23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Early XXXX I find out there was some an authorized transactions worth over {$1500.00} with RFBC BANK IN XXXX, this include XXXX XXXX XXXX XXXX  and {$700.00} with an airline.Contcted my bank they give me temporary credit, within the time period off investing i did not take long that ingestion finish took the money back. When I contacted fraud department they investigated that nothing was wrong an no one have access in my account. Since I dont use my bank direct deposit now they stat charging overdraft fees. When there was no refund in my account. Been with bank have never had an overdraft because I was had overdraft protection. # XXXX is too much for poor person like me this bank has Millions. Please help to get my mone=y back.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX  - XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX XXXX  - XX/XX/year> The following inquiries were not and should not be reporting.
Product: Credit reporting or other personal consumer reports

I was alerted by my credit karma account that I had a new hard inquiry on my credit report. When I signed in to check it out, my transunion report was showing a hard inquiry on XXXX XXXX. Neither myself or my husband opened any new accounts on this day. I made a username and password on XXXX website to open a dispute but could not find any way to dispute this hard inquiry- only basics like my names, past addresses, other small items. So I went back and found the number to the bank that issued the inquiry, Barclays Bank Delaware. The phone call was to an automated helpline that asks for your credit card number and if you can not provide, ends the call. XXXX research unearthed that this particular bank issues credit cards under a large umbrella of companies and had multiple service numbers which I called and all function the same. Their BBB rating is awful and it appears they are a trash company. So, here I am reporting this to figure out the next steps to protect my credit, money, and information from fraud.
Product: Payday loan, title loan, or personal loan

I paid this account in XXXX in full Acct # XXXX. I spoke with a customer representative stating they would send out a paid in full letter and remove account from my credit report. I received a paid in full letter dated XX/XX/XXXX. 

I just checked my credit report today XX/XX/XXXX. The information report : Date Last Active XX/XX/XXXX Date of last Payment XX/XX/XXXX Balance : {$990.00} Last Reported : XX/XX/XXXX This Company over the last 2 years has reported incorrect information on my XXXX Credit Report. I have made complaints on this company in the past. All information in this complaint is drastically incorrect. I would like this account deleted from my report.
Product: Money transfer, virtual currency, or money service

In the XXXX. of XX/XX/2018. I enrolled through my bank site using XXXX. I initiated a transaction in the amount of {$600.00} to my daughter for XXXX XXXX. I was immediately advised by email the transaction was under review. Frustrated, with contradictory marketing of the application ( which conveyed funds would be transmitted in real time ) and the fact it was a bank offering BB & T ( I knew funds were available and I had not been advised of anything being wrong with my account ). I contacted their customer service number and selected option 4 which pertained to XXXX and spoke with representative XXXX XXXX. I was advised my account was not in a fraud status but, the transaction was being reviewed for fraud. I conveyed I wanted to cancel the transaction and un-enroll from using XXXX. I conveyed I felt it was urgent my daughter receive the funds in that her appointment was Monday. I was placed on hold and upon his return to the line, told I could do neither. I then later, went to the bank when it opened. I was serviced by XXXX. Poor XXXX really did not understand XXXX as a bank offering, and after much dialogue, she called internally for support. She was told the transaction would not go through. I checked my phone and could see emails confirming. I physically removed the funds. I went to XXXX and used XXXX. I briefly spoke with the banks customer service representative XXXX, as I was leaving. She felt I would be able to cancel my relationship with XXXX. I tried her method and could not do so. I e-mailed her but, have yet to receive a response. Today I noticed after accessing every vehicle of protocol the bank offered. The bank has not canceled my relationship with XXXX ( an application which requires you to give access to all your contacts in your phone book ). And the bank actually took the money out of my account. I will go to the bank physically to have funds refunded. But, I wanted to advise the CFPB so they could insure the bank is providing the consumer with accurate/upfront information about XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfillits legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a request to XXXX XXXX to investigate accuracy of information on my Consumer Reports. 
They sent their response and dated XX/XX/XXXX which I have attached confirming that the reporting information is accurate. 
XXXX is in violation of 15 U.S. Code 1666 ( a ) 15 U.S. Code 1666b ( a ) 2 15 U.S. Code 1681i The inaccuracies include ; Last Payment Date XXXX TransUnion XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Times 30/60/90 days late XXXX TransUnion XXXX XXXX XXXX XXXX Highest Balance XXXX TransUnion XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX Address Information XXXX TransUnion XXXX XXXX XXXX Tx XXXX LA XXXX DE
Product: Credit reporting or other personal consumer reports

I have sent multiple letters to XXXX, XXXX and Equifax to correct the disputed items
Product: Mortgage

