23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XXXX XXXX I sent letters to all three bureaus challenging information on my credit report that did not belong to me. I called each bureau in XXXX. I can remember the exact day and stated that it has been over 30 days and I haven't heard anything about my disputes. Each bureau told me that do to covid that they have 45 to 60 days. Due to the holidays it slipped my mind that had still not heard anything back about my disputes. I seek out legal advise and was told that I should submit a complaint with the CFPB and that if this did not resolved issue. I explained to attorney that the stuff that was on my report was not stuff authorized or belonging to me and that I'm known victim of Identity theft. Everytime it's time for me to renew my permit in the field of work I do I have to jump through loops to prove who I am. I need the items I'm challenging remove asap.
Product: Credit reporting or other personal consumer reports

In my last Dispute to the credit bureau Ive given a warning notice that bureaus are not in compliance with the law in truth in lending by reporting non public information like transaction history which is illegal via U.S. 1681a I have also sent opt out letters to creditors that are reporting negative information to Credit bureaus credit bureaus are in major danger of Fraud and bad business practices as that are allowing information I opted out from to be reported on my consumer report I have now even opted out of Equifax, XXXX, XXXX and XXXX for ever disclosing non public information and transaction history and will show proof of opt out below bureaus have one final chance to remove 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
Product: Credit card or prepaid card

They reported charges back in XX/XX/2021, but they didn't remove them. I inquired again and asked why but not they are telling me I've passed the terms of reporting fraud so they are making the changes permanent. They have removed charges older than 6 months in the past with no problem and now refuse to take them off. Case XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have yet to received your correspondence on this alleged account stating your ( verified or updated ) these accounts obviously you didnt give XXXX and did NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account from a Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, credit bureau 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 emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$500.00} ; CAPITAL XXXX XXXX Balance : {$760.00} ; XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e '' .THE LARGE DEBT CAN NOT BE VERIFIED XXXX  I HAVE YET TO RECIEVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Product: Debt collection

The company contacted me about an alleged debt stating I owed a medical facility a bill. I responded stating not only was this a time barred debt, but that they did not confirm they had the correct person. I said do not contact me. Then they didn't provide any proof of the correct person. Further, they placed the debt on my credit report without confirming they had the right person and said it was disputed by the consumer. Further, they placed it on my credit report as if the debt happened in XX/XX/XXXX and allegedly it happed in XX/XX/XXXX. 

I have since submitted disputes on my credit report, however, the fact that they are so concerned about getting payment for a debt that is not legally enforceable and lied to say it was recent when it was over 6 years old to t get it on my credit report before the 7 year window expires is fraud.
Product: Vehicle loan or lease

On XX/XX/XXXX I called Acura Financial to dispute a {$410.00} upfront tax assessment charge on my monthly statement as the statement also showed a {$310.00} tax credit. In addition I received a letter from Acura Financial Services explaining the tax charge and stating that I only owed {$95.00}. After speaking with the representative, he said he would escalate and call me back. I missed the initial call back, however, I returned the call on XX/XX/XXXX, and spoke with a second representative who after speaking with me placed me on hold so he could escalate the matter. I was on hold for over an hour and then the line disconnected without resolution. I called back two hours later and spoke with a third person who after speaking with me stated that she would speak with the previous person to identify what was done. After being on hold for over another 90 minutes the call was once again disconnected without any resolution. I immediately called back and after expressing that I was frustrated and preferred to speak with a supervisor who could actually resolve the problem the inidividual hung up on me. At this time I'm filing a formal complaint and only seek for the tax assessment charge to be corrected to the {$95.00} which I actually owe and paid on XXXX and have the remainder of the incorrect {$410.00} removed.
Product: Credit reporting or other personal consumer reports

I have submitted documented proof that provider of bankruptcy information for Equifax XXXX didn't furnish bankruptcy information nor did the U.S. Bankruptcy court, XXXX has submitted ( XXXX ) manual disputes with Equifax detailing bankruptcy # XXXX XXXX XXXX XXXX isn't in the XXXX database and should be removed off credit report. Same information was given to XXXX and XXXX and bankruptcy information was deleted off report per THE XXXX report. If Equifax continues to keep information on report they need to provide the TRUE METHOD OF INFORMATION. 
I have included letter from the U.S. bankruptcy court showing they don't provide info to the consumer credit bureaus, credit report from XXXX proving above bankruptcy doesn't exist on report and letter from XXXX stating they are the bankruptcy information provider for Equifax.
Product: Debt collection

