23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I purchased a vehicle from XXXX XXXX XXXX on XXXX XXXX, 2015. My vehicle was financed with Santander consumer. Upon signing my contract an extended warranty was purchased for {$2000.00} dollars. Two days later I was rear ended. A total loss. On XXXX XXXX, 2015 I asked that the warranty be cancelled with XXXX. This company has given me the run around since signing the cancellation request form. On XXXX XXXX, 2015 I called Santander consumer to see if my warranty was cancelled so that my remaining balance of {$85.00} is paid in full. XXXX has paid thier half in the amount of {$11000.00}. Santander consumer stated I had to wait for XXXX to send them {$640.00} and for the dealership to send {$1300.00} in order for my refund to pay the remaining balance in full, and any money or monies would be refunded to me. First, off the dealership has no right to the extended warranty refund when it was purchased, and added to my contract. Second, why must I wait for Santander consumer to process my refund when my cancellation request form was signed on XXXX XXXX, 2015. This fraudulent business tactic is only making my CREDIT suffer. The credit I have tried so hard to achieve. There is no reason for Santander consumer to prolong the process when they have given me the deadline of XXXX XXXX, 2015 to have all monies paid in full. I would like to be treated fairly and have this matter resolved ASAP. There 's no reason for me to wait any longer, since I have waited long enough. I want my balance to be paid with the refund from my warranty in full on or before the deadline. And the rest refunded back to me. So that this fraudulent behavior does n't cost me my CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX contacted the creditors and experian multiple time stating that these addresses and employment are wrong below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I filed a dispute on all my credit due to my credit being used unauthorized all my accounts are under review and this company contacted my employer and threatened to continue calling a place of business that doesnt be long to me unless I took care of my account
Product: Credit reporting or other personal consumer reports

I am REWRITING to complaint to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/1977. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate accounts on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct or remove. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXX XXXX XXXX XXXX : {$1200.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX XXXX : {$1300.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX XXXX XXXX XXXX : {$1200.00} - Please check the Payment History and XXXX information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 

XXXX XXXX XXXX XXXX : {$16000.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX : {$7900.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

Equifax is reporting a collection account that the company has stated is inaccurate ( I will enclose the letter ) and the account has a zero balance. I've tried several times to fix this issue and to no avail, nothing happens. Also, please be aware that I am the one writing this letter. There is no 3rd party involved. All information provided herein under the penalty of perjury is true and accurate to the best of ability and knowledge. This is my 3rd notice to Equifax, and per the letter received from the collection agency, the credit bureaus have 60 days to update the account. At this time, I will be reporting Equifax to the XXXX as well as the attorney general and will be seeking compensation per violation if this account is not removed immediately. Please see the attached letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was exposed in the XXXX, XXXX XXXX and XXXX data breach. And on XX/XX/22 a account from XXXX XXXX Bank XXXX XXXX credit builder was open without my permission and reported to my XXXX, XXXX and XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3700.00}, {$19000.00}, {$8700.00}, {$8000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account.
Product: Credit card or prepaid card

I was frauded back in XXXX and XXXX. For the amount of XXXX. I reported this to Kohl 's and have received statements I owe nothing. This has been more than 90 days and still not resolved. These purchased were made in large amounts in which I have never done. Also, the thief did not have the credit present someone at the Kohls store gave the thief my credit card information to fraud me. I am noy responsible for policy 's not being followed. This has violated the privates act.
Product: Debt collection

I noticed a debt collection by a company called Stellar Recovery for a " XXXXCellular '' account which was unpaid. I have never had an account with XXXX and I believe this was fraudulently applied to my credit report. This is negatively affecting my credit report and score. I contact XXXX  and this was removed without issue. However, when I disputed the same item on XXXX the request to remove this from my report was not honored. I am aware that there was a major security breach at XXXX and based on their website, it appears that my account XXXX have been compromised ; I am confident that this is the case. Since they have not removed this fraudulent item from my report, I am reporting XXXX as well as Stellar Recovery for fraudulently applying this debt collection under my name and on my credit report. This is a complete violation of my privacy and rights.
Product: Debt collection

