23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently am being reported 30 days late for the month of XX/XX/2020 by my current auto loan bank Santander Bank. I have and will upload a document that is a payment extension agreement that clearly states that I was being provided a payment extension that began in XX/XX/2020 and covered me until XX/XX/2020 yet I am being reported 30 days late for the month of XX/XX/2020 which is clearly covered by the agreement. The agreement states at the very beginning that I'm covered for the month of XX/XX/2020 yet they are unwilling to abide by this ironclad agreement. Section B of the contract CLEARLY statesI had no contractual obligation to make a payment on the dates listed so I should not incur this blemish. I've tried to resolve this with the bank and they've given me no assistance whatsoever. I reached out to the executive office and they told me that I couldn't escalate this any further. I signed this agreement and was told I'd be protected for those months and they are now not abiding by what they told me even though I've provided them with documentation where it CLEARLY states that from XX/XX/2020 until XX/XX/2020 I would not be responsible for a payment. I've tried for months to have this removed and they clearly have no interest in adhering to the terms of the contract that I signed and by what I was told. This erroneous and unfair reporting has resulted in a massive drop to my credit score and Santander is unwilling to work with me at all. Please assist me in removing this unfair blemish to my credit report by a predatory bank who already had a massive lawsuit last year for their predatory lending practices of which I am yet another victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I attended the XXXX XXXX XXXX XXXX in XXXX. I was lied to about what my income would be like and also I had no idea what I was signing when I took out my private loans from XXXX XXXX now Navient. I'm trying to get my private load payment to be reduced to an amount I can actually afford. I'm a XXXX XXXX XXXX single mom that has to live with her parents because I can't afford to be on my own due to these loans. My interest rate is a non fix rate which I didn't know that until recently. I was XXXX XXXX XXXX and the financial aid counselor at the school did not explain this to me. My payments fluctuate every month it's never just a set amount which makes it hard to budget. They are unwilling to work with me and accept the amount that I can actually afford.
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 the 15 USC 1681. Account information is as following- XXXX XXXX XXXX {$170.00} has violated my rights. I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to the 15 USC 16881 ( e ) ( b ). According to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 they are supposed to not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This company ( Capital link Management ) calls and text me constantly, I told them several times I'm not XXXX XXXX the person who owes them money, but they continually harassment with phone calls and text. I don't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been harmed by XXXX, experian and XXXX. they have kept on item on my report that are older than 7 years and have allowed others to gain access to my ssn and records that i am authorized representative and sole beneficiary.
Product: Student loan

I am a XXXX XXXX XXXX XXXX, and I have been asking for help to discharge this account since 2016. I was trying to keep up with payments on the account, until I figured out the proper way to discharge it, but I just fell behind in the account. After taking a deeper dive, I realized due to 20 U.S. Code 1232g, this account should've never existed or shown up on my credit report ... as, No funds shall be made available under any applicable program to any educational agency or institution which has a policy of denying, or which effectively prevents, the parents of students who are or have been in attendance at a school of such agency or at such institution, as the case may be, the right to inspect and review the education records of their children. 
What makes matters worse is they have slandered me to the credit bureaus and they did not have my written permission in order to do so ( 15 U.S. Code 1681b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I am exercising my rights under Fear Credit Reporting Act section 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a detailed description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and the address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
I am seeking a detailed ''METHOD OF VERIFICATION " as it pertains to a XXXX  XXXX XXXX account that is currently reporting on my credit report. The account number for that account is XXXX... .... 
In compliance with the method of verification request, please provide the following. The description of the procedure used to determine the accuracy and completeness of information. 
. Name, address and telephone number of each person contacted regarding this alleged account. 
. Copies of any documents bearing my signature showing that this account belongs to me and that I opened this account and kindly provide statements showing all the payments made on this account. Any automated response or E- Oscar verification is unacceptable. I am requesting your method of verification that you used to prove whether or not XXXX  XXXX XXXX is reporting on my credit report accurately. 
I expect to receive a response within 15 days of receipt of this letter in compliance with the Fair Credit Reporting Act. If not, I expect that XXXX  XXXX XXXX be removed from my credit report immediately. A similar request was sent to you in XX/XX/2021 and it was ignored by you. If my request is ignored again then I will be forced to take legal action so as to get this matter resolved.
Product: Credit reporting or other personal consumer reports

