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

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companys that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that informa
tion pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX has continually allowed XXXX different creditors : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX report inaccurate information to my credit file. I have submitted numerous disputes with supporting documentation every month since XXXXXXXX XXXX XXXX. This company has failed to correct my credit report and update accurate information. They have continually violated my rights under the Fair Credit Reporting Act. As such I have been denied home ownership, financing, credit and other essentials that should be afforded to every XXXX. They have never made an effort to correct or remove this information based on the discrepancies that are clearly and unfairly reported thus breaking the law.
Product: Payday loan, title loan, personal loan, or advance loan

Reprise financial gave me a title loan on a salvaged vehicle that I feel they knew wouldnt be able to repay. The interest rate was extremely high as well with them knowing the vehicle was salvaged. I explained to them that I was still also making payments on the vehicle to another lender ( XXXX XXXX ). I am a XXXX veteran on XXXX and Im facing an extended financial hardship due to recent XXXX. I asked for an extended extension to while I wait to have my XXXX payments reinstated. I asked for a three month extension and they gave me one month. I called and explained my circumstances in detail so they know. They failed to properly document my account, and instead continue to call and harass me about payments when they know the hardship I am going through. They have refused to talk to me about extending the loan or lowering the payments but instead continue to harass me and threaten me with reporting payments to my credit as late. They never explained to me that the title loan would be listed on my credit report as a vehicle loan, and Ive made payments but my balance has increased instead of decreasing. They are also reporting this as a vehicle loan under another name ( XXXX XXXX ) when it was a title loan not a vehicle loan.
Product: Debt collection

there is an account in my report that i don't recognize. This is fraud and i wanted to have it removed. I have been disputing this since last year. Kindly remove the following : XXXX XXXX XXXX  account # XXXX date opened XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

As of XX/XX/2024 the items below remain inaccurate and missing from my LexisNexis XXXX XXXX Credit report they also have a second LexID on file for my business. 

My Business name SOS Filing Number Business Established Date TIN The issues that started in XXXX of XXXX still exist in XX/XX/2024, the recent letter I received notates the Case Number XXXX.
Product: Debt collection

Today XX/XX/2023 I received an email from XXXX XXXX XXXX that my profile has been updated with derogatory changes. After review, my credit score reduced by more than XXXX points and an unknown collection account from SUNRISE CREDIT SERVICE with a balance of {$2400.00}. 

I contacted XXXX and initiated a dispute on this matter. Additionally, a police report has been recorded with XXXX AZ Police Department case XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

Was in the process of applying for an house and notice there are damages on my credit report that's affecting me. According to 15 U.S.C 1681 there should not be any damages on my credit report. This is defamation to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft and have sent in numerous documents for my FTC report showing the Inquiries are not mine. They refuse to delete it from my account. Every week its a new reason why they cant remove from my account.
Product: Checking or savings account

I filed a claim about my ui benefits being stolen and BOA has done nothing. I was told that I should have filed a claim in XXXX  when it first happened. I tried to file a claim then I didn't even have the option. I went to the branch and they told me I had to take the issue up with the XXXX  XXXX which was impossible at the time. I tried the whole calling over and over for hours but got hung up on or the message stating they were unable to take my call just like I did when I tried to call bofa about my money. My account was hijacked. I was certifying through the mail randomly whenever I got the certification forms in the mail ehich was clustered and never consistently. Now that I'm finally in my XXXX account again I see that they did receive my certifications by mail but the benefits were issued from certifications done online. I never got my ui account number in the mail like they said. I never got any of my money. Why was someone else able to get my money but not me. A lot of things make sense now. The address was changed from my house to some place in XXXX. Why is the bofa still investigating buy not giving me a provisional credit?
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I offered a 2nd loan with upstart and I accepted the offer just to be denied for lack of on time payments and outstanding balances. This was an incorrect denial due to all my payments being on time and reporting that way and I did not have an outstanding balance because at the time I had made a payment earlier that day. 

