23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am contacting you as Fidelity credit card has cancelled my account. Their decision was based on a theft that occurred. I had packages delivered to my front door which were stolen. I have a police report to prove that this occurred. Elan Financial has made several errors to my account plus made errors making payments for overpayments to me. 
The decision to close the account was based on the theft which occurred. ( I have a police report for this and the company has hurt me due to theft done against me ) I am having issues with the credit card company as they are now not treating me fairly and now being faced with several issues that they are not being fair. 

I'm going to be negatively impacted due to their closing of the account. I am upset as this will impact my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these accounts and inquiries were made without my authorization. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), fraudulent items must be removed from my credit report. 
Fraudulent Accounts : XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX CARD - XXXX - XX/XX/XXXX - {$100000.00} Fraudulent Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Debt collection

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me.

For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Product: Checking or savings account

Hello, My name is XXXX XXXX. I have been a loyal customer of TCF Bank for a year. I am a single mother of XXXX children. I get direct deposit from my employer every two weeks, a child support deposit at least once a month, and a bonus check from my employer once a month as well. I overdraft my bank account two times per month to be able to feed my children, and make it through the week. I am aware that I have to pay a {$37.00} overdraft fee, however when I overdraft my account I am not only charged with ONE overdraft fee but three to four when transactions are pending in which funds were available before I overdrew my account. This time I made a {$340.00} deposit from my employer which I had in the past made a deposit for. I received a receipt from the ATM that shows an available balance of {$540.00}. I then made an online payment online using my debit card in the amount of {$280.00}. I checked my bank account to ensure that the funds were going to be deducted, and saw that my bank account had overdrawn to a negative {$68.00}. I called the bank and was suggested to make a {$68.00} deposit " To prevent a overdraft domino effect. '' I live paycheck to paycheck and do not have {$68.00}. I have asked my employer for the cash to cover that. Which is humiliating after being paid my bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a request to have All Closed accounts on ALL 3 credit reporting agencies : XXXX, XXXX, and Experian, DELETED from their databases. 

All three credit reporting agencies have not deleted items off my report since I have requested multiple times for them to do so as they have not provided me the Original Signed Documents for any of the accounts that are listed and would allow them to report any of the accounts on all 3 reporting agencies. 

items are past or near statute of limitations and bare no such right to be on my reports at all as accounts are Old, Closed, and have not been deleted and resolved upon my previous requests. 

I have attached the disputes I have sent to them showing details of dates, names of accounts etc.. that need to be deleted immediately.
Product: Vehicle loan or lease

I have made a half dozen attempts to have this taken off of my credit as it shows my account is open which it has been closed paid in full and duly noted on 3 to 4 occasions by XXXX XXXX XXXX  with the profound and profuse apologies Ive even gotten correspondence in the mail email and the dealership in which I determine vehicle and purchase my new vehicle the controller has the information as well as the finance department and the general manager. I am a single mother of XXXX who was left with two foreclosures from a ex-husband who left my children and I XXXX and no choice but to relocate to another state and start over. With seven years of that on your credit and having to start over as a single mother raising XXXX kids you can imagine what this is done to me reliability to get credit to even have a credit card. Ive been more than nice and patient with every phone call Ive made and every person expecting to but every six months this happens again and its destructive and destroying my life. I want every one of the three credit bureaus to receive a letter of apology and correction and whatever they can do to conserve compensate me for the absolute nightmare than dealing with for 34 years of not being able to get a credit card of not being able to secure a financial home for my son to go to college not be able to have my name on my mortgage because my credit wasnt good enough. Its quite humiliating. Please any and everything you could do to advise me as to what my rights are arabesque about selling and settling this from my best interest and to be sure this never happens again to myself or someone else would be appreciated. Thank you so much in advance. Single frustrated Mom
Product: Vehicle loan or lease

