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

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account XXXX : XXXX Account XXXX : XXXX Bal. {$740.00} Account XXXX : XXXX Account XXXX : XXXX Bal. {$0.00} Account Name : XXXX XXXX XXXX XXXX 
Account XXXX : XXXX Bal. {$1900.00} Account XXXX : XXXX  Date of XXXX : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute XX/XX/XXXX when I called transunion they said they got it and that it would be done XX/XX/XXXX. I call to check the status of it the man on the phone originally said that he dont see anything. I said thats not true I called last month and was told the XXXX and that I had read complaints that they do that. So I asked him to speak with his supervisor who sounded like the same person same accent. Now all of a sudden he see the information. I told him I have not got a debt validation from the collection place and that it was past the 30 days. I also contacted the people who said I owe them and they basically said that the people who worked there previously where gone and she could n't help me. Which really made me submit the dispute. Im like ok if you cant proviode me a detailed explanation of why i owe you then its not legit.
Product: Vehicle loan or lease

At the end of lease my vehicle was inspected and I was charged for extra wear and tear. The letter they provided detialed that if the balance is not paid by XX/XX/2018 it will be reported to the credit reporting agencies as charged off balance. 
I checked my credit report a week ago and saw that this balance was already reported to the credit bureaus as late payment. I called Hyundai Finance and was told they could not do anything about it. I condemned their letter and explained to them that you were not supposed to report anything untill the date you mentioned on the letter. The customer service apologised and said they could not change the past even if I piad the balance off before XX/XX/2018. 
I included the letter for you to see it.
Product: Credit reporting or other personal consumer reports

Hi. 
The vehicle was total lossed, insurance paid off the loan and it was covered by XXXX XXXX purchased from the dealership XXXX of XXXX. 
XXXX AKA XXXXKia Motor Finance XXXX wouldnt answer calls or respond to myself nor the XXXX XXXX during the claims period. 
This happened in 2020 during the pandemic and XXXX would not resolve due to being unreachable. 
I have disputes on my credit report, but they are still not resolved. 
Also wanting to note that XXXX consistently reported errors, inaccurate information and false information on my credit reports to all 3 bureaus.
Product: Vehicle loan or lease

I get the credit with Santander Consumer USA in XXXX, so I had been paying {$650.00} every month for many years, I pay more than {$50000.00} dollars for this car! 
My car was reposes first time last year XXXX, then I pay the amount for recover the car, I notice that something wrong with the car ; one mat was stolen, the tires were so worn out, very used, that was strange because I bought recently the XXXX new tires in the XXXX the maker company. I realized that the tire that I bought was changed, I reported this to XXXX company, I never received a response! I called to this number to make the report, but they don't do nothing! Then they repose the car again in XX/XX/XXXX, I called them, to request an extension because I was facing financial difficulties loss of job, but they repose the car without letting me the opportunity to negotiate a payment plan. 
Another thing about the reposes was that they keep the car a lot of time about XXXX  months, so they charged me tons of extra $ for keep them my car, they said that I need appointment! Was so hard to communicate with them... so Santander Consumer USA they charged me all this fees $ to my account ; the amount that the repose companies said without investigation. 
Santander Consumer USA is a Fraud Company! They robber people with extra extra fees, they don't send you the statement, and in my online account I never found accuracy information, unclear what they fees are? A lot of irregularities ; I pay {$650.00} every month only for their fees, they put only {$5.00} in the principal and used the rest for their exorbitant fees! And at the end they repose the car anyway! I pay a lot of money, and the car never was my. I feel very disappointed with my first experience with a car loan.
Product: Payday loan, title loan, personal loan, or advance loan

I asked Klarna to cancel my membership and told them if I was charged I would be filing a complaint. They continued to charge me anyway.
Product: Prepaid card

Claim number XXXX XXXX XXXX XXXX XX/XX/XXXX My Debit card, Government Id and social security were stolen last year a while back late XXXX Somebody used my information to take money out of my account and wiped it clean of XXXX This money was meant for bills rent and my mothers funeral wish I am unable to do. 
This situation has caused me to be homeless living in my car with little hope left. 

I have been fighting this claim and in the end I get no resolution Bank of America is refusing to take my claim into reconsideration and has made it even harder for me to get help from them. 
I now have to write a letter everytime they deny my claim, asking that it be reopened in writing. 