I felt as If they engaged in predatory lending which was abusive by offering me more credit just to wrongly decline their offer and they stated due to policy they can not overturn their decision or even take a second look, even though their payment operations center confirmed I had met the criteria they used for the decline. 

I spoke with XXXX a general support supervisor who didnt offer any option to revisit the application and just stated its company policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

SECURITY CREDIT SERV XX/XX/XXXX date opened XX/XX/XXXX dated reported This is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of XXXX  & financial stress which is impacting my ability to XXXX, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$13000.00}.
Product: Checking or savings account

Om XX/XX/XXXX, after receiving a promotional offer from Santander Bank in the U.S. mail, my wife and I opened a joint checking account at the Santander XXXX branch. Santander promised a {$400.00} bonus if we made {$2000.00} in direct deposits to a new checking account within 90 days of opening the account. 
On XX/XX/XXXX, I instructed my XXXX financial advisor, XXXX XXXX, to make a {$2100.00} distribution from my IRA account and directly deposit it to my Santander checking account. Since I am a preferred XXXX client, who is entitled to free wire transfers, XXXX XXXX made the direct deposit by wiring the distribution to my Santander checking account. 
On XX/XX/XXXX, I called Santander 's published telephone number, XXXX, to find out how I would receive the {$400.00} bonus. I spoke to XXXX, who checked my account and said that I have met the requirements for the bonus. She said that no action was required on my part and that after 90 days from the account opening date, the {$400.00} would be credited to my checking account. 
On XX/XX/XXXX, I accessed my Santander checking account online and found that the bonus had not been deposited. I called the branch and spoke to XXXX, who said that a wire transfer is not considered a direct deposit. I explained that it was a distribution from my IRA and that XXXX made the deposit directly from my IRA to my Santander checking account. I told her that XXXX at the XXXX number said that the requirements were met. However, she insisted that my deposit did not meet the requirements. She transferred me to XXXX, the supervisor, who told me that she would appeal my case to the back office. 
Two days later, XXXX informed me that the back office ruled that the {$2100.00} wire transfer made directly from my XXXX IRA to my Santander checking account would not qualify as a direct deposit. Therefore, I would not receive the {$400.00} bonus. 
I would appreciate your assistance in convincing Santander Bank to do the right thing. I requested a direct deposit. XXXX felt it was taking the extra step by making a wire transfer to expedite my deposit. By the way, Santander charged me {$13.00} for an incoming wire transfer. 
I have included the following attachments : A. Letter from XXXX verifying that I requested a direct deposit and that they directly wired {$2100.00} from IRA directly to Santander checking account. 
B. 4 images showing the promotional offer sent to us by Santander. 
Sincerely, XXXX XXXX
Product: Debt collection

The daily phone calls are coming to our home landline. A recorded message does not ask for anyone in our household by name. It says it is an attempt to collect a debt and rattles off another number to call back. It does not repeat the call back number. I believe the number is : XXXX. We are on the national do not call registry.
Product: Debt collection

Years ago I received threatening and hang up phone calls concerning some debt I allegedly owed followed by correspondence from a law fi rm ( glorifi ed debt collection agency ). If I remember correctly, I replied to the correspondence with a request for proof of the debt. No such proof was ever received. Now, years later, the debt collector/law firm has apparently obtained judgment to garnish wages. What 's going on?
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX  Account Number : XXXX XXXX accordance with the Fair Credit Reporting act 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

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX Balance : {$7500.00} Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Subject : Urgent Request for Resolution Regarding Unauthorized Credit Card Reporting Dear Sir/Madam, I am writing to express my deep concern and frustration regarding the continued reporting of a credit card account in my name by XXXX XXXX XXXX XXXX XXXX despite my repeated requests for its removal. 

Earlier this year in XXXX specifically, I mailed in an authorization notice, called, and even sent written communication requesting that this credit card be removed from my account ( See attached Request form from Back then ). I was assured by your representative that the credit reporting associated with this card would no longer reflect on my credit score. Unfortunately, despite these assurances, the issue has not been resolved. 

Recently, while applying for a loan, I discovered that this erroneous credit card is still being reported, which has adversely affected my credit score. This situation is not only causing unnecessary stress but is also damaging my financial standing. 

