23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Had a card loan with Santander Consumer Usa Inc . I default on the loan and they repossessed the car without court order and also filed an claim against my insurance company for damages the vendor made to the car and Manager XXXX admitted the fault for the false claim by agreeing to credit the Account. Since speaking with XXXX my number had been block from Santander. They are blocking me and preventing me for trying to clear up the debt by refusing communication with me, they refusing to send my payment history because I explain to them it has been times where I double paid on my loan in one month and they applied one payment to principle and the other to interested which cause for my next month payment I paid in advance late and charge fees and had to do a deferred and they are refusing to send my that account history. I am request for them to relieve me of the debt since they are block all communications from me. Every new number I find to reach them, they block me from that number, but they want to continue to report the information to my credit report, to me that do n't make no sense, they are abusing my credit report and not following collections act laws set forth in Texas and the United States
Product: Money transfer, virtual currency, or money service

My bank citibank put a stop payment on a check for my rent last month, they even sent me a confirmation email to assure me that the funds would not go to my landlord company, however they did not honor it, also they are not protecting me as a long time consumer that for a payment that was transferred to a scammer according to bank they did not authorize it and that I should get it myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2022 I CALLED INDIGO CREDIT CARD COMPANY BECAUSE I RECEIVE A CREDIT CARD THAT I DID NOT APPLY FOR THIS YEAR IN THE MAIL I DID NOT WANT THE CARD THEREFOR I DID NOT ACTIVATE A WEEK LATER I RECEIVE A BILL IN THE MAIL I CALLED TO LET THEM KNOW THAT I DO NOT WISH TO HAVE THIS CARD THIS IS WHY I DID NOT ACTIVATE IT AND THAT I DID NOT APPLY FOR THE CARD RECENTLY. I WAS TOLD BY THE REPRESENTATIVE THAT ONCE I REQUEST FOR THE CARD ITS AUTOMATICALLY MY CARD AND THAT I AM RESPONSIBILITY TO PAY. I ASKED TO SPEAK TO SOMEONE IN CHARGE WHICH SHE TOLD ME WAS NOT AVAILABLE AND THAT I WILL GET A CALL BACK AND I NEVER DID AND THE BILL IS DUE TODAY A WEEK AFTER I RECEIVED THE CARD THAT I DO NOT WISH TO ACTIVATE
Product: Student loan

I have a student loan for the amount of XXXX loan the first servicer was nelnet but is currently with XXXX nelnet still have it open on my credit report as well as XXXX nelnet did not close the account causing it to be added twice on my credit report nelnet needs to close the account it makes it seems that I have XXXX in students loans when I only have XXXX causing my credit score to drop.
Product: Checking or savings account

On XX/XX/year>, posted on XX/XX/year>, an unauthorized transaction was made from my Wells Fargo debit card in the amount of {$170.00} via XXXX XXXX bank atm in XXXX XXXX, XXXX. I had placed my debit card in the atm machine to view conversion rates to local currenct and did not withdraw any currency/money during this transaction. This transaction was disputed as fraud to Wells Fargo shortly after. After weeks of investigation, Wells Fargo, based on provided information by XXXX XXXX, determined without any further research or video proof, and that this transaction had no errors and that I was charged the correct amount for this transaction based on Wells Fargos final determination. 

I did not authorize this transaction and told Wells Fargo it is fraud but they would not listen after repeated pleas. Wells Fargo has a reputation of ripping off customers in the past, and this interaction does not come off as a surprise in the least.
Product: Credit reporting

I had several debts closed on my Transunion report, and they are STILL on there under derogatory accounts/collections!!!!
Product: Credit reporting or other personal consumer reports

