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

I have ownership of the vehicle. I sent them proof of ownership, documents of UCC-1 Financing Statement ownership of security interest, 1099-A, and 1099-C. Upon securitization of deal # XXXX, for the collateral of vin # XXXX, XXXX XXXX  XXXX XXXX. I Secured Party have rightful ownership and security interest in aforesaid collateral. Also filed a 3949-A to IRS for their fraudulent actions and theft.
Product: Payday loan, title loan, or personal loan

I applied for a loan with PENFED CREDIT UNION for {$20000.00}. I called PENFED CREDIT UNION to get clarification on why i was denied my right to extend my credit and explained to The supervisor XXXX at Extension " XXXX '' That under the law in Truth in lending, I was the original creditor Pursuant to 15 USC 1602 ( g ) - The term " creditor '' refers only to a person who regularly extends consumer credit, and which would then make PENFED CREDIT UNION a creditor to extend myself my own credit. In 1602 ( f ) the term Credit means THE RIGHT GRANTED BY A CREDITOR ( Myself ) to a debtor ( PENFED CREDIT UNION ) to defer payment of debt. I exercised my rights and was still discriminated against because I in good faith exercised my rights pursuant to 15 usc 1691 ( a ) ( 3 )! I was completely ignored by XXXX when i told him that he is willfully and knowingly gives false or inaccurate information pursuant to 15 usc 1611. PENFED CREDIT UNION Used my Credit Card ( SOCIAL SECURITY CARD ) Pursuant to 15 Usc 1602 ( l ) - " Credit card '' is ANY CARD existing to obtain money or services on credit. In 15 U.S. Code 1691a K- In the definition Adverse Action, No where does it say you can be denied due to credit. There is fraudulent activity on my credit report with XXXX and PenFed is discriminating my character and is not a equal credit reporting act! 

I am Demanding PENFED CREDIT UNION to use my open ended credit plan and Open the credit transaction for {$20000.00}! I am adding my exhibits received in mail.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies asinformation that resulted from an alleged identity theft, not later than XXXX business daysafter the date of receipt. XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXXAccount # 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 agency can not furnish a account without my written instructions
Product: Checking or savings account

After I spoke with a Fraud Department Rep from Ally Bank referring to my closed account. I had done everything they had asked regarding providing POA paperwork for my father so he could help me use the account and the investigation by our county investigator against my father had been concluded showing no evidence of abuse. That had also been reported directly to Ally 's Fraud department by the county investigator. XXXX, from Ally 's Fraud Dep., then informed me that the issue with my funds being withheld in isolation and the reason I hadn't been sent a cashier 's check containing {$6500.00} for the funds that had been isolated. 

Was that one check in particular, from the US Treasury Department for a tax return, they suspected was altered. So, they requested another set of photos of the check, that had been previously attempted to be mobily deposited via Ally Bank App., so they could verify it has not been altered in fact. Then I was assured that Ally would promptly send me the cashier 's check in the mail for the sum mentioned earlier. That was over a month ago and whenever I have tried to get through to their fraud department, one of my security questions has been changed to, " what was your first car? ". I had never set up that particular question so I don't know what answer they are expecting, but unless one passes through their credentials with 100 % accuracy, I just get dismissed from the call. If, I am able to pass through their security protocols, I'm usually told that I'll get a call back from a fraud department supervisor.. I've been waiting to speak to a supervisor about my account for months now after multiple attempts, because I was never able to ever use this account when it was open. I'd deposit money, and they'd lock my account for suspicious activity repeatedly when all I was doing was depositing my state and federal tax return checks. 

I just need help getting my tax return back promptly. I'm XXXX, can't work, I'm a XXXX  parent, and I still have bills to piling up. Any assistance would be greatly appreciated. I can provide emails with time stamps, a case reference number, check reference number, pictures of the front and back of the Treasury check in question, Ally 's fraud department 's direct number as well as email, and anything else you might need for evidence.
Product: Credit card

XX/XX/2023 I received a email from destiny.myfinanceservice so I called to see about what I can do to reestablish good payment history with them they tell me they didn't email me or say things like that when i was reading the email they sent me I asked can I email me them what I received they told me we are not allowed to email them
Product: Credit card