They asked me to submit supporting documents including a police report, identity theft documents and my id for further investigation. I sent all 3 and still am getting denied. Please help me Please please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

They gave my information away by making it available through an unsecured website. Although this was in XXXX of 2017 I was not informed until XXXX of 2017 that this happened.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XX/XX/XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year> XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with 2 collections and fraudulent inquiries I did not authorize
Product: Credit reporting or other personal consumer reports

In early XXXX I requested a debt verification/ validation letter from XXXX XXXX XXXX XXXX After receiving an itemized list/ not a validation letter. I noticed that this list ( see documents ) was not very professional and looked like a typed up piece of paper. Today XX/XX/XXXX I spoke to a supervisor at Transunion and asked he could take a look at the balance of the itemized list and what my report was reporting.Although XXXX has repeatedly reported verified as accurate. He could not explain why and then proceeded to tell me that the Itemized list that I had sent could not be believed bc I just could have typed up the itemized list bc of no letterhead and unprofessional looking. I explained to him that this exact itemized list came from XXXX and was not mine. I do not believe that XXXX is being truthful bc this amount was the same amount payed by gap insurance and Transunion reported on my report as a payment XX/XX/XXXX. Transunion insisted that the change was made by XXXX and that Transunion could never change anything on my report which I dont believe. I understand the CFPB and the FCRA hold both agencies and bureaus responsible. I applied for financing ( being denied ) that my bad credit was in the past just to find out that I had wrongfully made a recent payment as to restart the timeline on this account If you will notice that the {$9400.00} was added and subtracted numerous times and not an accurate fair credit report. XXXX XXXX XXXX just will not make this right it just changes back and forth as CFPB can see in previous disputes that XXXX and Transunion blame each other for my report being fair or accurate. Thanks
Product: Mortgage

I have a hold on my credit for a house that I have not lived in in almost five years. I only co-signed on the house for a friend that I was living with at the time. The owner of the house should have been paying the payments each month. I would like to know why after all this time I am the one with all the problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX  I made an on-line request of citi Bank for a credit line increase for my Costco XXXX card XXXX I did not authorize a credit check. 
I received a written response ( attached ) denying my request, in part because I had not authorized a credit check. 
However, I discovered that citi nevertheless had conducted a hard inquiry. I wrote citi on XX/XX/2022 requesting that they remove the inquiry from my credit record ( letter attached ). 
I received a written response dated XX/XX/2022 ( attached ) with the dubious statement that citi was unable to locate the inquiry. I responded with a printout from XXXX showing the XX/XX/2022 inquiry ( attached ). 
citi responded with a letter on XX/XX/2022 ( attached ) that they were unable to remove the inquiry from my credit report. While my credit limit was increased as a result of the inquiry, my XXXX score has decreased because my amount of new credit is " XXXX '', in part due to the XXXX XXXX  inquiry. It is the only inquiry on my report this year. 
I had requested a similar increase for a XXXX XXXX credit card. When I was asked whether I authorized a credit check, I declined. XXXX XXXX did not increase my credit line and did not conduct an inquiry. My XXXX XXXX banker explained that he has indeed removed unauthorized inquiries for his customers.
Product: Credit reporting or other personal consumer reports

Multiple disputes have been sent regarding fraudulent accounts on my credit. All disputes were not handles and fraudulent accounts were not removed from my credit. Disputes on cfpb were submitted on XX/XX/. These fraudulent accounts have ruined my credit for years and I have sent out many disputes. Its very sad to know that people can ruin your credit and life, I wish this would not happen to people at all. It really hurts. 

XXXX In accordance with the Fair Credit Reporting act 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 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 Equifax- XXXX accordance with the Fair Credit Reporting act 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 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 Experian- In accordance with the Fair Credit Reporting act Convergent 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  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: Money transfer, virtual currency, or money service

Received e-mail from an account representing PayPal suggesting that there was a loan established in my name and that approximately {$2000.00} of bit coins and other items had been purchased. 

The resolution to the issue was to submit XXXX XXXX cards to there representative. 

After submitting the amount I realized that this was a scam. The gift cards were on hold through XXXX. PayPal was contacted and there was no account registered in my name. 

The e-mail addresses for corresponding are : XXXX XXXX The phone numbers are XXXX XXXX There was also a transfer of find from XXXX to XXXX XXXX address - @ XXXX XXXX XXXX {$500.00} gift cards purchased XXXX  XXXX. 
XXXX transfer {$560.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 or 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

Stellantis, did not do their due diligence, I the consumer requested a XXXX XXXX. Please provide me with the name of that individual, their business address, and telephone number. This law is very clear to civil liability and the remedy available to me for me for negligent. Section 617. If you fail to comply with this federal law. I am a litigious consumer and fully intend on pursuing litigation in this manner. To enforce my rights under the FCRA. I demand this account to be verified or deleted immediately.
Product: Credit card

