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

Dear FTC, Subject : Report of Unauthorized Hard Inquiries on Credit Reports I am writing to file a formal complaint regarding unauthorized hard inquiries on my credit reports, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). The unauthorized inquiries are as follows : Name Requested On Reporting Agency 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 Equifax XXXX XXXX XXXX Equifax XXXX XXXX Equifax EQUIFAX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax EQUIFAX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax EQUIFAX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe these inquiries have been made without my authorization and are adversely affecting my credit report. I request your assistance in investigating this matter and taking appropriate actions to address this violation. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

so I disputed a bankruptcy after allot of back and forth XXXX XXXX agreed with me that it should be deleted this was over 2 weeks ago and they have not updated any of the bureaus I have called several times and they each keep telling me to call each other XXXX XXXX is saying call the bureaus they will update and the bureaus are saying call XXXX XXXX. I keep getting the runaround and I am the one suffering from this still on my credit I just want it off asap. they both already have said it would have been off already it has not I just want this updated and removed
Product: Vehicle loan or lease

On XX/XX/XXXX Santander was sent a Notice of Demand and Verification of Debt Claim that respondent did not respond as required to. 
On XX/XX/XXXX Santander was sent a XXXX notice and Demand alleged debt notice, that the respondent did not respond as required to. 
On XX/XX/XXXX Santander was sent a XXXX notice of opportunity to cure that the respondent did not respond as required to. 
XX/XX/XXXX Santander was sent a XXXX Notice sworn certificate of default that the respondent did not respond as required to. 
On XX/XX/XXXX, XXXX was sent certificate of non response. 

I am conditionally accepting Santander demand to surrender possession of the XXXX XXXX XXXX XXXX on proof of Claim that Santander is the lender in fact. 
Santander is the holder in due course. 
Santander has not securitized the XXXX XXXX XXXX XXXX Receivables. thereby making it unenforceable. 

After weeks of research pursuant to the Fair Debt Collection Practices Act. XXXX XXXX XXXX et. XXXX, this constitutes timely written notice that I dispute the entire amount of the alleged loan and that I decline to pay the erroneous, purported debt Notice which is unsigned and unattested and which I discharge and canceled in its entirety, without dishonor, on the grounds of breach of contract, false representation, and fraud in the inducement. 

Santander, contract violates the national Bank XXXX of XX/XX/XXXX. XXXX, wherein only lawful money based on personal security XXXX be loaned see also title XXXX & XXXX paragraph XXXX of the XXXX so I am challenging the validity of any alleged debt under Article XXXX & XXXX of the constitution of the united states, in its entirely of any alleged debt under the fair debt Practices Collections XXXX of XXXX XXXX & XXXX XXXX XXXX and XXXX XXXX XXXX ( d ) ( XXXX ) as their alleged Retail Sales Installment Contract violates Public Policy. The above evidence and documentation means Santander documents have been materially altered by endorsement which discharges the drawer and maker under XXXX of the Maryland XXXX XXXX. 

Santander, have refused to answer any of my Notices, thus ending alleged agreement and giving me evidence that you did not follow XXXX. According to the bookkeeping entries, the borrower provided the money or credit, a thing of value, to fund the alleged loan or check or similar instrument in question. Failure to answer any of my notices tells me that Santander acknowledge that I funded the alleged loan and the loan agreement was stolen and forged. thus ending any claim you have against me. 

At this time, I believe Santander is in possession of contraband, forged property that looks like a promissory note/contract with my name on it. 
I now believe I have evidence that the terms and conditions of the alleged agreement are concealed, the promissory note/contract was stolen, forged and/or altered, No good title can pass with a theft. There was no meeting of the minds or mutual assent regarding these questions and Santander have refused to explain the terms and conditions by answering these questions. Therefore, there is no valid agreement.
Product: Credit reporting or other personal consumer reports

CFPB, IM ATTACHING SCREENSHOTS ON HOW TRANSUNION KEEPS GIVING ME LOW SCORING POINTS I'VE PAID DOWN ACCOUNTS ON TIME AND THEY ARE CONTINUOUSLY GIVING ME 2 POINTS PER MONTH.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Synchrony bank/ Paypal has accessed my credit report from XXXX XXXX I have never contacted or seek to get any kind of financial product from the company. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a clear violation of my rights.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate late payment entry on my credit report, as allowed under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). I believe this information is not correct, and I am requesting that you investigate this matter promptly. 
The item in question is a late payment reported by XXXX XXXX for the account number XXXX. The late payments are reported as being dated [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ], and I firmly believe this is inaccurate for the following reasons : 1. I have always made my payments on time, apparently they have administrative errors 2. Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal.

