23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I purchased an automobile through XXXX and it was financed with Santander Consumer USA. I had to have a co-signer to ensure that I could get the car. The car was totaled in an accident that I had where a tree was in the road and due to low viability, I drove over the tree. My insurance totaled the car out and there was a renaming balance left on the finance. During my finance I was harassed by agents telling me that my car was up for repossession and I was not even 60 days behind on my payments. I have requested validation of the payments that they are reporting to my credit history. This has damaged my from getting credit with other creditors. I would like for this to be removed from my credit report and ensure that it is not sold to another company who will then report it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX To Whomsoever it May Concern ; This about consumer credit transaction entered with your company XX/XX/XXXX and I extended your organization the credit for the account no XXXX. 

I hereby give your company notice XXXX to 15 USC 1602 ( k ) that your company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the cost of credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( 2 ), the term adequate notice means a printed Notice to a cardholder which set forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning .Such notice may be given to a cardholder by printing the notice on any credit card, or each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 
Since adequate notice was not given as per the above mentioned section, I couldnt understand its meaning which is a violation under 15 USC 1602 ( K ).

Further pursuant to 15 USC 1601 ( A ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction, therefore made an uninformed decision and it resulted in multiple billing errors, and unfair card practices.

From your end I have not benefited from this transaction which is again a violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), The term Unauthorized use means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit. 
I hereby request you to do the below mentioned XXXX. Remove all late PAYMENTS Ive been affected dramatically by these billing errors, denied for rental agreements and more. If you accept my request, I will not escalate this matter to Federal Court. In case you dont accept the above request, a legal action shall be taken against your company for compensatory damages. 
Thank you for your attention to this matter Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  told me they have been unable to report since XX/XX/2022 due to a new reporting system. I was told by XXXX and Equifax to mail them my statements for manual updates. They failed to correct and insist they are verifying inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureau on XX/XX/XXXX, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$180.00} ; XXXX XXXXXXXX XXXX  Opened : XXXX XXXX, XXXX Balance : {$93.00}.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain hard inquiries that appear on my credit report. These inquiries were made without my authorization or knowledge and are negatively impacting my credit score. 

The unauthorized hard inquiries are listed as follows : Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor Name : OneMain Financial Date of Inquiry : XX/XX/XXXX Creditor Name : OneMain Financial Date of Inquiry : XX/XX/XXXX Creditor Name : OneMain Financial Date of Inquiry : XX/XX/XXXX I did not initiate or authorize any credit application or transaction with these companies, and I am requesting that these hard inquiries be removed from my credit report immediately. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or unauthorized information on my credit report. Please conduct an investigation into these inquiries and provide me with the results of your findings. 

If the inquiries can not be verified or if they were made in error, I expect them to be removed from my credit report promptly. Additionally, I request that you provide written confirmation of the removal once the investigation is complete. 

Please respond to this request within the legally required 30-day time frame. 

Thank you for your time and attention to this matter. I look forward to your timely response. 

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

I consumer XXXX XXXX, received a consumer report from TransUnion and noticed fraudulent accounts that I didn't consent to nor give written instructions to furnish on my report pursuant to 15 USC 1681b ( a ) ( 2 ). The fraudulent accounts are inaccurate and have affected my creditworthiness. Pursuant to 15 USC 1681 ( 4 ), the fraudulent accounts are an invasion of my right to privacy. I sent an investigation letter to TransUnion more than 30 days ago and have not received any response. I am deeply distressed by TransUnion 's noncompliance. TransUnion is civilly liable pursuant to 15 USC 1681n
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my multiple attempts to notify XXXX and TransUnion credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance $ XXXXDate Opened : XX/XX/XXXX XXXX Balance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX Balance $ XXXXDate Opened : XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello My husband had opened an account through citibank last XXXX 2022, we were able to open the account with no issue, i was able to do a deposit with no problem and I did set up that account for may payroll. And then a few days after I received a notification saying that my account will be closed without further notice, I have been calling them ever since, they keep calling me that our account is on a process of being closed and that we have to wait until it's done and they will automatically send me my funds to the mail once it was over, I have been following up to them ever since, they haven't notified me or anything in regards the issue, I have atleast {$1900.00} in that account and now they are not giving me my money back. I almost lost my house because of them not releasing my money, I tried the best I can to resolve the issue. But they can't even give me a proper explanation on why are they not giving me my money.
Product: Checking or savings account

