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

Submitted several disputes/request for investigation for the following accounts that were inaccurately reported on my credit profile and needed to be removed. Each time, the agency has failed to complete a proper investigation and furnish documentation of accuracy and determined that the accounts were accurate and will remain on my credit profile : Ashro : I initially disputed this account as belonging to me when I learned of it in XXXX of XXXX. The company was no help so I turned to the credit bureaus. It was charged off by the company in XXXX of XXXX. I repeatedly disputed and requested documentation and none was provided. In XXXX of XXXX, it was reported as charged off again which doesn't make sense. I disputed that information and still, nothing was corrected or removed. 


XXXX : This account was closed in XX/XX/XXXX and should've stopped reporting on my profile in XX/XX/XXXX. I've disputed this several times and it remains on profile as " accurate ''. 

XXXX XXXX XXXX XXXX : This account was repeatedly disputed as it is inaccurately reported as belonging to me and requests for information have been unanswered and investigations result in account reporting as accurate. 

XXXX XXXX XXXX XXXX : This is another account that has been repeatedly disputed and it keeps getting passed around to different companies which results in the credit bereau investigations to report it as accurate. Information for accuracy has not been provided and account remains on profile.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. Or a list of inquiries : 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

Complaint Details : Summary : I am filing this complaint to report violations of the Gramm-Leach-Bliley Act ( GLBA ) by Santander Consumer USA and XXXX . Santander Consumer USA improperly shared my nonpublic personal information ( NPI ), specifically my payment history, with XXXX without my consent and in violation of privacy provisions under the GLBA. XXXX also violated consumer protection laws by accepting and using this unauthorized information. 
Details : 1. Nature of Information Shared : o The information shared includes detailed aspects of my payment history, such as on-time payments, late payments, and missed payments. This constitutes nonpublic personal information ( NPI ) as defined under 15 U.S.C. 6809, which includes " personally identifiable financial information. '' 2. Unauthorized Disclosure : XXXX Santander Consumer USA reported this payment history to XXXX without my explicit consent. This disclosure was made outside the permissible parameters set forth in the GLBA. 
XXXX. Violation of Privacy Standards : o The Gramm-Leach-Bliley Act requires financial institutions to protect the confidentiality and security of XXXX and to provide consumers with privacy notices explaining how their information is collected, used, and shared. Santander Consumer USA failed to provide an adequate privacy notice and did not offer an opt-out option as mandated by the Act. XXXX, by accepting and using this information, also failed to ensure compliance with privacy standards. 
Specific Consumer Laws Violated : 1. 15 U.S.C. 6801 ( GLBA ) : Protecting the confidentiality of XXXX. 
2. 15 U.S.C. 6802 ( GLBA ) : Providing privacy notice and opt-out options.

3. 15 U.S.C. 6803 ( GLBA ) : Initial and annual privacy notices.

4. 15 U.S.C. 1681b ( FCRA ) : Permissible purposes for consumer reports. 
5. 12 U.S.C. 5531 ( Consumer Financial Protection Act of 2010 ) : Prohibiting unfair practices.

6. 15 U.S.C. 45 ( Federal Trade Commission Act ) : Prohibiting unfair or deceptive acts. 
Calculation of Fines : Each violation incurs a fine of {$1000.00}. With XXXX violations identified for both Santander Consumer USA and XXXX, the total fines for each entity would be : XXXXviolations $ XXXXper violation= {$6000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Product: Debt collection

Negative remarks on my credit report for a debt I have no knowledge about. I have never lived in Texas where such debt was opened.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : DEMAND DELETE INMEDIATLY INQUIRIES UNAUTHORIZED UNDER CREDIT REPORT I recently reviewed my credit report and found unauthorized inquiries. 
I have contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT I INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either written or verbal. 
I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. Pursuant to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In General. Subject to subsection ( e ), any consumer reporting agency may provide a consumer report under the following circumstances and no others. ( F ) otherwise has a legitimate business need to obtain the information ( 1 ) in connection with a business transaction initiated by the consumer.

Per 15 U.S. Code 1681i, Paragraph ( 5 ) Handling of Inaccurate or Unverifiable Information ( A ) In general. If, after a reinvestigation pursuant to paragraph ( XXXX ) of any information disputed by a consumer, an item of information is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall : ( XXXX ) promptly delete. 
ADDICIONALLY, Pursuant to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by federal law to verify ( by physically verifying the original signed consumer contract ) each and every INQUIERES you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account. 

I demand that you show me verifiable proof ( an original consumer contract with my signature ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has affected my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you can not provide me with a copy of the verifiable proof, you must remove the accounts listed below. 

I demand that the following INQUIRIES be verified or removed immediately. 
The following inquiries are not authorized : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I appreciate your prompt attention to this matter and look forward to receiving a response within the timeframe required by law. 