Requested a refund of excess funds on my account with closure. Sent request in writing and made a verbal request. They still won't close said account or issue funds for the refund.
Product: Checking or savings account

hello, I am an account holder with chase bank in XXXX Indiana for over 10 years. I did old a checking and saving as well as 3 credit cards. I was extremely sick between XX/XX/XXXX and XX/XX/XXXX during that time I was waiting for a loan check from XXXX to come through I was trying to open an savings account to deposit the loan money into. I accidentally opened another checking account and then opened a savings. Chase flagged my account and locked my from having access. I had to go into to the local branch and show ID and have them clear the issue. While I was there because the new accounts were stuck in new account appropriations the lady at the bank told me I had to close my existing checking account along with the new savings I had opened and checking. So we did. At that time I had XXXX in my old account XXXX and that was transferred to the new checking that was opened. Now in I thought everything was fine. When I received a text message stating I had a deposit of XXXX and a deposit of XXXX put into my old account XXXX I went on line to transfer the money into my new account because I knew the old account would be closed. It would not let me transfer the funds. The next day I received another text saying my account XXXX was at XXXX and would I like to transfer. I had XXXX dollars in that account, I thought maybe my transfer did go through after all. I logged into my account and the money was not in the XXXX as a matter of fact there wasn't any trace of the account anywhere. I looked into my new accounts to see if they had put the money in either the savings or checking. No the money had not been transferred. I called the bank and the lady looked into the account and told me a check had been issued bit she wasn't sure where the check was being sent. She told me to wait 5 more days to see if I get it in mail. When I did not I emailed her back and when I did not get a response I called the local branch. The other manager told me I had to call a number she gave. Well after 4 days of calling and having wait times up to 55 minutes, being transferred to numerous other people finally had them tell me that I needed XXXX XXXX and XXXX and XXXX XXXX go into the bank with me to show the deposits where indeed from them. Now, the XXXX deposit did not come from XXXX nor XXXX it was from XXXX  XXXX XXXX and the XXXX deposit came for XXXX XXXX but he lives in Mo and there was no way he could come to Indiana to go to the bank with me. I was told until that was done the bank was going to hold on to the money indefinitely. I have still to this day been able to resolve this mess. The XXXX was from a investment in bit coin and we have doing business for some time. I received a statement yesterday in the mail for the account XXXX it states on the last line XX/XX/XXXX DEBIT XXXX -CHECK CHARGE Now to me that is crazy just a code for we stole your money? Please look into this I have to pay back the XXXX wire transfer from XXXX  and I never received the money. I also am out my profit from investment of XXXX. Thank you for your time.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Credit Reporting Under Section 807 of FDCPA and FCRA Dear Sir/Madam, I am writing to formally dispute the inaccurate information reported by XXXX XXXX XXXX XXXX XXXX credit report. My name is XXXX XXXX XXXX, and my credit report includes a potentially damaging entry that I believe violates several provisions under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Responsibility : Joint Date Opened : XX/XX/XXXX Status : Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$10000.00} Balance Updated : XX/XX/XXXX Original Balance : {$12000.00} Terms : 79 Months On Record Until : XX/XX/XXXX Payment History : Charge Offs : XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX  90 Days Past Due : XXXX XXXX 60 Days Past Due : XXXX XXXX  30 Days Past Due : XX/XX/XXXX Laws Violated : XXXX. Fair Debt Collection Practices Act ( FDCPA ) : o Section 807 ( 15 U.S. Code 1692e ) : Prohibits the use of any false, deceptive, or misleading representation in connection with the collection of any debt. The reported status and balance of this account contain inaccuracies that are misleading and harm my creditworthiness. 
2. Fair Credit Reporting Act ( FCRA ) : o Section 611 ( 15 U.S. Code 1681i ) : Requires that credit reporting agencies investigate disputed information.

o Section 623 ( 15 U.S. Code 1681s-2 ) : Requires furnishers of information to provide accurate information to credit reporting agencies.

o Permissible Purpose ( 15 U.S. Code 1681b ) : The continued inaccurate reporting suggests that my credit information is being mishandled, possibly shared or utilized without a permissible purpose.
Product: Checking or savings account

Issue : Check cashing policy terms and conditions Facts : As a customer with over $ XXXX in account. I visited Bank of America ( BOA ) branch at XXXX XXXX XXXX XXXX NC XXXXOn Monday XX/XX/2023 I attempted to cash a rewards check from XXXX XXXX approximately {$330.00} drawn on Bank of America XXXX interesting ) I also had a {$10.00} dividend check from XXXX XXXX XXXX The teller indicated she could not cash the XXXX XXXX check. I inquired, why not? The Banks screen indicates you can only deposit. Somewhat baffled and disappointed I asked what is your check cashing policy? I had already been verified and used my debit card for additional verification as my accounts were further checked. This statement and action appeared inconsistent as I have banked here for 7+ years and had over $ XXXX in my checking account. The teller continued to state that her screen indicated deposit only. Moreover, she indicated I needed to call XXXX XXXX or BOA. However, I never received an adequate explanation of possible conditions ( deposit only ) XXXX XXXX confirmed that the check was sent to be cashed, they did not indicate for deposit only. I continued to ask after speaking with XXXX XXXX, What is BOA policy for customers with funds, confirmed ID and drawn on your BOA-bank? 

