23daVinci/CFPB_Complaints huggingface dataset:
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 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 a account without my written instructions.

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: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$660.00} 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, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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

I have disputed the following accounts with your organization and with the original creditors below. The creditors have failed to respond in the allotted time of 30 days as mandated by the FCRA. Certified letters were sent to the following creditors on the specified dates below : XXXX XXXX XXXX - Failure to respond to dispute ( Dispute Sent XX/XX/2018 ; Dispute Received XX/XX/2018 ) XXXX XXXX XXXX XXXX - Disputing all late payments reported on credit report ( Dispute Sent XX/XX/2018 ; Dispute Received XX/XX/2018 ) Copies of dispute letter and certified receipts of the above accounts are included with this complaint.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this follow-up complaint regarding the inaccurate and unfair reporting of a charge-off by Santander Consumer USA ( Santander ) , associated with **account number XXXX. Despite my initial complaint, Santander has failed to provide proper validation of this debt and has refused to remove or correct the inaccurate reporting on my credit file. 

Issue Summary : Santander claims that the charge-off balance of {$17000.00} is accurate, but they have not provided verifiable documentation proving the validity of this debt in accordance with the Fair Credit Reporting Act ( FCRA ). Instead, their response was a generic refusal to remove the account rather than a detailed breakdown of the alleged debt and its accuracy. 

Under FCRA 609 & 611, I have the right to request and receive full validation of any negative item appearing on my credit report. Their response does not satisfy this requirement, nor does it prove that all reported details ( dates, amounts, status ) are 100 % correct. 
Why This Reporting Is Inaccurate & Unfair : Santander did not provide full account validation. 

Their response letter merely stated that the charge-off was accurate but did not provide a detailed history of transactions, an original contract, or other supporting evidence to verify this balance. 
Without proper verification, this debt should not be reported to the credit bureaus. 
Failure to follow proper notification procedures. 

Santander has not provided proof that I was properly notified of changes to the status of this account before it was charged off, as required by law. 
If I was not given proper notice, this charge-off may have been reported prematurely or inaccurately. 
Santanders refusal to consider goodwill adjustments or alternative resolutions. 

I attempted to resolve this matter in good faith, yet Santander refuses to acknowledge any errors or offer a fair resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED HELP!! I have recently looked at my credit report I noticed that someone was using my information to apply for credit. I live in XXXX I use to live in XXXX. I need to update my correct name and address on my credit report. My Name is XXXX M XXXX. mY CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. THE FOLLOWING ADDRESSES ARE NOT MY PLEASE DELETE : 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 XXXXXXXX XXXX XXXX XXXX XXXX THERE ARE TONS OF UNKNOWN CELLPHONE NUMBERS ON MY CREDIT REPORT PLEASE DELETE : ( 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. I have never had this many phone numbers in my life please delete them they are not accurate.
Product: Checking or savings account

I recently opened up a checking account with Discover Bank. I deposited money in there for use during my XXXX XXXX  for work ( XXXX XXXX ). Two days ago, Discover froze my account without warning and without any information given. When I call Customer Service to get information- I am told that only the Security Team can provide me information. When I call the Security Team - I sit on hold for hours. The system cuts the call off at exactly 3 hours and 2 minutes every time. I have spent a total of 18 hours on hold trying to get ahold of the Security Team so that I can get my account unfrozen, withdraw my funds, and close the account and take my business elsewhere. Eighteen hours on hold! Two days without ability to access my money. No information given for the why the account is frozen. They are literally holding my money hostage. According to their social media accounts, this is happening to numerous customers - everyone with the same description : frozen account without warning, no information given, told to call Security Team, on hold for hours no matter time of day, call ends at exactly 3 hours and 2 minutes, and multiple days of trying to reach someone without success.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 I had stereo equipment installed at XXXX XXXX in XXXX, TX using a predatorial loan program they were promoting provided by ACIMA CREDIT. My issue is with the business practices of ACIMA and is meant in no way to accuse XXXX XXXX of any wrongdoing. After a while, I didn't think it was loud enough so I went back to the same place and returned all of the equipment and had better equipment installed. I didn't get any of the equipment back that was initially installed returned to me because that was supposed to be considered a trade-in towards the better equipment. The equipment was switched out on XX/XX/2019. Instead of using the equipment to reduce the cost of the better equipment, they opened a new loan and charged me full price, leaving me still liable for both sets of equipment. I disputed the accounts on my credit report for this exact reason and they just updated my past due amount in order to act like they actually made a change and avoid addressing the actual problem. 

