23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I was a victim of predatory lending with Santander and my loan is part of the lawsuit with Santander and their unfair lending practices. As a result, my car was repossessed, due to the multi state law suit I qualified for a deficiency waiver of the balance after my car has been sold at auction. 
However there is still a balance showing on my credit report. Santander has been ordered by the courts to issue the deficiency waiver for the remaining balance and completely remove the derogatory account showing on all three major credit bureaus.
Product: Credit card

On XX/XX/year> I made a reservation for myself and my daughter at XXXX XXXX XXXX XXXX Florida, arriving XX/XX/XXXX and departing on XX/XX/XXXX. Our time was to be spent touring colleges. This reservation was made using a combination of my Citi Thank You points and my Citi Credit Card. 

On the morning on XX/XX/XXXX, my daughter became ill, and quickly realized due to a high fever she was unable to travel, at which time I called the Citi Thank You department to notify them and ask what could be done. I was told that they would reach out to their booking partner and would notify the hotel that I needed to cancel. Upon request, I informed them that I did not have medical documentation, being a Sunday and the doctors office being closed. The woman I spoke with was very nice and explained to me, at worst, I would need to pay for one night hotel stay this seemed reasonable. Furthermore, I informed her that I would be happy to reschedule as we would need to make this trip at a later date. 

On XX/XX/XXXX, I reached out to Citi again regarding the status of the refund. I spoke with XXXX. She informed me that, according to their third-party booking partner, I needed approval from the hotel. I immediately called the hotel and left a message for the hotel XXXX ( XXXX ). I never received a call back. 

On XX/XX/XXXX, I called back and reached XXXX. After informing him of the situation, he told me the reservation was non-refundable and there was nothing they could do. Following this conversation, I called Citi Thank You back and spoke with several different people including XXXX, XXXX, and XXXX, all said there was nothing they could do. During my last conversation with XXXX I explained that my receipt ( enclosed ) said, Any cancellation received within 3 days prior to the arrival date will incur a charge of 21 % of the booking value. This is comparable to the one night I was told I would need to pay during my original conversation on XX/XX/year>. She didnt seem to understand the meaning of the word within. Out of frustration, I asked her to transfer me to someone who could help me with cancelling my cards. I then spoke to XXXX, who transferred me to XXXX. XXXX seemed more interested in following protocol for cancelling my cards then helping me with the greater issue. I again asked to speak with his supervisor, I was put on hold and then disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the three major credit bureaus to verify info and delete. All three credit bureaus, XXXX, XXXX, Equifax have yet to verify accounts and still haven't deleted the items from my reports. They have broken the law and I would like the incorrect info removed.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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

BANK OF AMERICA XXXX This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report accurate, consistent and up to date please " DELETE '' this item immediately : BANK OF AMERICA XXXX When the requested above deletions are made, please mail me an updated copy of my credit report. This account has been reporting on my credit report in over seven years it should have been dropped off, but still being reported as a charge off
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries on my credit report that I did not approve.
Product: Credit reporting or other personal consumer reports

I did a credit report with the XXXX bureaus. There was an account on there that belongs to my XXXX, not me. My XXXX  ( XXXX  ) had the same first/last name but different middle name. I've had this happen before and got it removed no problem. 

Both XXXX and XXXX removed it, but Transunion refuses to do so. I've done the dispute with them now and am currently on the phone with a supposed supervisor telling me there is nothing she can do and refuses to transfer me to anyone above her. 

I have always heard that Transunion is the worst of the XXXX bureaus to deal with and now I can see why. This account does not belong to me and they need to remove it from my credit report.
Product: Credit card

This complaint is more information for the one I mailed with submission number XXXX. I am attaching proof that my old employer, XXXX, paid the balance on the corporate card. The account is closed and has no balance. This was a corporate expense and does not belong on my personal credit report. Citi should remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote XXXX, XXXX, transunion on numerous times and the item still not coming off or my credit report not being updated .I sent copies of letters that my name was stolen and social security thru identity theft and I m getting repeating inquires on my credit report, I called all three companies and wrote them.nothing is better done, I do n't think its fair that mhy credit score keep going down and being damaged every time I try to clear and fix it .someone trying to keep things in my name .I disputed all the inquires and they wont take it off, The XXXX bill for {$1400.00} not off .XXXX XXXX XXXX {$490.00}, XXXX company for a car loan {$30000.00} that wont be taken off .Student loan that 's accurate and they still have the owe .I believe the credit reporting agency is out to get people and not see you progress at all .I need my credit clear up soon as possible and I would like a rapid rescore this is hinder me and my family
Product: Debt collection

