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

XXXX XXXX, Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Amounts : {$220.00}, {$200.00}, {$200.00} XXXX XXXX XXXX, Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Amounts : {$930.00}, {$930.00}, {$930.00}, XXXX  XXXX, Date : XX/XX/XXXX, Amount : {$250.00}, ELAN FINANCIAL SERVICE, Dates : XX/XX/XXXX, XX/XX/XXXX, Amounts : {$3500.00}, XXXX, XXXX XXXX XXXX, Dates : XX/XX/XXXX, XX/XX/XXXX, Amounts : {$880.00}, {$880.00}, reported by XXXX, XXXX, and XXXX. 3 Bureau Credit Report Attached as verifiable evidence of multiple charge off under same social security number account that is Certified, and Listed as Decedant Account, duplicate Account charges, and unauthorized Inquiries, hard and soft. Account listed as vast XXXX XXXX. Owner and XXXX XXXX XXXX XXXX XXXX ] : XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

My loans were forgiven under XXXX in XX/XX/2023. XXXX still reports the full amount on my credit report though they report {$0.00} balance due, and XXXX also shows a {$0.00} balance. I tried disputing it through the credit bureaus but they have continued to report the full balance as outstanding.
Product: Credit reporting

Incorrect information on my ccredit report. XXXX XXXX is reported as open with a {$33000.00} balance. This information is incorrect. It should be reported as Closed with a balance of zero. It is correctly reported on my XXXX XXXX credit report correctly as closed and XXXX balance. As discharged on my Chapter # XXXX Bankruptcy dated XXXX XXXX, 2015
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments being reported on my credit report that's almost 4 years old. Needs to be removed as this is being reported and technically against the law. Please look below at 15 U.S.Code 1681a ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated In the exclusions it says in ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions and experiences are meaning that of transactions and payments history
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX Email : XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX XXXX : XXXX Against Santander Consumer USA Dear Sir or Madam , I am submitting this complaint against Santander Consumer USA regarding an inaccurate negative mark on my credit report. Despite multiple attempts to resolve this issue directly with Santander Consumer USA and the credit reporting agencies, the problem remains unresolved.

Since English is not my first language, I can not read letters. I usually use translation software. Since the bank I used for my auto loan was not the bank I usually contact, such as XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX I thought the payment notice I received was from a fraudulent company, so I delayed my payment. However, I have always maintained good credit and have never had any overdue payments. Due to this misunderstanding, my credit score dropped rapidly, which seriously affected my life. 

Issue Summary Account Information : Account Holder : XXXX XXXX Account Number : XXXX Creditor : Santander Consumer USA Disputed Item : A late payment is inaccurately reported on my credit report for the month of [ XX/XX/year> ]. 
This negative entry has significantly impacted my credit score and financial reputation.

Reason for Dispute : I was unaware that the loan for my Tesla vehicle was serviced by Santander Consumer USA. This led to an unintentional delay in payment.

Once I realized the oversight, I immediately resolved the payment issue and brought the account current. 
Attempts to Resolve : I contacted Santander Consumer USA on [ XX/XX/year> ], but they directed me to the credit reporting agencies. 
Despite filing disputes with [ XXXX XXXX XXXX XXXX XX/XX/year> ) ], the issue remains unresolved. 
Request for Resolution I kindly request CFPB to investigate this matter and facilitate the following : Remove the late payment from my credit report Attachments I have attached the following documents to support my complaint : A copy of the credit report showing the disputed item. 
Payment records and proof of account updates. 
Any correspondence with Santander Consumer USA and/or the credit bureaus. 
Thank you for your assistance in resolving this matter. Please feel free to contact me directly at XXXX XXXX if further information is required. 

Sincerely, [ XXXX XXXX XXXX
Product: Checking or savings account

Company - Bask Bank Toll free : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX I made 2 attempts to opening a ( mileage ) Savings account at XXXX  on XX/XX/XXXX and received a Based on the information provided, we can not open a XXXX XXXX account for you at this time. XXXX XXXX - XXXX. Following that I ran a credit check and checksystems report to confirm there are no issues. I have an excellent credit score. I called up XXXX XXXX and asked them to provide a reason for the rejection or an adverse action notice with the agency information. I was told that they would not provide that and that they did not do any agency or credit check and hence are not required to provide any reason for decision or adverse action. Since the only other pertinent information is name and age I have reason to believe that the decision is discriminatory. I have reviewed the account qualification requirements on the XXXX & XXXX and can confirm that I meet them. Besides that, I offered to provide any supporting documentation including drivers license, address proof or tax filing proof and they declined that. My wife also applied yesterday XX/XX/XXXX and received the same message. We have reason to believe there is either a system issue or a discrimination ongoing in this scenario and hence filing an official complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX XXXX XX/XX/XXXX
Product: Student loan

I submitted a complaint and this was the response send to CFPB. It shows I'm sending payments but it shows how the loans have never adjusted in amounts in years. I want a statement of account showing payments and how they affect the loan amount. How can someone pay money monthly for a decade and still have the final balance?
Product: Credit reporting or other personal consumer reports

XXXX, Transunion and XXXX are reporting multiple adverse accounts on my credit report without any verification and consent, In which is infringing on my right to privacy pursuant to the Privacy Act of 1974. 

