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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX XXXX & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have maintained a 100 % perfect payment record of timely, on time payments for over 7 years with XXXX XXXX XXXX  ( XXXX ), based in Florida. 

In XXXX, I learned of a very sick family member who had traveled overseas and ultimately was found to have been afflicted with the XXXX XXXX. 

During the time I was caring for them, on XX/XX/XXXX I closed on my home sale thereby paying off my HELOC with XXXX. 

I recently discovered through my credit report monitoring that XXXX destroyed my FICO score and lowered it by almost 140 points by reporting a single late 30 day payment!! 

This payment related to when I was caring for my deathly ill relative and in the midst of my home closing transition. I called the XXXX XXXX XXXX XXXX number to politely ask them to remove the adverse credit mark due to these highly extenuating circumstances. 

I then was referred to another office who was responsive but ultimately spoke to the " powers that be '' and said that " since they get audited all the time, they could not make this adjustment for me, unless it was exclusively a bank error. '' Given my 7 year unblemished payment history and that I was involved in caring for a XXXX   victim and was advised improperly that there was no need to make the last payment as it would be adjusted on the final settlement statement when I had called them in XXXX, it is HIGHLY UNSCRUPULOUS AND AN UNFAIR BUSINESS PRACTICE TO maintain this negative mark on my credit during these troubled times and unfortunate circumstances. 

I am hopeful that you can rectify this matter with XXXX promptly before me taking the next steps and involving the news media as well as the District Attorneys 's office and my local Senator. Thank you in advance for your attention.
Product: Checking or savings account

On XXXXXXXX XXXX XXXX Chase closed my account and when I called them to ask why they said they decided to end the relationship and that was all the info they would give me. So I said what about the money that was in my account prior to the fraudulent checks that someone else deposited into my account, they told me that they would look into it and if there was any money they would be sending me a check. Chase has sent me a check for {$41.00} when I had {$100.00} in my account.
Product: Credit reporting or other personal consumer reports

Contacted all 3 major credit bureaus via telephone, mail and filed numerous complaints to have inaccuracies removed from credit due to reporting errors and violation of consumer laws ; instead of investigation and removal of item they refused to process sending an email stating that the request seems to be from a third party which is invaild. All my personal identification was attached to letters and in signature line it states " I PERSONALLY SIGNED THIS LETTER AND REQUEST THIS INVESTIGATION ''. Bureaus are aware laws were broken and that type of response is just to provide a reason as to not follow the laws.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I noticed a collection account on my credit fr om Hunter Warfield. The y never sent me a notice or anything telling me that they were reporting anything on my credit. They just put it on there. I sent for validation of the account over 45 days ago and they just ignored me and yet still are reporting this on my credit. They are in violation of the FAIR DEBT COLLECTION PRATICE ACT
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX XXXX XXXX XXXX account was charged off as of XX/XX/2020. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding, charged off accounts should NOT include an active payment history. Need I remind you, this also falsely manipulates the statute of limitations.
Product: Debt collection

I just realized there is a collection on my credit report, I never received any notification nor do I know what this is in regards to, please remove and update. 
Please do not report false information about this debt. I am disputing in writing and you must comply by not reporting to credit reporting company that it has reported as I am disputing this. This is in violation of the Fair Credit Reporting Act.
Product: Debt collection

Ray Klein aka professional credit services emptied my bank account of {$4200.00}, {$120.00} for bank garnishment fee, and {$10.00} from my terminal husband medical/memorial account. 
This judgement was from XXXX ago, I never received any notice of garnishment or collections. There is nothing on my credit report saying I owe them, and when I called the court they said they couldnt find any judgements against me under my social, old last name or current last name. After further digging by case number, it says the case is closed. 
On the paperwork from the bank there are no dates stating there has been an extension. The date on the paperwork sent to the bank was from XX/XX/year>. 
At the very least even if the case was still active, under Oregon law XXXX The Family Protection Act, {$2500.00} is protected so that families do not lose their homes. They left me {$.00} in my account, that was my rent, insurance and car payment. We are now at risk of losing both our home and vehicle.

And they are not allowed to take money from medical accounts, and they took the only {$10.00} that was keeping that account open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX ... CAINE WEINER ( Original Creditor : 01 XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
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. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Experian credit report on XX/XX/2024 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 supposed 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.

