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

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

I have an auto loan with Santander Consumer USA on XX/XX/XXXX. I unfortunately had to declare bankruptcy in XXXX, XXXX. I signed a reaffirmation agreement on XX/XX/XXXX with Santander stating I would continue making my regular monthly auto payments to Santander Consumer USA. My bankruptcy case was XXXX XX/XX/XXXX. 
One week ago, I tried to refinance my car in order to get a lower monthly note. Upon finalizing the deal, the lender told me they could not finish the loan due to the fact that Santander has NOT reported ONE single payment after my bankruptcy to any of the three credit reporting bureaus. I called my attorney, she re-sent me the Reaffirmation paperwork, I called Santander Consumer USA back and told them they were obligated to report my monthly payments to the credit bureaus and they told me, after speaking with the manager on duty, they did NOT and would NOT ever be reporting any payment of mine since the discharge nor any future payment I made. I asked what my options were and they told me : I have one option ... pay the entire loan off. What a XXXX auto loan company ... that IS against the law and I want to know what you will do about it since I see there are MANY unhappy customers who have also been screwed over by Santander XXXX. This is grounds for discrimination, defamation of character and surely an FCC violation and fraud! Please teach Santander Consumer USA a valuable lesson so they do not have the chance to hurt other vulnerable blue-collar workers just trying to take care of themselves and their families, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have really struggled during covid I have made my payment noted some were not over 30 Days late but XXXX XXXX XXXX XXXX has put every kind of negative remark they could to diminish my credit Ive payed and as of XXXX my accoubt was changed to good standing I payed two payments in XXXX and two in XXXX which I have supporting documents on XX/XX/XXXX I have a delinquent status again but I bought a new car on the XXXX and traded that one in Ive sent all the in formation to both creditor and TransUnion no one is replying to my emails they hang up the phone on me please do not let this company continue to behave this way. I didnt need a new car but they have been such a headache I wanted to get out from Under that loan so I had no dealings with them they do not care about the customer harass you daily during covid manager says they stop doing latte fees during covid but yet they still are taking them out
Product: Checking or savings account

I have 2 saving accounts with Marcus by Goldman Sachs. I called Marcus on XX/XX/2022 to close the accounts and receive the funds via check. Total fund {$200000.00}. On XX/XX/2022 I called Marcus trying to find out why I still have not receive the check yet. The operator told me that the check was sent to XXXX instead of my home address in XXXX Arizona based on the the bank tracking number. I told them I need fund by XX/XX/2022 because I have a meeting with my banker in XXXX Bank on XX/XX/2022. After two conversation with a supervisor named XXXX, I was told by her that I can get my fund wire transferred after my Chase bank meeting on XX/XX/2022. A half hour later a person name XXXX called me again told me that they can not wire me the fund. I have sign a lost check form and mail back to them before I can receive the fund. XXXX told me that she will overnight mail me the form so I can return signed lost check form back to Marcus in a enclosed envelope. As of XXXX pm XX/XX/2022 I have not received the package for the form so I called Marcus again. The customer service manager told me that the form in the package was not sent overnight. On XX/XX/2022 I finally received lost check form. The information in the package sent to me was not complete and I have to call Marcus to obtain the information ( check #, check date and check amount ) need to complete the form. Finally I completed form in XXXX Bank branch with my personal banker by my side. I stopped by XXXX and sent the package back to Marcus. I called Marcus again after I dropped the form in XXXX and spoke to a Marcus supervisor XXXX and he told me on the phone that notes on my account stated that Marcus will wire the fund once they received the form. However when I called Marcus again on XX/XX/2022 as the XXXX tracking showed that Marcus has received my lost check form. The supervisor XXXX on the phone told me that Marcus will mail me another check. I asked her why I again receive another message that is different that XXXX told me on XX/XX/2022. XXXX told me to hold so she can ask for upper management. After over 30 min waiting and discuss, I finally received another information - I was told by XXXX that once the lost check form is processed ( 3-5 business days ), I will get a call from Marcus to let me know I can request close the account again as Marcus will reopen my old saving accounts. then I can get money wired or transferred to my XXXX account. 
How can I believe I am doing business with a real FDIC insured bank if every time I make a call to speak to customer rep or supervisor I get a different answer? Marcus should not be in banking business!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XX/XX/XXXX Subject : Dispute of Unauthorized Credit Inquiry XXXX XXXX XXXX XXXX XXXX Account # XXXX To Whom It May Concern, I am writing to dispute an unauthorized credit inquiry that appears on my credit report. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, I believe this inquiry was conducted without my authorization or permissible purpose, and I am requesting its immediate removal from my credit report. 

