23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was receiving calls from Comenity Bank on my home phone and cell phone. I believed those to be annoyance calls and blocked the caller. I started to get concerned when my son-in-law was contacted by this bank and didn't know how his name or number was linked. I finally took a call from this bank and was told that there was a delinquent account that was opened in XX/XX/2021. I ran a credit report and saw an entry from a credit card that was opened with a {$17000.00} credit line in Missouri. There was an address on the residence information that was listed as the most recent address in XXXX. It was not my address. The other addresses listed were mine and I have been in XXXX  for the past 10 years. All of my active credit cards and utilities are tied to this permanent address with a XXXX  zip code. I have talked to the Comenity Bank fraud division and they said that this looks like fraud and they will investigate. They will be contacting me in the next 90 days by mail or call if they need additional information. The current balance on the outstanding account in about {$17000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed 3 letters on two closed accounts with XXXX XXXX. One account for Limited and one for XXXX XXXX. Letters were dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All letters went unanswered from XXXX XXXX  and the credit reporting agency XXXX. 

XXXX XXXX  XXXXXXXX  is a closed account showing the last payment XX/XX/XXXX. It has been 11 years and according to FCRA accounts should not report longer than 7-10 years. FCRA also states any items disputed must be answered within 30 days or be removed and it has been over 90 days since my first letter with no response. How was this dispute validated if no response was given- a direct violation of FCRA. 

XXXX XXXX  XXXX XXXX is a closed account showing the last payment XX/XX/XXXX. It has been 8 years and according to FCRA accounts should not report longer than 7. FCRA also states any items disputed must be answered within 30 days or be removed and it has been over 90 days since my first letter with no response. How was this dispute validated if no response was given- a direct violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized credit inquiries made by the following companies : ( 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 XXXX XXXX ) XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition I did not give XXXX permission to furnish this information onto my credit report. This is a violation of the FCRA Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights under the No Surprise Act of 2022. 
I have asked this company to Validate this information to better help fix this in which they have failed to do so and simply " Updated '' on my report. I have not received any documentation showing my signature giving permission for any of these inquiries.
Product: Mortgage

We were in the process of buying and selling a home, and XXXX was the lender for the buyers of our property. Our closing was scheduled for XX/XX/year>, but the Closing Disclosure wasnt sent out in time to meet the required three-day period. As a result, we, as the sellers, had to cover a {$500.00} cost for rent-back on the home we were purchasing by closing on XX/XX/year>. We requested reimbursement from XXXXChase Bank due to their mistake, but they refused to offer any concessions and only apologized. Its frustrating that, while in the midst of purchasing a home and already being financially stretched, Chase Bank wouldnt cover the {$500.00} caused by their own error, and make things right.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters
Product: Credit reporting or other personal consumer reports

Shopping Mortgage rates. I was reviewing my credit report. While reviewing my report there were numerous credit inquiries from a company XXXX, XXXX, and XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander is falsely reporting a paid off account 's status as currently in collections/charged off/referred to collections when the actual current status is paid. 

The current payment status for Closed and Paid account # XXXX was being erroneously reported as 120+ days late with XXXX and XXXX so I disputed it since the account was paid in 2016. In response, Santander recently maliciously changed that 120+ late status on the paid account to currently a BAD DEBT IN COLLECTION/CHARGED OFF to get my much better credit score to immediately drop from the supposed " new delinquency '' when it should reported as PAID/SETTLED. 

Santander is attempting to keep the false Current Payment Status on my credit reports as negative as possible while placing the actual current status that it was paid /settled collection way down on the report as a comment/note/remarks section instead of correcting the Current Payment Status to PAID/SETTLED FOR LESS THAN BALANCE. Accurate reporting is required under the Fair Credit Reporting Act 5 U.S.C. 1681 and that means a certain level of above board transparency about what the current status of the account is. No money is due or has been due for 2 1/2 years now and never will be again, yet they are pretending that the current status of the account field is for stating what had happened with the account instead of its actual current disposition. This is illegal. 

