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

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Vehicle loan or lease

This loan was for a XXXX XXXX boat. Early pay off of the loan was made in XX/XX/XXXX. Santander Bank informed us they sent the title to our home by US mail. We did not receive this piece of mail. Several calls were made, it was suggested that there was a mail delay due to the holidays. We waited until mid XXXX, nothing was sent. When I call their main number our account is no longer in their system and their automated system will not direct me to a person or any way to resolve our problem. I found a number for their title division which directed me to call a company called XXXX On XX/XX/XXXX XXXX agreed to pay {$30.00} to this secondary company to resolve the problem and have a new title sent within 7-10 business days. On XX/XX/XXXX they contacted her to say that her name did not appear on the title so she could not request this information, but they would not refund the money paid for their service. They recommended a letter stating that XXXX authorized XXXX to make this request. This has been done. At the time of this call this secondary company stated now that they could only provide a letter of lean satisfaction and not the title that was suggested. Santander should be providing this at no cost from the start so we feel cheated that they direct us to use this second company to get this information. 
We paid off this loan in XX/XX/XXXX with plans to sell this boat to an interested buyer, we are unable to do this due to Santander Bank 's blunder and now our buyer has gone else where. We paid the loan in good time and we expect our title.
Product: Credit reporting or other personal consumer reports

On, or around XX/XX/XXXX, XXXX XXXX was an open fraudulent account. The account is now delinquent and is reporting negatively on my credit report. It recently was closed and still a derogatory mark on my credit report. 

On, or around XX/XX/XXXX, XXXX fraudulent inquiries ; from XXXX XXXX XXXX XXXX XXXXXXXX XXXX were reported on my credit report. 

On, or around XX/XX/XXXX, a fraudulent inquiry from XXXX XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/2019, a computer was purchased from amazon. The item was defective and returned 12 days after in XX/XX/2019 via XXXX with tracking number XXXX. The item was initially refunded and all was well. XX/XX/2019, the credit card was charged again for this item and that is when everything went downhill with chase. Someone had opened a dispute with them and they stated we had to submit tracking information for the return of this item. When there was no response they closed it in favor of the seller. We had no idea that there was even a dispute. The letter received was online and because we did not know there was a dispute, because neither of us recall contacting chase, we did not look at the online letters. If that was the case, we would have promptly provided the documentation needed to be refunded. After talking with amazon and chase for over a month because somehow, a dispute was reopened. Tracking information was provided again and on XX/XX/XXXX, we received another letter from chase stating the charge was valid. After speaking with XXXX with chase disputes in XXXX XXXX Texas, he stated that the charge was valid and deemed valid because the tracking information was not provided in the initial time frame on the initial dispute. Basically, after reopening the the dispute, the tracking information provided on the second time disputed was not looked at and that the only way that we can dispute this again is to write a written letter disputing it and why we are disputing it. This is for over 1000 dollars and tracking information as well as documentation from amazon and the seller provides proof that the charge is not valid. We were not asked to provide any other information this time other than tracking so if the tracking was not going to be enough, I should have been told this one of the 23 times I called about this dispute. This is an illegal practice and there is no legal way that this charge is even valid. Their process for determining that this is a legal charge is not right and should be corrected along with all the time and money Ive spent disputing this charge. The seller stated that the item was returned and that they refunded a smaller portion due to signs of use and the item was working which is not fair either because the item did not work. Regardless I dont have the item!
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 reporting or other personal consumer reports

This loan was associated with a XXXX XXXX XXXX  purchased from XXXX XXXX XXXXr dealer located in XXXX XXXX around XX/XX/XXXX. However, the vehicle never arrived. I never had possession of the vehicle. The vehicle is financed through XXXX XXXX XXXX XXXX. I never got insurance on the car because I never saw it in person. On XX/XX/XXXX, XXXX sent me a letter confirming that I am not responsible for this loan. Despite this information, the account is still being reported on my credit file, which is causing significant damage to my credit standing.
Product: Credit card or prepaid card

