23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

What happened? 
I am submitting this complaint regarding an issue with XXXX XXXX XXXX. While I was serving in the military and working on the border, my vehicle was repossessed by XXXX XXXX despite being protected under the Servicemembers Civil Relief Act ( SCRA ) and related military protection laws. These laws provide specific protections to active-duty military personnel to prevent such actions without proper court authorization. 

The repossession occurred while I was actively using the vehicle for my military duties, which added significant hardship to my service responsibilities. This action appears to be a clear violation of federal military protection laws that are designed to prevent financial exploitation of service members during their XXXX XXXX. 

I took steps to notify XXXX XXXX of my military status and rights under the SCRA. Despite this, they repossessed the vehicle and failed to follow the legal procedures required to protect service members. Additionally, the repossession has negatively impacted my credit report, and the entry remains unresolved to this day. 

Dates, amounts, and actions taken : I was an active-duty member of the military during the time in question. 
My vehicle was repossessed by XXXX XXXX in XXXX, XXXX, despite my protections under military laws. 
I attempted to address this issue with XXXX XXXX, but they did not take corrective action to resolve the matter. 
The repossession has been reported on my credit report, causing long-term financial damage.
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 Account name : 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 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, credit repair services, or other personal consumer reports

Reviewed my credit report in XX/XX/2021, I noticed these accounts are still being reported inaccurately. I have sent correspondence disputing this inaccurate information on XX/XX/2021, and XX/XX/2021. I HAVE REPORTED TO XXXX, XXXX, & TRANS UNION THAT PER THE FAIR CREDIT REPORTING ACT, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX XXXX XXXX HAS FAILED TO PROVIDE ME WITH A COPY OF ANY VIABLE EVIDENCE, BEARING MY LIVE SIGNATURE. I have never done business with XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX XXXX XXXX, nor have I signed any contracts with these companies. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a Consumer 's Credit Report. I am requesting XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX XXXX XXXX to delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX XXXX XXXX, and Transunion directing them to REMOVE these erroneous entry as well.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit.It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Transunion : XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

experian continues to report a fraud account from XXXX # XXXX this account was result of fraud from the XXXX  breach and company disputed with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this to try and resolve an issue that is still appearing on my credit reports. I noticed a collection several months back on my credit reports and contacted XXXX  XXXX  XXXX XXXX - " XXXX  '' - to reach a resolution. After a bit of back forth, I finally decided to go ahead and pay the collection with the stipulation that XXXX would remove the collection FULLY from my credit reports. I only agreed to pay any amount because I felt this was the quickest way to get the collection removed from my reports. I was told that it would take 45-60 days for the collection to be FULLY removed from my credit reports. Flash forward six months and the collection is still reporting! I am requesting that XXXX sticks to their word and requests the deletion of this collection from the three credit bureaus.
Product: Debt collection

I received numerous calls and correspondence from XXXX XXXX XXXX On one of the correspondence ( settlement offer ) dated XX/XX/2018, stating that if I paid {$1700.00} by XX/XX/2018, they would settle the account. If the requested amount was not received by XX/XX/2018 the offer would be " null and void ''. I did send in the requested amount which was sent on XX/XX/18, which I realize would not be received by the requested date, but sent the check in hopes they would accept and settle the account. 

I called a couple of weeks later when I realized they cashed my check asking when I would get a letter that the account was settled. They informed me that the account would not be settled since I did not called them prior to sending in the payment. There is nothing in the settlement offer that states I must call them prior to sending in the requested payment which I told them but they insisted that I was to call them prior. 

