23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a credit card with Santander Bank. I have never used it for purchases. However I have used it twice to transfer balances from other cards onto 0 % promotions. When I applied for these I assumed when making payments that my payments would be applied in such a fashion that the promo expiring first would be paid off first. One balance expires in XX/XX/2023 and the other in XX/XX/2023. However, they are applying my payments " however they see fit '' according to the many employees I have spoken with. Making it so that I can essentially never pay off the first balance and in XXXX they will apply full interest to it. This seems illegal and unfair. Why would I pay the amount needed to pay off that first balance but never be able to pay it off? Why would I make all these payments only to pay interest in the end? On top of the hefty transfer fee they charge up front. I have spoken to at least 6 people there including supervisors who tell me it is what it is. So how can I pay this off an avoid interest? Nobody can tell me that. I will have to file bankruptcy if they apply interest to this after I have paid all this money.
Product: Debt collection

XXXX XXXX {$0.00} Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : transunion, Please take notice that this letter dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Debt collection

Stated on Credit Report on XXXX : Collection Company : MIDLAND FUNDING LLC Original Creditor : XXXX XXXX XXXX Balance : {$3800.00} I keep seeing this item on my credit report which is severely hindering my chances of getting anything approved and I have reached out to Midland Funding and the Credit Bureaus - non of which have been able to validate the debt but they sending me letters that I owe this debt. <P/>I do n't even have an account on my credit report from XXXX XXXX XXXX, but yet Midland is collecting on a balance that is not mine. <P/>I 'm desperately requesting that this collection item be proved and removed from my credit report because it does n't belong to me. PLEASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

ThisXX/XX/XXXXXXXX account no. # XXXX was opened in XXXX and closed in XXXX by the creditor and no payments were made on it since that time. I started disputing this account in XXXX with XXXX XXXX and based on the date of activity in XXXX this account became obsolete and should have been automatically removed in XXXX. I even disputed this account again in XXXX with XX/XX/XXXX Experian, and XX/XX/XXXX and still received no results. XXXX XXXX continues passing this account by selling it and leaving it open. This is not right, because this account is over 12 years old and should have been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX ) and the Creditors ( Bankruptcy Chapter XXXX, Bankruptcy Chapter XXXX, ( 2 ) XXXX XXXX XXXX, TN Child Support ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Checking or savings account

BOA case # XXXX I last used my BOA debit card at the XXXX XXXX, XXXX XXXX, CA BOA ATM on XX/XX/XXXX. After that transaction, someone withdrew XXXX dollars in theXX/XX/XXXXarea ( unauthorized withdraw 3 times : {$900.00} each on the following dates : XX/XX/2015, and XXXX ) while I had possession of my card the entire time. I discovered this on the afternoon of the XXXX and immediately called BOA to file a claim but wasn't able to reach BOA claim department due to high call traffic. So I filed the claim on the morning of the XXXX as well as filing a police report on the XXXX at XXXX XXXX Police station ( Report # XXXX XXXX. Upon filing the claim with BOA, the representative told me he suspected this as card skimming fraud and I would receive the provisional credit and additional documents in the mail to fill out within 10 days. However, I haven't received the documents nor did I receive the provisional credit but only a letter stating my case had been closed without stating any reason on XXXX, which was written on the XXXX. Obviously, BOA did not do a proper investigation, if any, within a day. Please help to file this complaint against BOA as they have not been cooperative. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX DATE XX/XX/XXXX Trans Union LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Last 4 SSN To whom it may concern, I, XXXX XXXX XXXX, never gave ( XXXX, XXXX, or TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. $ 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
As a consumer, I am demanding a deletion of the following account : following inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

I am currently XXXX XXXX military. I enrolled into XXXX university paying for my tuition using my XXXX XXXX. XXXX. It was never stated that due to me being XXXX XXXX my XXXX XXXX would not cover the entire balance of my tuition. Once I was XXXX and disenrolled in the university I received late statements stating I owed the University tuition fees. After going back-and-forth with the Finance office I was told and have a statement saying that once Payment was made that the negative report will be removed from my credit and the account will be in a satisfactory condition. After I made the final payment the negative credit mark was left on my report. I have dispute it the count on numerous occasions and the creditor has not honour the obligation made with the University.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information Incorrect Current Address : - XXXX XXXX XXXX, XXXX, FL XXXX Employer - XXXX XXXX XXXX  Employer - XXXX XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Incorrect DOB : - XXXX  Incorrect Name : - XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payments on the dates below : 30 days late as of XXXX XXXX I am not sure how this happened. I believe that I made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - XXXX XXXX - XXXX Unknown - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Debt collection