The account named XXXX XXXX XXXX, Account Number : XXXX, is adversely reporting inaccurate information. Such account contains an alleged debt in the amount of {$1500.00}. Such debt being reported is an alleged debt, I do owe any amount of such alleged debt. 

In addition, The credit reporting agencies are also adversely reporting account name XXXX XXXX XXXX XXXX Account number : XXXX. Such account is illegally reporting private student education records between me, the Consumer and XXXX XXXX XXXX XXXX. The account was paid in full, closed as of XX/XX/XXXX and has been for the last five years. Such account contains private transactional history and other private information. The information being furnished is completely inaccurate, infringing upon my right to privacy and is in violation of the federally enacted law Family Educational Rights and Privacy Act of 1974. ( 20 USC 1232g ) I have the right to make sure my private information isn't shared and that the information being furnished on my credit file is 100 % accurate and does not damage, impact, or destroy my character, reputation and livelihood.

15 U.S. Code 1681e ( b ) states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' the Consumer reporting agencies XXXX, XXXX, and transunion do not have my consent to furnish this information and they surely do not have my written consent. 

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

XXXX, XXXX and Transunion are not maintaining reasonable procedures. Their failure to do so has caused severe damage to my personal and household financial stability and mode of living due to the misleading, inaccurate and adverse information being reported on my credit report.

If such items are found to be inaccurate and/or can not be verified by the original signed consumer contract within 30 days of receiving this notice pursuant to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) such items must be deleted from my file.
Product: Debt collection

Started to receive harassing and threatening calls from a XXXX XXXX at XXXX. She coerced me into making payments to keep my driver 's license valid while having no authority to suspend my license. She did not allow the dispute process with my insurance company to follow through. Out of fear I paid in total I paid {$6700.00}. Even after setting up arrangements and making payments she still attempted to get my driver 's license suspended. Her and a XXXX XXXX both continued to harass me to sign a promissory note to pay a debt that I did not owe. As of XX/XX/2023 I requested an itemized statement, documentary evidence, and written agreement to validate this debt. I have yet to receive items. In good faith I am requesting this information in hopes that this company will comply with federal law and validate this debt. If it can not be done within a reasonable timeframe of 30 days a refund is owed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 accounts on my Transunion credit reports that do not belong to me. I have disputed these accounts, Was sent notices that the accounts have been verified. They CAN NOT verify accounts as mine that do not belong to me. And they are still listed on my credit reports even though they do not belong to me. 1. XXXX Account # XXXX, 2. XXXX XXXX Account # XXXX, Both accounts 1 and 2 have same acct # s different amounts listed and different company names. 3.XXXX XXXX Acct # XXXX, 4.XXXX XXXX  XXXX Acct # XXXX These accounts do not belong to me so I want them removed from my credit reports IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my credit report file. The documents are attached and the disputed items have been circled. This item is inaccurate or incomplete. 
Please investigate these issues as quickly as possible because they are having an adverse effect on my financial situation and has caused me financial distress in other areas as well. 
Kindly remove or correct the information : XXXX XXXX XXXX XXXX
Product: Debt collection

I am a victim of identity theft. I have been in contact with all major bureaus letting them know that a bankruptcy that appears on my credit file does not belong to me. Two of which have respected my wished and removed the bankruptcy from reporting. However, Equifax and XXXX have not. I have sent in paperwork multiple times with proof that the bankruptcy does not belong to me ; I have filed an FTC report and specifically stated for the information to be " blocked off my credit report file pursuant to section 605B of the FCRA, '' to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original Account has been paid.

Account now shows a new amount not paid and a much larger amount. Multiple documents to support my claims.

Please have collections account remove in accurate info from all 3 credit bureaus within 10days.