Since 2022 XXXX XXXX has Done nothing to remove these inquiries off my credit report,
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

ok i sold a XXXXXXXX XXXX XXXX to a person in billings in XX/XX/XXXX that person didn't change the title work and spring of XXXX XXXX XXXX in Oregon tried to get me to pay the recovery bill of over XXXX so i had my insurance company fax them a copy of title that states ive not owned it since that time so they told me and my insurance company that i wasn't responsible for the bill..but today i get a letter from a collection agency in XXXX Utah collection XXXX XXXX # XXXX left messages for both companies to respond
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint Subject : Unlawful Reporting of XXXX  Record and Associated Accounts Complainant : XXXX XXXX XXXX XXXX XXXX : Experian Complaint Summary : Experian continues to unlawfully report a XXXX XXXX XXXX ( Filing Number : XXXX, Filed : XX/XX/year> ) and associated accounts on my credit report despite multiple dispute attempts. I provided an affidavit from the court confirming that they do not share information with credit reporting agencies. Experians claim of verifying this information with the original creditor is both false and a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

I have already filed a formal complaint with the Federal Trade Commission ( FTC ), Report XXXX XXXX, regarding these violations. Despite three dispute rounds, Experian has failed to meet verification requirements or provide accurate reporting. Their continued inclusion of this information disregards federal regulations and my rights as a consumer.

Resolution Requested : Immediate removal of the XXXX record and all associated accounts. 
Written confirmation of removal within 15 days. 
Attachments : Court affidavit. 
Dispute correspondence. 
FTC complaint ( No. XXXX ). 
Experians actions are unlawful, and I request the CFPB to investigate and enforce compliance. 

Signed : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX  - XXXX - {$0.00} These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.
Product: Checking or savings account

Both my wife and I received offers in the mail from Citizens. The offer was that if we each completed the required transactions ( set up direct deposit into a checking account and 3 separate monthly deposits totaling at least $ XXXX ), we would each receive {$600.00}. We both started these required activities, but after one month, toward the end of XXXX, the online access to both our accounts was XXXX, and when I called customer service I was told, without any explanation, that Citizens had decided to close our accounts. They refused to allow me to transfer out the monies in our accounts. I subsequently received a letter dated XX/XX/year>, stating that checks would be mailed to us on XX/XX/year>. 

Prior to my online access being frozen, I had set up automatic transfers at Citizens Bank from our account at XXXX XXXX  into our Citizens accounts, to satisfy the requirements for the {$600.00} offers. To my surprise, even though I no longer had any control or access to my Citizens accounts, on XX/XX/year>, transfers of {$500.00}, {$10.00}, and {$10.00} were transferred out of my XXXX account by Citizens.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018 my Citi AA Advantage card had a fraudulent charge so I was issued a new card with a new account number. From that point on this account no longer reports on my credit file with all 3 bureaus. I have written monthly to Citi including sending credit reports asking that they report. Every month I get a letter stating they are reporting and it will update in 30 days. It never happens. I have 2 authorized users and this account is reporting on their credit files. I am the primary and it does not report on mine. XXXX XXXX told me Citi needs to contact the XXXX XXXX support line so they can walk them through what is wrong on their end. I have requested this but still no results. Please help!
Product: Mortgage

Straighten out the mortgage account.. There have been no late payments so not sure why erroneous late fee charges among other wrong fees/charges accessed to the account.. 

Why is the mortgage balance not reducing when there have been payments made & accepted by Capital One for every month 's mortgages account. 

