23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX when calling, again, to resolve the outstanding balance, I was transferred to another service department. After the transfer, I was told that I had insurance in place for my account which is referred to as Account XXXX. Then given a an XXXX number to call, XXXX. When I called that number, a woman named XXXX answered and told me that the account did, in fact, have account assure in place. She then proceeded to ask me very detailed information regarding the issues regarding payment, medical information, employment, periods of unemployment, and a history of the last several months or when any of these issues would have started. AFTER giving her this information, the woman then said, no, you dont have this service on your account and it was removed in XXXX of XXXX. 

When calling back to get the balance due and resolve the problems with the account, the excessive fees associated with the account because of the account assure not being applied to the account in XXXX of XXXX - I was hung up on several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also + states a consumer reporting agency can not furnish a account without my written instructions.

45.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an XXXX open end consumer credit plan as late for an purpose. 
XXXX
Product: Credit reporting or other personal consumer reports

XXXX refuses to report my on time payments to the credit bureau despite my reaffirming account debt during a XXXX  XXXX bankruptcy. They never reported in the 3 years that I have been paying my mortgage. They're sabotaging my credit score. They tried to charge me bogus and unfair charges in the past, so I wouldn't have chosen XXXX. However, they bought my FHA mortgage from XXXXXXXX XXXX XXXX Please help me. They said that it's not their policy to report to credit bureaus. I think they are discriminating against me, and probably others with FHA mortgages. I also have OhFA second mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted tall XXXX credit bureaus to have them fix my XXXX XXXX. I have XXXX good payments and I am at a XXXX! I am supposed to be in the XXXX range. XXXX is totally inaccurate! I ask that this be fixed immediately.
Product: Debt collection

I was promised that this account would b eremove from my credit if i pay it. i did and they did not remove it
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX, XXXX. I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which is in XXXX XXXX XXXX I am writing this complaint as a Notice of a request for material disclosures, which were not delivered to XXXX XXXX XXXX, XXXX. This information was omitted, and is now being requested. I, XXXX XXXX XXXX, Consumer, am requesting the XXXX form that was used to verify the identity of XXXX XXXX XXXX XXXX and a copy of the XXXX form. XXXX XXXX XXXX, is furnishing inaccurate information onto the consumer reports of XXXX XXXX XXXX, severely oppressing and harming the financial reputation of said XXXX.
Product: Vehicle loan or lease

Ally Financial ( Ally Auto ) ( Ally Bank ) ( Ally ) provided me with an address to send my refinance check and then claimed to have never received it after repossessing my vehicle on or near XX/XX/XXXX. Two months later I was able to receive a second refinance check from XXXX XXXX XXXX XXXX ( XXXX ) and was provided a different address to send it to by Ally, Ally refused to cash it, I then received a third refinance letter from XXXX and Ally cashed the third check and proceeded to tell me that I owed {$5000.00} for the repossession charges. On or near XX/XX/XXXXI was able to have Ally fully paid off and requested my title and paid in full letter. A month went by and I saw nothing so I called Ally at which time Ally informed me that they had no record of me ever having a loan through them ( this has happened multiple times ). It has been 6 months since Ally was paid in full and I do not have my title nor my paid in full letter and as such XXXX has converted my auto loan to a signature loan and raised my interest rate
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute fraudulent charges on my account, XXXX XXXX XXXX, LVNV FUNDING LLC, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX. I am a victim of identity theft, and did not make these charges nor did I authorize or approve these accounts to be opened. I am requesting for these accounts to be removed immediately.
Product: Debt collection

XXXX XXXX XXXX doesn't exist. Company was notified numerous of times concerning this matter.
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. 
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. 

I looked at my TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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

I have filed a complaint with the FTC in regards to unregognized inquiries on my credit report. The inquiries in question are XXXX XXXX XXXX Georgia XX/XX/year> with XXXX and the Inquiry from XXXX on Transunion on XX/XX/year> 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/XXXX, I attempted to get my free annual credit report. XXXX was successful, EQUIFAX SAID THEY COULDN '' T GIVE ME BECAUSE I ALREADY GOT IT! Not true! In fact, My last report pull was XX/XX/XXXX. 