The unauthorized inquiry is listed as follows : Date of Inquiry : [ XX/XX/XXXX ] Company that Made Inquiry : [ XXXX XXXX XXXX XXXX ] Under 15 USC 1681b, a credit inquiry may only be made under specific circumstances, such as : When the consumer has initiated the transaction or request. 
When the inquiry is for a legitimate business need related to a transaction initiated by the consumer. 
For account review purposes by a current creditor. 
For employment purposes ( with written consumer authorization ). 

I have not authorized any credit inquiries with [ XXXX XXXX XXXX XXXX ] on or around the date mentioned above, nor do I have any existing relationship with them that would warrant such an inquiry. 

I am requesting that you : XXXX. Investigate this matter with the company listed above. 
XXXX. Remove the unauthorized inquiry from my credit report. 
XXXX. Provide me with written confirmation of the removal. 

Please find attached a copy of my credit report highlighting the unauthorized inquiry, a copy of my drivers license, and a utility bill for proof of address. I appreciate your prompt attention to this matter and look forward to your timely response within the 30-day investigation period mandated by the FCRA. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Checking or savings account

This is my second complaint because Kikoff dont have a way for me to contact them so I can verify my information so I can get my money back at least. Before I was trying to keep an account with them but all I literally want is my money back that they owe me which is {$220.00}. They have my email and phone number. There was a point when I did get one reply from a email about 3 months ago when I first started having problems but having gotten a reply since. I definitely feel like I should be compensated for having to wait so long to get my money back and Ive been trying everything possible to try and reach them. I feel like theres no effort on there end to get me my money back. Kikoff Im still reallly upset on how yall handled things and this really show yall dont care about people at all. I have been through some tough times where I really needed my money back and there was nothing I could do about it. Just please contact me and compensate me for not getting my money back in time.
Product: Credit card or prepaid card

Stimulus card was sent to a old address... I was XXXX  at the time and someone from the home we sold activated the card and withdraw all my Stimulus {$1400.00}. I was just recently released from XXXX XXXXXXXX  and irs stated they sent payment to debt card .I got transcripts of withdraws and notified them I wanted to dispute the charged and I filed with the federal trade commission and with the irs About the identity theft ..Irs stated that the card company should refund ..but card company money network denies any appeal.
Product: Debt collection

I XXXX XXXX along with my husband XXXX XXXX are going through a long term financial hardship. We most likely will be filing for a Chapter XXXX   bankruptcy in the near future. In the meantime, we have asked numerous debt collection agencies to cease and desist making threatening calls to both of our cell phones. These collection agencies are even calling our neighbors and relatives looking to make contact with us. This has to be an illegal collection practice, and we do not desire to have relatives know of the financial problems we are going through. Accordingly, we wish to have all calls cease immediately.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. JPMCB CARD XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) conducted a hard inquiry on my credit without my knowledge or consent. I want this information removed immediately.
Product: Debt collection

Accounts Account Name Account Type Open Date Status Balance XXXX Auto XX/XX/XXXX Closed {$300.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 42 Months Monthly Payment {$250.00} Responsibility Individual Balance {$300.00} Highest Balance {$7100.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XXXX Amount Past Due {$300.00} Times 30/60/90 Days Late 0/0/0 Remarks Payment after charge off/collection Returned voluntarily Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 


