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

XX/XX/2011 purchased 2006 XXXX from XXXX ... vehicle financed by santander consumer for 72 months..96 months later still paying for vehicle and santander says I have a balance of XXXX ... santander sent paperwork to me to modify loan to pay XXXX in 14 months ... amount financed by santander was XXXX XXXX total of payments XXXX ... .total sale price XXXX ... .i have paid santander over XXXX on a 2006 vehicle and they say I still owe XXXX ... I have bought a lot of vehicles and every vehicle was paid in full when the scheduled number of payments were made..do not feel I should pay santander another dime to get my title.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

, I am writing to inform you of a concerning issue regarding my consumer profile and identity within your system. It has come to my attention that my personal information has been compromised, leading to unauthorized access and modifications to my account.Upon reviewing my consumer profile, I have noticed several discrepancies and inaccuracies that I believe are a result of this identity breach. It is imperative that immediate action is taken to rectify this situation and remove any disputed items from my report.I hereby request that all disputed items, which I can clearly identify as being a consequence of this identity hack, be promptly removed from my consumer profile. Additionally, I request that you provide me with a detailed account of the actions taken to enhance the security measures surrounding my account to prevent any future breaches.Furthermore, I urge you to conduct a thorough investigation into this matter to identify the source of the breach and take appropriate measures to prevent similar incidents from occurring in the future. The security of my personal information is of utmost importance to me, and I trust that you will prioritize this issue accordingly.Please confirm receipt of this letter and provide me with a timeline for when I can expect the resolution of this matter. I appreciate your prompt attention to this urgent issue and look forward to a swift resolution.Thank you for your cooperation.Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX   XXXX  XXXX, XXXX XXXX  XXXX, Company Inquiries : 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 or other personal consumer reports

XXXX XXXX XXXX Account number XXXX Balance {$470.00} Credit limit {$300.00} 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 XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX NA Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX & XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

Dear Sir/Ma How are you doing today, I hope this email meet you in good state of mind. My names are XXXX XXXX. On the XX/XX/year>, I received the sum of {$410000.00} from IRS for my tax return into my PNC bank account. I sent a check of {$400000.00} to my business partner in regard of some personal investment i am into. 


I also wire some part of the money to my XXXX  XXXX bank account which i am left with some balance, after some days i received a message from my business partner that the check i sent to him was returned, i quickly went to the bank to know what is the issue and the PNC bank told me that because i have not requested such amount of money before with check that they have to put a Stop Payment on the check. The bank asked me to c
ome back after 3 working day which i did, when i got to the bank i was told that they will need to investigate the money to know where the money is coming from, I told them even when you login into my account you will see that the money come from IRS in my own name, so i see no reason why you don't want to release my money to me. 


The bank asked me to wait for 1 month which i also did and after one month i was told that my account will be closed and the money in my account will be sent back to me, to my greatest surprise it's more than 8 months i still can not receive money from PNC. I am contacting you to please help me and get my money back. 

I am ready to provide you with any information needed to get this done.

Thank you and May God bless you as you read. 
XXXX XXXX
Product: Bank account or service

On XXXX/XXXX/16 my checking account at First National Bank of Pennsylvania had a total of XXXX unauthorized debit card charges totaling {$360.00}. I repeatedly tried contacting the bank until finally getting a response and then cancelling my card with an investigation being launched. Consequently, on XXXX/XXXX/16 my account was charged an additional {$34.00} for an overdraft due to the unauthorized charges. I 've repeatedly left messages for the manager at the XXXX XXXX branch to contact me with no response. This all took place after a total of {$100.00} in unwarranted overdraft charges were levied on my account the week prior ... XXXX and XXXX/XXXX/16. Please request an investigation into these charges on my behalf and a proper resolution. 

Thank you
Product: Debt collection

Please be advised that I am disputing this collection due to the fact that  Williams Rush & Associates   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX  does not currently have a valid license in Texas to collect on Debts. I searched the Texas  Secretary of State Web  sites (    XXXX   XXXX   XXXX    ) d ebt collector search and was unable to locate a bond on file.   since I was unable to pull up the information online I called  X/XX/ 17   to confirm if in fact they were bonded in Texas to collect debts and was informed by the Lady on the phone that they collect in all  XXXX  states but she was unable to provide a bond number for Texas or even in fact confirmed that they are even bonded.
Product: Credit reporting or other personal consumer reports

I was affected by the Equifax data breach. Like millions of others, my personal information, including my name, Social Security number, birthdate, and address, was exposed in the breach along with negative and closed accounts. Since then, Ive been concerned about the potential for identity theft and fraud. This breach has caused significant stress and inconvenience, as it feels like I have to remain constantly vigilant against the possibility of my information being misused. It has also impacted my confidence in the ability of companies to safeguard sensitive data, which has led me to be more cautious in my dealings with credit reporting agencies and other financial institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

The following accounts were not removed after the time frame required by law. 
See below. 