Falsified documentation by collection agency to be removed immediately. Proper state guidelines not met here. Delete off all 3 bureaus
Product: Credit reporting

On XX/XX/2015, I filed an dispute with Experian and advised Experian that voluntarily dismissed chapter XXXX bankruptcies with docket # XXXX, XXXX and XXXX were currently reporting in my credit file. More importantly, I advised Experian that their is not any clear language in the statue that states voluntarily dismissed chapter XXXX bankruptcies should be included in a consumer credit file and to delete the voluntarily dismissed chapter XXXX bankruptcies with docket # XXXX,XXXX and XXXX and supply me with and updated credit report. I advised Experian my mailing address is XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, NY XXXX. I never received an response from Experian. Subsequently, I filed a second dispute with Experian on XX/XX/2015, and advised Experian that they never responded to my dispute dated XX/XX/2015, and it has pass the allotted time for disputes and they are in violation of the FCRA, and the XXXX voluntarily dismissed chapter XXXX bankruptcies with docket # XXXX and XXXX should be immediately deleted off my credit file, and to provide me with an updated credit report. Furthermore, I advised Experian that my mailing address is XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. I never received an response from Experian.
Product: Debt collection

I want to XXXX that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Product: Prepaid card

I received a prepaid NetSpend debit card at a Continental currency exchange in the month of XXXX in the month of XXXX I received a direct deposit from social security to the NetSpend account in the month of XXXX I received the card in the mail and try to activate the card but that account was locked out also the card that I received in the month of XXXX soon have a lock on it and I was asked to send in my ID and proof of residence and I did just that but to no avail what XXXX unlock the prepaid debit card account
Product: Vehicle loan or lease

The issue is that this specific account was opened with BMW Financial Services on XX/XX/2019, as stated on the credit bureaus. I had no prior knowledge of this particular loan because I was unaware another car loan was added to my credit report. This account resulted from identity theft and fraud because I was unaware of this account, a new car, and a new lease being added to my credit report. Plus, I was not the person that got the car. I recently learned about this account, and I contacted BMW to inform them that they're reporting an account on my credit report that I am unaware of. They told me the car is a lease and it was a new lease in 2019, but the car was repossessed, and the account is currently in charge-off. I asked them when and how this loan was opened without my permission because the account is not mine, and they should immediately investigate this. The representative refused to continue talking to me. I requested information about the account, but they refused to provide anything. They claimed that since I'm stating the account is not mine, they are not privileged to share information. However, they continuously report this fraudulent account that resulted from identity theft on my credit report. When I checked, the credit bureau said the loan 's original balance was {$21000.00}. But currently, the loan balance is {$31000.00} and continues to increase. I told BMW continuously and sent them documents with a notarized affidavit that the account was not mine and that such derogatory and fraudulent accounts resulting from identity theft must be removed from the credit report. Bottom line, I want to state that the account is not mine, and they must release this fraudulent account or loan from their record and my credit report because I am not the obligor of this car and this loan.
Product: Debt collection

XX/XX/XXXX called me from number XXXX XXXX XXXX Virginia. The caller informed me that her name was XXXX and she was from XXXX XXXX and she called out my date of birth. I asked XXXX what exactly does the company do and how and why does she have my personal information and she refused to answer what her company did. I informed her that she does have my personal information and why does she have it. She refused to tell me what the company was. At one point she laughed and still asked me my DOB and I once again informed her yes that is my personal information and how and why she has it and what exactly does the company do. She still refused to tell me what XXXX XXXX was. I asked for a manager and a XXXX got on the phone, he called out the last 4 of my social, I again asked how do they have my personal information and who are they. He final told me that they were a debt collection agency and they were trying to collect a debt for XXXX from XX/XX/XXXX. I informed him that was not my debt and to not call me again. He continued to talk and asked me if I wanted the information and I once again informed him that was not my debt and don't call me and I would be reporting his company to the CFPB. I do not owe this debt, I have been a victim of identity fraud and I want all information removed if on my credit. XXXX XXXX refused to identify who they were, they were rude and unprofessional.
Product: Student loan

I have tried to call 6 different times on different days. I use their callback system to have my place in line held until they call me back. Upon receiving a callback and verifying my identity, I am asked to be placed on a brief hold, the hold lasts about 3 seconds, then the call is dropped. I have never received a call back after the call is dropped. On my most recent attempt I asked to NOT be placed on a hold and explained that every time I'm put on a hold the call is dropped, and was told " I can not have silence on the line. '' I again asked to NOT be placed on hold. The representative said " ok I will not put you on a hold, '' the line went silent, and my call was again dropped within 10 seconds. The live chat feature does not work, I have submitted an email request, but have not received any confirmation that they have received my email or a wait time associated with an email reply. 

Dates of calls : XX/XX/23 ( 2 times ) XX/XX/23 ( 2 times ) XX/XX/23 XX/XX/23
Product: Credit reporting

I have sent a letter to dispute inaccurate information on my credit report and Experian continues to refuse to investigate my claims. Per the FCRA they are supposed to investigate claims of errors on my report but will not nor will they show me how they come to the verification process per the FCRA laws that govern them.