According to 15 USC 1681s-2 they are supposed 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 inaccuracy.
Product: Debt collection

Due the the fact that in the above choices I have to choose from in the above box. My choice is not represented well so I had to pick XXXX because my situation is based on the legal right to operate in the State of XXXX as a debt collector and Convergent Outsourcing does n't have the right to collect debt in the State of XXXX. I am going to provide you with the XXXX I sent to them, I am going to provide to you the research from the State of XXXX Debt XXXX Website to prove they are illegally trying to collect a debt. Finally, I am going to provide the certified mail document showing when they received the XXXX
Product: Checking or savings account

To whom it may concern, Please see the attached list of unauthorized transactions from my Chime bank account that I am disputing : Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Credit - Unauthorized Transaction Date Error Reported : XXXX Document Request Date : XXXX Claim Amount : {$2200.00} Attached to this email are the document ( XXXX ) used in your dispute investigation. Your investigation included a review of the following transactions : Chime XXXX XXXX Date Amount Merchant XXXX XXXX ... XXXX XXXX {$88.00XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$92.00} XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX {$88.00} XXXX XXXX XXXX XXXX ... XXXX XXXX {$92.00} XXXX XXXX XXXX. XXXX ... XXXX XXXX {$96.00} XXXX XXXX XXXX. XXXX ... XXXX XXXX {$96.00} XXXX XXXX XXXX. XXXX ... XXXX XXXX {$96.00} XXXX XXXX XXXX. XXXX ... XXXX XXXX {$96.00} XXXX XXXX XXXX. XXXX... XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX ... XXXX XXXX {$110.00} XXXX XXXX XXXX. XXXX ... XXXX XXXX {$110.00} XXXX XXXX XXXX. XXXX ... XXXX XXXX {$110.00} XXXX XXXX XXXX. XXXX ... XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX ... XXXX XXXX {$110.00} XXXX XXXX XXXX. XXXX ... XXXX XXXX {$400.00} XXXX XXXX. XXXX ... XXXX XXXX {$400.00} XXXX  These transactions have been authorized without my consent and I am requesting a dispute and return of these funds. 

Thanks, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to paid as agreed and current. 
4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
5. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX  Date of inquiry : XX/XX/year> Delete this account. 
8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX Date of inquiry : XX/XX/year> Delete this account. 
9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX  Date of inquiry : XX/XX/year> Delete this account. 
10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX  Date of inquiry : XX/XX/year> Delete this account. 
11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/year> Delete this account. 
12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER CBNA Date of inquiry : XX/XX/year> Delete this account. 
XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF XXXX XXXX  Date of inquiry : XX/XX/year> Delete this account. 
14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX  Date of inquiry : XX/XX/year> Delete this account. 
15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX Date of inquiry : XX/XX/year> Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, Santander Consumer USA was charged with Predatory lending in a MultiState Lawsuit. In the lawsuit they were required to compensate consumers and loan holders with the following, but not least : 1. Santander to remove auto loan entirely from credit reports and credit bureau, per the settlement 2. Santander to forgive loans entirely, per the settlement 3. Santander to give consumers clear auto title, per the settlement 4. Other specific requirement in the lawsuit Maryland Attorney General Office communicated with me and sent my information to XXXX XXXX ( Consultant handling the Santander Settlement ) to be added to the settlement. When I call XXXX XXXX they claim that they do not have any information concerning me being on the Settlement and that I should contact Santander. When I call Santander, they state that I am not eligible for the settlement because I still have a balance. 

I did not see anywhere on the settlement lawsuit that consumers with balances are not eligible. It appears that Santander is not abiding by the lawsuit. And they keep sending me to AGs office and XXXX XXXX and back and forth, with no answers. 

