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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account SANTANDER with Account Number XXXX and a Balance : {$5200.00} is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one auto is in Violation of my consumer rights, they have continually disregarded my disputes of inaccuracies along with not complying to my original dispute but have only stated the account has been verified.. although I have paid off the account in full and it is closed they are still showing late payments that are inaccurate and false this is affecting my consumer report they have had more than enough times to fix this false reporting which is playing a huge part in my credit score fluctuations causing issues with promotions at work and trying to buy a home.. I am extremely exhausted with this situation not having any justification or explanations to me the consumer please delete all PAYMENT that are hurting my report The CFPB states if your account is current and you make an agreement to make a partial payment, skip a payment, or other accommodation, then the creditor is to report to credit reporting companies that you are current on your loan or account. 
If your account is already delinquent and you make an agreement, then the creditor can not report you as more delinquent ( such as reporting you as 60 days delinquent when you started out 30 days delinquent ) during the period of the agreement. If your account is already delinquent and you make an agreement, and you bring your account current, the creditor must report that you are current on your loan or account. I have the documents proving that I made payment agreements and they still reported late which is a violation of my rights
Product: Student loan

The Great Lakes ppl I have called multiple times! I did n't even know I had s defaulted loan! I pay all the other loans! Auto pay! So where is this loan! I ca n't find it and I could n't get a home loan!
Product: Mortgage

I have been under FEMA forebearabce since XXXX due to Hurricane Irma. This is my second CFPB Compaint regarding this. In response to my prior compaint, My Loan Care acknowledged I was under FEMA forebearabce ( but did not resolve ANY of the other offenses I complained of ; which remain unresolved to this day ). I have now been kicked off their website and am unable to make a payment. After spending more than an hour trying to speak to a customer service rep, I was explicitly told that ( a ) I was not under a FEMA hold, and ( b ) if I wished to make a payment there would be a {$15.00} charge. 

Now my forebearabce is ending and they keep insisting I apply for a modification or loan repayment program, which would change my loan terms and increase my interest rate. This my have been lying and scamming me and giving inconsistent advice the entire time I have been under FEMA forebearabce. AND they 're charging me inspection fees, which I should not have to pay since I 'm not in foreclosure. Nonetheless, by locking me out of the website and refusing to accept my payment without charging exorbitant fees, they are literally trying to force me into foreclosure. 

I understand that they want me to Sue them to get a favoriable resolution ( which may be my only option at this point ). But I have recorded calls and PROOF that I have been lied to, scammed, have had my payments rejected unless I pay a high fee, and am basically being pushed into foreclosure or an unwanted modification.
Product: Debt collection

XXXX XXXX XXXX XXXX fraud account in my name. When discovered they closed the account. No devices were used. They are charging me for the time the devices were sent to me and unused. This should not exist! They sent it to a credit company to collect the fraud debt created by them. This is criminal! {$130.00} is owed now. 

This company bought the fraud debt! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX
Product: Checking or savings account

Chase checking account. My debit card or account was hacked and because the transactions were linked to my pin chase is stating I made those transactions. Which I didnt .. its not impossible for hackers to obtain all your information and its disappointing chase cousins help me with refunding me my hard earned money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously disputed fraudulent/not mine inquiries on my credit report and Equifax refusing to remove them. They come back as " factual '' without a full investigation or evidence that they belong to me. This dies NOT adhere Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). Below is my Equifax Dispute information. 

Confirmation number : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I applied for a credit card via XXXX XXXX XXXX XXXX. The application was declined, and stated my report could not be accessed since it was locked/frozen via Experian. 

On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX and spoke with XXXX, who informed they would not/ can not delete the hard inquiry, and confirmed the aplpication was declined due to my locked report.

After contacting Experian numerous times, I can not resolve the situation & the inquiry remains, affecting my overall credit.
Product: Credit reporting or other personal consumer reports

Ive recently been Disputing inaccurate information that is being reported on my credit report by all 3 credit bureaus Experian, XXXX, and XXXX and I truly believe that my disputes were not investigated properly, even with providing proof with pictures of inaccurate reporting and also requesting for theses companies to provide me with proof that the alleged debt belongs to me. After these accounts have been verified over and over by all 3 credit bureaus, I still have not received any proof of these alleged debits belonging to me the only thing Ive received is a letter saying that these accounts have been verified and are reporting accurately. Ive asked for several reinvestigations and information on how these accounts are being verified and investigated and still nothing but these accounts have been verified and are being reported accurately. These credit bureaus are allowing companies to verify accounts without providing proof or documentation and my consumer rights have been violated over and over again. I have attached all my documentation, proof and pictures to this complaint and I am also aware of the CFPB lawsuit against both Experian and XXXX for Improper Investigations of XXXX XXXX XXXX, which I truly believe I have been a victim of. If a proper investigation was preformed, I believe the inaccurate information would have been removed from my credit report. These accounts should be removed from my credit due to inaccurate reporting, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Ive also noticed every time I disputed these accounts, they get updated with different information so that they can be verified as accurate. I have attached supporting documents to my complaint.
Product: Vehicle loan or lease

{$4000.00} down payment, on a {$7000.00} loan. Crooks here is a copy of my XXXX   credit report can the company please explain how i owe this much?
Product: Credit reporting, credit repair services, or other personal consumer reports

The following late payments are billing errors pursuant to 15 USC 1666b.

