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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX digits of XXXX XXXX To whom it may concern, Im writing this letter to dispute the following accounts : XXXX XXXX XXXX This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, but I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above-referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N.Y. XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and fraud due to a data breach with XXXX. A calculus of accounts were opened and I am suffering harm due to such events. I am seeking help to have these items/accounts deleted such as inquiries that need delting as they were opened under fruad as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are the account that are causing me n my family great stress and anguish on my XXXX and physical state of being. as well as hendering me from a happy life and pursuit of happiness by recieving calls to negatively affecting my consumers report. please help in anyway you can assist me in the hard times. it is XXXX and Transunion job to keep my consumers report accurate, help me be heard. they will not respect my rights without you. thank you for your ongoing service. 
Here is my ftc report # to aid in investigation XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX advising that they are reporting XXXX XXXX with late payments in the months of XX/XX/XXXX - 60 day late, XXXX XXXX  60 days late, XXXX XXXX 30 days late. I asked Experian how can the other two bureaus XXXX and XXXX report on time, no late payments and they are reporting late payments. I have asked Experian to send me documentation that they used to verify the late payments they are reporting and still as of today I have not received a response or any documentation.
Product: Mortgage

Loan was transferred from XXXX XXXX XXXX M & T Bank XX/XX/XXXX. During this time I sent in the new home insurance of XXXX with XXXX. As of today XX/XX/XXXX XXXX has still not been paid and is threatening to cancel. I called again this afternoon XX/XX/XXXX and was told call back in a couple days. If XXXX is not paid by end of day on XX/XX/XXXX my insurance will be cancelled. Also my escrow account has been severely messed up also. At first it showed I had over XXXX dollars negative. Then it showed I has XXXX of positive funds. Then the next week it showed I has about XXXX dollars in the escrow. Now its XXXX dollars as off XXXX/XXXX/XXXX. Also it states that I owe over XXXX dollars a month in escrow when my total for the year for taxes and insurance is XXXX. And I just had an escrow anylasis done. Somewhere or somehow M & T bank is stealing money from me.
Product: Bank account or service

I am from XXXX and recently moved to United States. I opened Checking & Savings account with Bank of America. I made few online transfers from Savings account to Checking account. After a month i was charged {$18.00} for that. 

Based on the fee schedule : It was not mentioned clearly that the transfers within the linked checking and savings accounts are also counted towards the limit of XXXX withdrawal. 

Link : https : //www.bankofamerica.com/deposits/resources/personal-schedule-fees.go? request_locale=en-usInitially i was not told about this when account was opened. Later i was told during a chat coversation with Bank agent. After going through the link provided in the bank website, I was under assumption that transfers between linked Savings and Checking accounts shall not count towards the withdrawal limit set for Regular savings account. 

Since the wordings were misleading and not so clear, i want the charge to be returned. 

Also i was not alerted once i crossed the XXXX withdrawal limit. Bank could have sent me an email/text or whenever i do the XXXX transaction that this could be charged. 

So Bank should also include the alerting system for such transactions. 

Please resolve the issue and make the arrangement for {$18.00} refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted two separate disputes requesting that Equifax remove the illegal negative authorized user account with XXXXXXXX XXXX from my credit report as I am not the legal owner and it is illegal to be reporting this negative account on my credit. Two times now Equifax has sent me confirmations that the work has been completed and the account removed from my credit. My mortgage company issue a new credit report today and this account is STILL on my credit!!! 

Per the FCRA : As an Authorized User, I am not legally liable for this debt as per section 603 of the FCRA. This debt should have been removed from my credit profile when it first went delinquent in 2022. Please have this updated ASAP and send me written confirmation of such.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I applied with XXXX XXXX XXXX refinancing and when they pulled our credit report it doesnt show our current auto loan with PNCBank which we have had since XXXX  when we purchased the vehicle. When I called the bank they said they report it every thirty days. The person I spoke with filed a grievance but assured me they were reporting it every 30 days. After speaking with PNC Bank I called XXXX XXXX credit reporting bureau and they have no record of them reporting ever. I checked XXXX and XXXX and it does not show there either. We can not refinance without this report coming from the credit bureau. We are having financial problems and it is imperative that we have the refinancing done as soon as possible. Now we have to wait 30 days and this certainly doesnt seem fair because someone has made a bad error. Please expedite this as soon as possible.
Product: Debt collection

Unlawful collection of debt, that was included in XXXX bankruptcy. The debt was orginally held by the ohio attorney generals office, but was turned over to a collection agency in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX using the CFPB PORTAL on XX/XX/2018 to validate a car loan and they have still not sent any paperwork to me to validate the debt according to the FCRA Furnisher XXXX ( a ) the furnisher have 30 days to validate a debt when requested by consumer or it most be removed if not validated in that time frame.Time frame has pasted 30 days Remove from my credit report immediately debt not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not own this debt and demand that you immediately delete the accounts from my credit report I have never received any verifiable proof that this account is mine and according to the FCRA each account must be verifiable, timely and accurate!!! XXXX XXXX****, XXXX XXXX****, XXXX   XXXX XXXX XXXX****, XXXX XXXX XXXX XXXX**** , XXXX XXXX****, XXXX XXXX XXXX  XXXX****, XXXX XXXX XXXX XXXX****, XXXX XXXX**** , XXXX XXXX XXXX****, XXXX XXXX****, XXXX XXXX XXXX7****
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXX XXXX acct # XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx. XXXX I have filed a report with XXXX about the improper use of my credit report. I have filled a dispute on all late charges and negative inquires on paid off and closed accounts resulting in lowering of my credit scores, even though I have made consistent payments. I have had several cards replaced after being stolen and I believe these negative reports are in violation. 