EQUIFAX refuses to answer their phone lines and has no place for me to resolve what's going on. I suspect my acct was compromised because I received an alert email from XXXX  earlier this week. I am concerned! I want immediate access to my report, want to confirm my credit freeze is still on from this unethical, loose company. And yes, my account was part of the breech. 

These company 's should be prohibited from gathering and maintaining my personal info, especially when there is no way to access or fix their numerous errors. I am being impacted without my consent. Break them up. Demand they staff and answer phones. 

PLEASE, PLEASE, PLEASE - I need a copy of my credit report ASAP. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX continue to show inquiries on my report that I did not consent to, nor benefit from. Block and remove them.
Product: Student loan

I have attached my complaint as pdf because the text does not translate in a readable format here. Supporting documentation has been added to the pdf and bookmarked for ease of reference.
Product: Checking or savings account

On XX/XX/XXXX in the morning I received XXXX text messages From Santander bank asking if I authorized purchases. I work for the XXXX XXXXXXXX XXXX XXXXXXXX and do not have my phone out. I did not see the messages until the afternoon. By that time my account was emptied and I was XXXX overdrawn. I went straight to the bank and filed a fraud claim. A few days later I filed a police report. The money was used at XXXX XXXX who can see my stolen card info was used to purchase XXXX plans. They would not cancel the accounts because the accounts were not in my name. They gave me the first name of the account holder, XXXX. My daughter blasted both Santander and XXXX XXXX on social media and XXXX from Santander 's social media department got in touch. He suggested reopening the claim and he would be able to help. I did and that was also denied. I sent an email to both XXXX XXXX and XXXX XXXX, both CEO 's from Santander. It took awhile but finally I received a call from their executive office on XX/XX/XXXX. Today I received the news that the bank is not taking responsibility for not freezing my account when they did not receive an response from the first text. I was made to feel that it was all my fault. I have talked to family and friends who bank at other banks and their banks do freeze their accounts until they hear from the customer. Thank you for taking the time to read this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account with XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting XXXX  % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within XXXX  days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights wont be violated again due to my lack of consent.
Product: Mortgage

I have been called and send letters that I missed my XXXX XXXX XXXX house payment. Yet they cash the check on XXXX XXXX and on XXXX plus called I have been treated very rude and nothing is being done to resolve my issue. I have faxed them the cancelled check and they still demand another check. The entire staff I have talked to XXXX and they will not listen and hang up or put me on 30 or more minutes hold. They are not trying to resolve my issue and I have paid and they are threathen me with bad credit and late payments even while they have process my check.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports for Experian, XXXX, and XXXX all show that my student loans were 90 days late as of XX/XX/2017. However, they also show that in XXXX and XXXX, the accounts were in good standing. I have disputed this with all bureaus numerous times and still they have not fixed these errors. My loans were in forbearance then in deferment so my payments were never late. I tried to dispute these errors again and the website would not allow me to submit a new dispute.
Product: Credit reporting or other personal consumer reports

XXXX AND EXPERIAN ARE REPORTING INACCURATE INFORMATION!
Product: Mortgage

On XXXX I made a payment for {$200.00} with US Bank. The agent that I made the payment with led me to believe that that it also covered payment due for XX/XX/2023 and the next payment due was for XX/XX/2023. However, when I called today, I was informed the account was 30 days past due. I will be making a payment to bring the account current on Monday XX/XX/2023.
Product: Credit reporting or other personal consumer reports

