by US Bank ) from XXXX grocery store, with {$500.00} loaded on each. Before I even had a chance to use any of the prepaid {$500.00} gift cards, I discovered that small charges to The Gap had been run on all XXXX cards, and that XXXX cards had the remaining balance charged at XXXX. Upon logging on to the www.mygifcardsite.com to see each card 's transaction history, I discovered that all XXXX gift cards were already registered to some other person and that charges had been run on all XXXX cards. I called the phone number on the back of the card and reported this fraudulent behavior. The Cust Svc Rep indicated that since charges had already been run on the cards, they could block the cards and that I would have to FAX information - including name, address, contact phone number, card nr, CCV nr, Exp date, and copies of the cards, front and back, along with the purchase and activation receipts to the Lost/Stolen Replacement card FAX number and also to the DISPUTES FAX number. The Cust Svc Rep indicated that since charges had been run US Bank could not just simply replace the card with the {$500.00} purchase balances until there is Dispute Resolution for the fraudulent charges - which can take up to 60-90 days. I believe this is quite a long time to wait for replacement cards with the full {$500.00} each value after I was victimized for fraud. The Cust Svc Rep indicated that they get many calls like this - so it appears that the bank is aware of this type of fraudulent activity with their variable load VISA gift cards.
Product: Money transfer, virtual currency, or money service

Since XX/XX/XXXX coin base has stolen XXXX from me and has locked me out my account and also haven't responded to my email resets or email complaints about monies missing and being locked out account. The first incident ( XX/XX/XXXX for XXXX ) my currencies was transferred out of my account they said I sold my investment and the 2nd incident ( XX/XX/XXXX for XXXX ) I had currencies in my account and now I am locked out account and assume they have taken these monies also. Coinbase also attempted to steal money out of my banking account which is another story. They do not respond and do not have a customer service phone number. I think they use to their cpu/a.i. system to run scams on customers to take their monies.
Product: Checking or savings account

Excessive nsf fees on accounts Previous address XXXX XXXXXXXX XXXX XXXXXXXX, ga XXXX XXXX XXXX XXXX ga XXXX XXXX XXXXXXXX XXXX XXXXXXXX ga XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681 Quick search by citation : Title enter title Section section 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Accounts name : XXXX XXXX Experian XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account number : XXXX These companies have violated my rights listed above.
Product: Debt collection

I have been receiving several calls a day from National Enterprise Systems to collect a debt for a name I do not know. I have repeatedly told them that they have the wrong number and was assured that my number was being removed from the list, but am still receiving several calls a day. These calls are to my place of work, and present a frequent distraction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$2400.00} ; XXXX SELF-REPORTED XXXX Balance : {$17.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX i tried to obtain a credit card i was denied because payment history on my credit report so i contacted the school XXXX XXXX XXXX asking about this tried to despute but it was fail then contacted the next lender but was a fail so please verify all personal info that was submitted including signatures and high school diploma etc. please take into consideration of the attatched file is my signature with my additional info. and include the following collectors for this report TRANSUNION i have submitted two disputes for many errors on my report and Transunion claims they conducted a thorough investigation and they still claim that their information is correct.. Again i would like to state i have no idea who established those loans that severely affected my ability to obtain positive credit. collector : XXXX opend date XXXX XXXX closed XX/XX/XXXX paid {$1100.00} collector adress XXXX XXXX XXXX XXXX XXXX wi XXXX phone XXXX XXXX XXXX collector : XXXX XXXX XXXX Opened on XX/XX/XXXX closed on last payment XX/XX/XXXX amount paid {$3000.00} charge off adress : XXXX XXXX XXXX XXXX AZ XXXX phone : XXXX XXXX XXXX last collector XXXX XXXX XXXX XXXX opened date XXXX XXXX closed XXXX XXXX amount : {$1100.00} adress XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX phone : XXXX feel free to contact me for more info if needed XXXX XXXX XXXX if you can not reach me please leave a detailed message with a direct contact number thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 hard inquires on my Transunion credit report from unknown sources. The information is inaccurate and the inquires have been made on my credit without my consent. I have informed the same information to TransUnion customer service but they have not taken care of it. The inquires are as follows : Creditor Date 1. XXXX  XXXX XXXX  XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX  XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