I also wish to highlight that under 15 U.S. Code 1681s-2, furnishers of information are obligated to provide accurate information to credit reporting agencies. Given the circumstances outlined, I respectfully request that you take the necessary steps to remove this late payment from my credit report as it does not reflect the true nature of my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Identity has been compromised and misused for the XXXX XXXX mobile and auto fraud applications. As a result of these acts I have suffered significant blows to my credit reports that need to be investigated and corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am 30 days past due on XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Checking or savings account

i went into wells fargo to open a savings account we sat down with the manager he was asking my husband and myself have we ever opened an account with wells fargos my husband had open an account a few years back and it will be my first time so the guy was asking me if i ever lived at this place i said no then he ask me if this email was mine i said no then he asked me are you sure you never opened an account with us before i told him no. i told him it doesnt make sense why would i come in here today to open one. he was on the phone talking to wells fargo fraud divison now he was starting to make me feel uncomfortable like i did something wrong so this lady walks over and ask whats going on i was trying to ask him the same thing so i was getting irritated because he wasnt telling me anything all he said at this time we are unable to open an account for you i asked him why not he told me i cant give you that information my husband ask if we can get a copy of why they are denying me he gave me a number to call so i called the number left like three messages so she finally called i gave her my first and last name i told her i try to open an account and i wasnt able to and was told to call this number so now im calling she asked what its aboutt im trying to find out myself she said she will call me back when she finds out whats going on still waiting can you please help me out im really trying to build my credit not destroy my credit need help thank you
Product: Debt collection

Convergent outsourcimg, XXXX XXXX   XXXX open in 2016 XXXX XXXX XXXX at. XXXX WA XXXX Account XXXX Child support account that is closed still account Inaccurate verification of my identity on credit bureau the questions that they have does not match anything that I have going on there for it will not let me prove my identity to be able to log into my accounts with all three credit reports
Product: Vehicle loan or lease

In XX/XX/2022, I was behind 3 car payments which is about {$1600.00}. In late XX/XX/2022, I set up an automatic payment of {$500.00} bi-weekly. To date, I have paid over {$2000.00} and Credit Acceptance is still saying I owe about {$1500.00}. Why? Because my car payment, according to them, is due on the XXXX of each month and even though I set up and fulfilled my {$500.00} bi-weekly payments for the past XXXX weeks, the payments that are supposedly due on the XXXX of each month are rolled over. I'm also charged an additional {$24.00} a month for late fees. 

I called the company today and asked them if I can change the date of my scheduled payment ( not the auto payment I set up ). I was told no. How can a finance company not accommodate their customer? In addition, charging me extra late fees when I have been paying {$1000.00} monthly. At this rate, I will, as stated previously, die paying this debt off. 

This is my second complaint of predatory financial practices for Credit Acceptance. This is unfair should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX & XXXX XXXX ( their go to debt agency ) has been contacted by myself for over 2 years. I get the run around I get forms to fill out no follow up at all. I now want to seek federal action. My credit cards and debit cards were stolen 2017. They are reporting inaccurate on my credit reports. They all pass the blame to the other and do not correct the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was checking  my credit report found an account of a credit card that i never owned showing in the negative on my credit report. The credit reports show the card was issued by Bank Of America (BANK OF AMERICA #XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX (XXXX) XXXX Date Opened: XX/XX/XXXX
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Balance: $XXXX
Date Updated: XX/XX/XXXX
Payment Received: $XXXX High Balance: $XXXX 
Credit Limit: $XXXX Pay Status: Current; Paid or Paying as
Agreed
Date Closed: XX/XX/XXXX
Delinquency of 30 days in XX/XX/XXXX and in
XX/XX/XXXX< I called Bank Of America because i have no knowledge of this account nor the negative report on my credit. I called the Bank Of America credit card company  was told by the credit card dept that they do not have anything in their records showing that i ever had a credit card with them and there was nothing they could do ( spoke with representative XXXX from the Arkansas Bank Of America credit card department) I need this problem and error fixed and my credit report corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6100.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9600.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9000.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3100.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance {$420.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I have a block on my credit report stating " Blocked for promotional purposes ". I am a veteran trying to purchase a home and my credit report through equifax can not be obtained due to this block. I have called numerous times and was told this block was removed but it wasn't. I have sent a letter with my identity to verify who I am to unblock it with no response. The block is still on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX My Credit report shows a XXXX account that was financed Thur XXXX XXXX XXXX  XX/XX/XXXX I was writing to XXXX they say it was sold to XXXX XXXX and I wrote them and all they did was change the Account Open date from XX/XX/XXXX TO XX/XX/XXXXIve wrote to midland several times regarding this error and the statute of limitations has passed and this account should be removed off ALL 3 credit bureaus So Im reaching out to you for help Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX. 
# XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX Has violated my rights.

15.u.s.c. 1681 section 602 a. States I have the right to privacy.

15.u.s.c. 1681 section 604 a.section 2. States a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

This nightmare happened when I got locked out of my online account. I believe something is wrong with the site, because the security questions did not allow me to gain access, And I know I answered some of them right. But still didn't allow me to gain access. 

So after a number of attempts the site automatically locks you out, and tell you to call the company and you have to speak with agent to have them reset the account. 

I have been calling BSI since monday, leaving messages, e-mails multiple times a day and I get no call back, no e-mails. 

BSI uses the same number for everything ... .For example, I found a number on their website for " Sales '' XXXX it sends you to the same dead-end phone tree. 