Formal Complaint Against Experian for Non-Compliance with FCRA 605B and Failure to Address Fraudulent Items in My Credit Report To Whom It May Concern, I am filing this complaint due to Experian 's willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 605B, in relation to fraudulent items on my credit report that I have disputed. Experian has failed to remove these items despite being provided with comprehensive documentation, which includes my identity theft report, proof of address, government-issued identification, and additional documentation linking me to a data breach incident. 

Summary of Noncompliance and Violations : I first submitted a dispute to Experian, along with all required documentation, citing my rights under 605B of the FCRA, which clearly mandates that credit reporting agencies must block any information that resulted from identity theft within four business days upon receipt of such notification. Experian 's failure to act not only violates 605B but also disregards the legislative intent behind the FCRA, which is designed to protect consumers from the severe consequences of fraudulent reporting and identity theft. 

Experian 's failure to act appears to be in direct contravention of the court 's stance in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where it was established that credit reporting agencies bear significant responsibility in ensuring accuracy and must adequately address disputes involving identity theft. By refusing to block these fraudulent entries on my report, Experian is knowingly and willfully neglecting this duty. Furthermore, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court underscored the consumer 's right to a fair investigation by credit reporting agencies. In failing to fulfill their legal obligations, Experian has also demonstrated non-compliance with the CFPB 's XXXX bulletin on credit reporting agencies ' responsibilities in the handling of identity theft complaints. 

Attached you will find proof of my previous attempts to dispute the fraudulent accounts on my consumer report with Experian, proof that I was a victim of the XXXX Data Breach, Proof of ID, SSN, Proof of address, and the FTC Affidavit listing the fraudulent Kikoff Account.
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ok for these violations.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding improper debt collection practices by XXXX XXXX XXXX XXXX XXXX XXXX They have failed to provide sufficient validation for a debt they claim I owe, and they are reporting inaccurate information to credit reporting agencies in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Details of the Complaint 1. Failure to Provide Proper Validation Under FDCPA, 15 U.S.C. 1692g ( b ), I requested that XXXX XXXX XXXX XXXX XXXX validate the debt they are attempting to collect. However, they provided only an old billing statement, which is insufficient under the law. Validation must include : Proof of ownership of the debt, including the full chain of title from the original creditor to the debt buyer. 
A detailed breakdown of the debt balance, including principal, interest, fees, and any additional charges. 
A copy of the original contract or agreement bearing my signature, which establishes the terms of the debt and any charges. 
2. Reporting of Inaccurate Information XXXX XXXX XXXX XXXX XXXX is reporting this debt to credit bureaus, including unauthorized interest or fees, without proper verification. This violates the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ), which requires furnishers of information to ensure that data reported to credit bureaus is accurate and verifiable. 

XXXX. Improper Collection Activity Despite disputing the debt, XXXX XXXX XXXX XXXX XXXX has continued collection activities, which violates FDCPA, 15 U.S.C. 1692g ( b ). Federal law prohibits further collection efforts until proper validation is provided.
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 1681.15 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. Account XXXX Account XXXX Account XXXX XXXX Account XXXX Account XXXX XXXX Account XXXX Account Name XXXX XXXX Account Number XXXX Account XXXX XXXX Account XXXX Account NameXXXX XXXX Account XXXX XXXX XXXX Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  XXXX Account XXXX XXXX ccount NameXXXX XXXX XXXX Account XXXX Account XXXX XXXX Account XXXX Account NameXXXX XXXX Account XXXX Account XXXX XXXX XXXX Account XXXX Account NameXXXX XXXX XXXX  Account XXXX Account NameXXXX XXXX  Account XXXX XXXX XXXX  Account Number re XXXXXXXX XXXX XXXX XXXX. Account/Serial # : XXXX
Product: Checking or savings account

