23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I used a credit monitoring service and my credit monitoring service informed me that a couple of months ago Transunion had an error in their systems and what happened was they deleted a bunch of inquiries from consumers credit reports and about a week later they reinserted those inquiries back onto those reports but they did not follow the proper procedures to do that. The following inquiries were deleted and reinserted XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX I called TransUnion and Transunion gave me a file XXXX instead of deletion of inquires Section 611 of the fair credit reporting act states that anything deleted from credit report and reinserted needs a five-day notification after that item is reinserted and that did not happen. I was a victim of their inquiry issue and i want the above stated inquiries removed of my credit report. I HAVE A SCREEN SHOT OF WHEN I HAD NO INQUIRIES ON MY ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX, 2018, Santander Consumer USA has falsely and illegally reported inaccurate information onto my XXXX XXXX Credit Report. Due to that fact my score has decreased tremendously of 15 points. Upon my personal investigation of going over my credit reports ; Santander Consumer USA has reported that I have missed payments when in fact that is n't accurate, Santander Consumer USA has reopened the account and added more average age time to my report when in fact that information is inaccurate and that information has never been on my report since the time of the repossession, Santander Consumer USA has increased by {$2100.00}. This is literally the 3rd time Santander Consumer USA has increased the amount on the account ; illegally. Santander has also listed the loan terms as 76 months. Santander has never sent verification when they said they sold the vehicle. Nothing in writing.This problem needs to be in fact not re investigated, this needs to be deleted. They are destroying my credit and making it seems as if I 'm not credit worthy and it is n't right at all.
Product: Debt collection

I would like to request an investigation into the practices of Ad aAstra. I have repeatedly asked them to remove their account from my credit report as it is not valid an they simply refuse and are putting me through loops. I do not require any further action against this account that has been placed against me for years. It is amazing to me how they continue to deny deny deny ever harassing me via telephone, they are refusing to acknowledge my dispute of these accounts fro the past XXXX months, they are refusing to accept the fact that I am aware that they break laws that affect consumers ' lives and they do not care! I am not going to go forth with any more communication with this company. I have files every necessary document and I have forwarded everything through the XXXX credit reporting burrows asking them to forwards my findings and my dispute to this company. I have also filed a dispute via fax and mail with Ad Astra and have NEVER heard back from them after they kept verifying the inaccurate an fraudulent accounts to me over and over again and never ever telling any of the bureaus why, how and when these were verified or how they were accurate. I do not understand how and why they continue to make me relive this nightmare and this horrible account under my name. I am a new graduate I am trying to get my life back together and I have run out of options and this company is trying to shut me up shut me down and push me into a corner over an account that was never opened by me. I have to start my life and they are holding me back. I have been denied credit cards from XXXX, XXXX and a car loan because of this collection! I am so appalled at their practices and I will absolute take this case as far as I can go. I am certain I am not the only XXXX in this situation. And please DO NOT deny the fact that you use robotic machines to leave message after I refused to pick up your phone calls. You are certainly guilty of that and in my state, of California, that is not something you are allowed to do. And thank XXXX for this website an their twitter account, or else how would i know!?
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Experian Credit Bureau has been contacted via email disputes, written and certified receipt to correct specific data reporting inaccurately on my clients personal credit report. The lending agency has verified directly with us that the account is CURRENT and PAID AS AGREED and CLOSED. See attachment. 
EXPERIAN has confirmed the data was finally updated and corrected on my clients credit report as of XX/XX/XXXX. See Attachment. 
As of XX/XX/XXXX XXXX denied credit based on EXPERIANS credit report pulled today and several other creditors over past 60 days. Accurate and current credit reports are not being provided to the lenders. Conflicting Credit Reports are being provided to the Consumer that do not match the data being reported to the lender. In this case, one of the lender 's is XXXX XXXX ID App XXXX. 
The Credit Score I received today for Experian is XXXX ; XXXX XXXX ; XXXX XXXX. The Creditor 's Scores are substantially less and not the same credit file. ( see attached scores ) The willfully negligent information provided by EXPERIAN is in violation of the FAIR CREDIT REPORTING ACT and punishable by fines and punitive damages to my client. We expect inaccurate information highlighted on the attach Credit Report to be provided to all Lenders Credit Report 's pulled within the last 30 days. Specifically we demand XXXX XXXX be provided a current and accurate report no later than three business days in order to prevent additional punitive damages to be filled with a law site with The KY STATE ATTTORNEY OFFICE. 
our file. See XXXX Credit decline letters attached and the incorrect Credit Report pulled by the lender ( XXXX XXXX ). 
Either the Credit Bureaus are reporting incorrect reports to Creditors or the Creditors are pulling incorrect reports. This negligence is NOT LAWFUL and will not be tolerated by consumers. Credit REPORTING Agency need to be held accountable for their negligent actions and willful misconduct towards the Fair Credit Reporting Act.
Product: Vehicle loan or lease