This bank is crazy Im a loyal customer with my macys and Bloomingdales I recently applied and was approved for my XXXX macys and they shut down everything and its not fair I want my accounts reopened the reason the letter makes no sense returned payments in last 6 months their is no balance and then I called the credit team they Sais Im right and these accounts shouldve never been closed they said their eligible to be Reinstated what they have done to me is wrong cut off my charging orivigled and these letters with the reason make no sense after a review of my account what review if I pay on time and this makes no sense they said their executive office closed my accounts and is blaming the credit team the number on the letter
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm Inc. and their debt collector XXXX XXXX is reporting inaccurately to credit reporting bureaus. 

In CFPB Complaint number XXXX Affirm Inc. agreed I was not responsible for a reported debt and agreed to remove their reporting from my credit report. They have not removed it and denied removal through credit report dispute process. 

Affirm 's response to previous CFPB complaint acknowledged the item is not mine, " Affirm records indicate that after additional review of your case, the Account XXXX team found you not responsible for repayment and sent you an email informing of this resolution on XX/XX/2022. The loan was labeled as unauthorized and will be removed from your credit report within Affirms next credit furnishing cycle, which may take between 30-60 days. '' Affirm has not honored their commitment to remove this unauthorized item from my credit report. It is causing significant damage to my credit history as it shows XXXX payment history and is reported seriously delinquent. This has caused significant financial hardship and threatens my XXXX security clearance and employment. 

I have provided Affirm Inc. a reasonable amount of time for this item to be removed. I have disputed the debt through XXXX providing Affirm 's own response from the previous complaint. Affirm is still refusing to remove this unauthorized item.
Product: Consumer Loan

Last year I sent a cease and desist letter to my lender. My account was in collections until I got my account current. Since XX/XX/XXXX, I was trying to reach someone because I want to settle the account. 

This credit line has almost 7 years and seems impossible to payoff. 

When I called, no one wanted to talk to me because of the cease and desist. Well ... I sent another letter, explaining and knowing that information can be given to me if I call. I know the law, I worked in XXXX. 

I requested to talk to a supervisor on XX/XX/XXXX, and I was told that she did not wanted to talk to me to " not waste my time ''. 

First, I was told that a contact number should be given, which I did in the letter sent on XX/XX/XXXX sent again on XX/XX/XXXX. 

Today, XX/XX/XXXX, I called again and I was told that a notarized letter was needed to talk to me. SERIOUSLY? I feel like some kind of racism here. 

Why so much trouble ot settle and account? 

The interest in this loan is extremely high. I talked once because I wanted to be explained how the interest was calculated because it was fishy to me that my account was over {$3000.00}. Never less. 

I know, that in all my years of payment even with the hardship program, I 've paid the debt.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018 my mother was contacted by Sun Loans as they were trying to contact me. Sun Loans asked her if she would be able to get a message to me. She asked what this is regarding. Sun Loans told my mother that I was past due on my payments. My mother asked what the balance is on the loan. She was told {$240.00}. My mother began asking questions about the loan and the balance due. She stated that she knew the company had garnished my wages and she didn't believe the balance should be that high. She thought it should be down around {$100.00}. She was told that the account had continued to accrue fees and late charges after the garnishment was stopped due to me no longer being employed with the employer. She was told my account is more than 60 days past due and in danger of legal action. My mother is not on the loan and none of the particulars of my situation should have been discussed with my mother. She should not have been given my balance or my credit information. My mother did end up paying off the loan during the call. She asked for the confirmation letter to be mailed to her as she made the payment. Sun Loans refused to mail her the letter even though she made the payment. They asked her to relay to me to give them a call to update my address so they could mail the necessary documents, payoff and payment confirmation, to me. My mother was never asked to verify her identity or my identity during the call. My private information was released without questions. When she asked them why they would release my private information and how did they even know who they were speaking with, XXXX, the manager with  Sun Loans in XXXX Illinois, said they have access to public information and knew they were talking to my mother. She told them they may know they called my mother 's number but they have no way of knowing who they were speaking with as they asked no questions about me in order to verify her identity.
Product: Money transfer, virtual currency, or money service