XXXX XXXX XXXX originated my mortgage in XXXX of XXXX. They sold it to Planet Home Lending and sent they XXXX XXXX XXXX to planet home lending. Planet Home Lending ( XXXX ) never applied the sellers XXXX XXXX to my XXXX account. As a XXXX XXXX XXXX XXXX  in XXXX I do not pay XXXX XXXX. I received a bill in XXXX of XXXX for the sellers portion of the XXXX. I contact Planet Home Lending and they said I could establish a XXXX XXXX and that they would take care of the XXXX XXXX by adjusting my XXXX account since they had applied the XXXX XXXX XXXX from XXXX XXXX to my XXXX ( that was labeled to be used for sellers XXXX XXXX ). I submitted paperwork requesting a XXXX XXXX to be created and XXXX said they would and that they would pay XXXX XXXX Come XXXX I receive a call saying they cant establish a XXXX XXXX unless my XXXX are paid in full and current. At this point I am now late and received a XXXX XXXX for XXXX that I thought were being taken care of. Now XXXX is trying to establish the XXXX and raise my mortgage to cover XXXX  that I will not owe at the end of this year.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer file, I noticed several accounts listed on my consumer report that are a result of fraud. I sent correspondences to all 3 reporting agencies when I first discovered the inaccurate accounts. XXXX, XXXX and TRANSUNION have refuse to remove the accounts. I have received documentation for the accounts being reported showcasing that they are not mine. The 3 reporting agencies are still reporting all inaccurate accounts. XXXX, XXXX and TRANSUNION are violating the rules of reporting as they are intentionally reporting fraudulent information. Below I am attaching copies of my FTC report, my ID, my XXXX report that shows that the inaccurate accounts deleted, and letters from the various alleged creditors stating that accounts were opened fraudulently. I demand for all fraudulent accounts be permanently removed from my credit file. Lastly there is a ton of personal information that is inaccurate such as addresses ( there's about 3-4 addresses listed that I have never lived at ) and my name.
Product: Debt collection

I received a collection correspondence from Dynamic Recovery Solutions indicating I owed {$2200.00} to them on behalf of XXXX XXXX XXXX from XXXX its states XXXX XXXX XXXX XXXX XXXX XXXX the current creditor. The current account # is XXXX, I dont know where this information is coming from, am unfamiliar with the debt and its not on my credit report, I 'm a federal employee whos information has been breached.
Product: Credit reporting or other personal consumer reports

the following are the list of inquires made by this companies. I request that the protection bureau takes action and request this companies to comply and eliminate my information from their system. This companies are currently on my credit report. I have no knowledge of how they are in my report. please advise urgently. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

in XX/XX/XXXX I sent a Notice of Conditional Acceptance, Notice of Acceptance, Rescission, Opt to Cure, & Estoppel to Capital one in which they did not respond. As a result, they are in default, and have not honored the terms of the contract. All items were sent to the CEO & CFO of Capital One ( XXXX XXXX ) ; however, they have charged off the account in error and are still reporting to the Credit Bureau 's as well as. Below were the terms in which they did not honor. The amount is still showing on my credit report and they are still reporting monthly to all credit bureau 's. They have not removed the lien as well. 

No further payment is owed The outstanding debt has been discharged in full reducing the account balance to XXXX. 
Remove negative credit reporting you have reported to the crediting agencies You will mail me a lien release You are accepting this NOTICE as full accord and satisfaction You agree that for any attempt by you or your agent to repossess my Car with Account XXXX XXXXXXXX ( hereafter referred to as the Your Monthly Auto Statement )