XXXX XXXX Account Number XXXX {$9300.00} XX/XX/2019 XXXX/XXXX   Account Number XXXX {$380.00} XX/XX/2019 XXXX/XXXX {$100.00} XX/XX/2019 XXXX XXXX Account Number XXXX {$40000.00} XX/XX/2019 XXXX Account Number XXXX {$4400.00} XX/XX/2019
Product: Credit card or prepaid card

Chase closed my accounts and did not inform me specifically why.
Product: Prepaid card

On XX/XX/XXXX, I was trying to use my prepaid card and it kept declining. I had just had a direct deposit and the funds should have been on the card. When I looked at the transactions I found what made the card decline was a charge of XXXX from XXXX XXXX. I had indicated to XXXX XXXX in XX/XX/XXXX that I did not want to continue to do business with them and to cancel my subscription. What I did not realize was XXXX XXXX continued to charge my card XXXX for XXXX, XXXX, XXXX, and XX/XX/XXXX. I was not aware of the charge because I got every notification for my prepaid card except for the notification that XXXX XXXX was taking money from my card. I have a document I screenshot of my last notifications from Credit Karma off my phone which only captures the months of XXXX and XX/XX/XXXX, XXXX XXXX would not give me access to XXXX and XXXX 's notifications. I have my activity to show my transactions that show the XXXX coming out of my account. I only realized this because my transaction declined multiple times. XXXX XXXX refunded me for XXXX months on XX/XX/XXXX but my issue is I was not made aware of the transactions applied to my account for only this business. I got all the other notifications.
Product: Credit reporting or other personal consumer reports

i recently reviewd a copy on my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Debt collection

SANTANDER CONSUMER USA

Contact XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF $XXXX  THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Credit card

I was coerced to sign the credit card agreement under duress. Due to urgent health matter. This was through a dental procedure which was incorrectly done. And was charged XXXX via Care credit. This dental office is called XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. And my dental insurance told me. They are not affiliated with my union.
Product: Checking or savings account

On the advice of our supplier, XXXX XXXX XXXX XXXX, we opened an account with Chase Bank, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX. Phone XXXX XXXX XXXX. We deposited funds and made several transactions. XXXX XXXX is also a Chase customer and they have several accounts with Chase. 

Then we got a letter from them stating that they were going to close our account on XX/XX/XXXX. No explanation was given. 

We had an invoice due to XXXX XXXX, one of our suppliers, for {$180000.00}. We first made two attempts to wire the funds to XXXX XXXX XXXX XXXX but Chase denied the wire transfers. So we wrote a check to XXXX XXXX XXXX XXXX, for {$180000.00} and overnighted it to them on XX/XX/2018. 

Today we have been informed that Chase returned the check, even though there were funds in the account. They refuse to deposit the funds in the XXXX XXXX  account, even though both accounts are Chase accounts. They refuse to return the money to us by either wire or overnight mail with a certified check. They state that it will take up to 10 business days for them to honor the funds and return them to us, despite us having written the check 8 days ago. 

They suggested that we drive to XXXX to retrieve the funds, which is a 10-hour round trip. Not acceptable.
Product: Credit reporting or other personal consumer reports

So was working at work and as usual I checked my credit score to see whaty score is and I notice to add-ons to my account so I look further into it and it says something regarding to the department of education and then I looked online and it is something in regarding to a third party with XXXX personal loans for school and it was {$2000.00} and the other ones XXXX and so I I went directly and talked to the company itself and they're like yeah it looks like you applied and I keep telling him now fraudulent and so from there me and the company can I gathering some information and two for two or three weeks I kept getting them information paperwork proof of me the signature high school diploma my home address and all that stuff just to confirm it was me but they concluded that it was at the end that it was me who applied and I don't remember applying because at this more time I did not really feeling going back to school so I kept going going and just obviously you keep asking for more information to provide and I don't have no more information and it was just getting very frustrated it's already the fifth week with this problem so that's on trying to figure this out but unfortunately I don't have any other thing besides freezing my with one of my credit bureaus which is XXXX I froze my account so my social security number so there won't be no no more future loans and if I do decide to go different job or something like that oh I'm freeze it but till then I'm trying to sort this out and I feel like there's something off about this because this person unfortunately a different information on there besides like a different email probably my social security number was on there my phone number was not there but had XXXX different references which I don't recall their being for that so and that's pretty much where it's at
Product: Credit card