I disputed this thru XXXX  this is not my account there is no valid debt please validate my social
Product: Money transfer, virtual currency, or money service

They let someone come in there bank open an account and cash checks in my name they stole my inheritance and they allowed them to sign an affidavit saying they confess its me. 
I dont have an account with them so i cant have any information besides whats been giving they not going give me all this money bk. I still think that there commiting fraud in my name my grandma had accounts with XXXX XXXX XXXX and my aunt had accounts with pnc once they passed i never recieved a will or anything i believe they all have something to do with this if you can recover anything for me it will help thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXXDOFED XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} and XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letters to Transunion, XXXX, and XXXX via certified mail to validate a collection account that suddenly appeared on my credit report by XXXX XXXX and have been unsuccessful with getting a human response outlining how they verified the collection account that they placed on my credit report. I understand that for anything to be placed on a consumer 's credit report, that the credit reporting agency by law must follow proper procedures before posting anything on a consumer 's credit report, as well as provide proof that what they are reporting has been properly verified. To date ( XX/XX/23 ) I have not received any evidence from Transunion, XXXX, and XXXX that they have followed such procedures before placing the collection account on my credit report, which is why I am now reaching out to the CFPB for assistance. 

In my validation request sent via certified mail to Transunion, XXXX, and XXXX I asked for the following information concerning the collection account they are reporting : 1 ) The original contract from the original creditor with my wet signature on it. 
2 ) The full payment history from the original creditor.

3 ) The proof of debt assignment outlining how and when the alleged debt was obtained by XXXX XXXX and what address XXXX XXXX used to send their notification ( s ) informing me that they are attempting to collect this alleged debt. 

As a consumer, this collection account appearing on my Transunion, XXXX, and XXXX credit report has prohibited my ability to obtain any new credit as well as rendered me unable to obtain a mortgage thus forcing me to pay high monthly rental payments to house my family.
Product: Checking or savings account

Sunday XX/XX/2025 I was reviewing my banking information and noticed an incorrect charge for a car rental. I was charged {$470.00} when my final receipt was for {$79.00}. I disputed the amount with PNC and they did a provisional credit. Today is XX/XX/XXXX and I received a letter from PNC dated XX/XX/XXXX stating they denied my dispute and would be recapturing the provisional credit of {$400.00}. I sent the documents stating the correct amount. I do not owe this amount and the {$400.00} is monies that should not be extracted from my account by XX/XX/XXXX as the letter stated it will be.
Product: Credit reporting or other personal consumer reports

The balance due for this account is not the correct amount that is reporting on my credit report. The last statement for this card was {$650.00}, which has already been settled and discharged with the IRS. I'd like to ask for the original creditor to verify with the last statement for this account under UCC Article 9 that shows {$700.00} as the balance due on this account with the proper remittance so that I can properly settle this account or please delete this account immediately as it is inaccurately reporting under the FCRA.
Product: Mortgage

My VA loan is with Nationstar aka Mr. Cooper I am or was in the process of doing a VA streamline refinance of my VA loan with my current lender Nationstar. I started the refinance process on XX/XX/2020. I was approved of the refinance and a rep from Mr. Cooper said, " it usually takes two weeks to complete a VA streamline refinance but because of the increase of refinance applications around the U.S., it  would take up to 30 days. '' On XX/XX/2020 i called mr. cooper to ask for a status update of the refinance. a rep said, " we are still behind, make a payment on the current mortgage again with the same rate. '' XX/XX/2020 ( 60 days of processing ) i call and i receive the same statement, " we are still processing the refinance again. make a payment and wait. we will call you when we have closing details. '' i wait ... XX/XX/2020 ( more than 90 days processing ) a new rep calls me and apologizes and stated, " I will have me closing in XXXX. Make another payment. '' I told him, no i want to speak with a manager. the manager says we have to write another refinance application. I said i disagree. You had everything you needed from me  in XXXX. After pulling my credit, asking me to make payments on the same interest rate while they were processing the refinance. And now we start all over again??? in XXXX? Please get me in front of a judge for fraud and to get my money back. Please help. thanks *below is more information amount of mortgage is XXXX at 4.25 int rate. they have already cost me thousands over the last four months. 
Actions taken ... in XXXX, the last time i spoke with a rep from nationstar, i told them about what happened about the refinance that was mismanaged and lost. they said, " we do not assist with that. make a payment. '' i told them to record or copy this statement. I will not be making another payment under the same terms and conditions because the contract was null and void. they had committed fraud and i want to speak with someone who can resolve the refinance problem. i have not spoken or received a phone call from Nationstar.
Product: Credit card or prepaid card