In accordance to the Fair Credit Reporting Act, these creditors have violated my rights under USC 1681 section 602, it states I have the right to privacy, under 15 USC 1681 section 604- ( a ) section 2, it also states an agency can not furnish an account without my written instructions. Under 15 USCS 1666 ( b ), a creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for purposes. And FCRA section 605 ( b ) ( 15 USC 1681 c-2 ), notification. a consumer reporting agency shall promptly notify the furnisher or information subsection ( a ) of this section.
Product: Money transfer, virtual currency, or money service

Had XXXX XXXX XXXX in XXXX indiana to transfer {$52000.00} to Jp morgan Chase bank in New York for piece of equipment. Done transfer on XX/XX/2022 that morning. Canceled it out that afternoon same day. I've been taking with bank back and forth to see if they have heard anything, but they have not heard nothing. I know Chase bank had gotten cancelation because gentleman called me and said his account was frozen. Bank said it could take up to 90 days and may not ever get it back.
Product: Debt collection

I have a medical  collection on my credit report from Medical Data Systems in the amount of {$1200.00}. I contacted this company at the beginning of XX/XX/2020 and asked them for proof that this was my debt. I have yet to receive anything, yet I am still getting calls and getting them during work hours when I told them not to call me until after XXXX XXXX   EST. I am demanding this following from Medical Data Systems : Detailed verification of the amount of debt owed ; the name of the creditor for the debt ; that the debt not be reported to credit reporting agencies until the matter is resolved OR remove it from my report. 
I have already requested this as per my rights according to the FCRA. It has been well over the 30 day window to receive my documents. I want them within a week or I want this taken off of my report. Failure in any of this will result in legal action.
Product: Checking or savings account

I has come to my attention that my account ending in XXXX was assessed a monthly maintenance fee of {$14.00} and taken from my account without my written permission XX/XX/23 and XX/XX/23. I have spoken to a representative over the phone and a representative in the mediation process for a different situation and have received no assistance in removing the monthly maintenance fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Agencies are incorrectly reporting that I was late on my XXXX/XXXX  account. Please help me to remove these inaccurate late payments from my credit profile. I was never 30 days late XX/XX/XXXX or XX/XX/XXXX ; and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian placed negative items on my credit report into which I informed them I didn't authorize them to place these items on my reports and to delete them but Experian credit agency still did not remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX! I sent in letters to the following 3 credit bureau regarding my credit cause I was curious to where did they get the following information regarding a Bankruptcy that was places on the credit. I got a letter for all 3 credit bureau : XXXX, XXXX, and Transunion stating in a mail letter that the information was verified with XXXX XXXX. I reached out to XXXX seeing how was they able to verified a bankruptcy that's on my personal credit. A Rep name XXXX reference no. XXXX on XX/XX/XXXX stated that the information is inaccurate that XXXX never verified any information with any of the credit bureau. I was send a letter from XXXX stating the same information on the phone conversation with the Rep. XXXX. XXXX removed the following information from system.I have a letter that proof my conversation. I later contact the United States Bankruptcy Court of Northern District of IL. to asked if their company reports to the 3 credit bureau about my credit and they stated that they do not verify any information of the source. I was send out a letter on XX/XX/XXXX from Bankruptcy court supporting the conversation.A credit freeze was place on my credit from me in 04/2021so can completed a reinvestigation with all 3 Credit Bureau regarding the inaccurate information of the Bankrupyvy reporting on my credit to get the same letter from XXXX, XXXX, and TransuUnion stating that they verified the information again with all three credit bureau XXXX, TransUnion and XXXX  reporting false and inaccurate information on my credit report and due that issue they has violated my rights according to the Freedom Foundation, a V Seiu Health NorthWest Training Partnership, a 501 ( c ) ( 3 ) Trade Secret Misappropriation Privacy Act of 1974 Violations 5 USC 552a Violations 31 USC 371 1 ( e ) Violations Public Records Act Violation Commercial Purpose Declaration 42.56.070 ( 8 )
Product: Credit card or prepaid card