Full disclosure : I haven't completed paying for the second set of equipment either. It was stolen within 24 hours of being installed and I immediately called them to ask if we could work something out so that I could just pay for the equipment but waive all of the interest because I wasn't going to pay the INSANE amount of interest they were charging while I no longer had the equipment. They refused to work anything out with me, so after being shafted with the first account, I just quit paying on both accounts and used the money to replace my stolen equipment.
Product: Vehicle loan or lease

XXXX from Wells Fargo did contact me from the Auto Finance department. He refused to listen to me regarding looking into how much I earned each month to be able to pay on the car loan. He said 'Wells Fargo is not required to look at my deposits into my checking account. 

I told him that I did not receive the sales paperwork for two weeks after the sale, and that I contacted Wells Fargo the very next day of the loan to have it dissolved. They refused to do so. I then told them I did not have the paperwork, so I was then told to contact Wells Fargo Auto Loan once I received the sales paperwork, which I did. 

The only options I had as they stated that my signature was on the loan was to either 'Refinance, Sell or have the vehicle repossessed. I did attempt to refinance the vehicle, but was told that it was only worth, at the most was {$17000.00}, and that it was only in fair shape. I got the XXXX from XXXX XXXX XXXX. 

So, Wells Fargo Auto Finance is not willing to do anything to help with this ugly situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report. 

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, credit repair services, or other personal consumer reports

Noticing a XXXX credit card on my credit file which I never applied for anything of that nature yes I am a victim of identity theft someone was apparently stealing out of the mailbox at my mailing address they obtained my personal information my old phone number my social which was on mail from the social security office. My complete identity was stolen to the point they even act like they were me to get access to my credit report information and change things on there.
Product: Credit reporting or other personal consumer reports

ON XX/XX/2023 EQUIFAX WAS SENT A DISPUTE THAT MY TRACKING NUMBER THAT WAS PROVIDED SHOWS THEY RECEIVED. As of today they have yet to process my request I also sent them an FTC report to dispute this matter and they have yet honored my request
Product: Checking or savings account

I am only XXXX years old and my Chime XXXX XXXX  was used on an app called XXXX. This was definitely unauthorized because I am under the legal age to use XXXX meaning I cant even make an account so Im not sure how my card was being used to deposit funds. I am missing {$2600.00} due to multiple fraudulent deposits being made. From XXXX XXXX multiple transactions were made. I recieved a fraud alert from Chime asking if I approved this charge. I said NO and filed a dispute immediately. A day later my dispute was denied and Chime is saying the transaction was made by me! This is impossible. It is XXXX and I need all funds possible or it will be a bleak holiday for me and my family. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian said that they cant change the report despite the facts I submitted with documentation from lender of payment history. I paid as agreed before, during and after bankruptcy. The reporting of bankruptcy should be in the notes section not under payment status which leads to falsely accusing me of being derogatory or delinquent. 
Currently, the reports show I was delinquent or derogatory which is a complete lie and is defaming my name and who I am as well as causing the purchase of new home impossible due to lower credit score based on derogatory statements which is causing me major quality of life issues. This is totally unacceptable and defamation against me. Please remove statements of derogatory and or delinquent as well as possible derogatory or delinquent comments because I was not. I provided documents from mortgage lender, a complete copy of payment history which clearly shows I paid as agreed. To report I was derogatory is crazy wrong and I deserve the truth to be reported on all my credit reports from all agencies. XXXX and XXXX have no problems reporting the truth so I dont understand Experians problems. U must not be allowed to defame my actions as a result of bankruptcy which I was not informed of the reaffirming process due to many lawyers inability to inform their clients. I paid as agreed so remove all derogatory and delinquent statements because they are false!
Product: Debt collection

