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

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX Balance details 0 % paid off Balance {$4500.00} Balance updated XX/XX/XXXX Original balance {$4500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/XXXX Original balance {$4500.00} Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms XXXX Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone number ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by me THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.

RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Student loan

I have been dealing with AES for years. Not only have they harassed my father and I regarding the loans, but this company is not helpful whatsoever when it comes to lowering payments or putting my account in forebearance. Every single employee I have ever spoken to has been incredibly rude and unhelpful. When I was pregnant my son last year, I had health issues that kept me from working after I delivered him. When I called AES requesting a forebearance or even lowering a payment ( in XX/XX/2017 ), the only response I received is no from the customer service representative. I never received a reason as to why I couldnt have my payments lowered or why I couldnt put my account into forebearance for a month or two,

considering i didnt have an income at all at that time. I can not afford these payments and I am exhausted trying to get this company to work with me. I am not ineligible for any 10 year on time forgiveness because I cant afford my payments. I currently pay {$220.00} a month. If i miss one payment, my next payment is almost {$450.00} ( which is what I currently owe ). That is unbelievable for anyone, let alone a single mother. Also, I dont even know where they got their balance from. I have looked over every single loan document on the loan database website, and I dont see how they got their amount they claim I owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, we worked out a payment plan of {$60.00} for 60 months, with a 0 % interest rate. 

I've made those payments on time, according to the agreement, however XXXX XXXX   has supplied incorrect information to all 3 Credit Bureaus, and when I've called to talk about it, I am told it has been corrected. 

As of my XX/XX/XXXX credit report, it has not. Disputes have been filed but this needs to be fixed now. 

I've done exactly what they've asked for.
Product: Credit reporting or other personal consumer reports

i recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i have attached a copy of my report to this complaint on the following dates ( XX/XX/year> and XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. 
Account XXXX : XXXX XXXX Account XXXX : XXXX
Product: Vehicle loan or lease

Obtained a car loan in XXXX with a credit score in the mid/high XXXX as a woman I specifically negotiated my loan terms at XXXX  % which at the time XXXX XXXX has offered the same and XXXX had claim to match. Ally Financial gave me as XXXX American women a subprime loan of XXXX  % with XXXX  % which in XXXX in Texas the subprime loans could not be more than XXXX  %. 

It is my assertion that this loan was discriminatory and predatory. 


However that said Ally Financial changed the terms ( see payment history at start of loan XX/XX/XXXX vs XXXX in XXXX in how payments were applied.
Product: Bank account or service

Since XXXX of this year, I continue to be stalked and harassed severely enough for criminal prosecution by a party possibly living next door, who works for US Bank which has an office literally up the street in XXXX, IL. I had changed apartments to the current residential address a few months prior. In XXXX, some person at US Bank started modifying my US mailing address to change it to the prior one, which the attachment indicates is the case, and started sending out " XXXX '' like " hoots '' which continue to inflict severe disruption and thousands of dollars in damages and twist and turn, but in all cases, falsify claims to third persons, send me harassing US mail, phone, fax email etc, and assault my business and person wholescale like a XXXX now for nearly 90 days nonstop. 
US Bank continues to send out anonymous mail from several states, and in each case, never makes the same false claim XXXX, and continues to taunt and flaunt that it is just so high and mighty " that I can '' XXXX, but the issue is allegedly something like that and that the party at US Bank is royalty who " can ''. 
As per the attachments, the person running this public op at US Bank has continues to seek out methods to block terminating the damage infliction and harassment, currently removing all public services and contact nationally retaliating like this or worse every time I have worked through a mediator like CFPB or XXXX of MN. The person has lied to external parties including the CFPB and the XXXX of MN repeatedly in each instance. 
It has also lied about the continual change of my US mailing address by this person at US bank interfering with US mail as well. 
I am now required to not work with any US bank customers nationally by US Bank in retaliation for what they need public prosecution for and continues to taunt as being instead so publicly corrupt and powerful that they " can '' which is another problem that involves persons who are required by law to regulate and prosecute bank employees like this and who are clearly in their pockets and its still acting like in the pants of somebody involved who has created public abuse on the level of what they used to do to XXXX in XXXX area west of XXXX famous for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX CORNERSTONE CT XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} NCB ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$3900.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX {$47.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX {$270.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$38.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$43.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$34.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$43.00} XXXX XXXX XXXX Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$39.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$45.00} XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$36.00} XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$43.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$47.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$47.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$38.00} XXXX ( Original Creditor : XXXX ASSOCIATES XXXX XXXX XXXX XXXX : {$43.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$270.00} XXXX ( Original Creditor : XXXX ASSOCIATES XXXX ) XXXX XXXX XXXX {$43.00} XXXX ( Original Creditor : XXXX ASSOCIATES XXXX ) XXXX Balance XXXX {$47.00} XXXX ( Original Creditor : XXXX ASSOCIATES XXXX ) XXXX Balance : {$47.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$47.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$38.00} XXXX XXXX XXXX Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$39.00} XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX ) XXXX Balance : {$38.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$38.00} XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$47.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$43.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$43.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$39.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$38.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX : {$38.00}
Product: Debt collection

