23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are fraudulent though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXXXXXX XXXX U S DEPT OF EDXXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXXIXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  11 XXXXXXXX, 11 XXXX XXXX XXXX, 08 XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiries : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I checked my account on XX/XX/year> and found that my account had been substantially overdrawn in which I contacted my banking company XXXX Bank Of America ) immediately to notify the bank, they agreed that it looked fraudulent and immediately closed out that account and card. They gave me a new account number and new card. Months later I see Bank Of America on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, ATTYGENERL Account numberXXXX XXXX XXXX Account number:XXXX XXXX XXXX XXXX Account number:XXXX XXXX Account numberXXXX XXXX Account number:XXXX, XXXX Account numberXXXX  has violated my rights including these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I have submitted a complaint before against Capitol One Home mortgage because I was n't receiving my statements for my loan. They did respond back and " magically '' fixed the glitch in there system, that they never could explain why it happened. Since I have had such a horrible time with capitol one I paid my home loan off on XXXX 2016. I had to make several calls to even get a letter confirming the pay off. It is now XXXX XXXX 2016 and they still have not sent the paperwork to the courthouse in XXXX XXXX arkansas so the deed/lien can be released. When I try to call and find out why it is taking so long the only reply I get is that by law they have 60 days but no one can tell me why it is taking so long or even what step the process is in. Since I have had such a horrible experience with capitol one and this loan ( which was never late despite no statements being mailed and paid off early ) I worry that the whole process will not be complete for whatever reason capitol one can come up with. This is my home loan so I am very concerned, I would like to know what is going on with the process and when I will receive my lien release and proper documentation. I spoken with XXXX XXXX one time and when I tried calling back to see if he looked into the matter and could explain things I only get voice mail. I understand paperwork takes time but it has been 40 days and capitol one 's lien release department has not processed anything as of today per XXXX in the customer advocacy center of customer service. I would like someone to look into there process and guidelines regarding lien release. Customers should n't have to wait this long to have there paid off property released.
Product: Credit reporting or other personal consumer reports

I recently submitted a dispute for a collections account due to account being a medical debt less then 12 months old which is violating reporting laws. Dispute was updated within less then 24hrs stating that account was verified as accurate but I was not given any proof of verification and account is still illegally being reported on my credit. 

Account : XXXX XXXX XXXXXXXX {$2800.00} I also disputed inquiries on my report which were not made by me. Company also verified these inquiries as accurate, however I have been shown zero proof as to where I am the one that authorized these inquiries. I have reported fraudulent activity to the FTC multiple times however the credit bureaus continue reporting these fraudulent inquiries on my report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account # XXXX I am writing to request the blocking of a fraudulent collection account from my credit report pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). This account is the result of identity theft, and I am seeking to have it blocked from my credit report. 

Please block this fraudulent account from my credit report as required under the FCRA. Additionally, I request that you confirm in writing once the account has been blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! 
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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$350.00} ; XXXX  XXXX Balance : {$150.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$200.00} ; XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$470.00} ; XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$470.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance XXXX {$6500.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan Co. Santander Consumer USA XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, TX XXXX I purchased a used vehicle in XX/XX/XXXX, while I was on XXXX XXXX with the XXXX XXXX. I became delinquent ( as a result of some family trauma ) in XX/XX/XXXX. On my credit report from XXXX dated XX/XX/XXXX # XXXX It specifically reflects the date of purchase, my 1st delinquency ( XX/XX/XXXX ) and for the next 11 months it reflects continual delinquency per their 'legend '. The truth of the matter is that I NEVER became current with this account, and the car loaner ( Santander Consumer USA Acct. #  XXXX ... ) claims that I have, but even on the report itself, it lists extremely limited info, to include XXXX balance, dates/times/ etc. 
For a company that claims I became current refuses to send XXXX, to include the others, any information on my account whatsoever. However they are only giving them information back to XXXX instead of XXXX, so that they can claim to use that year, to establish the 7yr requirement. 
I have provided numbers documents and photo copies requesting that this account SHOULD HAVE BEEN REMOVED XX/XX/XXXX and they continually claim I became current with no information provided by Santander. Please, review my information I upload, and assist me with having this account ( that is now almost up to 2yrs ) to be removed from my account, one and for all. 

Former XXXX dispute ( with no changes afterwards ) account # 's  XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) ** and several others that I can not retrieve quickly. 

Thank You, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 at the Commerce Bank Branch on at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I authorized a wire transfer from my business to a counterpart in XXXX, for the amount of {$6000.00}. 

On XX/XX/ my counterparts had still not received the wire transfer. I went in person to the bank branch and was told it could take up to 10 days and to wait until that date. 

I returned on XX/XX/2024 after the wire was still not received and opened an internal investigation at the bank. The money was withdrawn from my account on XX/XX/2024 but that was all they could confirm at that time. I was informed the investigation would take an additional 3-5 business days. 