I asked to speak to a supervisor as I could not understand the person whom I was speaking with and she refused my request but told to " call back tomorrow ''. I waited about a week to try to settle this matter again. And again I was told the account would not be settled as I didn't call prior to sending in the payment and also the payment was not received in the requested timeframe and that the offer was " null and void ''. I again asked to speak to a supervisor and after being put on hold numerous times, I was finally connected to supervisor, XXXX  id # XXXX, which was no help and just kept telling me that I didn't call prior to sending in the payment and that the payment was not received by the requested timeframe and the offer was " null and void ''. When asked why the check was deposited he didn't have a concrete answer, I told him that that was stealing and I wanted my payment back. At that request he told me I could call back the first part of XX/XX/XXXX and they would have another settlement offer or I could contact their dispute dept and see if the dispute dept would refund my payment which I am sure would not have happened.
Product: Credit card or prepaid card

On XX/XX/XXXX, I informed Chase of several fraudulent charges on my credit card via phone. Shortly thereafter on XX/XX/XXXX, I received a notice in the mail saying I " benefited from these transactions, '' which is impossible. The below charges are fraudulent, as I have now reported once through the company. 

Post Date Description Category Type Amount XX/XX/XXXX XXXX Shopping Sale XXXX XX/XX/XXXX XXXX Groceries Sale XXXX XX/XX/XXXX XXXX * XXXX XXXX Shopping Sale XXXX XX/XX/XXXX XXXX Shopping Sale XXXX XX/XX/XXXX XXXX Shopping Sale XXXX XX/XX/XXXX XXXX XXXX XXXX Food & Drink Sale -XXXX XX/XX/XXXX XXXX XXXX Groceries Sale XXXX XX/XX/XXXX XXXX XXXX XXXX Food & Drink Sale XXXX XX/XX/XXXX XXXX XXXX Groceries Sale XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Home Sale -XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX Home Sale XXXX XX/XX/XXXX XXXX XXXX Groceries Sale XXXX XX/XX/XXXX XXXX XXXX XXXX Food & Drink Sale XXXX XX/XX/XXXX XXXX Shopping Sale XXXX
Product: Payday loan, title loan, or personal loan

I have finished paying my car loan but Capital One still continues to charge my deceased husband and my account. They already released the title, already transfer it to my name but the charges still going on as I still have a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX XXXX Balance Owed : {$8.00} XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXX XXXXXXXX Balance Owed : {$15.00} XXXX XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXXXXXX Balance Owed : {$190.00} XXXX XXXX XXXXXXXX Balance Owed : {$160.00}
Product: Checking or savings account

I found out today that a joint account I've held for several years with someone granted the joint holder access to all of my individual accounts. USAA as a bank should be shuttered over this violation of trust. All joint accounts should be audited to see if the holders have access to individual accounts that aren't theirs.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent XXXX XXXX  from XXXX  bank XXXX to Wise ( XXXX confirmation code is XXXX ). 

On XX/XX/XXXX, Wise sent an email confirming they received the money but a transfer must be setup in order to move the money. 

Going into their system, I can not see the money, nor any successful transaction from Wise to XXXX ( final destination ). 

It's already left my XXXX account ( transfer code XXXX from XXXX ), has not entered Wise, and certainly hasn't been transfer to its final destination, my XXXX XXXX account. 

I don't know where the XXXX XXXX  are now : - They successfully were sent from XXXX ( transaction XXXX ) - They seem to have successfully been received by Wise ( see attached email ) - Wise denies receiving the money however - Wise doesn't show XXXX XXXX  in their balance. 
- XXXX doesn't have the money. 

In other words, I'm missing XXXX XXXX  that were transferred into Wise ( indirectly confirmed by Wise themselves ) and Wise won't help me resolve this!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Personal Information To Whom It May Concern, I am writing to formally dispute inaccuracies in the personal information section of my Equifax credit report. Upon review, I noticed misspelled variations of my name and addresses listed on my report that are not mine. These inaccuracies are not only misleading but also raise concerns about the accuracy and security of my personal information. 

