23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX - XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX -- INQUIRIES -- XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

sharing my information without my XXXX  which identity theft consent
Product: Credit reporting or other personal consumer reports

Impossible to freeze credit. XXXX can not verify me and phone option to freeze doesnt exist. Had no issue with same info with other credit reporting companies.
Product: Vehicle loan or lease

The company demanded payment of vehicle one day before payment was due over the phone, dealership was trying to take payment and credit card info. 
Threatened to repossess if I didn't pay it by XXXX XXXX next day or give then in credit card info, was never late with paying them. Huge down payment valid insurance policy On the day of Payment was due.

They restricted my payonline account, wouldn't take my payment over the phone Said I had to come into the dealership and pay in person. Purposely. Repossessed my while on my way to make payment, While at the dealership would not take my payment the day of payment was due. Other item in the vehicle were missing including a tittle to another car. 
While trying to pay for the vehicle They already had it back on there sales floor and already on another test drive whith another person while they were on that test drive in that vehicle they crash and wreckage that car. Total loss Refuse to hand over money I've already spent on the vehicle.
Product: Checking or savings account

After a 7 week free trial, of something called XXXX XXXX, XXXX sent me an email stating the free trial was over and charged me {$180.00} on XX/XX/XXXX. I had thought it was for an app I had recently used, but was mistaken ( although unknown to me at the time ). 

A lot was going on at the time due to moving XX/XX/XXXX, plus personal injuries sustained in a car accident. 

I was extremely busy when the free trial expired, so I forgot to cancel until the day after I saw a XXXX email stating they were charging me. 

The same day I saw the XXXX XXXX, I contacted them online to try canceling the charge. There was a lot of confusion. XXXX agents couldn't explain to me what XXXX was, and I could only guess at what I thought it was. My conversation was online via phone, and it got dropped when I tried following the agent 's instructions. 

XX/XX/XXXX, case # XXXX was opened and supposed to have dealt with the issue, but it never got resolved because the agent didn't put in the information. 

XX/XX/XXXX I received an email from XXXX stating the case was closed, so I thought the refund would be in process. 

XX/XX/XXXX at XXXX XXXX., I spoke with a XXXX agent at XXXX. The agent stated the charge was for IT technical support and is an online subscription for small to medium size organizations. I told the agent I am not a business, and I've never used tech support for my home computer. It would be easier to simply reset to manufacturers settings. 

Finally, I was able to contact an agent, XXXX, who stated the refund shouldn't be an issue, and that she saw the prior agent had neglected to issue the refund. 

Santander has continually denied the refund, even though XXXX agrees I should never have been charged, that an error occurred on XXXX 's part. 

XXXX, the last Santander rep I spoke with on XX/XX/XXXX at XXXX XXXX. stated the reason I was denied was because I waited tooo long to notify XXXX of the charge, even though I provided Santander via email with evidence showing I originally contacted XXXX the day after the charge was applied to me. 

This has been an exercise in frustration and futility.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name XXXX XXXX  XXXX XXXX : Account # XXXX, Account name XXXX XXXX XXXX XXXX : Account # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXXXXXX, Account # XXXX, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, my husband and I were checking our score due to needing to find another vehicle. We noticed an account with Security National ( SNAAC ) was considered CLOSED and showing no payments for all of XXXX were made at all. This is inaccurate as we have proof of payment history and the account is very much still open. My husband was XXXX during a time the vehicle was repoed for non payment in XXXX, but we fully paid the amounts own for those months in XXXX of XXXX. I called SNAAC and they said that regardless if were in good standings with them, they cant go back and show its still active/open. I called XXXX in XXXX of XXXX and filed a dispute. They came back reporting that SNAAC will not fix the issue and that they said weve made one payment in XX/XX/XXXX and never fixed the year of XXXX. I spoke with a supervisor of SNAAC today, XXXX XXXX, and he said there was not much he could do and that they will not show the status as active/open. This is TRULY hurting my credit score and I dont feel they are treating us fairly. I feel as if we shouldnt have to pay for a loan if its not going to help our credit score and they need to pay for the detrimental damage they have caused to myself, my husband, and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( ACCOUNT # XXXX ) IS LISTED ON MY EXPERIAN TRADELINES AS AN ADVERSE ACCOUNT AND REPORTING 30 DAYS LATE IN XX/XX/2019. THIS ACCOUNT WAS PAID ON TIME. I CONTACTED THE COMPANY AND DISPUTED THIS ACCOUNT WITH XXXX  I SPOKE WITH A REPRESENTATIVE AND HAVE RECEIPTS TO WHERE THIS ACCOUNT WAS PAID ON TIME. 
WHEN I DISPUTED THE ACCOUNT WITH EXPERIAN THEY STATED THAT THEIR INVESTIGATION CONCLUDED THAT THIS REPORT WAS BEING REPORTED ACCURATELY. THERE IS NO WAY THAT THEY COULD HAVE INVESTIGATED MY DISPUTE FAIRLY BECAUSE THEY WOULD HAVE SEEN THAT THIS ACCOUNT IS BEING REPORTED IN ACCURATELY AND THAT THE CREDIT UNION HAS ACKNOWLEDGE THAT THIS ACCOUNT WAS PAID ON TIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly a charge-off in the amount of {$1800.00} on the XXXX XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) The vehicle was involved in an accident and was deemed a total loss. I had GAP insurance which covered the remaining balance. I have attached a copy of the GAP insurance policy from XXXX XXXX. There is no outstanding balance due and therefore there is nothing to charge-off. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Student loan

