23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX XXXX XXXX is stalking me and has began a harassment campaign. This company is misrepresenting the purpose of the call and disclosing personal information to people I barely know. The have failed to send any correspondence in the mail with a detailed discription of debt in question. This is a total violation of my rights.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry 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: Consumer Loan

I do n't have any credit cards and a lot of student debt so, my credit score is not very high. My job is an hour drive from my home so I needed a reliable vehicle. My interest rate was 21 %. 

I financed a vehicle for {$14000.00} in XX/XX/2012 with Santander Consumer USA. Currently I have paid them {$19000.00}. I have had some late payments which I understand can cause fees. I was looking to trade my car in because I am now driving a XXXX with XXXX miles to and from work for 2 hours every day and I have a small child who I would rather have in a more reliable vehicle. Checking the balances, I see my payoff balance is now {$13000.00}. This means over the past almost 4 years I have paid roughly {$1600.00} towards the principle out of the almost {$20000.00} I have paid towards the loan. If I pay this debt off according to their calculations, I will pay {$32000.00} for this car. There are numerous convenience and miscellaneous fees showing on my account. 

With the interest rate given, and the amount financed, I should pay a total of {$22000.00} on this loan, currently leaving me a balance of {$3400.00} NOT {$13000.00}. I have been changed and extra {$10000.00} in miscellaneous, convenience and late fees. While already paying an outrageous interest rate this company is taking advantage of people trying to build credit, then also hiding and deceiving. I was told by Santander my options were to pay the $ XXXX dollars to own the vehicle or to have it repossessed, they would sell it and then I would still owe for the remainder of the balance they would not get from the sale of the vehicle, further destroying my credit. The people I have spoken to are unknowledgeable and often say the same thing which tends me to believe everything they same is scripted. If I am late on a payment, they call me roughly once an hour while at work. 

What I want is to pay {$3400.00} to pay off and own this vehicle. That would be in alignment with my current loan and honestly that is still unfair, but is what I originally agreed to. I want Santander to remove all the errors on my account and all of the miscellaneous and convenience fees I was never aware were being charged. If this does not happen I am prepared to speak further to legal council about the laws they feel Santander has already broken. Thank you for your time and help in this matter.
Product: Debt collection

Called the company last year and told them I've been on XXXX and that this bill was not mines.
Product: Checking or savings account

XX/XX/XXXX : I called Wells Fargo to have them close XXXX of my smaller bank accounts, one of which I believe is currently involved in a lawsuit. Instead of closing the XXXX small accounts, Wells Fargo made a 'mistake ' and closed my main bank account which has many automatic payments attached to it. I have had this bank account since XXXX. I called Wells Fargo, and they said they were not able to reopen the account, and would need to investigate. My wife also went to the local Wells Fargo branch to explain the 'mistake " Wells Fargo made, and was unsuccessful in her attempt to reopen the main account. My wife and I both lost several hours of work, trying to work with Wells Fargo to fix their error. In addition, we are having spend time to change automatic payments to another account. 

This has caused much financial and emotional distress for us. It is such bad business practice that Wells Fargo can make a mistake and close a bank account immediately, and not be held accountable to fix their error. 

XX/XX/XXXX : I received an email that Wells Fargo is working on the problem, and would contact me within 10 days. It's amazing how they can disrupt our lives in a second, yet take 10 days to look into whether they can fix it or not.
Product: Credit card or prepaid card

In XX/XX/XXXX and XX/XX/XXXX, were made 2 transactions with Citi Dividend Card ( Last 4 Digits XXXX ). On XX/XX/XXXX 1st transaction was made for the sum of {$820.00}, and I was not aware of this transaction until it was put on my account under ( Credit Card # XXXX ). On XX/XX/XXXX Citi Fraud Department sent a text message to my phone IF I did a purchase for {$590.00} from Card ( Last 4 Digits XXXX ). I responded that its not my card and there was no transaction made by me. My card ( last 4 digits XXXX was blocked ). And Citi sent a new card in XX/XX/XXXX ( last 4 digits XXXX ). And transaction for {$590.00} was resolved as not mine Citi Dividend Last 4 Digit XXXX is Master Card isnt mine. 

The card I had first Last 4 Digits XXXX is Visa. 

On XX/XX/XXXX I was at work from XXXX to XXXX, in XXXX, Documents included Purchase was made in XXXX, NY XXXX XXXX After Citi card Security Investigation,  which in my opinion was not made properly, the sum of {$820.00} was added to my account ( Last 4 digits XXXX ) I was proving that Citi Card XXXX isnt mine, and I couldnt possibly be at work and in XXXX at the same time. 



Im fighting with Citi since XX/XX/2019, Calling Fraud Department, Customer Service, Security Department, and no one is responding adequate. No one wants to listen and solve the problem, which was not made by me from the beginning. 