I found a collection on my credit report from a company that I have no idea who it is, the creditor is XXXX and it is in collections with Payliance. I have had my identity stolen in the past, so I think this another result of that. The original amount of the debt was {$200.00} and now it is up to {$230.00} according to what is on my credit report with XXXX XXXX. I contacted XXXX XXXX but they said I had to file a report with the FTC before they could do anything, so I am trying to get some help this has damaged my credit.
Product: Credit reporting or other personal consumer reports

The balance on the credit card with XXXX XXXX is incorrect. I filed a complaint with the company on numerous occasions and they have yet to update the correct information nor have they sent proof of the account correct balance.

The account was deleted in 2017 and has since reappeared on my credit report with inaccurate account high balance of {$1200.00}. Please remove asap!
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Opened a American Express account and was told it would go under my businesses but was put under my personal now all my business transactions have been reported to my personal credit history
Product: Credit reporting, credit repair services, or other personal consumer reports

In my XXXX credit report shows that there is a lease from ( cima credit XXXX  ). For a quantity of {$8300.00}. Loan that I didnt know anything until I receive my credit report last month. Reason of why I believe that my identity was stolen and used for that. Thought I already talk to the company about it and all they said was that I had to make a police report first.
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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX 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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 or other personal consumer reports

I pulled my credit report and seen some fraudulent hard inquiries on them, and I need them removed immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Late Payments on Account # [ XXXX, XXXX, XXXX, XXXX, ] Dear Sir/Madam, I am writing to dispute the late payment ( XXXX ) reported on my credit file under the account referenced above. After reviewing my credit report, I have reason to believe that the reporting of these late payments is inaccurate, incomplete, or unverifiable. 

In accordance with Section 609 and Section 611 of the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter thoroughly. Under Section 609 ( a ) ( 1 ) ( A ), I am entitled to receive a full disclosure of the information being reported and its sources. Furthermore, as per Section 611 ( a ), if this information can not be verified within the required timeframe, you are obligated to remove or correct it.

Additionally, under the Truth in Lending Act ( TILA ), creditors must properly disclose information, and I believe there may be discrepancies in the manner these payments were reported. I demand the immediate investigation of this matter and request documentation that substantiates these late payments. If you can not provide such documentation, the inaccurate information must be deleted from my credit file in accordance with the law. 

I expect this matter to be resolved within 30 days, as stipulated by the FCRA. 

Thank you for your attention to this important matter. 

Sincerely, XXXX XXXX
Product: Debt collection

At the start of 2021, XXXX started billing me for subscription to XXXX although I did not subscribe. I disputed the charge and asked that they stop billing me and requested that they close my account to stop the charge if needed. XXXX did not ; they charged me late fees instead on the latest bill sent. Thereafter I cut the card in half and returned it to the issuer as I requested that they cancel my account. I sent letters to three of their departments. 
On a recent letter I received in XXXX, I was informed that my account is still open but I will not be able to charge on it. 
Subsequently, my account was closed and maliciously reported to XXXX to give a negative impact to lower my credit score for not having paid the disputed charge of {$38.00} and tacked on additional late fees of {$40.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed letter to : XX/XX/XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX Experian XX/XX/XXXX Experian XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian Charge off of Car. 
Account was not charged off- car was wrecked and amount was paid by insurance. 
I reached out to XXXX XXXX and have a letter with the information that was sent to the credit bureaus. Dated XX/XX/XXXX.
Product: Checking or savings account

Was not aware of Navy Federal unlawful practices until lawsuit. Would feel more comfortable with a third party involved when addressing transaction history due to lack of trust on behalf of Navy Federal.
Product: Credit card

i have disputed the info on my credit report with the credit card company for which they signed for on XXXX/XXXX/2016.. According to the FDCPA the credit card company is required to put a notice of dispute within 30 days. However when i checked my reports on XXXX/XXXX/2016 i saw that they failed to place a notice of dispute. I have already sent a letter to the credit card company regarding their violation and as of today they still have not removed the negative account from my report. 

This is my final goodwill attempt to clear this up out of court and without monetary compensation. If the credit card company does n't remove the negative accounts in a timely fashion i will sue them in small claims court nearest to me. I will request {$5000.00} as i have already outlined in my letter. 