Under the GLB Act of 1999 nonpublic information such as late payments shouldn't be disclosed to any non affiliated third party such as credit reporting agency without my lawful consent 15 u.s.c 6802 --
Product: Checking or savings account

On XX/XX/XXXX XXXX XXXXXXXX I spoke with customer service at Bank of America in regards to making XXXX  payments and the protections should the transaction be fraudulent. I spoke with " XXXX '' ( XXXX : XXXX ) who incorrectly advised me that if fraudulent, I would be able to file a claim to get my money back. This was not the case Series of events XX/XX/XXXX XXXX XXXXXXXX I spoke with XXXX : XXXX ( XXXX ) XX/XX/XXXX XXXX XXXXXXXX I spoke with XXXX : XXXX ( XXXX ) Following that call, the following XXXX payments were made on XX/XX/XXXX {$800.00} to " XXXX  '' {$600.00} to " XXXX  '' {$1500.00} to " XXXX '' and on XX/XX/XXXX {$1100.00} to " XXXX '' On XX/XX/XXXX I called several times XXXX XXXX  11 mins - To report fraud XXXX 3 mins - Voice mail XXXX 13 mins - XXXX department I believe XXXX 95 mins ( filing claim with fraud department On XX/XX/XXXX I also filed the following Complaint with Florida Attorney Generals Office Complaint with ITC3 Internet Fraud Police Report XXXX XXXX County Sheriffs Office , FL On XX/XX/XXXX I spoke with a XXXX of BofA to get information so I could file a complaint with BofA. XXXX confirmed the call history, and provided me the agent 's id. I was then told to contact XXXX XXXX in the Client Care Department to register a complaint XX/XX/XXXX I sent email to XXXX XXXX stating my claim. 

XX/XX/XXXX Spoke with a " XXXX '' from bank of america regarding my complaint. SHe told me she would research the call on XX/XX/XXXX to determine exactly what advice I was given. 

XX/XX/XXXX - " XXXX '' called back and said that the recorded call on XX/XX/XXXX does not exist and that there was no call history for my account prior to XX/XX/XXXX. This contradicts my phone records and the info previously provided to me in other calls to BofA. 

It is my firm belief they are not acting in good faith or with due diligence
Product: Checking or savings account

I have a chime account online. I got Security codes stating use the code get into my account on XXXX. I called bank stating someone trying get into my account. Told me change password. I did on XX/XX/XXXX XX/XX/XXXX It happened again I called said same thing stated my stimulus check just came in can't do anything else said it dolly be fine change password. Someone hacked into my account changed my phone number to there's and sent two checks to themselves. XX/XX/XXXX XXXX XXXX for XXXX and XX/XX/XXXX XXXX XXXX for XXXX. I didn't have access to my phone when found this out called the bank.. stated that my account was suspended due to suspicious things. Person changed phone number back to mine XX/XX/XXXX. I was able to stop XXXX check the XXXX was cashed. Bank stated they can't help me cause was a check. Been waiting 3 weeks for information on the check supposed send me nothing. Each time I called got different answers. I filed a police report. Still not resolved. Still same things different answers each time. Please help me.
Product: Credit reporting or other personal consumer reports

All three credit bureaus are reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$600.00}.
Product: Money transfer, virtual currency, or money service

Before I could direct the funds elsewhere, by the time the IRS released the " get my payment '' tool they had already disbursed my stimulus funds into my cash app account. I'm on day XXXX now and I still can't cash out or access the money in that account. Support is nonresponsive. Every time I try to access my money it says " We've detected unusual activity. To protect your funds we've temporarily locked your account. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Writeup I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. Here is my tracking number : XXXX, XXXX, XXXX via USPS. It has been over 30 days. These consumer reporting agencies are in violation. 

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT DUE TO THE 2017 EQUIFAX DATA BREACH. PLEASE REMOVE THE ITEMS LISTED ON MY FTC REPORT FROM MY CONSUMER FILES.
Product: Money transfer, virtual currency, or money service

Paypal closed my account for the reason that i dont know, i just transfer orsend to another paypal account and they said it was hold for 24hrs but after couple of hours they limit my account and hold my money for 180days which is unfair coz the money i sent is for paying debt to the person i supposed to paying it. paypal dont give a explaination or not giving chance to me for required requirements to re open it..only they give is 180days to wait and that is not ok
Product: Credit reporting, credit repair services, or other personal consumer reports

As submitted on XX/XX/2022 Consumer Reporting Agencies investigation did not address my complaint at all and in fact was not a thorough investigation at all. besides not addressing my original complaint of them violating*15 U.S.C. 1681 section 602 A states I have the right to privacy Also *15 U.S.C. 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions. not one person of interest or knowledge was interviewed or contacted including myself. A reasonable investigation under FCRA 1681s-2 ( b ) requires the furnisher to examine sufficient evidence to determine whether the disputed information is accurate. in addition to the failure to a reasonable investigation they should be held to the subject of penalty which includes " Not complying with the FCRA can subject your company to statutory damages of $ XXXX {$1000.00} per violation. '' as per defined by the Fair Credit Reporting act. my original complaint is listed below with case numbers first. 