Santander Consumer USA was the lender. <P/>The vehicle I had financed with them was repossessed by them sometime in the late summer of XXXX. To this day I do not know what the exact terms on the loan were. I feel like I was pressured into financing with them. They were terrible. I first became delinquent on the loan in XXXX during a time of financial hardship due to being in a small accident in the vehicle. I communicated with Santander often. I ended up loosing my home and became virtually homeless. Santander charged off my auto loan after being a month behind. The loan was showing as a charge-off/repo on my credit even before they attempted to repossess the vehicle. I had actually caught the account up and they informed me the auto loan would remain in charge-off status until the loan is paid off. This has damaged my credit report. Even after they repossessed the vehicle. They are still updating my credit report with increasing balances. They constantly report the account open and closed at different times, which causes my credit score to fluctuate significantly. While the vehicle was being looked for they threatened me to report the vehicle stolen to the police and have me arrested. Something that is illegal to do. Santander is a predatory lender and must be investigated. To me they are XXXX themselves. I really need help. I am trying to get a home. They have even forwarded this alleged debt to multiple collection agencies who did nothing but harass me and make threats and still kept this old auto loan open on my report. This has all caused me tremendous amounts of stress and anxiety and anguish.This corporation is very malicious.
Product: Student loan

Acct : XXXX Nelnet has refused to discharge my loans multiple times. I, XXXX XXXX XXXX, a living natural person has reported a XXXX along with a corrected version that were accepted and mailed to Nelnet 's XXXX office from the IRS. XXXX is considered a negotiable instrument and does categorize as tender of payment. 

UCC 3-603 states : b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.

Furthermore, my last CFPB complaint states that my loan was already discharged with my signature and traded on the secondary market for their own beneficial use. Nelnet replied that this was not correct, they do not trade on the secondary market and that I was responsible for the debt despite my account being transferred from the original holder in due course. I took the liberty of finding Nelnet 's words on their XXXX form filed XX/XX/XXXX and it reads as follows : Investment portfolio - debt securities The XXXX invests excess cash in debt securities, primarily student loan and other asset-backed securities. Included in NFSs debt securities portfolio are certain of the Companys own asset-backed securities ( bonds and notes payable ) that were issued to finance student loans that the XXXX repurchased in the secondary market. For accounting purposes, these notes are eliminated in consolidation and are not included in the Companys consolidated financial statements. However, these securities remain legally outstanding at the trust level and the XXXX could sell these notes to third parties or redeem the notes at par as cash is generated by the trust estate. As of XX/XX/XXXX, the par value and fair value of the XXXX debt securities held in the XXXX division, including its own asset backed securities, was {$900.00} XXXX and {$820.00} XXXX, respectively. The XXXX has entered into repurchase agreements ( debt ), the proceeds of which are collateralized by the asset-backed securities ( bond investments ). As of XX/XX/XXXX, the XXXX had {$200.00} XXXX of repurchase agreements outstanding that were collateralized by {$250.00} XXXX ( fair value ) of asset-backed securities investments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment through the XXXX XXXX  app and also set up auto pay. The auto pay never processed. I also have alerts set up on my account so that if there is a payment missed or late, I would be notified, Not only did the autopay not process but I also did not receive any alerts. I was only notified by XXXX XXXX that a payment was missed. I called XXXX XXXXXXXX to report the system error and they transferred me around for 3 hours. They admitted that there could have been a system issue with the app but continued to insist that there was nothing they could do about it. This is very unfair and wrong. I am doing my best to pay this debt off. This is a closed account. I should not be going through this. Can you please help.
Product: Credit reporting or other personal consumer reports

There are fraudulent accounts on my credit report, including one from a company called XXXX. I have already submitted an FTC fraud report regarding this account and reported it to XXXX, but it has not been removed. Despite repeatedly sending the fraud report to XXXX and the company, the responses are always generic, claiming the account is mine without providing any evidence, documentation, signatures, or original paperwork to validate the account. My repeated requests for validation have gone unanswered. 

