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

To whom it may concern, I contacted the U.S. Bankruptcy Court via telephone to inquire about their method of verification regarding information provided to credit reporting agencies. During the call, the court confirmed that they do not verify or communicate any information with credit furnishers or reporting agencies. On the same day, I also sent a letter to the court to document this inquiry. 

The inclusion of bankruptcy-related information on my credit report violates Rule XXXX  of the Federal Rules of Bankruptcy Procedure, 15 U.S.C. 1681 under the Fair Credit Reporting Act ( FCRA ), and 15 U.S.C. 6802 under the Gramm-Leach-Bliley Act. These laws and regulations collectively require the protection of personal information, the accuracy of credit reporting, and proper handling of consumer data. The reporting agencies have failed to conduct a thorough and reasonable investigation, as required by the FCRA, to ensure the accuracy of the information reported. 

As the inaccuracies have been identified and can not be verified through proper channels, I am requesting that the inaccurate bankruptcy-related information be deleted from my credit report as a form of correction. Failure to address these violations will leave me no choice but to seek legal relief to enforce my rights under these laws and regulations. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

XXXX XXXX XXXX university is trying to charge me for a Pell grant overpayment of {$210.00} from XXXX which has affected my credit report in a negative manner. It has reported 37 late payments in XXXX. Never getting this information to me before that I needed to pay. I shouldnt have to be held responsible for a grant overpaying that the school sent to me on their error.
Product: Debt collection

I checked my credit report and I had a collections from Transworld System. I got no notice before it was put on my credit score. No written notice or communication. I dont even know what they are collecting debt for.
Product: Bank account or service

PNC is a bank that uses predatory, misleading, and bait-and-switch tactics to trap customers. I was convinced by a PNC bank representative to open up a checking account with them. He told me that I 'd even get a {$400.00} bonus credit if I receive direct deposits onto that account totaling {$5000.00} or more. I direct deposited over {$5000.00} as dictated by the terms. No bonus credit was ever received. 

As if that was n't frustrating enough, the bank will not let me close my account without charging me a series of ridiculous fees. This bank is extremely predatory, lies to its customers, and traps their money. Even leaving my account open, they have found excuses to charge me various " service charges. '' I have, several times, attempted to contact PNC Bank, only for their representatives to hang up on me spontaneously without addressing my problem at all. This bank will absolutely attempt every tactic to frustrate its customers into being complacent with having their money stolen.
Product: Checking or savings account

Hi i'm missing a XXXX $ sign up bonus with my account for having 2 direct deposits of 500 $ or more and 10 debit card purchases from my account in the first 90 days.
Product: Vehicle loan or lease

I got a job with a company that required me to have a car to keep the job, I didn't have perfect credit ( just fair credit ), but I felt that I was taken advantage of because it was during the beginning of the pandemic and I had no one to help me when it came to negotiating the loan. I didn't have a down payment and the company I had the job with would not give me a letter saying that they had just hired me so I was a sheep among wolves. The dealership told me that there was a company that would finance the car and I didn't have to have a down payment so I said okay. I was trying to keep my new job. The dealership drew up the papers and added services onto the contact and then sign my name to it which added on extra fees to my car loan. My car payment is more than I can afford and every month I struggle to make the payment, I have been thinking seriously about bankruptcy. I need my car payment to be what I can afford and the extremely high interest rate to be lower than it is. The finance company said that I would have to make my High car note payment for 1 year than they would consider refinancing my car loan at a lower rate. I got my car XXXX, and it is just too high. I told my sister and my son about my car note payment and how much I have to pay, they both said that " They took advantage of me ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PRONTO FIN XXXX Balance Owed : {$0.00} This is NOT A DISPUTE, but I believe the information being reported to be inaccurate.
Product: Credit card or prepaid card

my car was broken into at the time i was XXXX  and still am.. my ID birth cirtificate social security debt card were stolen including much more. someone used my info at a bank and withdrew my money. XXXX bank of america has been refusing my claim within 10 hours everyday since XXXX XXXX they are making me feel like a criminal and are cause hardships in my life. im XXXX  hungry and cant work. 
unable to pay for medications. my life is ruined at this point all because bank of america ive sent police reports letters and identity theft paper work. and still an instant denial... please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from XXXX, Experian or XXXX  throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.
Product: Debt collection