On XX/XX/2024 I clicked on a promotional offer from Capital One on the website of one of their marketing partners ( XXXX, XXXX, etc. ). The promotion offered a {$200.00} dollar signup bonus for a new Quicksilver credit card account, so long as the new cardholder spent {$500.00} in the first 3 months following activation of the card. After clicking on the offer, I was sent to the application page for Capital One and filled out the application, answered all the questions, submitted the application and received immediate approval. I activated the card on XX/XX/2024. Today, XX/XX/2024, I went through the enclosed information in the envelope in which the credit card had arrived and didnt see any details about the bonus, so I called the number on the back of the card. The agent who assisted me ( XXXX, employee # XXXX ) informed me in sort of vague terms that I hadnt signed up for the bonus, as if I had missed some section of fine print or something on the application. I tried to get better clarification, retelling the narrative of the steps I took as outlined above, and he subsequently left me on hold for an extended period as he claimed to be conferring with someone about the issue. He came back and expressed some further vague confirmation that I had not signed up for the bonus, though he did concede that the card does include a bonus, but had trouble articulating to me in more specific terms why I didnt qualify for the bonus, even though I had followed all the steps outlined above. Its possible that native language difference was preventing us from accomplishing better communication. Regardless, I did finish by restating my narrative one final time, and asking him to confirm once more for the record that Capital One, through their representative, him, XXXX, that the bank was refusing to provide the sign up bonus which, as it turns out is a real thing they do offer, and which had prompted me to apply for the card, which I had activated by clicking on the offer link on the website of one of their official promotional partners that in light of all this, they were indeed still denying me the bonus. He emitted an uncertain mumbly, yes and I thanked him.
Product: Credit reporting or other personal consumer reports

In XXXX a trip was purchased using XXXX which was subsequently cancelled due to COVID and mandatory quarantine. The original travel agency then credited back the amount of the trip but after reviewing my credit reports I noticed XXXX  then reported collections on XX/XX/XXXX through XX/XX/XXXX ( after I contacted them several times to explain what happened and how the trip was credited back ). Also they reported CO for XXXX XXXX and there after reported collections for XXXX XXXX XXXX 

After having no relief from the crediting company XXXX I filed several disputes with the credit bureau 's and it was not handled effectively, and it resulted in no change on my credit report. 

I am demanding this is deleted from my credit reports after inefficient investigations. They also refused a reinvestigation.
Product: Debt collection

I have not received paperwork/a contract from this business who is attempting to collect an alleged debt from me. I sent a letter on XXXX XXXX, XXXX and requested a validation of an alleged debt in the amount of {$720.00} to World Acceptance Corporation to no avail. In the letter, I requested the agreement bearing my signature stating that I agreed to assume the debt, the agreement stating the amount of said debt along with any accrued interest, as well as complete payment history for the debt allegedly belonging to me. In addition, I also included in the letter the account number tied to this debt that shows on my credit reports. I find that the response that I received from World Acceptance Corporation is unacceptable, and I believe the response to be a stall tactic. Validation of a debt is forwarding copies of the actual proof of the alleged debt and account in my name with my approval or signed statement of contract with the service per FDCPA. The response that I received from the creditor, World Acceptance Corporation, for validation was considered " frivolous '' in their words. I am dismayed that my concern for my credit, as important as it is, is considered frivolous by this company. It is my right, by law, to have any debt reported on my credit validated. I have provided World Acceptance Corporation with the account number which they themselves reported to the credit bureaus, and they still seem unwilling and/or unable to to validate this debt that I allegedly owe. This collection is a stumbling block on XXXX XXXX to homeownership. Considering that this business does not have a contract with me for goods or services they allegedly provided nor have they provided adequate proof, I am pleading to have this item deleted off of all of my credit reports in fairness of my rights with the laws and regulations of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account unde, an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following account have violated my rights 15 u.s.c 1681 section 602 A states i have the right to privacy 15 u.s.c 1681 section 2 it states a consumer reporting agency can not furnish a account without written instructions XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Acct # XXXX, Acct # XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX # XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

I am coming to the end of my forbearance period on my VA-backed loan serviced by Freedom Mortgage. On two separate occasions, I called and asked about my post forbearance options. After conducting additional research, I found out both the Cares Act and VA policy allow for loan deferment with the amount owed being placed in an interest fee account. Right now, Freedom is only offering Loan Modification or a 12 month repayment plan of what is owed.