XXXX has also failed to address this issue. Additionally, the company collecting on this loan has accessed my credit report without authorization, obtained and updated my address in their records, and has since sent mail to my current address. XXXX seems to be relying on this unauthorized information, yet this does not prove that the loan is mine or justify its continued presence on my credit report.
Product: Debt collection

I have send in the information to XXXX  and Comenity Bank about several credit cards that was on my credit due to Indenitity theft. I send in the copy of the police report and the FTC indetity theft report. XXXX and XXXX XXXX has removed the items off my credit report but XXXX and the bank is still sending me the bill to pay I have been trying to get this resloved it has been going on two years and I do not know what to do next This date back to XXXX and the total amount is over {$2000.00} ( which is four credit cards I have not had in my possession at all. One of the cards was removed but the other three are still listed and I am still getting bills from the bank and on the credit report all four came from the same bank, Do not understand how you delete one and not send me the bill for it but still send the bills for the other three all of them was opended around the same time along with several other cards
Product: Credit reporting or other personal consumer reports

I am definitely not satisfied with the way you verified these disputes. I'll be serious in dealing with these inaccuracies that you are reporting whi ch affects my score. My succeeding action would be filing complaint with the Attorney Generals Office if still these aren't fixed. You guys even sent me letter saying that these account are verified? You serious? How comethat you come-up saying that these accounts are verified yet there are no supportingdocuments that prove that these are accurate. I need you to perform a reinvestigation on these ambiguous accounts : XXXX XXXXXXXX XXXX Late Payment {$0.00} XXXX  XXXX Late Payment {$310.00} XXXX XXXX XXXX Payment {$0.00} XXXX XXXX XXXX Late XXXX {$510.00} XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXXXXXX Late Payment {$960.00} XXXX XXXX Late Payment {$14000.00} XXXX XXXXXXXX {$9000.00} XXXX XXXX {$4300.00} XXXX XXXX XXXX {$2600.00} XXXX XXXXXXXX {$1500.00} XXXX XXXXXXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$1400.00} XXXX XXXX  XXXX {$1400.00} XXXX XXXX {$1200.00} XXXX XXXX {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX {$1000.00} XXXX XXXX XXXX ( Original XXXX XXXX XXXX ) XXXX {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$980.00} XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX {$670.00} XXXX  XXXX XXXX {$54.00} XXXX  XXXX XXXX {$34.00} XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX {$10.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} TXXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX XXXXXXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent everything certified mail as well. 

This is all for Account name : XXXX XXXX XXXX XXXX 
Account number : XXXX. 
Your agency is in clear violation of the FCRA law under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : 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. FCRA 15 US Code 1681a- Rules of construction : ( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE the account above from my consumer report, this agency is in violation of 15 USC 1681a Failure to respond with deletion of the above referenced account, and send out a free copy of my updated report after the changes have been made will result in legal action being taken against your company, for which I will be seeking {$1000.00} per violation for : 1. Deformation of Character. 2. Neglect meant enablement of identity fraud. 3. Fair debit collection practices act 15 USC falsifying violations 4. Fair credit reporting act 15 US C 1681n violations for Civil liability for willful noncompliance
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : The following account/alleged debts are reporting to my consumer report, I, the consumer did NOT give Equifax any written instruction to do so. This action is an infringement on my right to privacy, and each a violation of the Fair Credit Reporting Act. 

Under 15 U.S.C. 1681b Permissible Purpose 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 instructions of the consumer to whom it relates. 

Under 15 U.S.C. 1681 Congressional Findings and Statement of Purpose ( 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 a consumers right to privacy. 

As previously stated, I gave no consent to report this account or its balances to my consumer report, and no consent on my behalf is identity theft. A copy of these laws are included with this dispute letter. I am demanding a deletion of the account, & its multiple balances and balance updates reported on XXXX XXXX 2021
Product: Checking or savings account

On XX/XX/2020 I received a phone call from someone claiming to be with XXXX. They stated that there was an error with my XXXX account and needed to walk me through correcting the issue. 