Requested Corrections : Misspelled Names : Please review and permanently delete any misspelled or incorrect variations of my name : XXXX. XXXX XXXX XXXX Incorrect Addresses : Remove the addresses listed on my report that are not associated with me or my current residence : XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX My actual and correct address is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 

Legal Basis : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), Equifax is required to maintain accurate consumer information. Reporting incorrect personal information violates this obligation. Additionally, 15 USC 1681i ( a ) ( 1 ) grants me the right to dispute and request correction of inaccurate or unverifiable information on my credit report. 

Requested Actions : Conduct a thorough investigation into the reported inaccuracies. 

Permanently delete any misspelled names and incorrect addresses from my credit report. 

Provide me with a copy of the updated report confirming the corrections. 

I have attached a copy of my government-issued ID and proof of residence to assist with your investigation. Please resolve this matter promptly and notify me in writing of the outcome within the 30-day period required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Santander consumer USA repossessed the car on XX/XX/XXXX at XXXX XX/XX/XXXX with no notification. They had my address on file they did not mail me a letter they did not call my phone they did not notify my references that i put on the original application XXXX XXXX my mother in law phone number was on the contract they did not contact her. My husband was layed off with coronovirus pandemic. this year we were evicted from our townhome i have records of eviction. We were denied food stamps and we stay at my mother in laws house looking for work. I only have a month here to find a place to live. With my XX/XX/XXXXbabies. A XXXX year old and a XXXX year old babies. Now we have no vehicle. They want XXXX to get out repossession i have XXXX. I never got my stimulus check my taxes were delayed this year. Im a united states citizen an being treated unfairly. To resolve this issue i would like the car back with regular payments. My husband just got a job since being layed off. He has not worked the first week yet. I just paid {$900.00} to get work done to the car with the mechanic i was going to reach out to pay now my husband has job. I have not been driving the car
Product: Credit card or prepaid card

Here is dispute info I sent two months ago I have no printer so I could not use form sent but answered questions best I can numbering them as per form What other info needed as I contest this decision and want it reopened Dispute Info : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, UT XXXX RE XXXX {$3.00} XXXX {$17.00} XXXX {$3.00} Dear Sir : I have no fax or printer so I am consolidating above three requests from DOCUMENT Letters sent to me by email. 
Since there is no available Capital One email I can use I can not photocopy form replies requested so I will do so here Questions asked : 1. The merchant billed overage as stated above 2. Yes I emailed XXXXXXXX XXXX many times different depts and asked to pass to ADMIN. After many email, they asked me to come into their customer relations dept to discuss (! ) I work and busy and can not afford to take day off, travel to hospital to discuss minor overcharges above 3. see # 2 4. I have no printer so I can not attach photocopy of receipts from hospital as requested I can do this if Capital One email is provided to me XXXX # XXXX
Product: Mortgage

To start I had chase and was never notified the mortgage was sold then after I had put a lot of money into the house I had asked to have pmi removed then I was forced to purchase insurance from them then I had fallen behind in the mortgage and was able to get caught up then again I fell behind and they refused to let me catch up they would return the payments eventually I was able to apply for a modification at that time I was advised to tell them I would need them to apply areas to the back of the loan as the payments where going to them on time they sent 1 payment back then requested I start new trial again they refused last payment for modification then offered a third modification attempt this time we sent US Postal with tracking numbers again they said they didn't receive a payment for XXXX and they did not call write email no attempt until XXXX then cashed XXXX 's check sent back XXXX XXXX, XXXX, XXXX XXXX check in XXXX cashed XXXX 's then sent a letter to foreclose after they were notified that the postal service had delivered payment also I notified them of having issues with covid continued payments on time they still charged penalties and fraudulent charges I had the taxes reduced by the township and state they raised the fees I am convinced that they purposely refused payments to foreclose only property also I was never offered any help with alternatives and they did not apply monies paid to the loan and they did not report I have been paying on Time the last year and a half and there is more they were shown proof of payment and won't accept responsibility for the lost or misplaced XXXX payment and now don't want to offer the modification I believe they played with time on calendar to coincide with state expiration of covide expiration thanks for your help XXXX
Product: Money transfer, virtual currency, or money service