ACS has been applying my entire monthly payment only to interest and allocating XXXX to the principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2019 XXXX and XXXXx reported a Medicredit , Inc. collection account against my file. After numerous failed attempts to discuss the matter with Medicredit I disputed the account with Medicredit by faxing a validation of debt notice pursuant to FDCRA as well as filing a complaint with CFPB. I also disputed the Medicredit account with XXXX and XXXX on XX/XX/2019 with several supporting document follow ups citing numerous statutory reporting errors ( XXXX. File No. XXXX # XXXX XXXX. 

On XX/XX/2019 Medicredit responded to my CFPB complaint stating that on XX/XX/2019 they directed XXXX and XXXX to remove the account from my credit file and that they are no longer handling the account. A copy of Medicredit 's CFPB response is attached. 

On XX/XX/2019 the Medicredit debt was still appearing on my credit file at which point I called spoke with a representative at XXXX explaining that Medicredit directed the account be removed from my file as well as faxing to XXXX a copy of Medicredit 's CFPB response. The XXXX representative who was clearly reading off of prepared text and did not have any type of grasp of the English language said that the account would stay on my file for seven years then hung up the phone. 
As Medicredit has directed the credit reporting agencies to remove the Medicredit account from credit file and the agencies refusing to comply, XXXX and XXXX are now knowingly reporting false information against my file to which fraudulent punitive damages can be awarded in litigation.
Product: Credit reporting or other personal consumer reports

My loan went from XXXX to XXXX ( {$57000.00} for undergraduates ) maximum Student loans Total balance : {$59000.00} DEPT OF ED/AIDVANTAGE Balance {$4000.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$6100.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$5100.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$7000.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$1500.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$5100.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$7400.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$3800.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$5500.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$1500.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$1000.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$140.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$830.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$3900.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$5900.00} Balance updated XX/XX/year> 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies : ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person this creditor has violated my rights under 15USC 1681 Section 6o2 states I have the rights to privacy.15USC 1681 it also states a consumer report agency can't furnish an account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX XXXX was deleted almost two years ago and readded 3 months ago. This account is not mines and I have disputed in the past. 

