23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX TX XXXX received Multiple Debt Validation letters. No response from the parties notice of default sent out Tender of payment sent out with 72 hours to respond no response sent out 10 day reminder send out 20 and 30 day notice of default and abandonment of vessel with foreclosure documents signed by state agent with invoice and fee schedule vessel donated to a trust and was stolen XX/XX/2020 at XXXX XXXX. Vessel taken by XXXX XXXX with XXXX XXXX XXXX XXXX Tx XXXX XXXX ) XXXX ( XXXX ) XXXX Vessel Belongs to XXXX XXXX XXXX XXXX and is filled and lien on XXXX Agreement with Secretary of State of Texas XXXX Secretary filing # XXXX the vessel is in the security agreement
Product: Credit reporting or other personal consumer reports

I recently asked for an investigation and a reinvestiagation on an account listed on my credit report : XXXX XXXX XXXX XXXX, which is incorrect. I have not received supporting documentation to justify keeping this account on my report, as required under the Fair Credit Reporting Act ( FCRA ). you have not provided the method used to verify the account.The name and contact information of the entity that verified the account. Any documentation supporting the account 's accuracy. your neglect has violated my rights .the contains several discrepancies that violate my rights under the Fair Credit Reporting Act ( FCRA ) 1 ) Inaccuracies and Legal Basis : Charge-Off Reporting Across Multiple Months : Under the FCRA, a charge-off is a one-time event and should not be reported as ( Charge-Off ) multiple months after the initial charge-off date. Repeated charge-offs constitute inaccurate and misleading reporting. a charge-off is a one-time event, not an ongoing status. Repeatedly reporting the account as charged off inflates the negative impact on my credit report, this is an update to the payment history this inaccurate information falsely manipulates the status of limitation. 

XXXX ) Balance Higher Than the Past-Due Amount : The original balance is reported as {$24000.00}, with a past-due amount of {$12000.00}. Ensure these figures are accurate and consistent with account terms. Overstating balances violates FCRA 1681s-2 ( a ) ( 1 ) ( B ).

3 ) Past-Due Amount Discrepancy : The report lists {$12000.00} as both the balance and past-due amount. This indicate reporting inconsistencies if payments have been made or adjustments should have been applied.

3 ) Payment History Inconsistencies : There are unexplained gaps or overlaps in the payment history where the timeline is unclear ( e.g., multiple CO entries across the same or consecutive months ). The FCRA mandates that furnished data be complete and accurate.

4 ) Lack of Creditor Contact Information : The phone number listed states " By mail only, '' which may limit your ability to verify information. This could be a compliance issue under FCRA 623 ( a ).

5 ) Unclear Status Update Dates : The status is listed as updated in XX/XX/XXXX, yet the balance reflects XX/XX/XXXX data. 
Under 15 U.S. Code 1681s-2 ( b ), furnishers of information are required to ensure the accuracy and integrity of the data they provide to credit reporting agencies. The inaccuracies outlined above demonstrate non-compliance with this requirement. you failed to investigate this account properly your neglect has violated my rights and caused me enormous amount of distress i'm demanding a deletion of this account
Product: Debt collection

National Recovery Agency Collections Amount : {$950.00} This is a medical debt that should not be on my credit profile. This needs to be removed. 

XXXX XXXX XXXX XXXX XXXX {$910.00} This is a medical debt that should not be on my credit profile. This needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : REMOVE ACCOUNT FROM CREDIT REPORT To Whom It May Concern : This letter is in response to Experian 's recent claim that XXXX, verified the account they are reporting is accurate with a debt in the amount of {$4200.00} or {$4200.00}.

Remove this account from my credit report due to the following circumstances : 1. DEBT CAN NOT BE VALIDATED. After over 30 requests for validation via phone and mail and online over the course of 150 days which is 5 times the 30-day LEGAL REQUIREMENT I have not received validation of this debt!

2. DISPUTES DATES OF LAST PAYMENT/OPENED/ OF FIRST DELIQUENCY/BILLING/CLOSED. Remove due to inaccuracy in dates of last payment and of first delinquency.

3. CLAIMS INACCURATE INFORMATION : Remove due to inaccurate balance information as there should not be a balance for a closed account, charge off should need continually be reported.