We made multiple attempts over the last 6 months or so with Freedom Mortgage to attempt to have our PMI removed after we were told we met the appropriate criteria. We were told to email a specific account to receive information for approved appraisal companies. I emailed multiple times and called. I was told it would then be mailed to us and it never was. My husband made our XX/XX/2019 mortgage payment and accidentally typed in the wrong account number. It was processed by never went through. Once we learned of the mistake we made the payment by XX/XX/XXXX. Unfortunately, my credit score dropped by 97 points. It was an honest mistake and we have never been over 30 days late on our  mortgage payment before. I would like to have it taken off of our credit report. Additionally, I wanted to see the PMI removed but now that we had this missed payment that wont likely happen. We are looking for any help we can get in this situation. Thank you
Product: Prepaid card

I was not sent this information and I have asked for it over and over and when I called in and asked for address PayPal sent it to me for the 1st time it left me no time to return the item when I was told I can not get any more time and my case will close when in logged back in one day I saw the case was open til XX/XX/2024 to get the item sent back with tracking number and I did that and I called in and took a picture of return label the girl who took my information told me I will get my money back this time and PayPal had til the XXXX XXXX  to get me back refund and tonight I looked back on PayPal site on the XXXX of XX/XX/2024 PayPal closed my case telling me the tracking number was wrong which is a darn lie. The case was to close on XXXX XX/XX/2024, the tracking information was correct PayPal is lying and I am demanding my money back and I also want the return of my money I spent sending back the defective lens the total amount due to {$90.00} and {$18.00} return fee the total amount I am demanding is {$110.00} pay pal is lying they have wrong tracking number if they do it is because they put it in wrong. Here is a copy of my proof. IAM DEMADING ALL, MY MOMEY BACK NOW,,
Product: Credit reporting or other personal consumer reports

In XXXX with the Fair credit reporting act, This creditor has violated my rights. Under 15 U.S.C 1681 section 602 states I have a 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. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit account under an open end as late for any purpose.
Product: Debt collection

On Friday XXXX XXXX, 2017, I received a debt collection letter in the mail stating that I owe {$1700.00} from Credence. I have never signed a contract with XXXX for telephone service. This debt does not belong to me nor is it valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon the transfer of this mortgage to XXXX, our escrow was doubled due to an accounting error by XXXX. We were in the process of disputing this when XXXX refused to apply any payments towards the mortgage. We stopped paying during dispute but XXXX was no help and we were then put into foreclosure. During the foreclosure process we then received an offer of modification for the exact amount that we originally should have been paying less the error n the escrow. The attorneys for both sides handling this came to a resolution and XXXX attorney then sent us a letter for us to send to the credit agencies that have us listed negatively stating that this was an accounting error and we should not have this adverse credit. Experian and XXXX have both sent in disputes numerous times to XXXX to have them remove and update our credit to no avail. As of this date, I still have this on my credit as negative and I am currently under contract to buy another home and am working with a mortgage lender, however due to the low score stemming for this negative report, I am in jeopardy of either NOT getting the mortgage or paying a premium interest as well as other fees! XXXX also does not have a direct line or person to speak to for any kind of help! Please not prior to this we have 2 mortgages with never being late as well as the one I question never being late prior to the accounting error on XXXX part.
Product: Payday loan

So I applied for a XXXX loan and was approved they had deposited XXXX into my account on the XXXX and now the check shows reversed and my account is negative XXXX and when I called they said the money would be depoisted Monday at XXXX with the rest of the money missing
Product: Credit reporting, credit repair services, or other personal consumer reports

yes i was told by my bankruptcy attorneys not tp make one payment in XXXX and ir would be part of bankruptcy  case so it should not have to dp with ypuse you should have been current with me when you took over account in XXXX not looking foe late payment in XXXX which was part of bankruptxy and should be reflected in XXXX  records not yours to be brought up in XXXX and should be marked differant then they are by way your reporting it it should be 4 reports of 30 days late not 30 30 80 80 90 the way your reporting it on one credit report and 30 30 60 90 120 on another one get your facts straight and report that
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I have recently reviewed my credit report and notice there are items reporting that I have no knowledge of, I never had any consumer transaction, credit extended, or authorized doing any business with the companies, as a matter of fact, I was never notified that these items were going to appear on my credit report, I have sent you a letter of my concern of the misleading, untrue, inaccurate and unproven items on my credit report but I have not received a response for you yet, I'm positive this is a violation of my consumer rights
Product: Credit reporting or other personal consumer reports

I reviewed my credit report profile and noticed some hard inquiries that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning. The following information is not mine. Can you please provide me with Signature proof or remove it from my Credit Report? Thank you. 