Under the Fair Debt Collection Practices Act ( FDCPA ), specifi

cally 15 U.S. Code 1692g ( b ), you are required to provide proof of this debt, including a signed contract with my signature explicitly agreeing to the terms and the debt obligation to you. If you can not validate this debt within 30 days of receiving this letter, you are required to cease all collection activity, and the account must be removed from my credit report. Additionally, under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if the information regarding this debt can not be verified, it must be deleted from my credit report. As such, any unverifiable accounts can not be legally reported by credit bureaus. Furthermore, 15 U.S. Code 1692e ( 8 ) prohibits debt collectors from reporting false or misleading information about a debt. Any inaccuracies related to this account must be corrected or removed immediately. Failure to adhere to these legal obligations constitutes a violation of federal law. To resolve this matter, I am requesting : Proof of the alleged debt, including a signed contract or agreement bearing my signature. Detailed information about the original creditor, the date of the debt, and the amount owed, including any fees or interest that have been applied. Confirmation that this debt has been properly validated in compliance with the above-referenced laws. Until you provide the requested proof, I demand that you cease all collection activities and refrain from reporting this alleged debt to any credit bureaus. If this matter is not resolved appropriately, I reserve the right to pursue legal action to protect my rights under federal law.Until you provide the requested proof, I demand that you cease all collection activities and refrain from reporting this alleged debt to any credit bureaus. If this matter is not resolved appropriately, I reserve the right to pursue legal action to protect my rights under federal law. Please provide your response in writing to the address listed above within the legally required time frame. Failure to respond adequately to this dispute may result in further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer in pursuant to 15 USC1692A3 XXXX, XXXX, and Transunion are in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX  XXXX  nor transunion nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. An FTC/Police report has been previously filed and is attached to this complaint. 

XXXX XXXX Account # XXXX Amount {$21000.00} Department of Education Account # XXXX Amount {$81000.00} XXXX XXXX XXXX Account # XXXX Amount {$0.00} Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Department Of Education/XXXX  XXXX XXXX X3
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to TRANS UNION on several occasions, requesting unknown inquiries and several accounts be deleted from my consumer report, in which I have yet to receive a response. 
TRANSUNION also have me listed under XXXX social security numbers! 
The accounts are duplicated on my consumer report. 
The accounts are closed due to being transfered. 
The accounts have incorrect open dates. 
TRANSUNION is in violation of my rights as a Federally Protected Consumer!
Product: Debt collection

Unable to validate debt. claims account closed and charged off. However they are reporting the account and balance as open it's illegal to report a charged off account open account needs to be deleted
Product: Mortgage