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

While checking my personal credit report, which I acquired fromExperian, I noticed an UNAUTHORIZED inquiry made by your company XXXX XXXX XXXX  on XX/XX/XXXX I did not authorize anyone employed by your company to make an inquiry and view my credit report on that date, I have Paid and closed XXXX XXXX XXXX in the past XX/XX/XXXX. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry without my permission. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Product: Debt collection

Meridian Financial Services mailed me a notice stating that I owed owed the amount of {$940.00} to XXXX XXXX XXXX XXXX. The notice was dated XX/XX/2020 and stated that I had 30 days to respond and dispute the validity of the debt, or a judgement would be entered against me and daily charges would occur. I mailed a response on XX/XX/XXXX stating that I disputed the validity of the debt. I then received another notice from Meridian Financial which was dated XX/XX/XXXX within the 30 day timeframe allowed for my response, stating that they intended to proceed with actions against me. The amount due had been increased to {$950.00} without ever waiting for a response. The debt was then subsequently reported to the credit bureaus and having an otherwise perfect payment history, dropped my credit score from XXXX to XXXX with no further response to my dispute.
Product: Student loan

Nothing has happened, it is still showing on my credit report when it should not be. This is not my account nor is it in the correct name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please attached document This item is inaccurate because the CARES Act provided protection to consumers who were affected during the COVID-19 pandemic.
Product: Checking or savings account

I received a corrected 1099r from Truist for my annual Ira Distribution. The following day I returned to Truist in XXXX, Florida to find out if the distribution was transferred into my Truist checking account. The Bank Officer could not locate where my distribution was transferred and ask that I leave my phone number and he would get back with me. To date I have not received a call back from Truist. Please help me to locate my money. 
Respectfully XXXX XXXX
Product: Debt collection

I was sued for a credit card debit a few months before the statue of limitations expired. I was served with papers and right before court date my husband died in a XXXX. I was in shock and forgot about court until morning of court. I did not attend .XXXX has now garnished XXXX of my bank accounts. I have to respond to what is exempt .I am too poor to pay debt. My husband left us with {$5.00}. Im on SS.
Product: Bank account or service

XX/XX/XXXX, I tried to open an account with XXXX. I was denied and told to contact XXXX Services for the reason as to why. Upon contacting this company, I was informed that my checking status was in good standing, but I was being flagged because my social security number is being used as a Business Tax ID at Bank Of America. I have contacted Bank of America numerous times, only to be told to go here and there and to do this and that, but they were unwilling to resolve this issue. I have never banked with Bank of America nor do I have or have ever had any type of XXXX account. I was told by Bank of America to go into XXXX of their branches and tell them to be removed from a duplicate XXXX ID. Upon doing so, Bank of America then told me that I needed to contact the IRS about my social. I contacted IRS who told me that my social is not and was not flagged and to contact Bank of America since they are the ones who has my social mistyped as a tax ID. Upon contacting Bank of America again, I was then told by customer service to contact my Financial Institution which is XXXX ( I have been a loyal customer to XXXX for XXXX years ) and file an identity theft Affidavit. I went into a XXXX Bank branch on XX/XX/XXXX and filed an identity theft affidavit as I was advised to do. Today, XX/XX/XXXX I contacted XXXX of the Identiy theft department of Regions who advised me that I needed to contact Bank of America yet again and possibly file an Identity Theft with them since they are the ones who potentially transposed my social security number and used it as a business tax ID. So, i proceeded to call Bank of America yet again after XXXX phone calls total, only to have them type in my social security number yet again and tell me that it is still coming up as a Business Tax ID number with someone else 's name and a different state and told me to contact my bank ( XXXX ) to start identity theft so they can remove the Tax ID from my social. So, After the numerous back and forth efforts I decided to file a complaint because no one is helping me due to something that is to no fault of my own. I have never banked with Bank of America and I have never had any type of business. This is affecting my life because I ca n't conduct my personal affairs for being flagged for something that I have no knowledge of.
Product: Checking or savings account

On XX/XX/XXXX my bank account with XXXX was compromised and there was 5 unauthorized charges placed on my account from another state. I called right away and changed my card. I also filed a fraud report with the bank. I have not heard back from them and when I call they do not give any update information. I provided everything they requested but the bank does not seem to have a process I place that can help. The five transactions were XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX. All of these transactions happened in Ohio while I live and was in Virginia.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor XXXX is showing the same account 10 different times. Spoke with a customer service representative who was rude and unable to provide assistance. The information showing is inaccurate and misleading. This inaccurate and misleading information is causing me severe harm. 

I ask that XXXX be removed from my credit report entirely. 

Below is details based off report : : : Creditor : XXXX appears on my credit report 10 times. 

Date Last Active and Date Last Payment : showing different years and dates. 

Date Opened : showing incorrect opening dates Two Year Payment history : XXXX  is showing Ok status, Trans-Union is showing nothing, XXXX  is showing Charge-Off. Information is not showing accurately. 