I used my credit card as defined under 15 USC 1602 ( a ) ( I ) to extend myself credit through Discover. To my surprise, I was denied. On XX/XX/2022 I received a letter of clear adverse action from Discover attempting to explain why I was denied. Due to there being no statute of limitations on fraud I am acting now. The letter that was sent mentions that Discover follows the Federal Equal Credit Opportunity Act, but this denial was clearly an act of discrimination pursuant to 15 USC 1691 ( a ) ( 3 ). In good faith, I exercised my right to extend credit as a consumer, AND a creditor and I was denied for no specific reason. Discover mentions Federal laws in the letter sent to me, but violated those very same laws. Discover also violated 15 USC 1602 ( a ) ( p ) when they used my credit card with no apparent authority, and I the cardholder and consumer received absolutely no benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute multiple errors on my credit report. Specifically, I have multiple charge-off accounts that are inaccurately reported as not being disputed and under review at the time of my last complaint also I have multiple accounts with inaccurate dates and accounts being reported open when in fact they are closed. I have been a responsible borrower for many years and I was shocked to see this negative mark on my credit report. Upon further investigation, I found that the charge-off accounts were in fact being disputed and under review at the time of my last complaints as per CFPB XXXX XXXX XXXX  XXXX, XXXX, XXXX also with inaccurate dates and inaccurate account status. This means that the information in my credit report is incorrect and is damaging my credit standing. I request that you immediately delete the charge-off accounts from my credit report. I have attached all relevant documentation to support my claim. I appreciate your prompt attention to this matter and I look forward to hearing back from you soon. Thank you for your time and consideration. 
XXXX XXXX XXXX # XXXX reporting open but in collections XXXX XXXX # XXXX XXXX did not report as being disputed XXXX XXXX XXXX  XXXX date last reported is in XXXX when disputed in XXXX XXXX XXXX XXXXXXXX # XXXX is wrong account number and date last active is earlier then date last reported, reporting open when it says in collections XXXX # XXXX reporting on XXXX different credit reports with XXXX different account numbers, reporting open but its closed XXXX XXXX XXXX XXXX  reports as open but is closed and XXXX different dates as last active XXXX XXXX XXXX # XXXX XXXX reporting as open but its in collections XXXX XXXX # XXXX already on credit report as XXXX XXXX Reporting as open but its closed, its on my report twice
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my accounts XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, was properly investigated and verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX, but how is that possible if the dates last updated is inaccurate, the close date is inaccurate, on all three bureaus have three different years when they start reporting about the same accounts. When the accounts where in good standings so-called late payment dates are inaccurate or missing from XXXX, XXXX, XXXX. One bureau, XXXX has since removed the XXXX XXXX XXXX XXXX # XXXX, file since filing my last complaint on XX/XX/XXXX. XXXX once again verified the, '' XXXX XXXX XXXX '', account again on XX/XX/XXXX. Which contradict the other two Bureaus Experian even went as far to update the XXXX XXXX XXXX XXXX a file they know is inaccurate. Even after I supplied the documents showing conflict between the three Bureaus so-called verified accounts. All three Bureaus still have not removed the XXXX XXXX XXXX # XXXX file. Even after their so-called verification and investigations which were never showed proving to be factual or accurate. XXXX violations total is 35, between the 3 accounts. XXXX violation total is 20, between the two accounts. Experian total violations total 14 between the two accounts. This is grounds for removal they also violated my rights under 15 U.S.C 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX, has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

On XX/XX/XXXX my vehicle was repossessed by Santander Consumer USA. I had missed several payments and was past due. I was aware of this. My issue is their company acting in bad faith, and while what they did may not be illegal it is certainly unethical. 

I had previously missed a payment arrangement due to some personal financial issues and problems with fraud on my bank account. 

However, between the XXXX of XXXX a representative from Santander called and informed me of the past due. I offered to make a payment on XX/XX/XXXX and another within 2 weeks to bring my account current. At no time did he mention the possibility of me being repossessed and needing to make a payment sooner. Obviously, my car was taken 2 days before the payment which would have brought it under their " repo '' past due limit according to their reinstatement specialists. 

They had previously sent me a right to cure letter, and that date had passed. However, the fact that they were still calling me and taking payments led me to believe that they were working with me. 

After trying to explain the situation and get my vehicle back they have not offered any type of solution other than completely paying the vehicle. 

I should also mention that at no time was any kind of extension given, or reduced payment plan despite asking numerous times. 

On XX/XX/XXXX I received a letter from Santander dated XX/XX/XXXX offering an assistance program to bring my account current. After calling in I was told this was a mistake and I can not do any payment plan/assistance program. I was told that if I had done it before repossession I could have used it, however I explained I was never offered any plan even after asking. They did not care. 

I also learned that my optional GAP coverage and extended warranty were successfully refunded to Santander on XX/XX/XXXX. This totaled around $ XXXX+. I understand that this applies to the principal, but it should have also showed my intention to pay the car since I had cancelled these optionally before repo. 

Combining all these things makes me very frustrated how all of this has been handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account came from a approval of a specific extension of credit that I provided a non negotiable instrument for payment. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 section 602A 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 an account without my written instructions.

15 U. S. C 1666B A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX XXXX XXXX XXXX XXXX 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: Debt collection

You dis not even read my complaint XXXX Someone else 's signature, not my address that is on opposite side of the world. Not my credit card being used to pay for the apartment. My signature not even on it. Your allowing someone else 's signature to be used on a debt against me.
Product: Payday loan, title loan, or personal loan

The company kept calling me and harassing me 37 times after I told them to stop calling me and they added information to my credit report without my authorization. They also were threatening me on the phone in XX/XX/2019.