XX/XX/XXXX of last month I open my account with citibank 4 days later on the XXXX they blocked my user ID due to a XXXX i made so I didnt have access to the mobile app or the website I tried to call to unblock it but they kept asking me for my card number. How am I supposed to have my card number? If I dont have my card yet they barely shipped it out the XXXX as well. So I had to wait over a week and there was over {$3000.00} in the account at the moment. I get the card and they still cant help me. I unblocked my user ID, but I still dont have access to the app or website. It takes me to a page where its asking for my card number the ATM pin and the account number. how am I supposed to get the account number if I dont have access to the website or mobile app so I tried to call and get my account number, but they dont provide my account number for me due to security reasons and I cant go in person theres no in person bank in XXXX, Arizona for them so I try to take out my money with the card because my card still worked and then they froze my card or block my card so I called customer service. They gave me a fraud, specialis number to call. I called them. They asked for information I give them it. They asked to verify me with my number through message I did that they asked to verify me with my XXXX I did that as well then they ask a third time to verify me a different way tho they wan na swap the call. I tell them i cant swap the call I dont have another phone that works like that. Then she tells me I cant help you. I have to wait for a letter thats gon na have a phone number and a code but this has been going on for almost a month and they barely sending me a letter. theres {$1700.00} in the account I have no access with my card or no access with that mobile app or website. Basically open the account and they just trapped my money.
Product: Debt collection

I have no idea what this profile that was opened XX/XX/2022 with a debt of {$540.00} is. I never used any of my credit to get a loan or anything so im confused
Product: Debt collection

I, XXXX XXXX XXXX, am XXXX  and hold superior title and ownership over my name XXXX XXXX XXXX. I rebuke and reject Santander Consumer USAs promissory note and claim of ownership over my name XXXX XXXX XXXX. I command Santander Consumer USA with the account number XXXX to remove their debt immediately from my credit profile. I am XXXX  and the federal Fair Credit Reporting Act ( FCRA ) promotes the equity, whiteness, and fairness in order for the Santander Consumer USAs debt to be free from my credit profile. The attached documents is evidence I hold superior title and ownership over my name XXXX XXXX XXXX and that Santander Consumer USA has no standing at law against my superior title and ownership over my name XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM THIS MAY CONCERN : I have been informed that I have negative information reported by Pennsylvania Eastern Bankruptcy Court in the file you maintain under my social security number. Upon ordering a copy of my credit report I see an entry from this court listing filed on XX/XX/XXXX. LEXISNEXIS is the data furnisher to XXXX who is reporting this bankruptcy on my credit report. Yet you are providing inaccurate information to XXXX and violating my consumer rights. The case number/Reference number you have on file is inaccurate and the date paid. How would you know the date I paid or the amount I paid? My privacy rights are being violated and you have no right to disclose my transactional history. Please validate this information with the court and provide me with copies of my documentation associated with this account granting you authorization to report this information, bearing my signature. I formally request that you that this information be immediately DELETED from the credit file you maintain under my social security number. I have attached the case summary AND the transaction receipt as of XX/XX/XXXX. The bankruptcy court name is inaccurate DELETE THE BANKRUPTCY FROM YOUR RECORDS. IT IS AN ERRONEOUS ERROR ON YOUR PART AND I DEMAND A DELETION. You are reporting inaccurate information of a bankruptcy to XXXX. I am requesting that you DELETE this from my consumer profile at LEXISNEXIS. You are violating several of my consumer rights. 

Firstly, you are violating my rights to my privacy LEXISNEXIS violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 15 U.S. Code1681n ( 1 ) A - ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. YOU DO NOT HAVE MY PERMISSION TO HOUSE ANY OF MY INFORMATION AND SHARE IT. YOU ARE REPORTING INACCURATE INFORMATION AND I DEMAND YOU DELETE THIS INFORMATION from your records ASAP! XXXX is a data furnisher of bankruptcy information for XXXX and the information you have is inaccurate and I DEMAND A DELETION OF MY CONSUMER REPORT FROM YOUR RECORDS OR I WILL TAKE LEGAL ACTION. I have also attached my XXXX reporting and my case summary of the bankruptcy. Totally inaccurate and erroneous information being reported. The case number is wrong. DELETE DELETE DELETE! 

Sincerely, XXXX XXXX last four of SS # : XXXX XXXX : XX/XX/XXXX
Product: Debt collection

On XXXX/XXXX/15 I cancelled my internet service with XXXX. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I called XXXX due to bills received that did not reflect the final balance. Since then XXXX has sent my account to collections. I do not owe {$130.00}, my bill should not have been more than {$30.00} or {$40.00}.
Product: Student loan