This regards an on line subscription to " XXXX  '', paid by personal Capital One credit card. I agreed to 2 terms of service and paid by c/c, total duration of paid subscription was 1 1/2 years. The last 12 months of service was offered at a discount which I agreed to. Note that in my XXXX account management tab, I had from the beginning set my " auto-renew '' setting to off. It seems that when I agreed to the final 12 months of discounted subscription, they surreptitiously turned it back on. Hence, after paying XXXX for 1 1/2 years of service I expected to drop off at the end, I received an e-mail saying I had just renewed for another year, but had 24 hours to cancel. The e-mail was received after that 24 hour window expired. the charge was disputed with Capital One who ultimately sided with e-Harmony 's charge as legitimate per their 19 page Terms and Conditions. This scam is extremely widespread, if you simply XXXX " XXXX fraud '', there are seemingly endless forums and similar stories XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

ARS ACCOUNT RESOLUTION Account XXXX Information on this item has been updated. Please review your report for the details. 
Hide Details After Before ARS ACCOUNT RESOLUTION S Account Name XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$660.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$660.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$660.00} Balance Updated XX/XX/XXXX This is a bill when i was involved in a car wreck all parties and my attorney involved in this was suppose to have this resolve have try numerous times contacting them This was not left up to my debt i have explain and talk to this bill collector they constantly gives me the run around and in direct numerous my attorney also should have reach out to them but they constantly reports it after speaking with XXXX she said due to privacy she couldnt provide her badge information that it should not be reporting after 2 years its still reporting to my credit as i owe they should have received they money from the other parties involved in the auto mobile accident
Product: Credit reporting, credit repair services, or other personal consumer reports

I recognized that XXXX XXXX submitted 16 unauthorized inquiries on my credit report on XX/XX/2018. 

BMO Harris was one of the companies that was solicited. 
I contacted XXXX XXXX and spoke with XXXX, who identified himself as the Manager. 

He refused to help. 

It is very unfair that they did that. It lowered my credit score by 200 points.
Product: Credit reporting or other personal consumer reports

I appreciate your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX WA XXXX ; XXXX XXXX XXXX : {$8600.00} ; XXXX XXXX XXXX Balance : {$9300.00} ; XXXX XXXXXXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2020 To Whom It May Concern : On XX/XX/2020, I have received a communication letter from a collector agency indicating the account balance that I owed to a credit card {$220.00} ( by the way, the statements of the credit card never reached my apartment due to the credit card statements was missing my apartment number ). The account is already closed. I communicated with the credit card company and asked them if they know anything about it. The credit card company double checked and said that nothing was wrong with my new credit card. They don't know anything about the closed account or the balance that I owned. 
The account balance was {$220.00}, according to the collector agency. Then I disputed the charges writing a letter to the collector agency. The collector phoned me and asked my apartment number to send me those statements. 
I received the credit card statements and I saw my apartment number was missing. Because the apartment number wasn't there, I thought that maybe that was the mistake. I don't remember having that credit card number before. On XX/XX/2020, I sent a check paying the full amount of the debt, {$220.00} in one installment, according to the communication letter that sent me on XX/XX/2020, by the collector agency. As I said, the account is closed. I'm a low-income senior, so I have decided to check my Credit Journey with my bank, and my bank informed me that my credit passed from poor to Fair after paying the full amount of the debt. That was great news for me. 
Then I have received another communication letter stating that I still own a debt of the closed account. The debt corresponds to the interest amount of {$49.00}, and I should pay that amount by XX/XX/XXXX. I complained to XXXX, explaining that I paid the full amount of {$220.00} on XX/XX/XXXX and according to the communication letter received, and I don't owe anything anymore. XXXX  sent me a notification indicating that I will get an answer on XX/XX/XXXX. So, getting an answer from XXXX  after XX/XX/XXXX, means that I should pay more fees? What is the end of all of this? 

Best Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

A tax lien was incorrectly placed upon me. I have disputed this many times with all three creditors and all have removed the lien with the exception of Equifax. I proved to the state of Ohio that I did not in fact owe the state any tax money. This has been on my credit report since 2012. The reference number for this lien is XXXX and was reported on XXXX XXXX, 2012. <P/>It has now been five years and this has been detrimental to my credit score. I did not owe any money to the state and I have proved to them that I did n't which is why it was released and I am respectfully asking for it to be removed.
Product: Credit card or prepaid card

XX/XX/22 - I was notified by my local postmaster that a temporary change of address was processed in my name on XX/XX/22. The postmaster cancelled that request on XX/XX/22. 
XX/XX/22 - I ran my credit reports and found a hard inquiry ( on XXXX ) by JP Morgan Chase Bank for a credit card on XX/XX/22. I contacted Chase, and they closed the account. 
XX/XX/22 - I checked XXXX again and found another hard inquiry by XXXX XXXX XXXX for a credit card on XX/XX/22. I contacted XXXX, and they closed the account. 
XX/XX/22 - I contacted all three credit reporting agencies and put a freeze on all of them. XXXX recommended I file a complaint with the FTC.