Please help me to resolve the problem Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This was my second time contacting Trans Union credit bureau about fraudulent activity, On my Credit report do to im a victim Of Identity theft, the criminal clearly found someway to contact TransUnion and provided all of his information, I already told Trans union that, That was the wrong information. They had the wrong name address, and a bunch of fraudulent inquiries that I never consent too. when I asked them to help me and change the information, They told me no I had to go to their maintenance and then hang up on me
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I requested Experian to update my personal information on my credit file. In response, on XX/XX/XXXX, I received a letter stated that the information wasnt sent by me directly. As a result, they decided not move forward with my request. However, this information was sent by myself.
Product: Debt collection

On Thursday, XX/XX/XXXX, I listened to XXXX messages from XXXX ( a woman 's voice ) and XXXX ( a man 's voice ) with the exact message. " You have an important message from Credit Service Company. This is a call from a debt collector. '' When I called the first number, I was told my call was being recorded and then when I asked who they represented, they asked for my personal information. I informed the woman I was tape recording the call, she hung up. I called the second number and heard a recording that my call was being tape recorded, a man came on and I asked to speak to a manager. The man said, " You are in no position to ask to speak to a manager! '' I then told him, I was taping the call. The man stated, " That was impossible! '' When I said I was holding my cell phone to the receiver, he hung up! 
I looked on line for the company called Credit Service and called the number listed. The number has been disconnected. ( XXXX ) To my knowledge I have no outstanding debts and my credit is excellent. How do I find out in a safe manner if I do have an outstanding debt? Giving my SSN etc. to anyone especially on the phone etc. is not anything I am willing to do! 
Thanks
Product: Credit card or prepaid card

I have tried to use my rewards card from XXXX. You are able to obtain it when you buy cashback your phone through XXXX XXXX. I had obtained {$13.00} on my account and redeemed it as a virtural card. I have tried for almost a year on and off unable to use it. Then I noticed they charged a {$5.00} inactive fee. I have been unable to use it because of them. After multiple phone calls I have gotten nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX XXXX XXXX XXXX, Account name : XXXX  XXXX Acct # XXXX, Account name : XXXX XXXX Acct # XXXX, Account name : XXXX XXXX Acct # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681 ( ComenityBank/Victoria ) XXXX 

15 USC 1681 section 602 A 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 accounts without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I took a loan with XXXX XXXX XXXX XXXX. Defaulted on payment due to financial hardship. Debt was sold to XXXX XXXX XXXX, offered to set a payment arrangement and they didn't feel the amount I was offering to pay was enough. The account is reporting twice on my credit report causing my overall debt to income being too high. This one debt count as over {$26000.00}.
Product: Checking or savings account

on XX/XX/XXXX I received a deposit in 2 amounts {$300.00} and {$250.00} like I always do every week on XX/XX/XXXX i was defrauded out of {$3500.00} now I have to fight with them to put my money in an account they had to open because of fraud like why do I have to keep going through this with TD BANK I never experienced nothing like this in my life I have spoken to them over 4x and its still not resolved meanwhile I don't have money to feed my household cause TD BANK Allowed someone to take it from me and now they are holding my money XXXX.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/year>. I tried contacting the creditor, but some accounts had already been given to a collection agency. I compiled my information and circled all the inconsistencies reporting on my credit report and filled out a Notice to Correct the Credit Report. On XX/XX/year> I sent the following information to Experian via USPS Certified Mail. The Tracking number was # XXXX XXXX XXXX XXXX XXXX. The 35 days has passed and I have not received anything back regarding the following accounts that had inconsistencies. Under the Fair Credit Reporting Act, the CRA has 30 days from my receipt of my letter disputing and asking for the verification and validation of the debt, to correct verify and validate what I was contesting. According to the Law, failure to re-verify these items within 30 Days constitutes reason to drop the information from my file. XXXX. XXXX # XXXX XXXX. XXXX # XXXX XXXX. XXXX XXXX XXXXXXXX # 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

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/2022 XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance XXXX {$4500.00} XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX FIN XXXX XXXX XXXX {$4500.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