They asked me several questions about my account, my name, my XXXX  account, etc. After asking for the information, They were able to access my account on my phone. They informed me that in order to correct this information they would need me to open my account app so they could ensure it was working properly with the XXXX. 

I noticed when they were doing this, funds began moving from my account through the XXXX app. This first transaction was for {$1200.00} at XXXX, however this transaction failed. I was told this was because my XXXX was broken. The second transaction was for {$1900.00} which was successful. I was told the XXXX was fixed at that point. I was then told the funds were being immediately sent back to the account. however they did not. When I questioned the representative she stated to just hold on a sec she was working to get the funds put back into the account. Then she hung up. I tried calling her back from the number that she called from, however it was a disconnected number. 

I immediately called Bank of America and advised them of what happened so they could try an investigate the theft that had just occurred on my account. They stated they would immediately look into this. 

Almost 90 days later I received a notice from BANK of America stating they would not refund my stolen funds.
Product: Debt collection

The collection agency is attempting to collect for XXXX XXXX XXXX. They are " balance billing '' after XXXX XXXX XXXX agreed and accepted payment in full from my insurance company for services. they have also contated my plae of emplymen and disclosed my debt to my coworkers who came to me and informed me that they did not think that was legal or right.
Product: Debt collection

I received a call on XX/XX/XXXX and my account representative with the company was like I owed {$810.00} for car insurance but back in XXXX  I had made a big payment and she said all that would be included in the payment and that my next payment would be due in XXXX. So when she reached out and said I owe the {$810.00} I was confused and was like you said it was paid back in XXXX  and that my next payment wasnt till XXXX  and she was like thats what she thought and continued to say that my car would be cut off if I didnt make the payment so I told her I didnt have it to pay right then and there and so she asked when Ill be able to pay it I let her know I wasnt sure because I wasnt expecting to pay that kind of money and I told her I may be able to pay the following week and before we ended the call I asked her can she put what she said over the phone into an email and she said yes and we ended the call. When I didnt receive an email I reached out through email and asked again and never got a response I have continued to call leave voicemails and email them and have to yet receive a response.
Product: Credit reporting or other personal consumer reports

Capitol One fraudulently made a " Hard Inquiry '' on my credit report on XX/XX/year> without seemingly doing any due diligence about it. 
Re : XXXX ID XXXX Capital One XXXX : XXXX While they acknowledged their mistake, they did not provide any information about what happened. As directed in a letter on XX/XX/XXXX, I mailed a notarized request for more information about this to Capitol One. The company never responded to that request and moreover allowed someone to fraudulently open a checking account in my name a few weeks later. In any case, I would like the information I requested about the hard inquiry in May that Capitol One seems unwilling to provide. While the company claims they " have fully addressed my concerns, '' they have not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I wrote a dispute letter to XXXX uploading proof from the United States Bankruptcy XXXX stating that they do not report my XXXX  XXXX bankruptcy to any Credit Reporting Agencies. Inlcuding not all XXXX, TransUnion, XXXX, XXXX XXXX. By Law 15 USC 1681 A ( 3 ) ( 4 ) Consumer Agencies have Assumed a Vital Role in assembling and Evaluating Consumer Credit other information on Consumers. It also states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I am fully justifying the deletion of Bankruptcy- XXXX XXXX in writing for all 4 Credit Reporting Agencies . This Public Record is harmful to my consumer credit. Any third party/ credit reporting agency who has directly obtaining my personal information to publicly harm me is a violation under law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 I attempted to speak to both XXXX and kohls/capone   about a hard inquiry that I never did. kohls states they have no record but will not provide letter of deletion and as for XXXX   they will not work with me without said letter. Both refuses to fix the problem of having an inaccuracy on my credit report.