I use Zelle multiple times. And never had an issue except a few times and I was told they could not recover lost funds. In light of the lawsuit by CFPB I would like to bring my case in as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I believe Chase bank to be using deceptive practices with their ATMs to steal cash from people. On XX/XX/XXXX  around XXXXXXXX XXXX XXXXXXXX I attempted to deposit {$450.00} to a Chase ATM located at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX but the ATM did not credit the money to my bank account. The ATM showed an error on the screen and produced a receipt telling me to call a toll free Chase number ( XXXX ) XXXX to ensure that the money deposited to my account. I was surprised that the ATM machine did not show me a screen confirming the amount of cash that I inserted nor printed this quantity on the receipt. Frustrated, I went into the branch and asked the supervisor why the funds hadnt appeared in my account yet. She informed me that such errors do occur at Chase ATMs and to call Chases claims department to file a claim for the missing cash. This is the first time I have ever had an issue with an ATM in my life. 

I gave the Chase claims department the ID number of the ATM which the branch supervisor told me was XXXX and the Chase claims department asked me if this was in XXXX XXXX, FL. I repeated to them that this was in XXXX XXXX, FL and that I was concerned about leaving the branch without the money appearing in my bank account. The Chase claims department told me that I would receive a credit to my account within 2 hours and that the money would be credited to my account in 12 hours. Luckily, the credit did end up in my account as described. 
However, ATMs should not be taking peoples cash without 1 ) providing an on-screen confirmation of the amount inserted 2 ) giving the customer the option to recover their cash if the ATM has an error 3 ) printing a receipt with amount deposited. This the trustworthy and typical practice of ATMs per my lifetime experience. 

Furthermore, this complaint is to require more accountability that Chase bank employees are responsible for the banks practices! No employees accepted responsibility for Chases error, so I believe it to be a systemic failure of the bank as a whole to build trust with their customers making deposits. Chase branch supervisors should be able to resolve ATM issues by calling Chase leadership themselves instead of directing customers to do so. Otherwise, supervisors are simply a guise of accountability to customers in these circumstances.
Product: Debt collection

I requested the original credit application and copy of drivers license from portfolio recovery. Thier response said that they do feel the need to send me the requested information. I am legally entitled to request this information. Thier failure to provide me with this information that I requested is in violation of rights. Please remove this account from all of my credit files immediately.
Product: Debt collection

I placed order XXXX cell phone on XXXX/XXXX/2014 through web & I received the phone on XXXX/XXXX/2014. Then I returned that wireless device to local XXXX wireless in XXXX XXXX XXXX XXXX, TX on XXXX/XXXX/2014 within 14 days with restock fee {$35.00}. And I contacted XXXX Customer Service. But this company has afflicted me by continued attempts to collect debt I do not know. So I had called Customer Service a lot and I had spent my time too much. To make matters worse, I have had to be exhausted by XXXX debt collectors over 1 year and 4 months. Therefore I am claiming my case to CFPB. I still have a receipt to return.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This Collections account has been add to my credit report on the following date ( XX/XX/year> ) Since then the accounts have repeatedly been updated as collections every month. You guys verified & updated account on my consumer report, & in the payment history. A Collection account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX account name, and number XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account has violated my federally protect consumer to privacy and confidentially under 15 capital USC 1681. 


XXXX Account Number XXXX STATE OF CT DEPT SOC XXXX Account NumberXXXX 15 U.S.C 1681 Section 602 A. states that 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 your account without my written instruction.

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 items 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 the consumer to any consumer 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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1600.00}