On XXXX XXXX I sent a certified debt validation letter to National Credit Adjust in regard to account number XXXX. It is now XXXX XXXX and I have not received proper proof from National Credit Adjust in reference to the above account. Being that National Credit Adjust has violated my FCDPA rights by not providing proof and ignoring my certified letter it would be lawful for this company to cease collection and delete account from all 3 credit bureaus.I have attached proof that I sent my certified debt validation letter, proof that a person in there company received my letter and the debt validation letter I sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Be advised attached is documents proving that the address associated with the account listed on my credit report, from XXXX XXXX is not accurate. It was reported to all 3 credit bureaus as a fraudulent and unauthorized account by the consumer. The address that I resided at in XXXX and XXXX was a different address that was also listed on 2 credit bureaus report except Experian. My address was not updated until years later when I moved. A unknown individual obtained my information, where my information was found in the dark web, in several data breaches and etc. information that was compromised was my social security number, family members addresses, employer information and also at that time my drivers license was also stolen and then a new one was issued again. My date of birth, email address and other banking info as well. An account from XXXX XXXX was opened in my name and there were no physical authorized signatures by me, nor any documents received. Also my email information was compromised and used by a unknown source. An identity theft report was created after observing and also security alerts were placed on my credit report with all 3 credit bureaus. Please see attached documents that show the address that I was living at and also that was reported to bureaus. Date of address that I resided at was reported was on XXXX XX/XX/XXXX. This XXXX XXXX account was reported open on XXXX/XXXX/XXXX. Also my Experian credit report had a freeze on it at the time. I was not contacted by XXXX XXXX in reference to this. Its possible that someone used a fraudulent app that generated my number in order to obtain credit. I have been in dispute with this account and Im currently gathering all documents to represent my case for further escalation in the removal of this account as I have already sent in many documents. My current address is what is currently on file with Experian. This was not my address or where I resided at the time of this card opening.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$6400.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XX/XX/2021.
Product: Debt collection

Last month a company by the name of Central Financial Control posted on my credit report that I was sent to Collections by XXXX XXXX XXXX XXXX. Their information also states that the outstanding amount was paid and the matter closed in 2014. I think think this behavior is unfair, as it is dishonest, because not only do I not remember the details of the matter to adequately defend myself, but this report was made two years after resolution and came at a time when I was in the process of purchasing a home. This action has negatively impacted this process as my credit score fell by XXXX points and the financial institution is reluctant to move forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you in hope that you may be able to help me, I have been trying to get Inaccurately reported information remove from my credit report that is being sent in from XXXX  XXXX XXXX. 
XXXX  XXXX XXXX has reported to the three-credit bureau 's ( Experian, XXXX, and XXXX ) XXXX and misrepresenting claims, I have sent in dispute letters to the credit bureau 's , showing that this is derogatory information and to no avail XXXX  XXXX XXXX still sends in misrepresenting and derogatory information, I respectfully request that this misleading information be remove from my credit report under the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per case XXXX your response states that you contacted the furnisher and that they said that their information was accurate. The furnisher responded to the CFPB and stated that their information was indeed false. *******Please see attached CFPB. The furnisher per FCRA has 30 days to submit the corrected information, if they fail to submit the accurate information within the 30 days prescribed under the FCRA and FDCPA they MUST remove the information per law. Being that you are reporting information that is not accurate and unverifiable within the 30 days allotted. 

I opened a case with your company on XX/XX/XXXX, today is XX/XX/XXXX which is well OVER the 30 days allotted for such matters. 

How could your company verify this information with the furnisher if they were still researching this case themselves? Someone is definitely violating the FCRA by either falsifying information or not doing a due diligence check, at either rate : Your company is now in violation of violation of 15 U.S.C. 1692e and 15 U.S.C. 1692g ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Your company knowingly provided information that was false. 

Please remove from my credit report to avoid further escalation to FTC. I look forward to a speedy removal from my credit report. 
Please remove this information from my credit file immediately. 

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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 

XXXX XXXX  BALANCED {$1700.00} XXXX XXXX BALANCED {$0.00}
Product: Credit reporting or other personal consumer reports

I ask for them to remove hard inquires under to The XXXX XXXX, in XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX 2007 ) XXXX XXXX XXXX it decided that without a permissible purpose XXXX is in violation of 15 U.S.C. Section 1681b. Based on this decision, it appears that your agency is in violation of furnishing a copy of my credit report to the below companies. 
As the court interpreted and based on has been done in my case, XXXX clearly states that one only has a permissible purpose for obtaining a credit report under XXXX ( a ) ( XXXX ) ( A ) and when it is only in connection to a credit transaction in which a consumer has participated directly and voluntarily. I DID NOT DIRECTLY AND VOLUNTARILY SEEK CREDIT WITH THE FOLLOWING COMPANIES and they DID NOT HAVE A PERMISSIBLE PURPOSE.
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been XXXX  to my life and credit XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i see an additional hard inquiry from CoAf for Auto Loan. 
i purchased my vehicle from XXXX of XXXX and got the loan from the same Dealer, I was told that this will have 1 hard inquiry but it resulted into 2. 
Could you please help resolve this.