This debt can not be validated obviously as I have sent numerous requests for a contract bearing my signature, statements and who Experian spoke with specifically as well as what documentation was used to proclaim this debt as valid.

This has since caused me great harm as my children had XXXX XXXX and we were unable to get the proper shelter we needed due to this degradation of my credit score. 

I have also not been able to finance a car due to this incorrect information that is deteriorating my credit core and quality of life. I have a XXXX who RECENTLY HAD XXXX that I can not drive to necessary appointments or school due to this impact to my credit. 

This is defamation and causing me and my family great harm. 


Any automated response or e-Oscar verification is unacceptable. I am requesting a removal of this account. 

EXPERIAN IS THE ONLY ONE HOLDING ON TO THIS FALSE ACCOUNT THAT WAS ALREADY REMOVED FROM XXXX AND XXXX IN XX/XX/2021.
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Complaint against Aqua Finance for XXXX XXXX, Harassment, and XXXX XXXX Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Aqua Finance regarding their discriminatory practices, harassment, and predatory lending tactics. As a XXXX XXXX of XXXX, I have been subjected to false promises and detrimental consequences as a result of their deceptive actions. 

Firstly, I would like to address the discriminatory practices carried out by Aqua Finance 's sales representative. In an attempt to persuade me to purchase a water softener system, the sales representative falsely claimed that our water was polluted and that it was the cause of my teenage daughters ' severe XXXX. This tactic not only exploited my concerns for my daughters ' well-being but also targeted me as a vulnerable consumer. Such discriminatory practices are unacceptable and should be thoroughly investigated. 

Furthermore, the sales representative also made unsubstantiated claims about the benefits of the water softener system. He falsely assured me that it would aid in weight loss and increase the value of my home. Unfortunately, none of these promises turned out to be true. Instead, I experienced a significant increase in my bills and witnessed damage to my home caused by the water system. Aqua Finance 's deceptive tactics and false advertising have resulted in financial hardship and property damage for me and my family.

Despite my attempts to address these issues with Aqua Finance, they have refused to acknowledge or rectify the problems caused by their product. Their lack of accountability and failure to provide a satisfactory resolution further exemplify their predatory lending practices. It is evident that Aqua Finance prioritizes their own profit over the well-being of their customers.

I urge the CFPB to thoroughly investigate Aqua Finance 's practices and take appropriate action to hold them accountable for their discriminatory practices, harassment, and predatory lending tactics. I hope that my complaint will contribute to the protection of other vulnerable consumers and prevent further harm caused by Aqua Finance. 

Thank you for your attention to this matter. I look forward to a prompt and thorough investigation into my complaint. 

Sincerely, XXXX XXXX XXXX Regents XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is showing as charged off bad debt and I haven't heard from them or received any information to be able to make arrangements. It does not have my address on there and so I'm not sure they would even contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes regarding these accounts that DO NOT BELONG TO ME and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Product: Checking or savings account

On XX/XX/2022 I attempted to transfer money using XXXX through my checking account which I have with Ally bank. A pop-up notification said they could not complete the transaction and to call them. This led me to being completely locked out of my account because I did not answer one or more of XXXX authentication questions correctly, which I think they have incorrect. They then said the only way I could access my account was to send a photo of myself holding my drivers license next to my face, a bill with my name on it and a photo of a social security. I explained I lost my ss card over 30 years ago and they said they would not allow me access to my account without it and suggested I order a new one. ALL of my money is in this one account.
Product: Credit reporting or other personal consumer reports

This is my refilling complaint to SANTANDER CONSUMER USA for making no move to address furthermore, eliminate the deceitful records that is as yet thought about my credit report and proceed to harm my standing. I conveyed correspondence letters and protests to them a few times, yet until this time no further move has been made. I have appended my FTC report with report number XXXX. I was expecting that they would report exact data on my record yet it appears they are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian each received false information from XXXX XXXX reporting our account as more than 30 days past due when it never was. The mistake was made due to massive computer issues at XXXX. We have been working to resolve this issue through all XXXX companies since early XXXX. According to XXXX, they have removed it from all three reports. XXXX XXXX conference called with XXXX and confirmed that there are no longer any late marks. XXXX and Experian are not changing my credit report in spite of being contacted by XXXX XXXX because they say they cant get the information from XXXX. 