Creditor Contact Details XXXX XXXX XXXX XXXX, MI XXXX Above I have sent my credit report on the issue regarding to my voluntary repossession in XX/XX/XXXX. Now in are present date my checks are still being garish ; as u seen above it stated that my last payment was on XX/XX/XXXX which is not current cause my employer pays me weekly. Also my balance say {$300.00} and previous my check on XX/XX/XXXX was garish. If my paid weekly and last payment was XX/XX/XXXX I 'd over paid and still getting my checks garish.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a member of XXXX XXXX XXXX XXXXXXXX XXXX. A few weeks ago I noticed an inquiry on my account that I did not authorize. I contacted XXXX and they removed it. Two days ago I got an alert that my credit score had dropped XXXX points and there were several more inquiries on my account that I did not authorize. I froze my account with XXXX, Transunion and XXXX. I called each company and disputed these inquiries. These inquiries are : Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I reached out to Experian to have a fraud alert removed from my credit file considering it has never worked to prevent credit inquiries and inaccuracies. Per the rep she verified my information and advised she had removed the fraud alert. I called on XX/XX/2021 to confirm the fraud alert had been removed from my credit file and was told it was still there and it was an active-duty alert. I asked her how is this possible when I have never served in the military. She could not explain and told me I needed to speak to another department to have it removed and they were closed for the day. I am so frustrated with the credit bureaus because they are adding things to my credit file that is inaccurate and invalid. I also noticed several invalid addresses, names, inquires and accounts on my report and I have disputed them several times before and they remain on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. CHAPTER XXXX   BANKRUPTCY DISMISSED XXXX XXXXCHAPTERXXXX BANKRUPTCY DISMISSED XXXX CHAPTERXXXX BANKRUPTCY DISMISSED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX - Account # XXXX has violated my rights XXXX XXXX - Account # XXXX has violated my rights XXXX XXXX - Account # 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 that a consumer reporting Agency can not furnish an account without my written instructions I am requiring the enforcement of my privacy as I did not give any written instruction to any credit reporting agency or bureau for these accounts or any remarks to be furnished on my credit report.
Product: Credit reporting or other personal consumer reports

I am formally disputing the recent update to my credit report on XX/XX/year>, regarding the XXXX XXXX XXXX account and requesting a re-investigation of all reported details. According to XXXX XXXX 's response in CFPB complaint XXXX, they claim to have purchased the account from XXXXXXXX XXXX XXXX XX/XX/year>. However, I have not received any evidence from XXXX XXXX to support valid assignment or transfer documents from XXXX XXXX or XXXX XXXX XXXX XXXX that authorize XXXX XXXX to collect on this Collections account. Additionally, for my credit report on XXXX the XXXXXXXX XXXX XXXX account, as reported on XX/XX/year>, reflects a {$0.00} balance and was marked as charged off and transferred as of XX/XX/year>. This raises further questions about the legitimacy of the collection account being reported by XXXX XXXX, as the original creditor reports no outstanding balance or past due amounts. For my credit report on TransUnion, XXXX XXXX or XXXX XXXX XXXX XXXX  are being reported to support any balance due or owed for XXXX XXXX to collect on {$1000.00}. Under FCRA 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy in the reporting of information. Since the original creditor reports a XXXX balance, there is no valid reason for XXXX XXXX to be reporting a balance of {$1000.00}. Therefore, I am requesting that XXXX XXXX provide proof of assignment or transfer of the debt, as well as valid documentation verifying their legal right to collect on this account. Without such documentation, this reporting violates FCRA 15 U.S.C. 1681s-2 ( b ), which requires that only accurate and verifiable information be furnished by collection agencies. Furthermore, I dispute the remarks stating " Consumer disputes after resolution ; Collection account, '' as I do not agree with the prior resolution. These remarks are misleading and should be removed under FCRA 15 U.S.C. 1681s-2. 
I request a thorough re-investigation of all account details, including the balance, original creditor information, collection status, and remarks. Please provide written confirmation of the results of your investigation, along with proof of assignment or transfer of the debt from XXXX XXXX or XXXX XXXX XXXX XXXX  to XXXX XXXX. If the debt can not be verified, the XXXX XXXX account should be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and fraudulent accounts and inquiries have been added to my credit report. As such, I am requesting that all fraudulent accounts and inquiries listed below be blocked and deleted from my credit report in compliance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I recently had a fraud detected on my account. I spoke with them the rep lied to me and told it would take 2-3 business days. They decided it would be best to send the new card by standard mail in 10 DAYS instead. It is still in the mail somewhere and I can not access any of my money. They refused to send me a new card overnight, and refused me any help whatsoever. I offered to pay for overnight myself and they refused that as well. Asked if I would like to leave feedback or take a survey. Unless that gets my card here tomorrow. No thanks. They assured me I'll access my money by XX/XX/year>.
Product: Student loan