i WAS CONTACTED 6 MONTHS AGO BY VAN RU CREDIT CORP TO COLLECT ON A DEFAULTED STUDENT LOAN THROUGH XXXX XXXX. VAN RU HAD STARTED GARNISHING MY CHECK AND TOLD ME THAT IF I PAID XXXX A MONTH FOR 5 MONTHS THEY WOULD SUSPEND THE GARNISHMENT. i FULFILLED MY END OF THE AGREEMENT AND THEY ARE STILL GARNISHING MY WAGES. i HAVE CALLE DAND SPOKEN WITH REPS AND TWO SUPERVISORS ABOUT THE SITUATION. tHE FIRST TIME I WAS TOLD THAT IT TAKES 7-10 BUSINESS DAYS. i WAITED THE 7-10 BUSINESS DAYS AND CALLED BACK THEN I WAS TOLD THAT THEY HAD TO TALK TO XXXX XXXX IN ORDER TO SUSPEND THE GARNISHMENT. i WAITED ANOTHER WEEK ONLT TO BE TOLD THIS TIME THAT XXXX XXXX HAD NOT RESPONDED TO EMAILS. i CALLED BACK 3 DAYS LATER AND WAS TOLD THE SAME THING. MEANWHILE THEY ARE STILL GARNISHING MY CHECK.
Product: Mortgage

We filed for chapter XXXX bankruptcy and during this payment plan our GMAC loans were sold to Ocwen. In XXXX 2014, we completed our bankruptcy payment plan which also included an adversary proceeding for our XXXX mortgage with ocwen. After everything was completed and filed with the courts, we received a notification of payoff from Ocwen on the XXXX mortgage and our note stamped paid. Now, we are attempting to close on our house and find out that ocwen did not record the lien release with the county. We have attempted to contact Ocwen 2 times, the title company has attempted 4 times and we do not get any return phone calls or action. We are now facing, not being able to close on our home because of Ocwen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I TRIED TO PAY A DEBT AT XXXX XXXX XXXX XXXX, MY CARD WOULDNT PROCESS THROUGH THEIR SYSTEM SO I WAS DIRECTED TO CALL THE CLIENT DIRECTLY TO PAY, IN WHICH I DID BUT WAS TOLD MY ACCOUNT WAS AT A XXXX BALANCE AS I WAS ON MEDICAID AND MEDICARE WHICH I TOLD THE COLLECTION AGENCY. I CALLED XXXX XXXX BACK AND ASKED THEM TO REMOVE AND THEY REFUSED.
Product: Debt collection

I owe money on my credit card, however the bank blocked me from my online access, which is the only way I have to pay off my debt. So I obviously cant make payments if they have locked me out of my account.
Product: Credit reporting

I have never lived in the states of XXXX, or XXXX or XXXX XXXX in XXXX XXXX.
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 under an open end consumer credit plan as late for d purpose. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion has committed multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). First, the reinserted XXXX XXXX XXXXXXXX XXXX ( Account numbers : XXXX and XXXX ) were added to my credit report without providing the required notice under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). The FCRA explicitly states that if a previously deleted item is reinserted, the consumer must be notified within five business days. TransUnion failed to meet this requirement, constituting a direct violation of federal law.

Second, these disputed accounts do not appear on my credit reports with XXXX and XXXX, raising serious concerns about the accuracy and reliability of TransUnions reporting. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to ensure maximum possible accuracy when reporting credit information. The inconsistency of these accounts compared to other bureaus demonstrates a clear failure to meet this legal obligation and undermines the credibility of TransUnions data.

Furthermore, these violations may reflect willful noncompliance under 15 U.S.C. 1681n, which holds credit reporting agencies liable for knowingly breaching the FCRA. The failure to provide proper reinsertion notification, combined with inaccurate and inconsistent reporting, highlights gross negligence in TransUnions adherence to federal regulations. These actions have negatively impacted my credit and violated my right to fair and accurate reporting.

I demand immediate corrective action to rectify these violations, including the permanent removal of the accounts and a full investigation into TransUnions failure to comply with the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I was a victim of my information being exposed in the XXXX XXXX law suit people were using my information and sccounrs
Product: Debt collection

I XXXX XXXX XXXX am filing this claim against Capital One Auto Finance. Over the last couple of months, Capital One Auto Finance has been wrongfully and fraudulently attempting to collect a debt that I do not owe to them. After researching their claim, I have come to realize that their claims are tied to securities fraud. I have sent out correspondence through certified mail as an attempt to have Capital Auto One Finance resolve the issue and produce undeniable evidence of their claim and they have failed to do so. I DO NOT have any contracts that bind me to any obligations or duty to perform with Capital One Auto Finance, yet they have gone as far as to falsely report false and damaging information to the credit reporting agencies, of which I also DO NOT have any binding contracts giving consent, that I've sent a cease and desist. They have also sent a cease and desist that stated they will no longer contact me regarding this matter, and yet they still do make contact. And during my research, I realized that Capital One Auto Finance does not have a license to collect debt in Florida. I have also communicated my disapproval with said credit reporting agencies ( XXXX, XXXX, XXXX ) that I have not given consent to disclose any of my private information. 
This is my third attempt to try and resolve the issue with Capital One Auto Finance. 
I would like some help in addressing the matter.