XX/XX/XXXX - XXXX - EQUIFAX XX/XX/XXXX XXXX EQUIFAX XX/XX/XXXX XXXX EQUIFAX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  / XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report from XXXX XXXX XXXX XXXXXX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Fraudulent Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, A XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX XXXX, Unverifiable Addresses : XXXX XXXX XXXX  XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, and Erroneous Accounts : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance {$840.00}, XXXX XXXX XXXX Balance {$920.00}, and XXXX XXXX XXXX XXXX Balance {$20000.00} on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by 3 Credit Bureaus not blocking these accounts is inadvertently resulting in me being extorted.
Product: Mortgage

I, XXXX XXXX, am extremely disappointment with DITECH representatives and all the miscommunication I have been receiving. On XXXX XXXX, 2016 my legal representative from XXXX XXXX XXXX had a phone call from XXXX extension XXXX who is my single point of contact. She requested the Non- Borrower credit authorization form, but never specified that DITECH required a legal form, she told XXXX XXXX XXXX XXXX XXXX that it could be a hand writing authorization. Yesterday XXXX XXXX XXXX called to do a follow up regarding my case and was told that my file was submitted to the under- writer, but that the Non- Borrower income presented was not going to be used due to that fact the Non - Borrower credit authorization form was n't acceptable. I 've been trying to get a Lon Modification for that last year and has been denied for income purposed. I need my daughter 's income to be used in the review. I ask you to please take into consideration my daughter 's income, who is my contributor.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I had purchased a car from XXXX XXXX ( XXXX, OH ) in late XXXX and was provided a loan with Santander Consumer XXXX. The salesman 's name is XXXX XXXX. The car blew its engine 45 days later and XXXX XXXX refused to pay for the repair. It cost me {$2500.00} to repair the engine. 

I continued with the loan and had to defer the loan for 2-3 months due to job loss / unemployment. From this point, as I tried catch up on my loan, Santander counted the payments towards the interest accrued and did not reduce the principal. this persisted for a few months and I eventually told them to pick up the car and I am unable to make the payments. They sold the car, unknown price to me and have me owing $ XXXX remaining balance. All in all, the XXXX - 4 Yrs. of payments never reduced my principal. They do n't provide any documentation and had accelerated harassing calls. 

This company does unethical business and offers predatory loans where the principal is never reduced, initiate collections / repossession efforts and stiff the customer with unknown amounts of money and do n't provide the reasoning on how they arrived at the loan. 

In the end, I am stuck with a XXXX XXXX responsible for the Income to be filed in XXXX with the XXXX. I do n't think this is very fair and Santander should be held accountable.
Product: Debt collection

Received several phone calls from phone number XXXX stating that I needed to " cooperate with '' the company by paying {$200.00} of the {$400.00} debt. Then, my social security direct deposit information was changed online. They requested that my payment be deposited to XXXX XXXX card. A fraud alert has been set with social security, but the payment to the XXXX XXXX card was never recovered by social security.
Product: Credit reporting or other personal consumer reports

1. The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches such as XXXX, and TransUnion which are in a class action lawsuit at this time being sued for reporting inaccurate items on credit reports and false information and breaches... Please provide a complete log regarding the dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I XXXX confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. Also after going through these accounts that are reporting fraud on my account, I noticed different account numbers and balances for all the accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand the immediate removal of these items and everything included on the FTC AFFIDAVIT the law states these items must be reported as truthful and accurate not fraud. 15. us. code 1681-1c1 identity theft blocking information and 1681 s 2b u.s. code 1692j 1681 2b creditors must block the information within four days and notify the furnished of the report of the fraudulent data. block all current and future reporting. 

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 
2. 1. Validation of the debt-that is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you can't provide these items Delete them.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this is not a third party filing this complaint. I have contacted the credit bureaus about the inaccurate account that are being reported on my report and they have not did anything. This is causing me grave financial woes due to their violations of reporting inaccurate accounts on my report. I demand that those attached accounts be deleted immediately.
Product: Credit reporting

Equifax is allowing XXXX or XXXX or in Equifax case no name collections to report on m credit file in Breach of the HIppa laws Privacy act also MY XXXX was paying this so this company has no legal right to report Equifax is allowing them to do so and sharing this information with out the my consent MY medical records are mine and can not be shared for any reason my medical bills are part of that record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit and noticed a fraudulent account that I have never applied for nor authorized anyone to apply for under my name. It says XXXX XXXX which I am not familiar with.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that are completely inaccurate and misrepresent my actual payment history. These false records are unfairly lowering my credit score and harming my financial reputation. I will not allow these reporting errors to go unchallenged.

The following items I am disputing are the following : Company Name : XXXX XXXX XXXXXXXX - Account # : XXXX - Past Due Amount : {$0.00} Company Name : XXXXXXXX XXXX XXXXXXXX - Account # : XXXX XXXX Past Due Amount : {$0.00} Despite my diligence in managing my financial obligations, these mistakes continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errors, as any further delay will only increase the damage already done. Failure to act swiftly will be seen as deliberate negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Report Number XXXX I AM DISPUTING THE VALIDITY OF THE INQUIRY. None of these inquiries will have my signature on file and unless the company can show a hard copy with my signature, I ask that these inquiries be removed, and an updated report be sent to me.