However, Santander has removed the loan entirely ONLY on XXXX, but XXXX and XXXX, they have closed my account, but still show a balance. This is not correct according to the settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Also, I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX and XXXX XXXX XXXX Please correct and update.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account number XXXX Erroneous account report on transunion please delete from my credit report
Product: Credit reporting or other personal consumer reports

According to Section 605B of the Fair Credit Reporting Act. I have the right to request that these accounts listed below be blocked by the Credit Reporting agencies ( CRA ) that is reporting this to my consumer report. All these Accounts are due to identity theft. My information was compromised due to the DATA BREACHES. 
XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNTS ARE FRAUDULENT, DUE TO IDENTITY THEFT.
Product: Credit reporting 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I recently and very proudly paid off my credit card balance on XXXX XXXX XXXX {$25000.00} with money I received from a retirement settlement ( XXXX installment ). I double checked with a Chase Rep before making my pay-off to ensure there were no hidden fees, charges, etc. I was quoted the same amount as was showing on my Chase app balance. I know to do this after working at XXXX. My payment was not due until XXXX XXXX. I made my payment online and received my confirmation e-mail. I went in to check the app on the following day and the balance read zero. What a relief! From here on out, I intended to only use the card for small purchases and pay off immediately. On XXXX XXXX which I figured would not be processed until after my payment, I made a small charge and another on the XXXX. I paid them both off on the XXXX. The app balance again read zero. We are renovating our home a bit with some of the money so instead of carrying cash to get home improvement supplies, I made a small charge on the XXXX which I thought might have interest and then waited until the XXXX to make the other. On XXXX XXXX, I checked my app for the balance on the XXXX charges due to not being able to find my receipts. To my surprise, on the XXXX, {$120.00} in interest was charged! The total of both of my charges was {$600.00} and I planned to pay them yesterday. I asked Chase where this interest came from. They said it was on the balance I paid off between XXXX XXXX and XXXX XXXX when I paid off the balance. I told them that their staff quoted me the pay-off with interest and all pending charges. They refuse to budge or remove the charge. I told them I would pay the {$600.00} or even interest on the {$90.00} charge from the XXXX, but I refuse to pay interest that they have decided to add after quoting me a pay-off. This is a problem with their staff and a very predatory way to treat customers. I have informed them that I will be reporting them. I have filed with the OCC. My response today was as follows : Thank you for taking the time to contact us in regards to the interest charged. your inquiry has reached the highest level. Your account was a revolving balance which is charged interest daily. Therefore you were charged interest on the average daily balance carried from XXXX/XXXX/16 until paid in full on XXXX/XXXX/16. As this interest charge is valid, we are unable to credit it. As long as you pay your previous statement balance in full by the due date, no further interest will be charged. I apologize for the frustration caused. 
Sincerely, XXXX Best Quality Customer Care Senior Financial Service Specialist Phone : XXXX Ext XXXX Mon thru Fri XXXX XXXX to XXXX XXXX Fax : XXXX The XXXX for would never ask a customer to pay for an employee error. It is not my fault that they did not include this amount. I asked for a pay-off that included everything and paid it all. My money is hard earned, and they are a big bank trying to squeeze every dime that they can out of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XX/XX/2022 XX/XX/2022 The company put three separate inquiries on my report on the dates listed above without my knowledge.
Product: Debt collection

To whom may concern please stop sending me a letter through mail threatening legal action against, me from the Law offices XXXX XXXX XXXX XXXX, I will file a complaint with the Consumer Financial Protection Bureau under the Civil statute of Limitation law in the state of Texas. The expired date on this collection of debt is known void account number XXXX this is a Cease & desists from a legal letter does not apply to me. After communication through the mail with threatening legal action, I will move forward with my consumer attorney under the state law in Texas thanks. 

This law offices is trying collect on old debt! that expired on a law suite it under the Civil statute of Limitation law in the state of Texas account number is XXXX they are collect from third party easy cash money online! amount is XXXX dollar and its not true legal amount in the state of Texas. 


My name is XXXX XXXX XXXX I stayed in Texas My phone number is XXXX if you have any question about this old Debt.
Product: Payday loan, title loan, personal loan, or advance loan

I paid my perpay account off in full and closed my account. I do not owe them anything and I do not have an open account anymore with them. They reported it is still open and I still owe them money causing my score to decrease drastically. This account is paid off and closed and I disputed this with XXXX and they came back with the result I am delinquent and the account is not paid. This is all false and I paid a lot of money to close this account. I have bank statements proving this. This needs to be fixed immediately
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below. 
XXXX XXXX XXXX XXXX : {$220000.00}