On XX/XX/2024, after no returned phone calls from the bank regarding this issue, I again went in person to the branch where I was told that instead of wiring directly to my counterpart 's bank, they used XXXX XXXX  as an intermediary bank, and that XXXX XXXX  had in turn wired the money to XXXX XXXX XXXX  XXXX, who had not responded to any requests. They sent an email at the end of the day informing me that it could take XXXX days for resolution. 

I again went into the bank branch on XXXX XXXX XXXX XXXX but no additional information was provided. 

On XXXX I was told that XXXX XXXX XXXX intermediary had returned the funds and XXXX XXXX  then used XXXX XXXX  to make the wire. I asked for paperwork to prove this transaction happened, and they failed to provide it. 

On XX/XX/2024 I was told that XXXX XXXX  had wired the money to the bank in XXXX, as I had originally engaged Commerce Bank to do. I asked for confirmation of this and paperwork. They said they could not provide any paperwork. I asked my counterpart in XXXX to check with their bank. They did so and the bank said nothing had been received. 

On XX/XX/2024 I requested additional documentation to help my counterpart in XXXX receive the allegedly sent funds. 

On XX/XX/2024 through email I was told again that the wire department would not provide any paperwork to prove that what Commerce Bank said was true, nor to help the bank in XXXX locate the transfer for my counterpart. 

Commerce Bank has caused serious disruptions to my business due to their failure to perform the services engaged in. This is a bank worth XXXX XXXX XXXX XXXX XXXX who is unable to perform the services they charge for, unable to provide customer service or resolution, and have made no serious attempts to remedy the problems they are causing. It has cost me significant time and money to find resolution and Commerce Bank has been a horrible partner during this process. 

At the time of this writing, I do not have my {$6000.00}. My counterpart in XXXX does not have the {$6000.00}. Commerce Bank refuses to provide any paperwork or documentation to support their statements about the exchanges between the banks. Commerce Bank has offered no resolutions and no solutions to the problems created by the services they have marketed and sold to me.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I trust this message finds you well. I am writing to you with a matter of utmost importance, pertaining to the accuracy and integrity of my credit report as governed by relevant provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ).

Over a persistent duration of time, I have made continuous efforts to communicate with your esteemed organization in order to rectify several discrepancies present on my Experian credit report. Despite numerous attempts to have these issues resolved, it has come to my attention that these inaccuracies have not been adequately addressed. This persistent disregard for the accuracy of my credit report poses not only a significant inconvenience but also has far-reaching implications for my financial standing. 

First and foremost, the incorrect listing of an address, " XXXX XXXX XXXX XXXX, NY XXXX, '' which lacks an apartment number, is a blatant error that contravenes the FCRA 's stipulation that credit reporting agencies must ensure the precision of the information they maintain. This discrepancy is not only factually incorrect but also has the potential to introduce confusion and misalignment in my credit history, as it intertwines my financial records with individuals who may share this address. I urge you to promptly remove this erroneous entry from my credit profile. 

Furthermore, I have observed a recurring issue with the handling of my name on the credit report. My legal name is " XXXX XXXX XXXX XXXX, '' According to the FCRA, credit reporting agencies are obligated to maintain accurate information regarding consumers, and this includes the proper representation of their names. Instead of simply removing inaccurate names from my profile, your organization has opted to make adjustments by creating variations of my name, which has resulted in an unwarranted proliferation of names on my credit profile. This goes against the spirit of the FCRA, which advocates for the dissemination of accurate, relevant, and fair information. 

I hereby request that you expeditiously take the necessary steps to remove the following erroneous and misleading name entries from my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The FCRA and FACTA mandate the swift resolution of discrepancies in consumer credit reports, and I trust that your organization will adhere to these legal obligations by removing the aforementioned inaccuracies without further delay.

I implore you to address these concerns promptly and rectify the inaccuracies in my credit report in accordance with the law. Failure to do so may necessitate further legal action to ensure compliance with the FCRA and FACTA. 

I appreciate your immediate attention to this matter and look forward to receiving confirmation of the corrective actions taken to restore the accuracy of my credit report. 

Yours sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX {$4000.00} Payment Sent XX/XX/XXXX Shown on the statement XX/XX/XXXX Check cashed and stamped by XXXX XXXX XXXX XX/XX/XXXX Payment reversed, XXXX to apply no details why, bank of check confirmed funds were cashed XX/XX/XXXX {$4000.00} reapplied and an email was sent apologizing for their admin error Multiple calls confirming that the payment would be backdated since funds were NOT late, it was a result of the banking institution, and that the late payment of 60 days in XXXX would be removed. 