On XXXX XXXX XXXX I received an email notice that a Citi/Costco account was past due with a balance of {$300.00}. This was the first notice that I received about the account, the balance, or the account being past due. Within a few days I contacted Citi and was notified that the charge was for a Costco Membership fee. I told them I had not authorized this charge and I disputed it. 
I notified them that I was aware of the change from American Express to Citi credit cards for Costco. I had received the new card but the card had never been activated. I have been out of the country since XXXX of XXXX and had not received any notifications of the debt until I received the XXXX XXXX email. Before leaving the country no arrangements were made with Citi for the account, because I had never activated the card or authorized any charges to the account. I had not authorized Costco to charge my membership fee to this credit card. I was initially notified that the charge would remain because it had not been disputed in a timely manner. I reiterated that I had not been notified of the debt and so there had been nothing to dispute until I received the email. I disputed the balance and any derogatory credit reporting that had occurred. Upon discussing the issue with a Supervisor, the charge was removed from the account. Further, I was informed that the account was closed and no further charges would be made to the account. On XXXX XXXX I received another email/bill from Citi. This one showing a balance of XXXX. The same day, I called Citi to determine why I was receiving a bill. I was informed that the account had only been provisionally credited and the charge had been reapplied. I reviewed my past conversations. The representative put me on hold a couple of times indicating that she would speak with a specialist. She came back on the line and indicated that because of the time that had passed, the balance could no longer be disputed. I complained that I had disputed the debt within days of being notified. She said MasterCard regulations and system limitations did not allow her to make a change and that Supervisors were unwilling to remove the unauthorized charge as well. This is an unauthorized charge that Citi did not notify me of in a timely manner. According to the Citi representative, the disputed charge was originally reversed then added back on the account because I had not disputed it in a timely manner. She understood that I had not been notified of the debt, but there was nothing she could do. This is a Citi/Costco card. The two companies have a relationship and certainly between them they should be able to resolve this erroneous charge without continuing to bill me. Despite previously being told this issue was resolved I am now told that they are unable to remove the balance from the account. Despite significant tenure with the company, the representative communicated a lack of understanding regarding debt notifications and dispute time frames.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a dispute for XXXX on my XXXX  report and they reported it as correct however it is not. They continue to report a late payment each month even though the account is closed. XXXX  refuses to allow me to submit a new dispute even though they are reporting it wrong and it is seriously affecting my credit. Dates of previos payments and total due are wrong XX/XX/XXXX XXXX XXXX XXXX Web ID : XXXX {$430.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX TX Card XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Web ID : XXXX {$430.00} This was reported as a charge of in XXXX with a balance of {$14000.00}. Then the amount increased after the charge off was reported XXXX XX/XX/XXXX XXXX XXXX XXXX Web ID : XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX TX Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX TX Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX TX Card XXXX XXXX This company has several lawsuits pending for unlawful
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX DOB XX/XX/XXXX XXXX Date XX/XX/XXXX TO WHOM IT MAY CONCERN, I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft.

These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ).

I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of the XXXX XXXX XXXX credit breach and have been trying to get access to my Experian credit report and score for a month. There is no way to contact Experian other than XXXX, this is ridiculous and unprofesional and it is creating credit problems & barriers.
Product: Debt collection

XXXX XXXX is fraudulently reporting a collection account for a credit card that has been negotiated and settled with Capital One Bank.