XXXX issued a loan governed by XXXX XXXX XXXX and XXXX in XX/XX/XXXX. XX/XX/XXXX I defaulted and XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX, holding the debt instrument promissory note filed a breach of contract claim and were awarded on XX/XX/XXXX a money judgment for the damages. XXXX  ' money judgment collection remedies governed by XXXX  XXXX XXXXXXXX XXXX XXXX XXXX ( a ) ( XXXX ) ; and Md XXXX XXXX permitted the following discovery, garnishments, and bank levies. In XXXX, XXXX assigned and recorded the deed of trust without the money judgment to XXXX XXXX  XXXX, XXXX, then to Trinity Finacial Services, LLC in XXXX. XX/XX/XXXX Trinity file an order to docket with the promissory note and deed of trust as verified lien instruments and foreclosed on XX/XX/XXXX. I appealed and before the appellate opinion was issued Trinity on XX/XX/XXXX dismissed the foreclosure case. Trinity, after dismissing the case attempted to access my credit XXXX times using false authorizations, XXXX times with false documents and a third time claiming to be me. On XX/XX/XXXX, XXXX XXXX, XXXX for XXXX XXXX XXXX, XXXX motioned to vacate Trinity 's dismissal entered XX/XX/XXXX by XXXX XXXX, XXXX, XXXX and reopen to proceed as an invalid foreclosure noteholder purchaser. XX/XX/XXXX, the trial court granted reopening. I appealed the second time. Trinity is unlicensed, held invalid assignments, filed invalid lien instruments, held a void ab initio foreclosure sale, appointed invalid substitute trustees. The money judgment expired XX/XX/XXXX rendering the money judgment debt extinguished.The money judgment superseded the promissory note extinguishing the prior contract obligation. The deed of trust separated from the promissory note or other debt instrument renders the deed of trust unenforceable. The XX/XX/XXXX action filed against the XX/XX/XXXX defaulted and unenforceable deed of trust was not filed within the XXXX  year period pursuant XXXX  XXXX. XXXX XXXX, XXXX, counsel for substitute trustees collectively are in the shoes of the processors further attempting to enforce collecting debt I do not owe for the invalid foreclosure noteholder purchasers, XXXX XXXX XXXX, XXXX. Shifting substitute trustees are as follows : XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX. Shifting lenders are as follows : Trinity Financial Services , LLC, XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, unauthorized inquiries are being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has 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, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are 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 Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX 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

I found some one used my personal information and open credit accounts
Product: Checking or savings account

I, XXXX XXXX closed a checking account from XXXX XXXX in 2017 with no pending charges or balance. On the consumer report from EarlyWarningSolutions the account reported as Unpaid and states a principle loss of {$15.00} which the bank directly can not confirm this charge. On the consumer report also states a fee reversal of {$370.00} which is incorrect or invalid. Contribution Ref # : XXXX.
Product: Debt collection

I received a letter from Fiserv dated XX/XX/year> stating they could not process an online bill pay I made to my credit card on XX/XX/year>. I used my bank 's online bill pay service for the first time on for this transaction. The letter stated it had frozen my account and I needed to call to reinstate services. The number called was XXXX. I provided the information requested by the prompts ( SSN and account number ), was told someone would come on the phone to help but the line went dead. The letter stated fees would be deducted from my account to pay for the transaction. The letter also stated it was an attempt to collect a debt which I do not owe to Fiserv, I do not know how they received my mailing address. 
The issue was an online payment to XXXX XXXX credit card for {$4600.00} withdrawn from my XXXX XXXX XXXX XXXX account made on XX/XX/year>. XXXX XXXX notified me by email that the transaction had been reversed. I emailed XXXX on XX/XX/year> to inform them of this issue and to ask them not to process any payments from my account to Fiserv. 
Other than the one attempt to call Fiserv at the number provided, I have not had further contact with them. I fear this is a scam and identity theft attempt from Fiserv. The address for the company on the letter is XXXX XXXX XXXXXXXX, XXXX Oh XXXX. 
































XXXX
Product: Credit card

I received a letter from Chase about my XXXX XXXX Credit Card. The letter stated that my account was closed due to " multiple fraud claims ''. I am a victim of ID THEFT and I sent over the police report to Chase fraud department. My card was stolen and there were fraud charges on my statement. I was told to speak with Chase executive office and was unable to contact them. I am requesting a reinastment of my account. I paid all all my bills on time and have great credit score and being a victim of fraud does not necessitate a closure of account.
Product: Prepaid card

I have XXXX separate {$250.00} Visa prepaid cards through giftcards.com. I had forgotten about them, and when I logged in was disappointed to see I had lost value due to dormancy fees. This was unfortunate, but upon closer inspection I noticed XXXX separate dormancy fees of {$4.00} were charged within XXXX weeks ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) on each of the XXXX cards. I asked for an explanation and received no reply.
Product: Credit reporting or other personal consumer reports

I previously submitted complaints to cfpb on XX/XX/year> about this inaccurate account, XXXX XXXX, no account number given, that is incorrectly showing on all three reporting agencies. My claim numbers are as follows : XXXX XXXX Experian XXXX XXXX XXXX XXXX Prior XXXX XXXX above-mentioned complaints, I had contacted all three credit reporting agencies twice regarding this inaccurate XXXX  account, making the XX/XX/year> cfpb complaint my third attempt to correct the inaccurate information. 

Each time I have contacted these three credit reporting agencies, I have provided all proof that XXXX XXXX never validated this debt. 

As of today, XX/XX/year>, the inaccurate account in question, XXXX XXXX, has been updated to closed with a balance on XXXX and XXXX XXXX. This is still incorrect. 