I am attaching now the letter i have sent them and also a copy of XXXX credit report where you see their negative account.
Product: Debt collection

In XXXX, my personal information was breached by both XXXX XXXX Experian. XXXX of XXXX I was informed of this same collection which I immediately filed a fraud dispute. The results from Experian dated XXXX state " Outcome Deleted '' on Report # XXXX issued from their agency. The previous collection agency was named XXXX XXXX XXXX XXXX for {$1700.00}. The investigation revealed it was a joint account opened by a couple named XXXX XXXX XXXX XXXX living in XXXX, XXXX The collection was for an ambulance ride and my maiden name " XXXX '' and Social Security XXXX somehow was fraudulently used. Experian Credit monitoring recently notified me of the collection, and I spent over XXXX weeks calling agency after agency attempting to figure out who & what this bill was for. When I finally got a telephone # of the collector from XXXX, upon calling them-they were beyond RUDE and unreasonable. The negligence on their part is impacting me financially, emotionally, and not to mention being harassed by the collector DEMANDING I need to file a police report, which is impossible to do since I don't have any information other than a phone # and how much they are collecting! This mistake puts me at a huge disadvantage especially because I am XXXX and on a XXXX XXXX. Additionally, our family is in the middle of getting a very large loan for our sons XXXX education and they would not even allow me to explain or get help in expediting the removal! I have made numerous attempts to get this corrected by Experian and I am getting no response and yesterday I was told a decision was already made and they determined it belonged to me-how they determined this they couldn't explain and left it on my report. I AGAIN filed another fraud dispute and informed them of the letter they issued removing it. They would not provide me with any help on getting this escalated and basically told me all I could do is request for them to take a better look and I had to wait 30 days. XXXX immediately responded via mail stating this was a duplicate and deleted it. I desperately need this resolved in order to fund my sons XXXX and it's a large amount and the interest rate is based on my score, and they are NOT being responsive whatsoever. Attached are all the documents from the original complaint. Please advise as to how I can get this matter expedited and get this cleared off my credit report. Their error is unacceptable and is causing huge financial impacts to our livelihood and our ability to get appropriate funding at the rate we have worked very hard to achieve. Thanks in advance, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We bought a car from XXXX on XXXX in XXXX. When we arrived on the car lot we informed them we were looking for a safe reliable family vacation vehicle. We also let them know our two year old would ride in it daily so we needed it to be safe. We left with a XXXX XXXX XXXX. Two weeks into having the vehicle we noticed it wasn't driving right. We took it To our mechanic who said there was an extreme oil leak and an extreme differential leak. We didnt believe it since it had just passed inspection 2 weeks before we purchased it. We took it to two other mechanics who stated the same thing to us. We contacted XXXX and they told us to take it to there approved vendor to get looked at. There vendor said he didnt see the oil or differential leak. He was also the same person who passed the inspection on it. He kept the vehicle for about two days to make some repairs and gave it back to us and said it was good. We thought the car was fixed until two months later there was smoke coming from the hood of the car. We took it back to our mechanic who said if anything was fixed he wouldnt be able to tell since it was all used parts on the vehicle. He stated it still had an extreme oil leak, differential leak and also a transmission leak as well. We had a state trooper look at the car with the mechanic who said the vehicle is life threatening to drive and there is no way it should have passed inspection. The trooper said since it has been so long since we purchased the vehicle he wouldnt be able to issue the citation but he would have a talk with the approved vendor about it passing it when it should not have been. At this point we contacted XXXX and told them everything and they said they would have a tow truck come pick the vehicle up and they would look it over again. After looking it over they decided to allow us to come look for a different vehicle at XXXX on XXXX XXXX. When we arrived the first vehicle we looked at had a crack in the windshield. We asked how it passed inspection like that and we were told it must have just happened that day. We were not feeling good about getting another vehicle from them and was already advised by XXXX on XXXX XXXX that the XXXX location stated they were going to pay off the XXXX XXXX loan. So we thought we were done with them until I got an email from XXXX stating they dont know who stated that but they were wrong and we would have to pick another vehicle from them. We found another vehicle and had it checked out by our mechanic before returning to the XXXX location to make the switch. Then we were advised it had been to long since the first loan so they couldn't switch out the vehicle and would have to pay off the old loan and make a new loan. Now I have 8 hard inquires on my credit report. I dont know why since all of this was over ONE vehicle that was sold to us. My family is trying to buy a house and this is going to hurt us now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.