I have a car in lease. I signed for a loan XX/XX/2019 at XXXX..went back to dealer XX/XX/XXXX XX/XX/2019 .I asked him to cancel loan it was to much. That I needed to extend the lease. So I extended lease with XXXX XXXX. Filled out paperwork and explained what happened at dealership. This was done XX/XX/2019.I was told not to worry they will extend my leases. They receive my money and the contract. But on XX/XX/2019 the dealership with through with the loan. So XXXX XXXX told me because they received the money before mines they took the check. But they also took my check and cashed it. .for my lease extention
Product: Debt collection

Before Source Receivable Management bought this account, I had disputed this account with two other collection agencies. Both XXXX XXXX and XXXX XXXX agreed to stop collection on this account due to unverifiable documents. I ask Source Receivable Management for supporting documents that state that this account belongs to me and if it is accurate and nothing has be received. I disputed on line and also in writing. They have reported to the bureaus that the account has been verified but no documentation has been presented. How can they verify if two other companies could not?
Product: Credit card

I opened a Citi Mastercard in XXXX with the agreement that only the prime rate would be charged. 
This has been true up until XXXX sometime when they tacked on discretionary charges making it 18.49 percent instead of the current 8.5 % prime rate. 
I thought that during the Obama administration it was prohibited for CC companies to unilaterally raise interest rates for bogus reasons. 
I want to mention, there was never a late payment in all these years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided several times proof of incarceration to Experian & XXXX and also the creditors, to show I was incarcerated during the time these accounts were established. 

Please see the accounts reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX and also inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX Account Name : XXXX XXXX  Account Name : US DEPT. OF EDUCATION/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I received a letter from bank. Bank used part of name in signature of XXXX to forge a letter to customer citing an invalid credit file from staff improper use of credit report. I'm from XXXX so company used part of the beuitiful american shape of signature to perceive XXXX translated letter from artificial intelligence of a XXXX writer that has a XXXX XXXX XXXX that's is not of star spangled banner with forbidden accents in reading name left from right is improperly using customer name of consumer report without full spelling to produce XXXX XXXX without a clear XXXX XXXX XXXX XXXX ; than they keep applying unauthorized accents to name ( customers inner voice ) indicated with abbreviation applied for service of open credit account. Bank is stealing customers arms of the republic to portray a member of the workforce and deny customer account services from applying accents to customer name out of signature of XXXX designate XXXX by social security number. Bank staff did not use correct association XXXX XXXX XXXX in wiring due from artificial intelligence translator unable to recognize birth-given name and company provided response from translator without considering customer 's open credit account of grandfather XXXX. I gave company website social security number and staff is not a competent XXXX person from XXXX and is a XXXX XXXX XXXX acting in hate to clear XXXX XXXX XXXX XXXX XXXX  for their XXXX XXXX XXXX  society Using citizens own arms against citizen than acting as if my inner voice doesnt have a given name.The XXXX XXXX people of XXXX keep denying grandfather XXXX account of US. They keep trying to rename my inner voice that's indivisible of the US flag from grandfather XXXX XXXX  that's called open credit account. I have not received account services since providing social security number to web page that Is just a piece of paper of all of my stuff. In the united states a name is a man 's innervoice. You don't know me. I am from the dark ages. I keep getting challenged by XXXX accents of XXXX that's not registered with XXXXXXXX XXXX XXXXXXXXXXXX XXXX . I have a rich and powerful name of grandfather XXXX & staff refuses to use credit report properly.
Product: Money transfer, virtual currency, or money service