Due to all of these problems as well as XXXX doing damage by making a hard pull without my permission, we are about to lose our home weve been building for 5 months because this is keeping us from getting our mortgage loan.
Product: Debt collection

They have reported on my credit report XXXX accounts that are still open and not showing paid. XXXX for Synchrony Bank/Care Credit and the other for XXXX XXXX XXXX. XXXX have been paid, Care Credit XX/XX/XXXX and XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates 15 U.S. Code 1681i ( 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 ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Predatory loan by Rock Solid funding. Loan was for {$8000.00}, they tacked on an ADDITIONAL {$5200.00} on the loan for additional fees, fees I said I didn't need to pay and products and additions I didn't want or ask for. Before that, they would only give me the payment, that payment made no sense as it was {$40.00} per month higher than I anticipated and would only tell me fees when I asked. I demanded a fee breakdown and when I asked for them to be removed, they refused, saying these fees are non negotiable. Anyone not paying attention would almost double the loan amount in fees alone. From them : We are required to include it due to the sales price, it is not optional. Here is the breakdown : Sales price : {$17000.00} ( {$16000.00} trailer, {$390.00} theft tracker. {$1100.00} extended warranty ) Dealer doc fee : {$340.00} Loan origination fee : {$390.00} Tax : {$1000.00} title : {$110.00} GAP : {$510.00} Wheel and tire : {$590.00} Theft protection : {$590.00} Minus down payment : {$8100.00} Amount financed with protection : {$13000.00} Amount financed without protection : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. Information on credit report is still showing inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has yet again locked me out of my account for reasons unbeknownst to me. I hadn't attempted to access the site in about 4 months or so. However, my email remains the same and my password should have too. I attempted to access my account today to view my credit report and credit score and was not able to get access the site due to my password not being accepted. When trying to access I was instructed to contact Equifax. I did so, the representative sent me 2 reset links via my email address and neither of the links worked. My issue was then escalated and now I have to wait 3-5 days for help to get access to my account. I was given a ticket number # XXXX. 

I am inclined to believe someone in Equifax tampers with my account purposely and creates situations such as - difficulty accessing my account. Why would my password not work. The rep mentioned nothing about a system outage or malfunction. So what is the reasoning for this. I don't access my account every day, but when I do I'd like to be able to with no problem.
Product: Debt collection

XXXX XXXX called my son, who is in the military and was XXXX and told my son there was an urgent legal matter and that he needed to speak with me. Once my son confirmed that I was his mother XXXX then proceeded to tell that I needed to contact him. 
Then XXXX gave the company name as empire recovery solutions @ XXXXI am not past due, have any outstanding debt or nothing delinquent for 7 years or more and believe this to be a scam. 
I have received multiple calls, all hours, any day of the week from this number but I do n't know anyone in New York so I do not answer
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In reviewing my Transunion account, I noticed 29 inquiries ( extremely high ) compared to the 9 inquiries with XXXX and XXXX.

I contacted Transunion onXX/XX/XXXX for a request for investigation of unauthorized inquiries. I advised Transunion, via letter, that I had contacted these company to no avail and am now requesting that Transunion investigate the inquirires on my credit report to determine who authorized them and once their investigation is complete, if they find my allegations to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report.

According to the Fair Credit Reporting Act, Section 604, a creditor should not have access to a consumer 's credit information unless the individual, themselves, gives written permission or unless credit access is court ordered or requested by a state or local government agency in relation to child support.

I am requested ( an originally requested onXX/XX/XXXX ) that the below inquiries be investigated and removed : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX  -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX  -XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX -XX/XX/XXXX XXXX  - XX/XX/XXXXIf you have any questions or concerns, please feel free to contact me.