I have asked Flagship credit acceptance to stop calling me on at least 15 occasions and they continue calling me. I have also requested the text messages to stop and they continued for at least a year. Every time I get a call I ask the to look at their notes and then at that time they apologize and give me an excuse. Their system didnt updated my phone numbers, or that they thought that I just didnt wanted manual calls, or that they didnt saw the notes before calling etc. I know I have a debt with the company but Im Paying it as I can.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXXXXXX {$440.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX {$5200.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

From XX/XX/2024 to present I have sent various letter to XXXX, XXXX, and Experian regarding numerous inquires on my credit profile that do not belong to me. I was a victim of identity theft and for that reason I have a fraud alert placed on my credit report with each bureau instructing any creditor wishing to access my credit profile to verify my identity through contacting me at the listed phone number and obtaining identification. XXXX, XXXX, and Experian failed to comply with my wish to protect my credit information and even more so did not complete a thorough investigation of my disputes when presented to them sending out correspondence stating that the inquires would remain for 2 years. 

In accordance with the Fair Credit Reporting act. The list of inquries below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. .15 U.S.C 1681 section 602 A. 

XXXX, XXXX, and Experian have not complied and I am requesting action or demanded compensation.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unauthorized Credit Inquiry Violation of FCRA ( 15 USC 1681b ( c ) ) To Whom It May Concern, I am filing this complaint to dispute an unauthorized credit inquiry associated with this company. The inquiry in question was made on XX/XX/year> by XXXX XXXX. 

U

pon review, I believe this inquiry was conducted without my explicit authorization or in compliance with the permissible purpose guidelines outlined in Section 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ). The FCRA explicitly defines the permissible purposes for obtaining
consumer reports. To the best of my knowledge : I did not provide explicit consent for this inquiry.

I do not recall initiating a transaction or establishing a relationship with this company that would justify such a request.
Product: Debt collection

Santander Consumer USA received my car loan ( I did not choose them ). No payments missed. Made a final pay off. Received PAID IN FULL receipt as well as the RELEASE OF XXXX. Filed for new title with local courts. Received new title. Own vehicle outright. 

Santander is claiming I owe them more money. Santander sent me receipts PAID IN FULL. 

Santander is XXXX me and now XXXX XXXX of the vehicle. 

They claim the amount owed is {$520.00} They have an error in their system ( otherwise why sign off and send a paid in full receipt ) and are not claiming I owe. Even if I pay, what is to prevent them from saying the same thing again? I already have a receipt. Nothing prevents them from this claim. I advised them to have their legal team contact me and they did not. 

Phone conversations have been recorded per XXXX law.
Product: Credit card or prepaid card

Had 2 accounts with US Bank. Both earned XXXX rewards. Prior to closing 1 account, checked rewards balance. The XXXX rewards were shared between both accounts. Both accounts showed the exact same amount - XXXX. So that all rewards would be intact if closed 1 account.
XX/XX/XXXX Closed 1 account. No mention was made about existing rewards becoming null and void.
XX/XX/XXXX - tried to redeem rewards in XXXX  account. Now rewards are split between closed account and open account. Closed XXXX Gold account shows balance of XXXX points. Not able to redeem or transfer.
They separated out rewards earned from closed card instead of leaving them in a combined account. Called US Bank to ask if these points could be transferred to my existing - still open account. Was told no and that I was advised they would be XXXX out on closing card.
Had conversation on closing card ( XX/XX/XXXX ) on speaker phone with wife listening in. No mention was made of the XXXX points being nulled. I certainly would have transferred them or redeemed them first. As this is worth {$320.00}.
Product: Credit reporting or other personal consumer reports

I noticed late payments on my XXXX credit report from Affirm in XXXX XXXX.IThen found out that my girlfriend without my permission open up a loan with Affirm in my name in XXXX of XXXX  for a XXXX purchase she used my credit card information.I contacted XXXX And Affirm about this matter to no avail.I also have proof that the purchase in question is not in my XXXX history its in her XXXX history also have proof she was making payments to affirm from her own banking account XXXX XXXX XXXX15 USC 1681e_Compliance Procedures ( a ) IDENTITY AND PURPOSES OF CREDIT USERS Every Consumer Reporting agency shall make a reasonable effort to verify the identity of a new prospective user prior to furnishing a credit report. 15 USC 1681e Compliance Procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to asuure maximum posiible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Validate Account XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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

In accordance with Fair Credit Reporting Act, the following companies have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late payment for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  changes its name to XXXX XXXX  put it on my credit report after 7 years like I just opened an account last month. Now I have them as a new account for another 7 years. Totallying 14 yrs. I dont think Experian is reporting fairly removing old accounts from 7 to 10 years. I dont think this is fair reporting.
Product: Debt collection

XX/XX/2023 To Whom It May Concern : I am writing to dispute the following inaccurate information that appears on my credit report. This information is inaccurate and should be deleted. The errors which prompted this credit report dispute include A credit report was made from FEB DESTINY AND CB INDIGO these were not me and its showing that the cards are 200 % over the limit. I dont use credit but so I dont check but I contacted them through XXXX and XXXX has helped. I was to to contact you guys. 