Experian is still showing the XXXX account as a current open collection account. 

The reported information is not consistent with all three agencies, and XXXX XXXX has also never proved that they ever validated this debt. 

I am again, for the fourth time now, providing proof that XXXX XXXX never validated this debt. All proof of what I have said above is attached. 

Because of the reasons mentioned above, all credit reporting agencies must delete the XXXX XXXX account from my credit report. 

Thank you for your prompt attention to this matter.
Product: Bank account or service

To : Santander Holdings USA , Inc. 


Complaint ( Pre-settlement notification ) 1. I am filling a formal complaint after previous unsuccessful attempts to solve the issue over the phone with a call center operator. I am copying the Consumer Financial Protection Bureau responsible for supervision and enforcememnt of federal financial consumer protection laws. 

2. At the opening of my account with your representative XXXX XXXX XXXX at a branch located at XXXX XXXX, XXXX, NY, I expressly rejected to consent to overdrawing and any fees associated with overdrawing. I made such a decision on purpose in order to avoid unintentional overdrawing and fees commonly associated with it. Therefore, I assumed that overdrawing from my account was not possible under any circumstances. 

3. On XXXX XXXX 2014 I deposited a check of XXXX USD issued by a third party. Consequently, I conducted XXXX transactions totaling XXXX USD. At that point I was not aware of the fact that the check had not been deposited to my account, as the Bank had not notified me that the check was not valid due to the issuer fault. Moreover, the Bank did not notify me that the account balance was not sufficient to cover the concerned transactions. The Bank charged me XXXX USD per each transaction, in total XXXX USD as an overdraft fee. This means that the Bank let me overdraw my account without notifying me of the failure to deposit the check and without my previous consent the Bank charged XXXX USD overdrawing fee. Furthermore, as a consequence of the previous, the Bank closed my account and claimed the fee thus effectively preventing me to settle the balance. 

4. I would like to emphasize that pursuant to law banks are required to disclose any fees when the deposit account is established and they may not assess an overdraft fee on an ATM or one-time debit card transaction if the account holder did not affirmatively consent or agree to the fee. I claim that these conditions have not been yet, particularly as I have never provided any consent. 

5. Therefore, I request cancelation of XXXX USD overdraw fee and notification of the payment method to settle the outstanding XXXX USD claim. 

XXXX XXXX
Product: Checking or savings account

XXXX XXXX Me and My girlfriend with signee on the account Deposited XXXX in atm Never received receipt or money showing in account inside the branch immediately once got to the teller told them what occurred and he provided me with an atm terminal number was told to call the XXXX customer service. 
Once called customer service I filed claim. 
By XX/XX/XXXX Monday still no results I called back to customer service and was provided a claim number then proceeded back to the branch asked to speak with manager ( XXXX XXXX ) file complaint about the atm machine and also regarding the claim then the manager called the XXXX customer service number what was told me this will be moved to high priority. 
Wednesday XX/XX/XXXX still no money in account I called back customer service was told I should see funds within 24hrs and if not to call back. 
XX/XX/XXXX Called back to customer service explained to call back if no funds in 24hrs I was told then I should it was approved should see funds within 1-2hrs asked again to confirmed I heard correctly after 3 hrs passed no fund call back to customer service first rep was not explaining well I asked to speak with supervisor cuts me off to say there was no money found. From call back to branch spoke with same branch manager he stated they have looked in atm machine and will tonight and apologize for the miss information from back office. 
XX/XX/XXXX temporary credit was issued. 
XX/XX/XXXX credit was taken by me XX/XX/XXXX credit was reversed sent account in overdrafXXXX XX/XX/XXXX - Stated no money was found and sent email to manager and opened 2nd investigation. 
XXXX Manger stated some money was found but not all XXXXagent states no money at all was reported Bank Manager- XXXX XXXX XXXX log : - [ ] XX/XX/XXXX - [ ] XX/XX/XXXX and in person - [ ] XX/XX/XXXX - [ ] XX/XX/XXXX and in person - [ ] XX/XX/XXXX in person - [ ] XX/XX/XXXX and in person
Product: Credit reporting, credit repair services, or other personal consumer reports

THE LISTED ACCOUNTS HAVE BEEN REPORTED INACCUATELY ACCORDING TO 15 USC 1681E ( b ). ALL OF THE ACCOUNTS, ADDRESSES AND INQUIRES ARE UNVERIFIABLE ACCORDING TRO 15 USC 1681 I ( 7 ). THE ACCOUNTS LISTED HAVE NO CONSUMER CONTRACTS BINDING FOR PAYMENT. DELETE THE FOLLOWING INQUIRES 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 PLEASE DELETE ALL OF THE ACCOUNTS ADDRESSES AND INQUIRES LISTED FROM MY CONSUMER REPORT THEY ARE UNAUTHORIZED BY ME AND IN VIOLATION OF MY RIGHTS AS A CONSUMER 15 USC 1681b I ALSO FILE A IDENTITY THEFT REPORT # XXXX ON XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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: Vehicle loan or lease

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX # 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 section 2 : it also states a
consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you