Thank you, XXXX XXXX
Product: Mortgage

Hello I have been trying to work with BBT on a loss mitigation package for assistance. However, it seems that they are intentionally failing to log in received documents and failing to follow through with return phone calls. For example they called and asked for profit/loss statement, then asked for it to be for the 3 months prior which would be XXXX, XXXX XXXX 2016, then asked for it to be individually stated. Each time I give them what they asked for and it was never acceptable. Then the next step it was n't received. Every time you speak to someone its a different request. Then they stated they were missing information on the bar assistance, why not tell me that in the beginning. Then you send it what they asked for then its missing this column. Ok, now back to missing the profit loss. I think they game me the run around to get the foreclosure in. I fax and email them the requested documents each time and when you call to verify it takes time, You call back after a few days, oh we apologies we do n't see it. I also asked for supervisor to call me no return call! But then they see in the system where the request was made but do not know what happened. I called today to find out that it was denied. I received a foreclosure letter with 20days to respond on XXXX XXXX. i mailed in the response today, I tried to make a payment in the amount of {$15000.00} to the bank and could not. I was on medical leave, XXXX. I had to start a business this summer if not I would have been homeless and on the street. I need help to save my home and to receive and ethical professional service from BBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX Mortgage # XXXX In 2020, my wife and I were notified by XXXX that we could participate in a forbearance offer due to XXXX. We decided to participate and did so for a period of XXXX months. At the end of that time, we found out that XXXX, without informing us, had reported us to the XXXX credit reporting agencies as 60 days late. When we found out this negative information was on both of our credit reports, we made a huge payment to bring the account up to date. XXXX never told us of the limited time of the forbearance, XXXX months, nor that we would be required to make a XXXX or 3 month lump sum payment. We were mislead at a time when we were thought we were getting some type of COVId relief. Further the failure of XXXX to timely and clearly inform us that the forbearance had such strict limitations and was actually not a forbearance is disheartening. At the very least, we want the negative, 60 day late payment, reported by XXXX removed from the XXXX XXXX XXXX XXXX reports under our names as at the time we were in the agreed upon forbearance offered by XXXX. I have reached out to XXXX as late as last month with no resolution of this issue. Thank you. 
XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX and Transunion reported that an open account was closed. My credit score was negatively affected by this false report and my score decreased by XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax did not give my correct score to the bank i was unable to get loan due to incorrect credit score
Product: Checking or savings account

I opened up a checking account with TD Bank on XX/XX/2022. This Was in response to a mailer I received. the promotional code would award a {$400.00} bonus if specific criteria were met. I followed the instructions, opened the account through the correct website, entered the promotional code and completed the required activities. I have waited the required length of time to receive the promotion and my account is still open. 
TD Bank is saying that I was not eligible because I never received a promotional flyer. The representative I spoke to who was a supervisor said that they searched my name and social security number and address to see if a promotional flyer was ever sent and they could not find XXXX. I'm not sure how they think they could have had my social security number prior to me opening the account so that in and of itself is confusing. 
I had also inquired about the length of time it would take to receive the bonus previously and there was no mention that I was not eligible so I feel this is a deceptive act to trick people into opening up bank accounts and hold their funds while we wait to see if we get our bonus. 
Note that I deposited enough funds to meet an average daily balance to avoid the normal $ XXXX monthly fee they usually charge. The supervisor I spoke to you on XX/XX/XXXX agreed to reach out to their promotions team and ask them to search my last name which I sometimes hyphenate. I opened the account with just XXXX last name not XXXX. She told me to allow up to XXXX weeks for a response they told me usually there's a response after a week and a half. 
She also told me that I may need to supply them with a photo or walk into my local branch and provide the actual flyer that was received back in XXXX. That was over XXXX  months ago so of course I don't have that flyer. I did take a couple screenshots but sadly they don't show my name as the addressee. I also asked her if she could look to see if I entered the code that was provided on the mailer and she said her system does not show whether or not a code was entered. There seem to be a lot of holes and gaps since ( number XXXX ) she's saying they looked me up by my social security number to see if a flyer was ever sent and I never did business with TD Bank in the past so there's no way they would have had my social security number ; ( number XXXX ) how would anyone ever expect to receive their friends if they didn't retain the original mailer? That's why I think what they're doing is predatory and deceptive.
Product: Checking or savings account

I was sent a email that I pre qualified for oops the representative said its like overdraft. I had deposits coming in on XXXX  but I would get a oops statement on XXXX  night at XXXX