***complaint numbers : XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX Original Complaint : In accordance with the fair credit reporting act the following account have violated my rights. *15 U.S.C . 1681 section 602 A states I have the right to privacy Also *15 U.S.C. 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions. Accounts : XXXX XXXX Co Division of Child Support Account number XXXX XXXX ) XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX
Product: Checking or savings account

My issue with Capitol One started. When the secondary owner on an account called customer service to have him removed from the account. Somehow during this process my account was frozen and locked. I called in and they told me that I needed to have my husband call back in to resolve some issue. He did and I called because my account was still frozen. They said that he didn't call in. We ended up doing a XXXX way call and got transferred to the customer protection department where someone hung up on us. We called back in again and we got ahold of someone who seemed to know what they were talking about. Turns out My husband had all ready called in and resolved the issue. Not sure why the other reps weren't able to see, and telling me it still hadn't been done. I was told at that point that I would not be able to use that account anymore. I would need to open a new capitol one account, and transfer funds over. I created a new account called back in and they transferred to money. I told the lady that i was still expecting a direct deposit to come thru so i wanted to leave some money in the account. They told me they would be transferring my old debit card to the new account. I attempted to use the card and it didn't work. When I called someone told me that I would not be able to use my old debit card with the new account. I also asked why my direct deposit hadn't come thru yet. She told me the account was closed, and would not be able to accept that deposit. I would have to wait until the deposit was received by my employer. I asked an account manager to provide me with a letter explaining what happened. I wanted this to inform my creditors that I would be able to pay when I received my funds. Capitol one refused. They offered me a very disappointing apology and failed to explain what steps they would take to prevent this from happening in the future. Dont use Capitol One because : Service reps are poorly trained Service reps provide in accurate information Service reps may close your account without your permission Capitol one forces you to call in multiple times because they fail to correct the issue the 1st time. 
Capitol one doesn't care about their customers
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. 

XXXXXXXX XXXX : # XXXX, has violated my rights. 


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

I have reached out to experian to update information on my credit report tk reflect what zu current for my XXXX XXXX bankruptcy filed on XX/XX/XXXX. Experian has sent and updated the date of removal for serval of my credit accounts. The main one being XXXX XXXX XXXX. The first date of delinquency is as reported and has not changed is XX/XX/XXXX. Therefore, the date of removal of this information from my credit report would be XX/XX/XXXX. Experian completed and ingestion on XX/XX/XXXX updating the account with a removal date of XX/XX/XXXX. This extends the date of last activity date as well as the reporting timeframe is which the account is to legally be reported on my credit. I have tried to have the account update to state that it had been petitioned and included in my XXXX  XXXX bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect Balance, Upon Reviewed my Statement, the disputed of a Purchased in the amount {$1200.00} on XX/XX/2018 from XXXX XXXX XXXX have not yet credit to my account, as i have reached out to the merchant regarding about this matter, and have receives confirmation letter from the merchant regarding about the refunded amount. Attachment are proof settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has not updated incorrect account and balance information to the credit bureaus since XX/XX/XXXX. The loan is showing it's still in delinquent status and causing my scores to drop 11+ points each month due to this issue. The account has been current since XX/XX/XXXX and the balance is {$2100.00} less than what is showing with the credit bureaus.
Product: Credit card or prepaid card

this card is closed due to the merchant going out of business, I still owe on the card and can no longer access my acct online to pay it. I have to try and call every month and try to get through their automated system. They also will not set me up on auto pay even though I have asked. No time frame on when we will be able to access our accts online again or when we will be able too set up auto pay.
Product: Credit reporting or other personal consumer reports

I called when I first noticed this when I was going through identity theft and looking at all my reports. I noticed this fraudulent account from Bank of the West, now known as XXXX. Ill post a screenshot of what is on my XXXX and what I see. 
I have contacted them for the past 2 months trying to get this account disputed, closed, and taken off my XXXX with no luck. I go into the branch with my social security card and ID and they find a profile but cant find an account. So they give me a fraud number to call XXXX and a collections number to call XXXX. None of those numbers were any help. They tell me the exact same thing. No one can find the account under my socail security number adn they can no loneger be of help. To go into a branch. How ironic. The branch tells me to call, customer support tells me to go into a branch. I have spent countless hours on the phone. Literal hours. I'm done getting led around like a chicken with his head cut off. I need this account disputed and taken off now before I seek legal help. This is ridiuclous. Other banks had an easy dispute process and are already taken off due to fraud. This is the only bank giving me issues to even find the account t to start the dispute.