Unauthorized or fraudulent inquiry. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX . Never show account number I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including XXXX and Experian. 
Recent Lawsuit Findings : In separate rulings, courts have determined that XXXX and Experian failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that may directly impact the accuracy of reports like mine. 
Consumer Reporting News : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of XXXX and Experian have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes. 
Under the FCRA, I am requesting : Immediate investigation into the disputed items listed above. 
Removal or correction of the inaccurate information. 
An updated copy of my credit report reflecting these corrections. 
I have attached copies of supporting documentation to aid in your investigation, including : A copy of my credit report highlighting the disputed items. 
Documentation supporting my claim of inaccuracy. 
Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law. 
Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I have attached a personal description of what happened. I have reported this twice now to all three bureaus with no remedies. I need help. Please assist me. I could only choose one option but this has cost me, a single parent, with no family, a very promising offer due to this reporting. I need this remedied. This is not right. All of the careers roles I am seeking require a credit check. With this incorrect information fix, I will not be able to succeed in attaining a job and it already caused one employer to rescind their offer. I desperately need help getting these agencies to cooperate.
Product: Debt collection

This company sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL. I know the person that lives there and the person gave me the letter today. I asked Midland Funding to STOP sending me letters threatening me with a lawyer or possible lawsuit. My identity was stolen and I dont have any account with XXXX XXXX. The person who opened the account put a different name, MY NAME IS NOT XXXX XXXX XXXX ; that means that is not mine and I didnt authorized it. Moreover, Im asking this company to STOP any type of communication with me or my family member before I put a lawsuit against them for harrasing me. Lastly, this company has a lawsuit against them for signing affidavits illegally and fake.
Product: Checking or savings account

Wells Fargo continuously charged me overdraft charges of {$45.00} when I had made deposits. If the date of a check was even remotely close to the date I made a deposit, despite there being money in my account, they would charge me an overdraft fee of {$35.00} or {$45.00}, often twice. They would charge me an overdraft fee if my account would borrow from another account of my own that they pressured me to open, but that I did not need. So every time my main account would get down to XXXX  it would automatically transfer money from the other account and then would charge me a fee for doing so. These fees were {$25.00} every time for transferring my own money to my own account. Many times I was charged over draft fees for Online charges I did not authorize.
Product: Student loan

I enrolled in a program through my employer XXXX XXXX to get on a plan where my employer would pay $ 100 monthly specifically to my Principal balance on the designated loan XXXX XXXX XXXX monthly as long I am in good standing monthly for this loan. The funds have not been getting applied correctly. So far XXXX XXXX has made two payments for {$100.00} one on XX/XX/2021 and one on XX/XX/2021 for both the months of XXXX and XXXX respectively and XXXX XXXX did not post the funds to the Principal balance of this loan as requested. 

I called on XX/XX/2021 initially since the {$100.00} for the month of XXXX was not applied to principal only for loan XXXX XXXX XXXX. I requested that this be adjusted. The customer service agent stated they submitted a request to have this updated and said it would take a few days. The customer service agent also stated that they would make sure that the loan is notated so that funds are applied to the loan 's Principal each month, this did not occur and I had make a second call on XXXX since the correction was not completed. I was told the it will be corrected as before on XXXX call, but this request was not fulfilled. 

I called again on XX/XX/2021 and customer service acknowledged that the adjustment requests were not completed properly and neither one of the {$100.00} dollar transactions were posted to Principal correctly. She stated that she would do a special request to make sure that both instances of {$100.00} for the months of XXXX and XXXX are adjusted and posted to principal only to this loan. She also suggested I ask to see if my employer can address the payments loan moving forward. I agreed, though I was very annoyed because when I set up the program I was asked which loan to apply the funds to initially, which I provided. 

I am still very frustrated that I had to make 3 calls and this point in time, with my funds still not being applied correctly. Funds were not applied to the Principal balance as agreed and I had to call several times and there still no resolution. Please address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified company several times via phone and was told they couldn't find any account in my name. Phone conversations were done in XX/XX/2023. On XX/XX/2023, they finally gave account number and last 4 digits of credit card used to make payments. I have explained that I never opened an account with them nor do I recognize the account on my transunion credit report. I have since frozen experian, XXXX, and transunion credit files. Account was opened on XX/XX/2023 with a balance of XXXX. Name of company is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

My mortgage company Select Portfolio Servicing has reported my mortgage payment as 30 days late. I have not missed any payments and I am not 30 days late.