I have sent XXXX letters to Portfolio Recovery to inform them the debt was due to Identity Theft but they have ignored it. The last letter was sent on XX/XX/2022 through certified mail and they did receive the letter. Since informing them of the identity theft they have begin to send XXXX to XXXX letters to my address a week trying to collect money for a debt that is not mine. And they have yet to remove the debt from my credit reports after proof of identity theft. This company has repeatedly harassed me over the years through phone and now through mail. I no longer want to be harassed for a debt that is not mine.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Reported Late Payments and Request for Investigation Process Explanation Dear CFPB, I am contacting you regarding inaccuracies I identified in the reporting of late payments for my FB & XXXX account. These errors negatively impact my credit profile, and I request an immediate investigation and correction. Below are the account details and specific discrepancies : Account Details : Creditor Name XXXX XXXX XXXX XXXX  Account Number : XXXX High Balance : {$3100.00} Balance Owed : {$0.00} Credit Limit : {$2800.00} Account Status : Open Payment Status : Current Date Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX and XXXX ) Date of Last Activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Date XXXX : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Last XXXX : XX/XX/XXXX ( TransUnion, XXXX ), XX/XX/XXXX ( XXXX ) Discrepancies Identified : Late Payments Reported : TransUnion : 30-day late payment for XX/XX/XXXX, 60-day late payments for XXXX and XX/XX/XXXX. 
XXXX : XXXX late payment for XX/XX/XXXX, XXXX late payments for XXXX and XX/XX/XXXX. 
XXXX : XXXX late payment for XX/XX/XXXX, XXXX late payments for XXXX and XX/XX/XXXX. 
Inconsistent Reporting : The payment history provided by the credit bureaus is inconsistent with my actual payment records, which confirm that all payments were made on time as per the terms of the account. 
The account status remains " Current '' across all three credit bureaus, which contradicts the reported late payments.

Supporting Evidence : I have attached copies of my payment records along with the relevant sections of my credit report to highlight these discrepancies. These documents clearly demonstrate that I have fulfilled my payment obligations on time.

Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports must not contain inaccurate or incomplete information. Additionally, credit reporting agencies are required to conduct a thorough investigation of disputed information and promptly correct any errors as per 15 USC 1681i.

Requested Actions : Correction of Errors : Update the payment history for this account to reflect " Paid As Agreed, Never Late. '' Investigation Details : Provide a detailed description of the investigation process conducted, including the steps taken to verify the accuracy of the reported late payments.

Proof of Late Payments : If the late payments are found to be accurate, provide verifiable documentation supporting this claim, including dates, amounts, and communication records.

Please address this dispute within the 30-day timeframe stipulated by the FCRA. Failure to do so will be considered a violation of my consumer rights. I trust that you will handle this matter promptly and ensure the accuracy of my credit report. 
Thank you for your attention. Should you require any additional information, please do not hesitate to contact me. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  ASKED BUREAUS TO NOT REPORT DATA FOR XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. BUREAUS NEED TO FOLLOW REQUESTS AND DELETE. THIS IS NOW PAST DUE.
Product: Mortgage

After XXXX XXXX XXXX XXXX and then divorce I fell behind on mortgage and went into foreclosure. I spent countless hours, filled out countless requests for modification as I had a life changing event, was always denied, in the end though I was given the option of short sale and deed in Leui but they never actually gave me the opportunity and foreclosed at sheriff sale right away. I filled an appeal and had a pending appeal when COVID hit. My loan was an fha loan. With the fha moratorium I was suppose to be protected from any further proceedings or sales or evictions, as I still lived in the home and working as a nurse frontline worker. I tried for a long time spent a lot of money I couldnt afford to save my home and wanted to keep my home. Paramount residential mortgage group went ahead and held a XXXX auction on the home in XX/XX/XXXX, the home was sold to a couple of men who flipped homes for profit. The auction should have never taken place. After the auction I was harassed and taken to court to be evicted, I was forced to pay XXXX  of dollars in rent and ultimately was evicted in XX/XX/XXXX because I would not agree to never taking legal action against them. They evicted me in 4 days from the day they wanted me to agree to those terms, with the fha moratorium still in place. What the mortgage company and the purchaser did to me and my kids was wrong and unethical. The court system failed me, the whole system failed me. I cant let them just get away with this. They have to answer to this and be forced to give me and my kids something for what we were put through especially during a pandemic. We had nowhere to go. We should of had protection from this happening just like everyone else. I need someone to do something about this. This is a federal moratorium and the federal government at the end of the day could do something about this. Please help, they shouldnt be allowed to get away with what they did. This event still haunts me till this day, its something I will never get over.
Product: Debt collection

Company XXXX XXXX Opened XX/XX/year> Amount XXXX Asked for proof of debt When asking they wouldnt send me information but keep demanding a payment one agent threatening me by saying I will go jail if I dont pay but they wont send me the information I asked for
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I sent a letter to XXXX regarding a First Point collection account that was reporting an error and was inaccurate from what I understood for {$310.00}. I requested this to be investigated because it was inaccurate and to remove this item from my report. I also requested information regarding this, and I never received any additional information only that the collection account was verified. 