In or about XX/XX/23 and XX/XX/23, I submitted documents into my Mohella student loan account requesting a pause in student debt repayment because I have XXXX students enrolled XXXX XXXX XXXX XXXX. Both requests have not been responded to. I have called numerous times but there is always an hours long wait. I have also sent two secure messages through my Mohella account to the provider that have been ignored.
Product: Debt collection

I CONSUMER XXXX XXXX MADE A PAYMENT TO IC SYSTEMS ON XX/XX/XXXX. WHILE SPEAKING THE REPRESENTATIVE, I WAS TOLD THIS COLLECTION WOULD BE REMOVED FROM MY CREDIT AND NOT STATE PAID BUT REMAIN ON MY CREDIT. THIS ACCOUNT STILL REMAINS ON MY CREDIT 1 YEAR LATER. THE REP STATED THAT THE CALL WAS BEING RECORDED TO QUALITY INSURANCE AND I WOULD LIKE THIS CALL REVIEWED OR THIS ACCOUNT DELETED ASAP. DUE TO AGENCY LYING ABOUT THIS ACCOUNT BEING REMOVED AFTER PAYMENT, THEY HAVE VIOLATED 15 U.S. CODE 1692k ( A ) - CIVIL LIABILITY. DUE TO THIS ACCOUNT REMAINING ON MY CREDIT PROFILES I AM NOT ABLE TO OBTAIN HOUSING AND DUE TO THIS I AM IN THE PROCESS OF SUEING THIS AGENCY FOR ACTUAL DAMAGES. I HAVE REPORTED YOUT COMPANY TO THE XXXX  AND CONSUMERFINANCE.GOV AS A FORM OF RECORD. STOP COLLECTION PROCEEDINGS AGAINST ME AND REMOVE MY INFORMATION FROM YOUR DATABASE SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DE XXXX
Product: Money transfer, virtual currency, or money service

I am writing to express my highly concern with Zelle. Disputes are not handled properly. I use it everyday for my international businesses. Ive tried reporting discrepancies, Zelle refuse to put in a claim & review. They basically told me its no way for them to track payments so its nothing I could do but loose all profits via Zelle. They do not care about their loyal customers. I have reported scams numerous of times which I have been a victim of Zelle scams twice now.
Product: Mortgage

I was in a forbearance from XX/XX/XXXX thru XX/XX/XXXX due to XXXX and a XXXX  XXXX I have which prevented me from working in my XXXX job. 

I filed a loss mitigation packet late XX/XX/XXXX and received a response dated XX/XX/XXXX that there were no options available for repayment of the past 12 months payments other than a deed in lieu of foreclosure. 

I refiled a loss mitigation packet on XX/XX/XXXX. Today, I received a certified mail " Demand Letter '' stating I could reinstate the loan with a FULL payment of {$13000.00} due by XX/XX/XXXX. No partial payments will be accepted so at this point I can't even make a XXXX or XXXX monthly payment! 

This Co is clearly " FORECLOSURE HAPPY '' and offers no options for repayment now that I am in the process of returning to my XXXX job after being away for a full year! 

Less than 2 months out of forbearance, no options available and we're potentially already heading to a possible foreclosure???? 

SHAME ON THIS CO!
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Experian are reporting unverifiable accounts on my consumer reports and I demand that they are deleted.
Product: Credit card or prepaid card

On XX/XX/XXXX, my social security benefits were deposited to my pre-paid account while I was at work. A few hours later, I received text messages from XXXX indicating four ATM transactions had been made on my card. I called XXXX right away to let them know that while I was working I had received text messages indicating I made ATM withdrawals. I let them know I had used my card that morning to purchase a salad and the card was in my posession. I filed a fraud complaint and I was informed this morning that my claim was denied because they said I told them the charges were made on an unactivated card and that is why my claim was denied. I had the card since XXXX of XXXX and have used it up until XX/XX/XXXX. My claim did not state my card was not activated and I went over my previous charges with the customer service rep on the phone to confirm they were accurate. I am not sure how that came with a determination that made because that was inaccurate. The charges in question are as follows : XX/XX/XXXX {$2.00}, XX/XX/XXXX {$140.00}, XX/XX/XXXX {$2.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$2.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$2.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$0.00}