The failure to cash a properly presented check appeared arbitrary and capricious or BOA has some other unknown policy and inconsistent procedure. 
I deposited the check and went on to withdraw {$350.00} from my account ; however, I was disappointed by the lack of clarity and the disregard for me as a customer, the bank failed to disclose the terms and conditions- if any. 
Conclusion : I would like this incident, check casing policy, investigated as the customer could not cash a properly presented check, used valuable time to understand why not, and believes the impact to possibly other customers can be injurious and may be a UDAAP violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DISPUTE. TRANSUNION BROKE THE LAW AND REPORTED UN-AUTHORIZED INQUIRIES ON MY CONSUMER REPORT WITHOUT A PERMISSIBLE PURPOSE PER 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE TRANSUNION ANY WRITTEN INSTRUCTIONS, OR CONSENT TO FURNISH, OR REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT, AND AN INFRINGEMENT UPON MY RIGHT TO PRIVACY. I HAVE ATTACHED A COPY OF THE FTC IDENTITY THEFT REPORT. I DEMAND THAT THE UN-AUTHORIZED INQUIRIES ATTACHED BE DELETED IMMEDIATELY WITHIN 4 DAYS PER 15 USC 1681c-2 ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency keeps reporting a fraudlent account that has not been verfied correctly.I have also filed a indentity affadavit with the ftc on the fraudlent account. The account is XXXX XXXX in the amount of {$560.00}
Product: Credit reporting or other personal consumer reports

I called Equifax on a recorded line to update all non mailable addresses etc. Before that I went to retrieve my free annual credit report and was unable to. Equifax stated I had a freeze on my report on which I didnt authorize such. They wouldnt release my report unless I provide them with identification. Well attached is Identification
Product: Debt collection

I have received multiple phone calls and letters from XXXX XXXX. There phone is XXXX. I sent them a validation letter over two months ago to validate the debt. I have asked them on multiple occasions to stop calling, texting, or emailing me, and even asked them to cease and assist.

I have never received anything back from my validation letter, nor have I received anything in writing about this supposed debt.

The Rep that continues to call is XXXX from Americlect or XXXX XXXX  Per the If a third-party debt collector violates the FDCPA, a consumer can report the company and the third party could be charged for Damages for If a third-party debt collector violates the FDCPA, a consumer can report the company and file a lawsuit against them. Damages for violating the FDCPA can be up to {$1000.00} per incident. can be up to {$1000.00} per incident.

As of today I have listed the phone calls I have recieved. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX At Work XXXX XXXX XXXX On XXXXXX/XX/year> I mailed a validation request to this company which I have never received back to show any proof of this being my account. I requested proof of the contract, proof they could purchase a collection in Iowa. And original documentation that this was my account. I have no recollection of this account and no proof has been given o me after a legal request. This company has abused my consumer rights with their continued harrasment in calls, emails and voicemails. I would like to have them fined for violating the FDCPA
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach. When reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my personal information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national breach
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have spent the past few years trying to get Equifax to report accurate information on my behalf. They are still reporting fraudulent accounts and accounts that were paid and should be reporting as paid/closed when they are showing as opened. I have contacted them by phone, but I always get someone whose first language is not English and they appear to not understand me and I have difficulty understanding them. I have also asked to speak with a supervisor and I never get a call back. 

I have XXXX accounts on my credit from XXXX XXXX XXXX Account Numbers XXXX and XXXX. The accounts are fraudulent. I contacted XXXX directly and they closed and removed the accounts. However, Equifax still reports them on my credit. The accounts state they were OPENED in XX/XX/2018 and CLOSED in XXXX XXXX they are positive accounts but again they were opened in my name due to false impersonation. I advised the representative XXXX at XXXX that the accounts still appear on my Equifax- he advised me to dispute the accounts with Equifax because they already submitted for them to be removed. According to them the accounts have not been disputed by Equifax but they are telling me they have been disputed and verified. 

They are also reporting XXXX XXXX XXXX XXXX it is a positive account but it does not belong to me and it should not be on my credit if I did not apply for the account. 

XXXX XXXX This account was also opened as a result of false impersonation. The account states it was OPENED on XXXX and CLOSED XXXX. Again- I contacted the merchant about the account and it was closed on their end but Equifax has yet to remove it. 