Last Reported : Showing inaccurate date. Student loan account under different servicer during time period reported. During said time period account was in good standing.
Product: Debt collection

I have tried to pay down the debt and when I was payin it down they kept added like I wasnt payin and callin all time of the night and now the total is outrageous .im havin a little financial problem and really need help
Product: Student loan

Aidvantage just took over in XXXX the XXXX Student Loan I have for my daughter 's college from the previous loan processor that was assigned by the government ( XXXX ). It's in deferment because she has not yet graduated. They've had my loan for 2 months - XXXX and XXXX. I've been making payments of {$500.00} every two weeks since they got my loan, EVEN THOUGH I AM NOT REQUIRED TO PAY ANYTHING because the loan is in deferment AND there is currently no interest being charged to it. My first payment was XXXX XXXX, next was XXXX XXXX, and again on XX/XX/XXXX. When I logged into my account on XX/XX/11, there was a past due charge of {$5.00} on my account, with no explanation. I've not received any notices from them about a past due fee. Then when I searched through the information on my account ( which was no small feat ) I found a {$1.00} per month service charge was being applied to my account. I was not informed about this fee, and furthermore, they've only had my loan for 2 months, so how are they charging me for 5 months?! They have not responded to my emails about this. In addition, my account number is nowhere to be found on this website and if I didn't have the ONE letter they have sent me since taking over my loan, I would have no idea what my loan number is. That letter also does not say that I will be charged a monthly fee now that they have taken over my loan. I do have the letter from XXXX that says " nothing about my loan will change. '' I take that to mean there should be no monthly fee attached to it. The single letter I've gotten from Aidvantage also affirms that the " terms of my loans will stay the same. ''
Product: Credit reporting or other personal consumer reports

A few years ago I signed up for an Experian online account, which means I've established a contract with this company. My credit is very important to me, so I've created the Experian online account to monitor the health of my credit and if issues arise, to dispute such issues online - as promised in the contract. 

In the past couple of months I've been running into the same problem- Experian no longer allows me to dispute inaccurate information on my credit report through my online account, which is a clear violation of my contractual agreement with them. 
This issue is giving me lots of problems, inconvenience and immense frustration. I want to be able to dispute online any inaccurate information on my report. 

I tried to call Experian numerous times to resolve the issue, however their system is design to frustrate their clients by not giving them option to speak with a real person. 

Your immediate attention to this issue is crucial, fix your system and allow me to dispute inaccuracies though my online account ASAP.
Product: Student loan

I contacted Mohela regarding my student loan forgiveness for public service. I was told by a customer service representative that my paperwork was received but she has no other information on status. Its been over two months and my paperwork has not been available on their website. This situation sucks because we are now in repayment phase and Mohela has been dragging it feet in processing borrowers paperwork. I don't understand why the Education Dept. doesn't allow the loan servicer borrowers are assign to handle loan forgiveness.
Product: Credit reporting

EXPERIAN continues to violate the Fair Credit Reporting Act willfully by not removing an erroneous Tax Lien showing on my personal credit report. I have written them by US Mail twice and they still fail to address the situation. I have contacted the IRS and they have informed me the best step is to file a Lawsuit to have this erroneous tax lien removed from my credit report. The Tax Lien showing on My EXPERIAN CREDIT REPORT IS NOT MINE. 

This is causing substantial harm to my credit report and yet XXXX XXXX continues to violate the Fair Credit Reporting Act and will be held liable if this does n't get removed immediately. 

I have also contacted and filed a complaint with the FTC and also the ATTY General both here in Texas where I reside and where EXPERIAN maintains their main corporate offices in the United States XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Not Mine : XXXX  XXXX XXXX : This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. 
This letter will AGAIN request that you follow the FDCPA and please provide the following validation of debt request : Proof of your right to own/collect this alleged debt Balance claimed including all fees, interest and penalties Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 
I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted
Product: Credit reporting or other personal consumer reports

I AM VERY UNSATISFIED WITH XXXX THEY SAY THAT THEY SEND OUT A STATEMENT DO THEY HAVE NOT SENT OUT ONE THEY LIED TO SAY THEY WAS DOING INVESTIGATION ON THE DISPUTES THEY HAVE NOT DONE ANYTHING NO SENSE ANY INFORMATION I HAVE REQUESTED THEY KEPT DENYING MY REQUESTS AND DISPUTES I AM ASKING DID THEY OPEN THIS CASE CONCERNING THE DISPUTES WITH XXXX they said they sent out letter to me they have lied and continuously lying perjury on government document
Product: Debt collection

United Resoure System was sent a certified letter requesting for proof of verification/ownership. United Resoure System has not verifiy the debt as mine, however they are still reporting to all three major credit bueraus.
Product: Credit reporting 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. 

List of Unauthorized Inquiries : XXXX XXXX  - XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - XXXX05-24 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: Checking or savings account

I filed a claim on XXXX XXXX for {$4900.00}. They closed my claim prematurely without doing any research. I provided documentation to BOA on XXXX XXXX when I received a letter in the mail requesting more information. I called on XXXX XXXX to be certain the document was received. That is when I was informed that they did a chargeback to the merchant for the wrong amount and would have to reverse the chargeback and reissue for the correct amount. I asked that my account be given a temporary due to the delay by BOA. I recieved the letter requesting more information well after ten days and its no fault of my own that they created the chargeback for the wrong amount. BOA has refused to cooperate with my request and I have called and escalated the situation, spoken with managers everyone has told me they submitted the request but it is not guaranteed that anything will be done. Boa has failed me miserably and placed me and my family in a financial crisis. Due to mistakes that were not made by me.