It is clear to me that the systems in place at XXXX XXXX XXXX XXXX are failing to address this matter appropriately. As a result, I am escalating this issue through the Consumer Financial Protection Bureau ( CFPB ) to ensure that it receives the attention it deserves. 

I demand immediate action to correct this error and to remove any adverse information related to this unauthorized credit card from my credit report. Please provide me with written confirmation that this matter has been fully resolved and that my credit score will not be negatively impacted by this issue in the future. 

Thank you for your prompt attention to this critical matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I had a Capital One Bank ( USA ), N.A. credit card that I was unable to pay. The total debt amount with fees and interest totaled {$7100.00}. On XX/XX/XXXX, XXXX XXXXXXXX XXXX, on behalf of Capital One, offered me a settlement amount of {$1400.00} to resolve this debt. Because my auto loan is also with Capital One and is current, Capital One was willing to work with me and offer me the lower settlement amount. I accepted their offer and paid XXXX XXXXXXXX XXXX  {$1400.00}. 

XXXX XXXX XXXX, XXXX has been attempting to collect the original amount of {$7100.00}. I've notified them both verbally when they called and in writing about the settlement agreement with XXXX XXXXXXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX sent me a letter stating that they have completed their investigation, and the debt is valid.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

The department of education has failed to comply and follow through with the settlement terms set forth in the settlement entered on XX/XX/XXXX, and effective XX/XX/XXXX, for XXXX loan borrowers who are in the automatic discharge group. 

I am a full class member of the automatic discharge group. 

I have reached out several times to StudentAid.gov, my loan servicer, XXXX, and done my best to attempt to contact the Department of Education directly regarding the matter, as well as shared my experiences with the XXXX. 

I have recently as of the month of XXXX, filed disputes with all 3 credit bureaus, and all 3 major CRAs ( XXXX, Equifax, XXXX ) have all failed to remove the XXXX XXXX loan accounts from my credit report as is required by law. 

Per the settlement, I should have received all monies paid to the Department of Education for my XXXX XXXX loans, full discharge of my XXXX XXXX loans, as well as full removal of the information from my credit report no later than XX/XX/XXXX. To date, I have received no relief.
Product: Credit card or prepaid card

Reputable banks ( XXXX, XXXX ) link all accounts under a given SSN, so that the person in question can see any accounts he / she has open with that institution. No surprises, no phantom cards opened under your name that you didn't know about. Because when you log in, everything under your SSN is in one place.

Citibank, by contrast, deals in obfuscation. You can have 10 years of different bank accounts and credit cards with them. All accounts are under the same SSN, same contact info, mailing address, and the like. Yet all tend to have different logins. They don't link automatically. If you weren't aware that an account was opened in your name or a duplicate card was sent to you with a different number, you would not know it unless you knew the card existed and found a way to link it, through extra steps, to your primary account. 

This obfuscation ( not linking accounts ) facilitates fraud. But it helps CITI charge usurious interest rates to unsuspecting people. People who, because the accounts aren't linked under the SSN, didn't even know a given ( often fraudulent ) account existed. 

That is what happened to me. Citi sent a phantom card. Charges were made to it. I had no access to it. It didnt ' appear under my normal Citi account - set on autopay. usurious interest accrued. I never received a paper statement. And now they are trying to pretend this is ok. 

This deliberate failure to link accounts perpetuates wholesale fraud against the nation. It needs to be addressed. 

As for me, I need all interest charges waived on this phantom account ending in XXXX. I need the account closed. I need a paper statement of all charges so I can see what was fraudulent. I also need all Citi account linked to my SSN closed. I just can not trust them any more.
Product: Credit reporting or other personal consumer reports

Please note that I am the author of this complaint and all attachments. I have attached a copy of my driver 's license and my social security card to verify my identity The credit bureaus have violated 15 USC 1681i and 15 USC 1681e. 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. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute. 

The furnishers are in violation of 15 USC 1681s-2b " ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. '' After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, and XX/XX/XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.