XXXX XXXX XXXX for whatever reason Equifax is reporting the same account on my credit 2 times. I have no knowledge of the XXXX accounts or the payment status. 

Bank XXXX XXXX XXXX I never had an account with the Bank XXXX XXXX XXXX XXXX account XXXX I have medial insurance and this account is reporting on my Equifax report- XXXX doesn't even state who the collection agency is or where it was originated from. Fraudulent account XXXXXXXX XXXX XXXX XXXX  XXXX Account was opened in my name as a result of false impersonation XXXX XXXX XXXX Account opened in my name as a result of false impersonation XXXX XXXX Account opened in my name as a result of false impersonation. 

Be advised the accounts referenced in this complaint are included in my police report that has been sent to Equifax several times and they are also included on my Identity Theft Report that was filed with the FTC.
Product: Credit reporting or other personal consumer reports

I reported that I did not make the charges on this account and requested the account be closed but I'm receiving bad credit score based on someone using my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. To this day ( XX/XX/20201 ), I have not received a response yet and it has been well over 60 days. I feel like my disputes are getting ignored and I'm being taken advantage of. Section 611 ( a ), it states that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. It has been 60 plus days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress this has caused me.
Product: Payday loan, title loan, or personal loan

XXXX Solar Mosaic , Inc. numerous times with no resolution XXXX. ) Solar Mosaic , IncXXXX paid out the 40 % installment on my loan ( {$8800.00} ) to XXXX XXXX for installing solar panels on XX/XX/XXXX, before the work was inspected by the city ( Inspection Date XX/XX/XXXX, XXXX it did not pass ) and before I approved the payment. 
XXXX. ) The solar company, XXXX XXXX, effectively but not officially, went out of business after Mosaic gave them {$8800.00} from my loan but before the rough or final inspections passed by the city. 
XXXX. ) The evidence for XXXX XXXX going out of business is they did not return my calls or emails starting on XX/XX/XXXX and continuing to today, XXXX, XXXX, XXXX. Now when calling the numbers provided to me by Mosaic ( XXXX or at their previous number, XXXX ), I get this number is no longer in service. XXXX also states XXXX XXXX is permanently closed. 
XXXX. ) I have contacted Mosaic numerous times starting on XX/XX/XXXX, for which they open a case number but then close it without any resolution. ( Complaint cases # XXXX, XXXX and XXXX ). When I called Mosaic on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, Mosaic said a specialist will call me within 2 days but I never get a phone call. 
XXXX. ) Since I do not have Permission To Operate ( PTO ) and the company XXXX XXXX is effectively out of business, I am currently asking Mosaic for XXXX things : XXXX. ) To allow me to use the final 10 % payment ( {$2200.00} ) to pay another solar company to get the solar system to PTO to make the panels operational. 
XXXX. ) To give me the photos and documents that permitted them to pay {$8800.00} to XXXX XXXX for installing the panels. I need these photos for the city inspectors to pass the rough inspection. They say it is not their policy to give out these documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this account opened in XX/XX/XXXX. Since then I have been 100 % on time with my payments. The account is always paid on time and always handled responsibly. I am an XXXX member of the United States Military and usually travel XXXX XXXX XXXX XXXX. I use the AutoPay feature to pay my bills automatically XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account was under autopay but somehow this feature was removed or the terms were changed because the money was not taken from my account as originally agreed. I do not have any blemish on my credit except for this late payment that occurred in XX/XX/XXXX during the months of XXXX XXXX. The servicemembers Civil Relief Act usually covers and protects US soldiers from adverse effects to their finance and credit XXXX XXXX XXXX XXXX XXXX I ask this to be looked into and removed from my credit report. This is the only late showing up and should not be reported because this was not my fault XXXX XXXX XXXX XXXX during the change in terms and late payment. I have multiple attempt with the XXXX and the credit bureaus but the late payment continues to report in my credit file. I attached the copy of the letters from the Department of XXXX to prove my whereabouts.
Product: Debt collection

Paid off a debt from the Thomas agency on XX/XX/2021 that was 6 years old and they refused to do a settlement they denied the dispute. So dished out the full amount and now they wont send me a letter of proof that this will be removed from all 3 credit bureaus, also refuse to send it to have taken off ASAP which its an urgent matter to have to this removed as soon as possible. Talked to two supervisors and two different repenstives and they were no help at all. This is an urgent matter were trying to buy a house and we only have so many days to get this taken off OR proof it will be taken off. The second guy I talked to was rude and made me sound like a liar. Not impressed.
Product: Credit reporting or other personal consumer reports

This is a Medical debts. Medical debts are no longer are supposed to be reported the credit bureaus.