My payment was reported 60 days late in XXXX of XXXX. In XX/XX/XXXX on the phone I was told this late payment would be removed because it was XXXX 's mistake. It has yet to be fixed. These late payments are not accurate. The original XXXX payment was not backdated. They just reflected it as a new payment in XXXX. Their error has drastically affected my credit where I've never had a 30 late payment. 

My funds were held hostage, my calls and investigations with them go nowhere. 

XXXX of XXXX there were fraudulent charges that were disputed. My payment for XX/XX/XXXX did not post till XX/XX/XXXX. They reported that 60 days late despite it being 1 day late. My statement shows 3 payments within 60 days of XXXX. Their reporting is inaccurate. I have been going back and forth with them for over a year having to start over every time I call and not receiving any callbacks. 

Their customer service has not helped at all. 
Proof attached : check with time and date of being cashed by XXXX XXXX, gmail with their apology, statements reflecting errors & showing all payments, proof of check being sent via USPS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

On this date, XX/XX/2021 company opened a collection. 
Account # XXXX {$320.00} That I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4.

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit reports. 

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

Today I received the results from XXXX credit reporting agency that confirms from there re-investigation into a dispute I had about 2 things on my credit report. There re-investigation shows that these 2 accounts were deleted off my credit report and are not reporting anymore. However XXXX and transunion are still reporting these 2 accounts that do not belong reporting. Obviously XXXX  has done the re-investigation as the problem has been corrected.i an complaining about XXXX and transunion because they should have received the same response as XXXX   did. The company would not tell XXXX to delete them and for XXXX  and transunion to keep them. The answer is the same across the board.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I noticed some unauthorized and questionable items on my credit profile and sent Out Letters asking XXXX, TransUnion, and XXXX to Please block theses fraudulent information per sections, 615 ( f ) and 623 ( a ) ( 6 ) 15 U.S.C 1681 section 602 A of the Fair Credit Reporting Act and 15 U.S. Code 1681c-2. I am requesting that the following fraudulent accounts be deleted and blocked from my Credit File under federal law. Attach Below is Proof! I Demand Removal of these Accounts Because of inaccuracies, Violations Now!
Product: Vehicle loan or lease

I contacted Santander XXXX XXXX  at the end of XX/XX/XXXX  to talk about my auto loan that is behind in payments. We were nearing the possibility of repossession soon and I did not want that to happen. I had gotten behind due to several circumstances, one being I was suffering from XXXX and a XXXX XXXX for nearly a year. And my husbands income decreases at different times of the year and it can get us behind. I called and spoke to an agent and I had told her I would make a payment on XX/XX/2023. The payment would be {$420.00}, it was literally the only payment I could make that would be less than the full overdue amount shown on the account payment page. The payment area normally would allow me to split my payment or pay what amount I wanted. So {$420.00} was the only logically affordable amount available to me. So I did agree to paying that and it is currently pending. I went on the account page again and now I see that the lowest amount option is the monthly payment about of {$510.00} due XX/XX/XXXX XXXX The other amounts are over {$1000.00}. Normally I split my monthly payment in half and pay it every 2 weeks. Their payment options are not affordable. I would be paying nearly {$1000.00} this month if I make that next payment amount of {$510.00}. I have already paid them {$420.00}. I never said I would not pay a little more per month to get caught up or in a position to receive a deferment, but this forcing me to pay whatever they want me to pay isn't in my budget and I will soon be getting my utilities shut off if I have to try to keep up with paying nearly {$1000.00} a month to Santander XXXX XXXX. I don't disagree they want the money I am behind but this is an abusive tactic to try and force basically an extra payment a month. How is this truly helping?
Product: Vehicle loan or lease

My husband and I knew this was a simple loan with a high interest rate when we signed the contract. What we didn't know, is that we would be paying such unexplained, extensive fees that don't allow us to get ahead and payoff this loan. According, to our math, we estimate a balance of roughly {$5000.00} not {$13000.00}. We have had some health hardships and we have stayed in contact with Santander through this. The worst has been this last year when I was diagnosed with pericarditis, which resulted in a pericardial effussion ( my cardiologist believes from Covid, due to the timing and symptoms ). Unfortunately, I had to be out of work and again I was in contact with Santander, but apparently they continued to charge outrageous extra fees. 
XX/XX/XXXX - I spoke with XXXX in regard to a payoff amount. My husband and I figured we would be close since we had just paid off our truck for {$18000.00} that we had bought XX/XX/XXXX. XXXX informed me that we still have a payoff of {$13000.00}. He informed me of the extra fees, but was unable to specify exactly for what. I had asked for a detailed payment statement and have yet to receive it. XXXX was very kind and informed me of the Santander settlement and that is what is bringing me here. 
XX/XX/XXXX - My husband and I spoke with a Santander employee who was not so kind and very difficult to work with and once again, he also was unable to specify the exact reason and amounts of the fees.