Instead, Santander continues to reporting the CURRENT PAYMENT STATUS as a CURRENT BAD DEBT REFERRED TO COLLECTION, IN COLLECTION/CHARGEOFF or as CURRENTLY 120+ DAYS LATE, which is inaccurate and in contravention of the requirements of the Fair Credit Reporting Act 5 U.S.C. 1681. The account is not currently a bad debt, in collections or referred to any agency because it was settled and paid. This error needs to be corrected immediately. 

I am requesting that this item be either deleted or adjusted to accurately reflect that the CURRENT PAYMENT STATUS is PAID or SETTLED in order to adequately reflect my true credit history and final disposition on the affected XXXX and XXXX  reports. 

Both of our records ( mine and Santander 's ) reflect that this account was PAID/SETTLED in 2016 and that the title of the vehicle was released to me free and clear. The vehicle was later sold with a clean title and I have records of the bill of sale. 


***Documents Attached*** - Not for Posting Examples from credit reports of how Santander is falsely reporting my paid account # XXXX on my credit reports. 

On XXXX, Santander changed the false report of it being currently 120+ days late to a Current Payment Status of " in collections/charge off. '' On XXXX, Santander reported the Current Status as a current Charge Off/Referred to Collections making it appear new
Product: Checking or savings account

Deposited a check for XXXX  $ on XX/XX/XXXX, bank put it on hold until XX/XX/XXXX. Asked them to release at least part of it and got declined
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Notice to Principal is Notice to Agent, Notice to Agent is Notice to Principal Subject : Demand for Removal of Charged-Off Accounts from Credit Report and Credit Profile To Whom It May Concern : I am writing to demand the immediate removal of any and all reporting charged-off accounts from my credit report and credit profile. Upon review of my credit profile and most recent credit report, I have noticed that these charged-off accounts are inaccurately reflected, and I am demanding their suppression and deletion based on specific legal grounds. According to the Internal Revenue Service ( IRS ) guidelines and federal case law, charge-offs are considered taxable income. In accordance with federal taxation statutes and established case law, income is defined as an accession to wealth, clearly delineated under the Sixteenth Amendment of the United States Constitution. Furthermore, case law, such as the landmark Supreme Court case Commissioner v. XXXX XXXX XXXX ( XXXX XXXX XXXX ), solidifies the principle that income encompasses any accession to wealth, regardless of source, and is subject to taxation unless explicitly exempted by law. Given the aforementioned legal precedent and IRS classification of charge-offs as taxable income, it is evident that reporting charged-off accounts as part of one 's credit profile is erroneous and misleading. Charge-offs do not reflect ongoing financial obligations or active credit balances but rather constitute a tax consequence that is separate from the creditworthiness of an individual. I am hereby demanding that the charged-off accounts listed on my credit report be promptly suppressed and removed in adherence to federal law and the established legal understanding that charge-offs should not be part of one 's credit profile due to their classification as taxable income by the IRS. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to ensure the accuracy and fairness of the information contained in consumer credit reports. As such, I expect your agency to take immediate action to rectify this discrepancy and expunge the aforementioned charged-off accounts from my credit report within 30 days of receipt of this letter. Failure to comply with this request within the stipulated timeframe will leave me with no choice but to pursue legal action to enforce my rights under the FCRA and seek remedies for the inaccuracies present in my credit report. I appreciate your prompt attention to this matter and expect a written response confirming the removal of the charged-off accounts from my credit report within the specified timeframe.
Product: Checking or savings account