my wife recieved a email from our XXXX identity alert that her ssn had been found on dark web for sale. i started to put freezes on both her and my credit. XXXX  was easy. however equifax has for the last 7 days been nothing but a endless loop of answer questions take out a account, which we dont want, and then told call us because we cant help you or verify your idenitity ever though they had ssn, dob, phone numbers and address i even had to go though secondary email varification and still no freeze, i tried twice with so called customer service and first time was hung up on and second time was told to send pictures of myself and my wife to equifax customer service or send all documents by mail. it is clear that equifax has major problems with no intension of correcting them
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to the credit bureaus twice in XX/XX/XXXX requesting they send me supporting proof of documents, such as, written contract with my signature, complete payment history, ect. The credit bureaus could n't send me anything, but reported back to me that US Bank stated that account amount was correct, and verified. <P/>However ; US Bank also did not send me any supporting documents to me to support their claim. Therefore ; I sent two certified request letters to US Bank first one on XX/XX/XXXX, and second one on XX/XX/XXXX ... Yes, nearly 8 months later, and still no proof documents. US Bank missed the 30 days cut off on the first letter. When they did sent a reply it was under XXXX XXXX XXXX instead of their name, and no agent or manager put their name of it by writing their name on the letter nor did anyone from that company signed it. <P/>They also disrespect any certified letters from consumers because they use an ink stamp " Data & date '' no name or signature on certified return mail. No reply letter & no supporting documents. I reminded them they are violating FCRA section 609 & 611, 15 USC 1681, for reporting incorrect, and unverified consumer account info to credit bureaus without any proof of their claim. Therefore ; by law US Bank must delete the whole account on all credit bureaus immediately. <P/>Also, US Bank has for years been reporting incorrect and unverified account info to credit bureaus without reporting also on the credit bureaus that this account is in dispute ( It is still not reported as disputed account which falsely keep my credit scores low, and harm my creditworthiness for life ). I tried to call them on the phone XX/XX/XXXX after waiting 2 weeks after my 7 days deadline. As soon as I explain to agent what going on and my rights the agent/s transfer me several times without trying to help me delete the account off my credit reports. <P/>After being transfer 4 times and XXXX hang up, I called back just to be transferred to voice mail saying leave a message and state your problems and we will call you back when we are open ... I called on a Monday at XXXX XXXX PST or XXXX XXXX CST ... For Pete 's Sake! They were not close, but they were playing games with consumers to harassed and oppressed them into giving up. I hang up and now I am writing your agency to me to get US Bank to completely delete all unverified account # XXXX off credit bureaus thanks.
Product: Credit reporting or other personal consumer reports

XXXX did not complete a thorough and accurate verification of debts.
Product: Money transfer, virtual currency, or money service

To whom it may concern, I made a SEPA bank transfer of XXXX euros on XX/XX/XXXX to Coinbase and I forgot to put the reference code in my bank order, so my money has been credited on Coinbase bank account but not credited on my coinbase account. 

I contacted their support onXX/XX/XXXX and explained my case. Since then I did not received any decent response and solution in order to get a reverse bank transfer. 

I think this is unbelivable to wait that long for just a simple customer support and with absolutely no transparency on the process. My request is involving a huge amount of money, this is insane to have no real support. My case at coinbase is # XXXX. 

The Customer service is terrific, I feel absolutely unsecured with them. I hope the Consumer Financial Protection Bureau can help me. 

Best regards
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting Act : 15 U.S.C 1681 Section 602 A.

States I have the right to privacy. 15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions. 
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 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: Debt collection

XXXX XXXX was deleted from my report inXX/XX/XXXX, from XXXX, XXXX and XXXX after disputing unverified and inaccurate information that did not belong to me nor on my credit report. At that given time, XXXX XXXX which is the original creditor, has XXXX XXXX XXXX ( XXXX ) has the collection agency. Now, In XX/XX/XXXX, the SAME bill, is not under Diversified Consultants. This information and tactic is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several requests and It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1200.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$26000.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

continued charging of property inspection fees when ocwen knows the property is owner occupied.
Product: Debt collection

I have been receiving calls since XXXX from various fraudulent debt XXXX attempting to collect on a line of credit I never opened with HSBC. They tell me I opened it in XXXX and the debt owed changes with every phone call. XXXX time it will be {$3000.00} and with the next call, it will change to {$1600.00}. I've never had a credit card with HSBC. The calls stopped in XXXX of XXXX, but they have started up again. This time the credit collector calls itself XXXX XXXX. They called me on Friday, XX/XX/XXXX. When I began to ask questions to the person, the tables were immediately turned to make THEM look like the victim. When I told them to stop harassing me, they told ME I was harassing them for asking questions! I know what I was doing in life during XXXX more so than these strangers and I know I never opened a line of credit with HSBC during that year. I just want the calls to stop. I am currently suffering from both XXXX XXXX and XXXX XXXX. These calls cause great stress and affect my quality of life. I do not need the stress they put me through.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Can XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX 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: Debt collection

From : XXXX XXXX XXXX Credit Reports Account : # XXXX Company : XXXX XXXX Date Opened : XX/XX/XXXX Individual Account Loan Type : Line of Credit Pay Status : Sold was charged off Date closed : XX/XX/XXXX I have contacted XXXX XXXX on several occasions and spoke with a representative. I informed them that I was unaware that this debt had been transferred to a collection agency. I informed them that I had never received from them a letter in the mail notifying me, that this debt would be transferred to a collection agency. I requested that XXXX to send me a certified copy of the validation notice or the assignment of debt letter. I informed them that I was supposed to receive this letter within 5 days telling me that the debt was transferred to an outside collection agency. They responded that they could not provide me with such letter. They informed me that I should contact the agency that they sold the debt to. I then contacted that company ( Velocity Investments LLC. I asked them as well to provide the assignment of debt letter or validation letter that they were supposed to send me via mail. They also informed that they can not provide any such document.