I requested a Withdrawal from my brokerage account to my checking account but my account got blocked. I tried calling in to see what was going on, but they just told me that my account is being reviewed. it's been over a week now and they keep telling me the same thing.
Product: Checking or savings account

I have a complaint with Bank of America. The Dept. of Banking, State of CT gtransferred the complaint to you ( case : XXXX ). I was contacted after that by two employees of the bank ( Resolution Dept. ). I gave them, the information you already have and the claims dept. of their bank has. First they said they wlould call me on XX/XX/19. They contacted me on a different date and said they would get back to me today between XXXX-XXXX. They havde not. I attempted to call them at the number given me, but got voice mail. I left a message, but no response. I now feel .ike I am getting the run-around. The two people I spoke to were XXXX XXXX and two times after that XXXX XXXX ( sp? ). This has been going on sinvce the beginning of XX/XX/XXXX. Meanwhile I am out {$540.00}. I am on Social Secjufrity XXXX swhich is my only income. I have been short since this error occurred. I DID NOT get that money. I have been with the bank for 34-35 years. You would think they would show me some consideration. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX entered a legal LEMON LAW with XXXX and XXXX, Same issue more than 3x. The car was taken from me XXXX. I was FORCED to stay in a lemon law car a year after all terms of this loan were BREACH/FRAUD. The car was NOT CERTIFIED USED. The loan was not my responsibility once deemed Magnisam Moss by the attorneys. The dealers and banks were notified and aware,. I was given back my deposit to move this loan into a WORKING REIABLE method of transportation. XXXX XXXX knew the previous car XXXX XXXX in my name was returned to XXXX for water damage as well. In 6 weeks before I could even make a 2nd car payment they gladly took this car back and put me in a XXXX XXXX which is still on my credit report with a negative XXXX, XXXX affecting my credit. This was the lemon law car. This was also the 2nd car unjustly sold SCAMMED me as it was flooded and dried out and resold to innocent customers. They then repo it after 1.5 payments late leaving me with adverse credit when XXXX PA Attormey said you get your deposit and the dealer is to COOPERATE asap and help you get into and move loan over!!!! I am not forced to be in a rental car at XXXX month and will never be able to get another car. XXXX and XXXX MUST TAKE RESPONSIBILITY!! Write this off. This could have been a DEATH Claim!! Car was shutting off at high speeds. IT is JUNK it needs to be removed from my credit,. It is not my fault,. I was sold and scammed damaged goods. I will file a police report if this doesn't get off my credit. LET the dealer take the hit or the lender. The moment it became BREACH or they decided to pick it up ONCE I fixed it and XXXX I lost XXXX, XXXX and I need my money back from XXXX plus repairs over the 2.5 years and towing.,. Someone owes me a new car or a refund and OFF MY CREDIT NOW!
Product: Debt collection

1st complaint : I tell XXXX person I coming in on Friday to make a payment ; the next day someone will call to see when I coming in to make payment. Because either the person did note the acct or the new person who is calling did not read the notes. 

2nd complaint : I told XXXX people already I coming in on Friday then someone call me on Thursday to verify if im still coming on Friday. 

3rd complaint : Someone will call me on Friday if I have not came in by XXXX to see if I still coming. The office is open til XXXX and the also have a drop box. I have explained to them over and over I work until XXXX and I have XXXX children to pick up so I will either get there before the close or put it in the dropbox.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$200.00} XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX - XXXX - XX/XX/XXXX - {$15000.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

World Finance is reporting account # XXXX on my credit report as 119 days past due and also as a charge off. It can't possibly be both. There are also incorrect dates posted, and the balance is XXXX so I'm not sure how they could be reporting it as past due. They are guilty of several violations including, FDCPA 807 false and misleading representation, 809 validation, Fair Debt Credit Act Law 111-203 title X124 Stat 2092, Fcra 15 usc 1681b accuracy of reporting, False Claim Act 31 usc 3729-3733