Now, I must mail the payment over. I do not like to send my payment through the mail : 1 ) I don't own checks so I have to pay for a money order 2 ) I have to spend time , drive wait in line at the post office 3 ) Pay a higher fee so that the check can reach them on time They said if they don't get the check before the XXXX I will be charged with a late fee? 
how can that be fair that they can charge that? I am trying to gain access to my account ... .they have the power to unlock the account, but nobody is working. 

Also no real indication on what they are doing through the crisis. Nothing telling the customers about the lack of resources ... or other options to pay, If you want to pay over the phone it sends you to the same dead phone tree.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I sent Experian a letter updating my personal information. My name, address and employer. Experian reached out & updated my employer & address. My name was NOT updated. I sent in copies of my social security card along with my identification. On XX/XX/23 I reached back out to Experian asking to update my name & there should only be 1 address on my profile. Experian emailed me Stating updated information. I should have 1 name 1 address & 1 employer on my profile. Experian will NOT delete other names/addresses off my report even after me sending in proof
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I filed an online dispute for two erroneous XXXX  XXXX bankruptcies listed on Equifax credit file. One being case # XXXX and the other case # XXXX. As of XX/XX/2023, I have not received any result from the investigation and the dispute still reads " Under Investigation '' on Equifax 's website. This is a clear violation of the Federal Credit Reporting Act. I demand these bankruptcies be removed immediately. I have attached a screenshot of the online dispute status, along with additional evidence that XXXX XXXX, the supplier of these erroneous bankruptcies, has removed this information from my file.
Product: Debt collection

With Regards to a debt from XXXX XXXX XXXX ; the rent renewal was short term for the reason of relocation, but since the keys were not turned in the landlord continue to charge monthly rent that totaled {$12000.00} without showing an source of when the place was rented to another renter. No calls has been returned by the landlord and several attempted has been made.
Product: Debt collection

I took out a {$500.00} payday loan from XXXX, which was eventually sold off to XXXX XXXX XXXX. These collectors are hyper aggressive, calling my place of work and threatening to serve me court papers. I realize this is an empty threat. 

This is threatening my job security and while I've spoken to 3 different agents with this company, 2 of them have hung up on me while I attempted to get a written letter of debt confirmation. 

I told the agents I would be willing to pay down my principal balance from the original loan for {$500.00}, but no more. They got angry and tried to scare me into paying over {$1000.00} and proceeded to hang up on me when I tried to get their physical address in order to send a certified letter of debt confirmation, since I really don't know who these guys are.
Product: Mortgage

Have applied for a modification with Ocwen. There is a divorce decree, marital separation agreement and quit claim deed in my name alone. XXXX XXXX. Ocwen is assisting to get financial information from my ex husband who is also on the note. He does not live there. He does not provide any financial support to the household expenses.
Product: Debt collection

They refuse, on a recorded line, to speak with me in regards to my account. The manager XXXX hung up on me several times. They do not state the mini miranda, unless you become a problem. They disclosed 3 rd party information, did not mirandize, and refuse to answer my questions in regards to this delinquent debt. The account was placed on the credit as opened on XX/XX/XXXX when in actuality it's from XXXX. Direct FDCPA violations. The supervisor hung up on me over 5 times and blamed it on her " headset being dead. '' Very rude, unprofessional. Already sent certified mail requesting proof, never got it. I plan to file suit if this case is not dropped. This company is operating outside the lines of the FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I payed Equifax to help with my credit My Social Security number is out on the web being sold or used by someone without my knowlage My name my address my account numbers my social security number My credit Are all at risk.or not I would like an ANSWER
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in XXXX for the past XXXX XXXX  going to XXXX and just got back early this week. I received multiple calls and letters of accounts that did not belong to me. I reached out to all banks and notified them that they do not belong to me. I have already filed a police report and sent all documents required via US mail to the credit bureaus. Please help me resolve all these accounts that do not belong to me and clear my name of these accounts. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX CREDIT HAS REPORTED LATES ON XX/XX/XXXX AND XX/XX/XXXX. I HAVE CONTACTED THEM TO PROVIDE PROOF OF THE INCORRECT INFORMATION, BUT THEY HAVE NOT RESPONDED AND CONTINUE THE INCORRECT REPORTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX XXXX  acct # XXXX which I voluntarily CLOSED which acct is listed as CLOSED on its web page but my acct is still inaccurately reported as OPEN on my XXXX, XXXX and Trans Union credit reports despite my CFPB disputes. In fact, on XX/XX/2023, XXXX sent me a report stating XXXX XXXX XXXXXXXX XXXXOutcome : Remains - The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. My account is CLOSED and continual reporting of my account inaccurately as OPEN and false certifications constitutes willful violations of the FCRA and Metro 2 compliance protocols subjecting violators to {$1000.00} statutory damages per willful violation. Kindly reinvestigate and either promptly report my account as CLOSED at consumers request or permanently delete my account and block access to the violating furnisher. The FCRA and Metro 2 protocols require prompt and immediate mid cycle reporting an account as Closed when requested by the consumer by phone or otherwise. False certifications and sloppy investigations shall not be tolerated. Similarly, as if XX/XX/2023, my XXXX and Trans Union reports continue to inaccurately report my account as OPEN.