On XX/XX/19 at XXXX XXXX  a transfer in XXXX XXXX ( facilitated by PayPal ) was initiated to a friend. This friend was notified a transfer was waiting but when he tried to receive it, an error as given saying he needed to update his debit card. The debit card linked was currently valid however he re-entered the information required. The system seemed to take the update but then reverted back to asking again for an update to the credit card. 

My friend filed a report within XXXX XXXX after 24 hours asking for help and I filed a separate report 48 hours later. It's now been 4 days and the money is held up, I can't retrieve it and he can't receive it.
Product: Credit card

I have had a long standing dispute with Goldman Sachs Bank and they absolutely lied in their response to the CFPB. they lied and said that I made the complaint after the warranty period and they refuse to return emails or calls. they have never provided me with the merchants response despite the fact that I have asked over and over again please help me resolve this Goldman Sachs in their response to you wrote a LIE and they have the evidence to prove that they wrote a lie they acknowledged my evidence and they wrote a lie in direct conflict with the evidence that they acknowledged
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent out a letter to all 3 credit bureaus ( XXXX, Equifax, XXXX ) about them reporting several inaccurate names and addresses. I received a response from XXXX on XX/XX/2022 that had an issue date of XX/XX/2022 acknowledging the receipt of my letter but questioning if I had sent the letter or had help. I decided to call of 3 on XX/XX/2022 to request that the incorrect names and addresses be removed. XXXX said they removed all incorrect names and addresses. Equifax said they removed all incorrect names and addresses. When I called XXXX, I spoke with a representative XXXX stated to me " Though you say that name is not yours it is being reported by a creditor and therefore we can not remove that name. '' I stated, " but it's not my name '' and he reiterated that he can not remove the incorrect name. After going back n forth for 10 minutes I asked if I could speak with his supervisor. He continued to insult me and tell me I don't know my laws and refused to put a supervisor on the phone before asking me to hold and then hanging up after placing me on hold.

According to 15 USC 1681s-2, reporting information that a consumer reporting agency is aware is inaccurate after notice by consumer that the information is inaccurate violates consumer rights and therefore XXXX is not in compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to clear up these inaccurate accounts on my credit profile for some time now. and its becoming a burden on me and my life. I dont understand how my identity can be compromised and I have to live with it, even after trying to clear the matter up, by writing letters and and coming on here to make a complaint and still no results, I demand some answer. As a consumer its my right under the FCRA that I get these answer Since XX/XX/2021 I have been reaching out and this is my last attempt, or I will be seeking legal aid
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal has been a mental and emotional distress on me and my credit file. This account was not opened by me, nor have i engaged in any type of arrangement with them as falsely stated in the comments on my report. And more importantly this account was removed from my report in XX/XX/XXXX, but then reinserted in XX/XX/XXXX, And as a general practice no company shall reinsert any accounts without notifying the consumer within 7 days. And this did not happen. I'm demanding that this account ( Navy Federal ) be removed and blocked from my credit file in accordance with the laws of The FCRA.
Product: Money transfer, virtual currency, or money service

Navy Federal charges excess fees, and overdraft fees, discrimination on loan accounts secured and unsecured
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

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Product: Mortgage

XX/XX/XXXX Certified Mail : XXXX XXXX XXXX XXXX XXXX To : XXXX XXXX Chief Executive Officer and President of Select Portfolio Servicing SELECT PORTFOLIO SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : SPS XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX MIN # MIN XXXX Property : XXXX XXXX  XXXX XXXX, XXXX Fl XXXX DISPUTE LETTER I am writing you to dispute the following information found in my mortgage. 