On or about XXXX, after receiving documents from XXXX XXXX regarding a file company against Bank of America, one personal signature statement was presented along with a copy of a cashed check that was unrelated to accounts in questions. I reviewed the documents and found that the personal signature statement contain a name and address of the bank representative ( XXXX XXXX XXXX XXXX XXXX  in XXXX , Tx ) ph # XXXX. I proceed to go to Bank of America at that location. I spoke the the Branch Manager which, she was very helpful and had no knowledge of the person on the documents. She checked the transit numbers ( written across the XXXX TX XXXX XXXX ) on the check which was sent by XXXX XXXX with no match to their system. We also check the two the phone numbers of the transaction one for XXXX XXXX-ph number XXXX which, a man stated it was not XXXX XXXX and refused to disclose business. The other business was XXXX XXXX # XXXX which, was a good number but, no one could ID the activity. What's very odd was the signatures on the " Personal Signature Card '' The Printed Name was " NOT COMPLETED '', the Signature part was copied and " had Add-XXXX  '' and the DATE contained to MANY Numbers " XXXX. It appeared to be TWO PEOPLE WHOM attempted to sign the document for account ending with " XXXX ''. We looked at all 4 " Personal Signature Cards WHICH ALL CONTAINED DIFFERENT SIGNATURES. Accounts which utilized the Business Name contain No " IRS '' FEIN number or NOR utilizing the business email address. Some used the old school college account which, after school we never continue to get access too. After you graduate from COLLEGE the email access is REVOKED -- '' NO ACCESS ''. These Personal Signature Cards where VOID at time of Service due to the DATES or Not trying to check the signature cards on file which would have alerted the BANK THAT PROTENTIAL FRAUD WAS GOING ON. The Bank Records show this was also my husbands account which was transfer to the forged ( my name ) account number ending in XXXX. I Filed a XXXX Police Report for Forgery and had already filed fraud in XX/XX/2015. Please see the attachments..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have witness several inquiries on my credit report from XXXX, Transunion, and XXXX that were not created or authorized by myself. I have contacted each reporting bureau on XX/XX/2022 and shared my concerns. I have also placed a freeze on my credit report to stop further fraud opportunities. I was informed from an XXXX to create an FTC report and contact each company. I have contacted each company and all has refused to assist me with deleting these false inquiries. I will list the companies below XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX  XXXXXXXX XXXXe To, XXXX XXXX XXXX XXXX
Product: Debt collection

I have pulled my credit reports on XX/XX/XXXX and to my findings there was this collection agency name Real Time Resolutions reporting negatively to credit bureaus XXXX  and XXXX in the amount of {$2200.00} claiming that I took out an installment loan fro a company called XXXX XXXX XXXX in the amount of {$1700.00}. Ive sent request to Real Time Resolutions for VALIDATION of the information they are submitted to the credit reporting agencies. In return they sent me a verification of bills they supposedly sent me in XXXX to an address that I have never lived at which is on XXXX XXXX XXXX XXXX XXXX SC XXXX but they never VERIFY the debt. I never receive a notice nor do I know about this debt. The VALIDATION I expected was proof of an agreement, my signature and any other LEGAL proof that I took out the alleged installment loan with XXXX XXXX XXXX and they fail to do that. I ask that this company cease reporting to my credit report and have it remove 100 % ASAP. I do know my rights and they are in violation of Section 609 of the Fair Credit Reporting Act. They failed to provide a copy of the original creditor 's documentation. The documents attach is what they sent to me after requesting validation of this debt.
Product: Credit card

I was charged multiple times from XXXX as these charges were not authorized. I notified them that my credit information was compromised. I sent them a letter certifying that I have not authorized all the charges on my credit card.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXXnder 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXXXXXX XXXX XXXX XXXXXXXX {$2200.00} XXXX XXXXXXXX XXXX {$2100.00} XXXX XXXX XXXXXXXX {$330.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$510.00}
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/year> RESURGENT LIVING FUNDING Dispute Regarding Disclosure of Nonpublic Personal Information RESURGENT LIVING FUNDING " To Whom It May Concern I am writing to formally dispute the disclosure of my nonpublic personal information in potential violation of the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802.

It has come to my attention that my personal information may have been shared with unaffiliated third parties without proper notice or an opportunity to opt out, as required under the law. According to 15 U.S.C. 6802 ( b ) : 1. Financial institutions must provide clear and conspicuous notice of their privacy policies and practices.

2. Customers must be given the opportunity to opt out of sharing their nonpublic personal information.

I believe that [ describe the issue, e.g., " I did not receive any opt-out notice, '' or " My information was shared without my explicit consent, contrary to the stated policy '' ].

I am requesting : 1. An explanation of how my nonpublic personal information was handled and shared, including a list of third parties that received my information. 


XXXX. Copies of the notices or disclosures provided to me regarding the institution 's privacy practices.

3. Immediate action to correct any violations, ensure compliance with the GLBA, and cease further unauthorized disclosures of my information.

If this matter is not addressed promptly, I may escalate my complaint to the Federal Trade Commission ( FTC ) or seek legal remedies to protect my privacy rights.

Please respond to this dispute in writing within [ 30 days or specific timeline ]. You may reach me at [ XXXX ] if further clarification is needed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint cash app ( block , inc ) due to inadequate customer service and unfair practices which violated the consumer financial protection act cfpa specifically cash app failed to take the timely and effective measures to prevent and address fraud on their platform leaving accounts vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act EFTA this actions has cost significant inconvenience and financial loss
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with TRANSUNION & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to OPEN/never late. This is a strict violation of Fair Credit Reporting Act sections XXXX, XXXX & XXXX. They have provided XXXX VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 

XXXX XXXX XXXX XXXX
Product: Debt collection

There saying I owe XXXX I dont have a loan for that much
Product: Credit card

I have been a credit card holder with Wells Fargo for XXXX  years. For XXXX years Ive never had to call or use my card to keep it open. I retain that card as an emergency resource, so why use it if its not an emergency ( stays locked in my safe ). I did call once to keep the card open but apparently its an annual thing. It would be as big of a deal, but a XXXX  year credit card getting closed resulted in my losing XXXX points on my credit score. This process is not transparent and for me borderlines unethical. I called to seek resolution but the company could care less about keeping the customer base.
Product: Checking or savings account

Currently on call with a representative name XXXX in member services who has not provided disclosure of phone call being recorded. XXXX has verified my account information XXXX different times additionally accepted XXXX different email address I could use to validate my account. Furthermore not stating why my updated email addresses are not valid addresses I can use for my contact email. Ive been on call over and hour now due to XXXX declining to update my account information with the correct email address. XXXX on call has literally stated I shouldve done this at the beginning of the call but I can transfer you to the specialty team. XXXX stated the account has been placed with the specialty team since been. XXXX refused to provide the formal job titles or department of the specialty team, definition of been also why was the account removed from member services with other similar accounts to a specialty team or why was the account reputed to a specialty team. XXXX refused to disclose why werent written disclosures mailed to the address on file when a transaction took place on the account XXXX has refused to update account contact information. XXXX has violated a number of my consumer rights and several violations of the FDCRA. XXXX has disregarded my right to privacy. XXXX has violated 15 u.s. code 1681- procedure in case of disputed accuracy. 15 U.S. Code 1681a- Definitions ; rules of construction. Ive requested that XXXX update my account information to a valid email address so I can rest assured my personal financial information is updated and secured. XXXX decline. XXXX refused to provide me further option but in turn disconnected the call.
Product: Credit reporting or other personal consumer reports

Someone had opened a XXXX  credit card under my name without my knowledge in XXXX XXXX but I never lived in XXXX XXXX. I never applied for the account nor allowed anyone to apply on my behalf. I found the credit card on the experian credit reports and disputed the unauthorized account last month through experian, but XXXX  XXXX and experian are refusing to remove the unauthorized account from my credit reports. I filed a police report for the unauthorized account, sent the police report to them but the XXXX XXXX and experian still refusing to remove the account from the credit reports. XXXX XXXX  case number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many inquiries which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any inquiries which are found to be opened due to identity theft. The dispute inquiries do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>