This matter has been in limbo for over 6 months as Capital One is still researching the issue??
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors 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, remove 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 Balance Owed : {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see Unauthorized inquiries from XXXX on XX/XX/XXXX and XX/XX/XXXX. Please remove from my credit file as these inquiries are unauthorized and without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account XXXX XXXXXXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX   -- - I never authorized this inquiry XXXX XXXX XXXX XXXX XXXX XXXX- - I never authorized this inquiry XXXX XXXX XXXX XXXX XXXX I never authorized this inquiry XXXX XXXX XXXX -- - I never authorized this inquiry XXXX XXXX XXXX  - I never authorized this inquiry XXXX XXXX XXXX XXXX  -- - I never authorized this inquiry XXXX XXXX XXXX XXXX XXXX XXXX - I never authorized this inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion, and XXXX, which are non-government for profit entities, has been providing my credit report to other entities without my permission or informed consent, and refuses to stop this practice or delete my account and erase my data when I ask them to.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this message in regards to credit agency TRANSUNION. It has come to my attention that my credit file has errors and I have contacted TRANSUNION through mail on XX/XX/2021 through certified mail # XXXX it was received by XXXX. TRANSUNION sent me a letter stating that the information I disputed was verified. TRANSUNION has a history of reporting erroneous inaccurate information on my credit report and I have the facts to prove it. The account I am disputing XXXX XXXX XXXX XXXX account number : XXXX. TRANSUNION is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquires reported & XXXX XXXX XXXX XXXX is fraud and said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting TRANSUNION to provide the documentation used to determine inquiry was indeed authorized by the consumer, TRANSUNION has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if TRANSUNION does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. TRANSUNION Commission file number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, North Carolina XXXX i will be filing form XXXX treasury omb forms to audit consumers account. TRANSUNION is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Debt collection

A collection account showed up on my XXXX and XXXX credit reports from XXXX XXXX XXXX in the amount of {$1600.00} dated XX/XX/2017. I have no knowledge of this account and received NO communication, letters, or correspondence from XXXX about resolving this account. The phone numbers listed for XXXX either send me in a hold loop or no one ever answers.
Product: Bank account or service

Navy Federal Credit Union issued fraudulent debit card and XXXX credit under my forged name in XXXX, 2015. I called and had accounts shut down and have learned I have been the victim of identity theft. Attempts at other institutions were made - BUT ONLY NAVY FEDERAL 'S WENT THROUGH - without apparent verification and opened with a STARTING {$25.00}, XXXX credit limit! This company has some serious regulatory issues!
Product: Vehicle loan or lease

XX/XX/XXXX The dealer made fraud used fraudulent information on the loan of a used XXXX XXXX XXXX, report to XXXX XXXX. I have been looking for help but have not had any luck. XXXX XXXX has made a lot of fraud with my payments. The interest exceeds more than half of my payment. Sometimes I have made additional payments and surprise if I make my payment every XXXX of the month. 
And I want to make another additional payment either before or after the XXXX that would be for the principal, the next payment that would be on the XXXX, most of it is for interest. 16 months making regular payments not including the additional ones, my account has only dropped {$11000.00}. 
When the account started Balance {$28000.00} Monthly payments {$700.00} For 72 months The current balance is {$22000.00} Total regular payments XXXX payments every XXXX of the month Plus XXXX additional payments that are supposed to be all for the principal of XXXX payments It has only been been XXXX {$100.00} XXXX {$20.00} XXXX {$60.00} XXXX {$200.00} XXXX {$600.00} XXXX payments of {$700.00} Total for principal would be {$5100.00} But I don't even see the payments, much less my account going down
Product: Credit reporting or other personal consumer reports

DEAR, TRANSUNION I WOKE UP TUESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX  XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX,
Product: Debt collection

I have written this company several times and have been ignored. Last attempt was on XXXX XXXX certified mail. They reported this account # XXXX to XXXX and I don't even know you. I know you're a collection company and when you buy debt from the original company the debt is already PAID. I know they're paying XXXX to keep this on my credit which I already spoken to attorney about this and they advised me to take this route and if nothing happened then I can hire his team. I don't recall giving XXXX XXXX XXXX XXXX to have my health records to be release to a third party. I need you to send me Validation of Debt and HIPPA AUTHORIZATION, please provide me a breakdown of fees including any collection cost and medical charges, Provide me a copy of my signature that I have agreement with WakeField and Associates. Provide a copy of my signature with the provider of service to release my medical information to you. I am asking for last time to delete this from XXXX credit report. Can you also provide me with Agreement with your client that grants you the authority to collect on this alleged debt. I need verification that this debt was assigned or sold to a collector. I asking one more time to send my a signed contract with WakeField and Associates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion 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 60 days straight with transunion 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.