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

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  Account XXXX : XXXXXXXX XXXX Account Number : XXXX XXXX  XXXX Bankruptcy Case Number : XXXX XXXX : XXXX  XXXX Bankruptcy XXXX Number : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX TransUnion : XXXX  XXXX Bankruptcy Case Number : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX
Product: Checking or savings account

OnXX/XX/XXXX I tried using my debit card was denied so I tried logging in to my online account with no success so I called in was told my account was being closed they weren't allowing and debits only credits and they reversed several of my payments i had made on the XXXXth and XXXXth. I'ma at a total loss as to why they feel the need to hold my funds for 60 days when they aren't allowing debits to my account. I need my money they are going to cause me to lose my home my car I can't feed my child and they won't provide me with where it states in agreement they are allowed to keep my money from me
Product: Student loan

Received financing from XXXX XXXX to attend a Computer Training school. School had promised job placement for life. Loan was turned over to Navient. School closed down. Class action suit was filed against school. Have paid loan for 15 years. Because of high interest rate I still owe about half of the principal. Can not afford payments anymore. Tried to work out settlements with Navient. Been denied. Can you help me? I can provide documentation of the class action suit and payment history to Navient if needed. 

Thank you
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove and delete all inaccurate late payments off my credit file from XXXX, XXXX, and TransUnion immediately. 

XXXX XXXX XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX is reporting inaccurate information to all three credit bureaus for credit XXXX bank. The company is reporting the wrong balance, past due amount, last reported, date of last active, and date of last activity. This is a violation. I have disputed this information several time starting with XX/XX/2021. I have attached my first letter.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXXXXXXXXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

My complaint, includes debt collection that doesn't belong to me. On or about XX/XX/2018 at XXXX, I deposited CASH funds into my " personal checking account '' {$65.00}. My CASH deposit of {$65.00}, was deducted " immediately '' from my personal checking account by the bank ( for their improperly assessed NSF fee 's, unfair debt collection practices and unfair and deceptive practices against me and my personal checking account ) leaving my available balance at - {$68.00}. I have requested, to speak with a manager in the executive office ( as well as, attempted unsuccessfully to resolve the ongoing unlawful practices " internally '' with the banks many rude, evil and unprofessional representative 's ). I will fax any and all supportive documentation for the sake of this complaint. My personal information provided in this complaint isn't to be used by the bank ( or their subsidiaries ). It is for CFPB. -- THE END!
Product: Mortgage

My payments was XXXX to HSBC and somehow a different company received my payments. When I got the check I back, I XXXX it back with an address on their statement. I told HSBC to send an update statement to assure that my accounts was up to date. Never heard from them. My statement keep showing past due amounts and when I finally hear back from a rep they tell me my accounts is only the current payment due, so I ask for a current statement and I never get it. I 'm so stress and ca n't sleep..
Product: Checking or savings account

I was recently informed ( when I called the company ) VYSTAR that my debit card had been canceled due to suspected fraud. I went to the local branch today to get a replacement debit card and was told they had sent me a text message which I did not respond to therefore the card was terminated. 
I did not receive an email or mail notification that this was done. 
Heres why the complaint-they claimed a text message was sent on XX/XX/2023. They sent the text to my home landline ( which I no longer have ) claiming it was the number on file. That may be true however they could have sent an email or a letter stating their position. They did not. When I was at the bank today they changed the old phone number to my cellular number which is the only one I have. Calling later today to have my card verified they claimed they could only send a code to my old landline which is non-existent. I asked them to please send me an email with the code and was told they have no email on file for me. 
After that call I checked my account information and there was my email and cell number. 
Im sorry to have to complain about this company again but they need to get their act together. Its frustrating doing business with them. I will soon change banks but dread the associated change overs that come with that. None of their customer representatives seem to be based in the USA. 
Sincerely XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had money taken from my account unknown transaction and went to dispute it couldnt get a real person and always got denied a refund
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are 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. 
XXXX XXXX Balance Owed : {$6500.00} XXXX XXXX Balance Owed : {$4400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In the results of your first investigation, you stated in writing that you verified that this item ( DIVERSIFIED ADJUSTMENT ) is being reported correctly? how could you verify it? Who verified this account? This is not a request for VERIFICATION or proof of mailing address but a request for VALIDATION made pursuant to the above-named Title and Section. Now, I respectfully request that EXPERIAN PROVIDE ME with competent evidence that I have any legal obligation to pay this debt. 

1. Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature ; 2. Please provide a copy of the last billing statement sent to Consumer by the original creditor ; 3. Please provide me a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor authorizing your firm to engage in collection activities on their behalf against the above- alleged account ; 4. Please provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, an Insurance Claim or selling the purported debt to third party debt collector ; 5 ) Finally, please provide an affidavit signed under Penalty of Perjury that Collector or any agent ( s ) acting on their behalf has not violated any portion of the Fair Debt Collection Practice Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is XXXX, I never give anyone permission to pull my report.
Product: Vehicle loan or lease

i have a loan with ally on a XXXX  and during covid time i was a little lat on my payment and they were trying to charge me late fee 's ..at that time by law no financial institute were allowed to charge fee 's!!! and when i called about the issue they were not cooperating and it got worse from that point on ... they kept trying to give me financial assistance Repeatedly!!! I asked for a manager that took me months to reach and was told it was going to be resolved it just got worse!!! so at this time i am in the market to buy a home and they are holding me XXXX giving a bad credit report .. now when i tried to really get this problem fixed i was put through ringer.. there were times that i was on the phone for hrs at a time and were being laughed at from foreign worker 's times when they would say to me we cant hear you and also they left me on the phone for hrs ... and at some point they would hang up on me... so in my complaint i requested all the phone recordings because every phone conversation was being recorded ... as of today they did not send me my REQUEST .. nor are they going to due so. at this point they keep sending my monthly statement late i never get my paper statement on time to pay so i am not late.. they want to pay electronically and i refused to for security reasons...
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to dispute a trade line on my credit report on XX/XX/XXXX. I received the return receipt they sent back dated for XX/XX/XXXX, which was fraudulent and exceeded the 60 day response period mandated by law. On XX/XX/XXXX I received another response from TransUnion that was also suspiciously back-dated and so I wrote them again on XX/XX/XXXX. This time upon receiving their response of XX/XX/XXXX it had been sent with certified return receipt confirmation. It is clear to me that TransUnion have acted in bad faith by attempting to cover up their fraud through back-dating correspondence. To remedy this situation as a consumer what legal or regulatory action can be taken in order to hold them accountable? 

P.s. If they were going by the XX/XX/XXXX certified return receipt they stamped, and I received my first response letter from them XX/XX/XXXX. By law they would have to remove it because it had been longer than 30 days.
Product: Checking or savings account

Account closed 4 months ago. Truist Bank charged {$59.00} Truist Bank completed a wire transfer the bank manager performed this task I was of course charged for the service.
Product: Credit reporting, credit repair services, or other personal consumer reports

i would like to inform you that your office is at fault as of XXXX XXXX and being held liable for violating my rights under fair credit reporting act.you are reporting inaccurate information on my consumer credit report.the 3 credit reporting agencies TRANSUNION, experian and transunion are in violation by reporting false inaccurate information on my consumer credit report by reporting numerous collection accounts : XXXX XXXX XXXX XXXX open on XXXX XXXX for {$2500.00} .XXXX  XXXX XXXX opened on XXXX XXXX {$980.00} XXXX XXXX XXXX opened on XXXX XXXX {$420.00}, this is a violation of my rights, its a violation of my privacy they are reporting inaccurate information on my consumer credit report and that needs to change.my rights has been violated under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system XXXX b XXXX Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.i previously sent all three credit reporting agencies letter sent to remove these false inaccurate collections accounts reporting on my consumer credit report. and have NOT received a response back from not one agency this is a upmost disrespect by these agencies, these inaccurate collections accounts that i have had know knowledge of have been causing me pain and stress and alao is causing me " DEFEMATION TO MY CHARACTER " and need to be removed and deleted ...
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed these accounts that are not mine and are inaccurate. I haven't applied for any of these accounts, please remove and update my account. 

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

I called Santander Consumer USA XX/XX/2023 and previously also in XXXX of 2023 to get a letter of deletion to get their account off of my credit report. I settled the account with them already and I would like it removed. Each time I called, the representative stated they dont do courtesy deletions or send letters of deletion. I was under the impression that whenever I settled the account with them, that I could get it removed from my credit report. I will also be reporting them to my state attorney general 's office to see if I can get it deleted.
Product: Bank account or service

Dear Sir/Madam, I already complained about BOA about a issue to cfpt ( Case number : XXXX ). The BOA contact person named XXXX ' is in touch with us about the inquiry. She is repeating the same complaint whatever I complained about the BOA. BOA is not acknowledging the fact that there is a wrongdoing in the process of account opening. 
I went with the intention to get a promotion by opening account. If I am not eligible ( actually I am eligible which is my previous complaint ) they should have let me know so that I would n't have opened the account and end of story. Now my account was opened and I wasted lot to time to track this. 