FEB DESTINY and CB Indigo were done fraudulently and I should not be responsible for the debts that are on both of these cards. Ive tried contacting them both and it seems as if they are the same company as well.
Product: Credit reporting or other personal consumer reports

Two things with TransUnion : 1 ) TransUnion fraudulently has an upload documents button on their site that fails to allow consumers to submit supporting documents. TransUnion also allows companies to upload damaging documents on consumers ' reports without the company OR TransUnion following FDCPA, violating consumer rights. 
2 ) After LXXXX [ they are the same company ]. They failed to validate a debt, however, XXXX and XXXX removed the collection from my credit report after the company failed to validate. TransUnion initially removed the debt but then allowed XXXX to resubmit the debt under XXXX. XXXX failed to validate the debt and the fact they rebranded as XXXX, the failure to validate the debt within 30 timelines is still valid [ the original validation letter sent to the company is attached ]. 

This is a violation of my rights as a consumer and I want TransUnion to immediately remove this debt AGAIN, and not allow it on my report again. If TransUnion does not comply, I will be filing a complaint up the chain.
Product: Mortgage

We have a Wells Fargo mortgage with PMI. We were told it could be removed a year ago if we paid for appraisal. Then Covid came and we decided to refi with XXXX XXXX XXXX instead. We failed to get the refi then find that Wells Fargo put us in a fore stance without our consent and our payment appeared as late and told it went to end of loan. All without us asking for any help. Now we requested the appraisal in order to take off PMI and now told we dont qualify and no explanation. We are tired of being screwed by this bank and our credit damaged. They have trapped us into keeping our mortgage with them and we never wanted them as our mortgage company due to the unlawful business they do. We want out! What can we do? Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

JP Morgan chase Account ending in XXXX Was an old account. They got paid due to an agreement. I was told they would remove the account t from my report from all three report agencies. I sent 3 disputes so far and they refuse to take it off. As well as showing paid late for the year we settled when I never was late. Now this is showing up as a new derogatory remark and late payment starting last year. Its not right and effecting my credit report and score to future investments. Please assist.
Product: Debt collection

I am being contacted by Western who represents XXXX XXXX XXXX. They Have placed a complaint against me for a electronic check stating they never received the funds of {$400.00}. They have a Specific IP address, with my Email, bank account ending in a different number and, Address. 
They wont disclose the dates. I can tell you that during that Time I did n't have a Bank account ending in XXXX, my bank account ends in specific numbers that I can prove while I was living at that address. Also that Email they had was never used because I canceled their service after one week due to billing issues. I have no way to pull that account up because I did n't have that long enough to prove it. Being a XXXX veteran I do n't need this harassment, I have seen this Company XXXX XXXX XXXX with numerous complaints for fraud against payday loans stating people took them out when they did n't just to get money from them. They are the ones that stole my information, it is obvious.
Product: Credit reporting or other personal consumer reports

I HAVE ACCOUNTS THAT ARE CHARGEOFFS THAT ARE REPORTING ON MY CREDIT REPORT. THESE CHARGE-OFF DEBTS HAVE BEEN FILED AS TAXABLE INCOME AND CAN NO LONGER REPORT TO MY CREDIT PROFILE. THIS VIOLATES 15 USC 1681 EB
Product: Mortgage

Had a Mortgage with XXXX XXXX  XXXX XXXX XXXX and made my mortgage payment on XX/XX/2022. XXXX XXXX  had transferred the loan to Shellpoint Mortgage however when doing it XXXX XXXX  did not notify Shellpoint Mortgage regarding the XX/XX/2022 that I had made and therefore now Shellpoint mortgage is trying to collect from me the XXXX mortgage payment. Also, not all the accumulated escrow funds were transferred from XXXX XXXX  to Shellpoint mortgage