I filed a dispute. They frozen my account for my protection with a response to contact support for help. When contacting support nobody could help me. My dispute was settled and approved. My Account still frozen to contact support with help to u freeze it. Still repeated attempts nobody knows anything but wait for an email. No email has ever came. I requested my account be closed immediatly and my funds transfered to the linked external account. Only to be told I can not close it its under review.
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 ( XXXX ), before the end of the XXXX 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 number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXXccount number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXXXXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and contest the accuracy of certain accounts listed on my credit report. Upon meticulous review, I have identified discrepancies that raise serious concerns about the integrity of the information being reported. The banks sent the statements to the wrong address. I have taken proactive measures to address these discrepancies by contacting the respective banks associated with these accounts. I am pleased to inform you that after thorough investigation, these banks have acknowledged the errors and have agreed to update my accounts and remove the late payments. 

XXXX XXXX  XXXX. XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
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 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 an account without any 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 or other personal consumer reports

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts are not complete and accurate. 

XXXX XXXXXXXX Account number XXXX accounts are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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. 



I sent a letter asking them to make sure everything is complete and accurate. 

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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.I am requesting for this account to be DELETED my credit report. 
Please see this attachment below
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX transferred my mortgage to XXXX XXXX despite it not being opened as a servicing released mortgage. 

They then reported my mortgage as closed to the credit reporting agents, which reduced my score significantly and impacted my financial situation Furthermore, XXXX XXXX is requiring payment on XX/XX/XXXX and still, as of XX/XX/XXXX, has sent no information on how to make those payments or set up autopay.
Product: Checking or savings account

On XXXX2024 I reached out to my bank Chime about a referral promotion for referring my friend to open a checking account. The original promotion was for me to refer a friend and if they open an account, activate a debit card, and record at least a {$200.00} direct deposit within XXXX  days, that I would receive {$100.00} and my referee would also receive {$100.00}. The first XXXX actions were completed, but the final action was completed approximately XXXX week late on XXXX XXXX, 2024. I reached out to chime via their live agent chat feature through their mobile application. After verifying my identity and the identity of my referee to the agent, and informing the agent XXXX that the deposit was not before but around the due date for the deposit, that I would like to see if they can still honor the promotion for my account. I also requested that she consider a larger promotion that I received an email for on XX/XX/XXXX with all the same qualifications but for {$170.00} for me and {$100.00} for my referee. She agreed and asked for the email of my referee, and a moment to review the records. Upon reviewing she stated I was eligible and that I would need to call member services phone line for a manual credit to be applied. I then confirmed if she was referring to the bigger promotion for {$170.00} and she confirmed yes. I then asked her to put the details on my account notes so that the phone call would be more efficient. She stated the details were provided and it would be efficient. Upon calling, each representative and supervisor stated that the agent was incorrect and essentially lied to me. I spoke to several phone representatives and stated this was unacceptable and they should honor her written words. After XXXX hours of calling, I experienced several other issues including ; being hung up on, being told I would be transferred to a superior even though I was not, being told by another chat agent ( supervisor ) again that I am eligible for the {$170.00} promotion, being told that phone support can not see chat support written communications, and being told that there are no escalations of my issue beyond a XXXX level supervisor, i decided to file this complaint. I have included screenshots from both the chat agents I spoke with. 
I believe I am entitled to the promotion that promised to be honored despite a simple timeline of deposit being missed. I also feel I am entitled to a response from someone above a XXXX level supervisor in response to the poor and outright misinformation provided to me by several phone agents and supervisors. 

Thank you, XXXX XXXX XXXX