1. I am looking for action from cfpb to stop this wrongdoing from BOA side. 
2. I am looking for compensation for wasting my time to track and expose this. 
Here is the case Id with bank of america # XXXXOur BOA Business Checking account # is XXXXXXXX XXXX ( XXXX - XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received an alert about my late payments on my credit report. I looked it stated I was XXXX  days past due on my student loan. I reached out to XXXX they confirmed I was not and never past due. My account is in Administrative Forbearance and XXXX XXXX program before this information hit my consumer report. The credit reporting agencies are reporting 90 days late on XX/XX/XXXX. Despite the records confirming on time payment on XXXX and XXXX. So how something on time a month prior can be XXXX late the month after on XX/XX/XXXX. A Letter sent priority mail on XX/XX/XXXX will arrive by Monday. By reporting thus inaccurate information violates my consumer rights. According to I respectfully request that you investigate this matter in accordance with your obligations under the Fair Credit Reporting Act ( FCRA ), specifically under the provisions of 15 U.S.C. 1681e ( b ) and 1681i ( a ). These sections require that consumer reporting agencies ( CRAs ) maintain accurate records and conduct a reasonable reinvestigation when a consumer disputes information. The inaccurate reporting of 90 days late payment is causing undue harm to my credit score and financial situation, and it is creating unnecessary emotional distress, as it does not accurately reflect my payment history. 
Remove the inaccurate information and update with paid as agreed.
Product: Debt collection

MCU Holdings is a debt collector for simple fast loan, i signed an agreement for {$370.00}, of that {$370.00}, I have already paid {$150.00}, so balance should be {$220.00}, MCU sent me a new statement with a balance of {$590.00}, due to the fact I had to stop payment which I advised them due to circumstances beyond my control, now they have a sent a different balance totally defrauding me based on the agreement i signed and they signed. These are deceptive practices.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 

Inquiry Information : Inquiring Company : XXXX Date of Inquiry : XX/XX/year> These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit report.
Product: Mortgage

freedom mortgage, raise my payment  XXXX  a year more with out explaining why. when i call them usually the first rep agrees there is a problem and cant figure why there are charging me  XXXX  a year more on my escrow account, i have talked a few times with the city about this and they say my taxes only went up  XXXX  for the year and tell me my mortgage co is the problem, my inssurance hasnt increase either, so fereedom morg. flag the problem for investigation twice so far and keep saying there is a short somewhere, but cant figure out where, esspecailly since i have not had any increases of suggnificants, i have ask them several times for a letter explaning this increase, but i get no responce. freedom mort. recently took over my mort from another company. i had no choice in the matter, so somewhere they  XXXX  up keep saying there is a short somewhere but cant tell me where ( i have called over  12 times n ow ) this exra  XXXX  a month is becomiong a burdon on my family. do i have any rights? can i sue them?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I am a victim of identity theft and these accounts DONOT belong to me nor did I authorize anyone to. Thank you.
Product: Credit reporting or other personal consumer reports

This is a LAWFUL CLAIM from I, the aggrieved man, to both XXXX AND EQUIFAX on reporting of information that to this day after multiple years of reporting and damaging to reputation the furnishing of information that remains unlawful, uncertified, non-order from a legal entity such as a court of law, the furnishing of " child support '' as an obligation being supplied, furnished to persons that request consumer reports of XXXX XXXX XXXX. A name that is copyrighted and trademarked. 
Attached is evidence directed from a court of law to XXXX and to be applied to ALL CONSUMER REPORTING COMPANIES including EQUIFAX, XXXX that the reporting of such information is and has been found to be " Unlawfull ''. The supplemental information describes in detail the lawful and unlawful reasons that such information shall not be furnished on a persons consumer report and to be removed immediately as it violates numerous laws and violates constitutional rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained and reviewed a copy of my Equifax credit report. There was a Hard Inquiry on  XXXX   XXXX ,   XXXX   made by  XXXX  of  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , DE  XXXX . I have not applied for credit from  XXXX  and I am unaware of any accounts with them. I sent them a letter on  XXXX   XXXX ,   XXXX   to the above referenced address requesting they provide me with documentation showing they had a right to make the  Hard Inquiry.  The letter was returned as undeliverable.