We are current customers of  Santander Bank with a HARP mortgage. We have an adjustable credit rate so we wanted to refinance to get a lower, locked in rate. We began the process with Santander because they are already our mortgage holders so we do n't need to go through as many steps. We began the process. We are having an issue current  ly with our credit score. We check our own credit scores and they are in the   XXXX   XXXX   and   XXXX   XXXX  , ( wife and husband, respectively ). However, when Santander pulls out credit they are showing a median credit score  of  XXXX . When asked what bureau they are pulling from, they answered that they have a third party who gives them a different number. This is completely and totally unfair. With their number, we have to pay a higher interest rate, so they make more money over the course of the loan.  With the   XXXX   XXXX   XXXX   numbers,  we would be in the highest tier, thus lowering their overall payout on the loan. This should be illegal. Consumers who are careful with their credit, who monitor their credit scores, and still end up getting the shaft because of a made up system by a bank. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cosigned for my son to purchase a vehicle XXXX years ago. Recently he has been behind on his payments because he relocated and was homeless for 4 months. As a result, he and his family lived in hotels while he worked during the day. I am currently in the process of turning in a lease vehicle and attempting to buy another vehicle for work of course. The company XXXX XXXX XXXX provided me as the cosigner on a car loan. XXXX  has reported the late payment on my credit report, lowering my credit from XXXX to XXXX, which is making it nearly impossible to me to purchase a vehicle. I received the notice of collections on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my vehicle stolen and burned. I contracted XXXX XXXX XXXX about the situation and they told me that was fine and insurance would cover the issue. Insurance took care of the issue several months later, but they claim that I still owe {$1400.00} on the account from the months that were not paid. This has been over several years now. I documentation from them showing that the account is paid in full. Yet they refuse to change it on the credit bureau report and they say that I still owe them {$1400.00}. 

I have disputed this issues with all 3 credit bureaus ( Experian, XXXX XXXX  XXXX XXXX ) and requested a validation and to receive the information from the validation. No information has ever been received from any of the three credit bureaus. XXXX list the amount owed as {$4200.00} ... 

XXXX XXXX XXXX and the 3 credit bureaus have ignored all request in regards to updating this information properly. 

See the enclosed attachments ....
Product: Vehicle loan or lease

In XXXX of XXXX I purchased a car loan from XXXX. I financed the car through Santander Consumer. 

I am now nearing the end of my loan due date or maturity date as of XX/XX/XXXX. I have owing still XXXX. I have no idea why this is. The car is only worth XXXX or so dollars. I've been trying to purchase another vehicle but to no avail because I'm upside down on my loan. 


I have since contacted Santander Consumer about this problem and they have told me I can keep the vehicle even after the maturity date but was told it would negatively effect my credit due to the loans maturity date and still owing. 


I was never told I would have a remaining balance owing at the end of my loan. And have wrecked credit due to them reporting me late until the car loan is paid in full even after the maturity date.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, an XXXX XXXX account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an XXXX XXXX account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Experian has failed its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I had a IRA certificate of deposit that I opened with XXXX XXXX XXXX that Key bank took over. Upon the maturity of the certificate and transfer to another bank, Key bank kept {$25.00} transfer fees for itself. When I opened the certificate at XXXX XXXX XXXX in XXXX 2014, there nothing in the contract that I signed that stated I would be charged a transfer fee. Key Bank took over my ira from XXXX XXXX when it took XXXX over, but that does not give Key bank the legal right to change my ira terms without my consent.
Product: Debt or credit management

XXXX XXXX  has lied about my balance and has yet to correct it. I paid to have insurance for my property but they never allowed me to pay through the insurance after the insurance paid off the balance and still proceeded to put it on my credit report without any notice of what the balance should have been and acknowledgement of the paid amount by insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

An auto repossession on my credit was established in XXXX of XXXX but is incorrectly being reported as it opened in XXXX. After XXXX  years should have fallen off of my credit in Florida based on the statute of limitation but it is still on my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.