XXXX XXXX XXXX {$4100.00} Closed Inquiries below : XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX  XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX All Banks XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans XXXX 
XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Auto Dealer Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX In Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a FEDERALLY PROTECTED CONSUMER WITH FEDERAL PROTECTION RIGHTS. I AM TIRED OF WAITING ON EQUIFAX TO DO WHAT THEY ARE SUPPOSED TO BE DOING PER THE FEDERAL CONSUMER REPORTING ACT THEY ARE DAMAGING MY CONSUMER REPORT. THE FCRA GUARANTEES THAT I AM TO HAVE A SUITABLE TO ME CONSUMER REPORT. 1.On the grounds of 15 USC 1681s2 ( B ), the information I listed should all been deleted after all the prior investigations 2.On the grounds of 15 USC 1666B TIMING OF PAYMENTS ALL LATE PAYMENTS SHOULD OF BEEN ALL REMOVED FROM EACH ACCOUNT I LIST BELOW. 3. UNDER 15 USC 1681C-2 BLOCK OF INFORMATION these accounts I listed should of all been deleted and not reporting on consumer report. 4.Under FTC GRAMM LEECH BLILEY ACT these unauthorized inquires I listed below should all be deleted 5. This address where I DO NOT RESIDE AT should be deleted. REMOVE OLD ADDRESS XXXX XXXX XXXX XXXX XXXX AZ XXXX. REMOVE THE FRAUD VICTIM ALERT. I DO NOT WANT IT REPORTING ON MY CONSUMER REPORT. REMOVE ALL LATE PAYMENTS SHOWING IN ACCOUNTS XXXX XXXX XXXX XXXX XXXX ACCT # XXXX IS REPORTING. REMOVE ALL LATE PAYMENTS. XXXX XXXX ACCT # XXXX IS REPORTING REMOVE LATE PAYMENTS. XXXX XXXX ACCT # XXXX IS REPORTING LATE PAYMENT, REMOVE THESE INQUIRIES I DID NOT AUTHORIZE XXXX XXXX XXXX XX/XX/21 DUPLICATE, XXXX XXXX XXXX XX/XX/21 XXXX XXXX XXXXXX/XX/21. I have disputed these issues ( 3 ) times prior and have CFPB DISPUTES AS PROOF and every time it all came back " verified " but I NOT ONCE received METHOD OF VERIFICATION DETAILS REQUIRED BY THE FCRA needed to be continuing to report on my consumer report. Under the FCRA LAWS I LISTED THESE ARE ALL GROUNDS FOR DELETION FROM MY CONSUMER REPORT. BECAUSE EQUIFAX WILL NOT COMPLY TO THESE FCRA LAWS. I NEED THE CFPB TO STEP IN POLICE, AND ENFORCE, SUPERVISE AND HOLD EQUIFAX ACCOUNTABLE. THEY DO NOT COMPLY TO THESE FCRA LAWS 15 USC 1681s2 ( B ) ,15 USC 1681C -2,15 USC 1666B. EQUIFAX DOES NOT COMPLY WITH GRAMM-LEECH-BLILEY ACT.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Currently my account is in restricted status and I have been in constant contact with customer service, my local branch and have a representative XXXX from the executive office looking into the case. I have been trying to resolve this issue since Saturday XXXX, 2020 ( it's now Tuesday XXXX, 2020 ). Each representative of Chase has led me into rabbit hole after rabbit hole of holds that last for hours, explanations that hardly lead me to any resolution and none of them have asked for further information or documentation that could lead to any confirmation of my transactions. 
My account is being closed without prior notice or any direct contact to myself. Im being told that there is a possibility that I may only be eligible for {$1500.00} total when my account had a balance of over {$10000.00} when I had last checked. I spoke with my Chase XXXX agent XXXX and she said that the funds still need to be verified but did not ask for documents nor provided a secure link to provide documents to assist in verification. I asked if her negligence meant that she was alleviating herself and the company of any responsibility pertaining to my case and she seemed confused and stated that just even though the call was escalated, there was no way she could guarantee that the issue could be resolved. It is unacceptable that they are attempting to take all of the government assistance that Ive received during a pandemic and can not verify that those funds are indeed mine. And I know that there is a class action lawsuit pertaining to the company favoring preferred clients ( XXXX XXXX ). I then asked XXXX to assist me in securely accessing the {$1500.00} she had offered as my only available funds ( which barely covers my rent ) and she said that she could possibly either transfer it to my local branch ( which I listed ) or that I could get it through the mail. I reminded her that because of the current issues that the USPS is experiencing Id require a tracking number and a quote on arrival date. She could not provide either and rudely said she would call me back. That call ended at XXXX XX/XX/2020 and I have not heard back from her ( so she lied to avoid further confrontation ) and have not been able to directly speak to any local bankers from my local branch ( which again just makes all of this more difficult ). So as of now Im waiting for one of the Nations biggest banks to decide that my problems are worth their attention and as of now no one has made me feel even remotely confident that they are competent to do so.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX  Account number : XXXX XXXX  XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX  Account number : XXXX XXXX  Account number : XXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX XXXXXXXX Account number : XXXX XXXX  Account number : XXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX  XXXX Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) Account number : XXXX
Product: Mortgage

The company didn't disclose until after signing a contract that a judgment would hold up the closing process. About 15 days away from closing I need to pay {$6800.00} in a civil judgment in one payment and provide them proof of it. Since it was short notice I had to sell my car and not spend any money for the closing month to come up with it. 

The loan XXXX XXXX XXXX wanted proof of the sale, title and bank statements. The collection agency refused to provide any proof of what I owed and everything was over the phone. I told XXXX XXXX and she told me that I couldn't provide legal advice. She said to speak with my real estate agent. I asked her " Who dropped the ball on this? ". She told me no one and that I asked in the prequalification questionnaire. I said that the company had all my information including my name and address incorrect so I never about the judgment against me. 

Also, what was the point of asking me if Zillows underwriter was going to check anyway toward the end of closing? So after paying the deposit of {$2200.00} plus wire fee, home inspection {$320.00}, termite inspection {$81.00} and a loss of {$1000.00} from my car sale. Im out almost {$3800.00} for sometime that could have been prevented. I've been stressed out throughout this whole process and the best I was offered was excuses. I want to share my experience so that this doesn't happen to anyone else.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX
Product: Debt collection

I am the victim of identity theft. Someone utilized my name and former address to acquire credit then debt while I was incarcerated. I have called Caine and Weiner many times in an effort to rectify this and they have not been helpful. I asked for debt verification AND validation three times, via certified/read receipt mail sent on XX/XX/XXXX, and again XX/XX/XXXX. They respond by merely sending me a copy of the last bill to that address. I have asked for in writing to send me proof of debt validation from XXXX. I asked for who the name of the person was that they spoke to at XXXX, and the date. I asked for documentation to state they can pursue this debt. A copy of the agreement stating they are permitted to pursue me for this fraudulent debt. I asked for the original contract between XXXX and the " supposed '' debtor. I have yet to receive anything I requested. According to the FCRA, they are not fulfilling my requests from the consumer. I even called Caine and Weiner and offered to pay this debt in full if they please remove it from my credit report as it is damaging my credit which I am trying to rebuild. They would not agree to do so. Please, this is my second complaint against Caine and Weiner. I am a consumer being wrongfully damaged. I am even willing to pay the erroneous debt in full since I can afford it in order for it to go away since it is costly me more financially the longer it remains damaging my credit.. Please assist me in this matter.