After mailing my letter to the XXXX credit bureau, I also sent a letter directly to First Pont on XX/XX/2023, which they never responded to me with anything that verified the collection account or non of the requested items I requested in my letter. 

Therefore, I sent another letter back to XXXX requesting their description of their investigation which they received on XXXX, and their XXXX to respond to that was up on XXXX.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. I've been incarcerated since XX/XX/year> and im unaware of the said accounts. Please remove this account from my credit report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My lease which has started on XX/XX/XXXX  has disappeared from my credit report in XX/XX/XXXX  and has not shown up since. Ive checked all credit bureaus : XXXX, XXXX, & TransUnion and my lease or payment history is not shown. This is effecting my credit score and payment history, plus it has drastically dropped my score due to the hard inquiries Ive received when applying for said lease. My objective is to have my loan/payment history updated with the CORRECT information and also have said inquiries removed permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been XXXX for 5 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries on my credit report that i wish to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All the above inquiries is unauthorized and should be disputed from my XXXX Report and all 3 Credit Bureaus XXXX XXXX And TransUnion Under the laws of the FCRA ( 15 USC 1681-1681u ) these unauthorized inquiries and accounts must be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports with each company they show a Repo for my car with XXXX XXXX XXXX. This car is in my possession. I am trying to work on my credit but this is holding me up from jobs and everything. I need this addressed and fixed please.
Product: Credit card

Hello, XX/XX/XXXX someone applied, opened, or attempted to open a loan with your company. As a result your company placed a credit inquiry on my reports even though I was not the person who applied, opened, or attempted to open service. 
As stated in the complaints. I have fraud alerts and freezes on my credit because I was a victim of identity theft XX/XX/XXXX. As a result my credit report as alerts on them until XX/XX/XXXX. Im not sure how someone got a hold of my information and attempted to apply for credit.
Product: Checking or savings account

On XX/XX/XXXX, I wrote a check for {$660.00} to XXXX XXXX. The check cleared XXXX XXXX  on XX/XX/XXXX. However, I discovered that someone fraudulently endorsed my check and deposited the funds in their account at Wells Fargo Bank. On XX/XX/XXXX, I filed a complaint with XXXX XXXX  to recover my money. On XX/XX/XXXX, XXXX XXXX  wrote to me that they were closing my claim because Wells Fargo Bank never responded to them.
Product: Credit card or prepaid card

Received in the mail with correct name and address. It says, Welcome to XXXX XXXX by XXXX. XXXX FDIC XXXX Activate your card XXXX set up direct deposit XXXX get paid up to 2 days early Then it has a form to fill out asking for amount of my paycheck I want to deposit. It has my name already filled out, but no account number. Just asking for a signature. 
It also came with a seamingly nice card. With a chip enabled. It a XXXX with an expiration date. It does also have a card number and a security code, which is concerning. It says debit on the card. Also says MoneyLion. With a sticker and a number to call to activate. 
I don't want to contact them and give them more information.
Product: Credit reporting or other personal consumer reports

A hard inquiry by XXXX on XX/XX/XXXX, at XXXX XXXX XXXX XXXX, XXXX, FL XXXX, initiated by XXXX. 

A collection account opened by XXXX XXXXXXXX XXXX on XX/XX/XXXX, with an original amount owed of {$1200.00} from XXXXXXXX XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

A collection account opened by XXXX XXXX on XX/XX/XXXX, with a balance of {$2400.00}, under account number XXXX XXXX. 

An installment account with XXXX XXXXXXXX XXXX XXXX, opened on XX/XX/XXXX, with a high credit of {$720.00}, under account number XXXX XXXX 

An installment account with XXXX, opened on XX/XX/XXXX, with a high credit of {$2500.00}, under account number XXXX XXXX 

An installment account with XXXX XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$15000.00}, under account number XXXX XXXX. 

A revolving account with XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$2300.00}, under account numbeXXXX XXXX XXXX 

A revolving account with XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$180.00}, under account number XXXX XXXX. 

A revolving account with XXXX XXXXXXXX, opened on XX/XX/XXXX, with a balance of {$5300.00}, under account number XXXX XXXX. 

A revolving account with XXXX XXXX opened on XX/XX/XXXX, with a balance of {$460.00}, under account number XXXX XXXX.
Product: Debt collection

Comenity bank called my relative multiple times and told them that I owe a debt.