Since XXXX  XXXX XXXX was the servicing Bank of my loan, mi mortgage with XXXX XXXX XXXX XXXX, was erroneously assigned to a Pooling and Servicing Agreement that have never been part of XXXX XXXX XXXX XXXX assets, according XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : 1. On XXXX XXXX  XXXX XXXX erroneously assigned XXXXXXXX XXXX MIN # XXXX. Mortgage was executed on XX/XX/XXXX by XXXX XXXX and XXXX XXXX XXXX XXXX, the assigned erroneously to XXXX XXXX XXXX Home Equity, Series XXXX by servicing bank, XXXX XXXX XXXX . On XXXX the servicing was transferred to SPS. 

I am therefore requesting that SELECT PORTFOLIO SERVCING open an investigation regarding this matter and correct, update my mortgage information, as quickly as possible and stop any WRONG FORECLOSURE # XXXX active, under such false information. 

Enclosed you will also find copies of XXXX XXXX MIN # MIN XXXX. 

This error has caused innumerable damages to me and family. 

Failing to fix this XXXX XXXX information in the above matter you may be liable for your errors under your servicing from XXXX to present. 




XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I paid off the full principal on my AES loan as it appeared in the online portal : Payment Amount : {$5000.00} Payment Date : XX/XX/XXXX Since this time, I have continued to receive email bills from AES for {$0.00} each month. When I searched the AES website for why this was happening, there was no option to payoff or finish the loan. The loan did not show a balance in the online portal. In XXXX of XXXX, five years later, AES charged me {$95.00}. I would NOT have left the loan with a {$95.00} balance if I knew that amount was still owed. I did not receive any mail notices for the bill. I received an email but it looked the same as all of the {$0.00} bills I've received for 5 years, which my email account filed to spam. I didnt know about this bill until I checked my credit score for a loan application on XX/XX/XXXX, six months later. When I logged into the AES portal, the payment history confirmed what I remembered : that I paid the full principal as it appeared in the portal. Unfortunately I do not have screenshots of this because AES has since removed my payment history from the online portal ( because I closed the loan ). 

On XX/XX/XXXX I paid this bill in order to stop the bill from damaging my credit more than it already has, even though I'm still unclear as to why this remaining balance wasn't visible in the online portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This debt is for a credit card from XXXX XXXX XXXX. I sent a letter to the bank in XXXX explaining I could not pay the bill due to fees every month, balance increasing due to fees I could not catch up. I hoped they would work with me. All my paper work is gone from that year. XXXX & XXXX I received a letter from LVNV Funding LLC. I wrote them explaining I did not have a job and could not pay. I never heard from LVNV again until XX/XX/XXXX. LVNV Funding stated they were suing me, {$2200.00}. They won by default. Since it was so old I have no paperwork to defend myself. XX/XX/XXXX it appeared on my credit report noting account opened in XXXX. That year is wrong. Like I said this account is from XXXX. This account is so old I have no way of retrieving information from the bank due to the bank being sold to another. 
LVNV Funding is being very deceptive. They should not be allowed to hold on to a collection for 9 years send a letter demanding money and then put it on my credit report with a notation, account opened in XXXX. LVNV continue to contact me requesting money. Now they have my email. XX/XX/XXXX I received an email from LVNV requesting money. XX/XX/XXXX I received an email from XXXX XXXX XXXX collection working on behalf of LVNV Funding LLC. XXXX is requesting {$2200.00}. XXXX is demanding a reply within 30 days to set up a payment plan. Is this going to continue until I die? 
I'm XXXX and live on SS. I have no home of my own, no car of my own, no money. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX