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

In accordance with the Fair Credit Reporting act the list of accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account : XXXX XXXXDept of Ed Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account : XXXX 15 U.S.C. 1681 Section 602A States I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 ; it also states a consumer reporting agency can not furnish account information without my written instructions 15 U.S.C. 1681c. ( A ) ( 5 ) states no reporting consumer agency may make any consumer report containing any of the following items of information : any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Vehicle loan or lease

I would like to formally recommend a thorough review of the practices of Santander Consumer USA for auto loan fraud. They have failed to apply payments according to the law on a fully amortized term auto loan. They have charged excessive fees to make payments. They have committed countless FDCPA violations by failing to send debt validation notices. They have innaccurately reported my balance to the credit bureau for 7 years. 

I have a fully amortized auto loan that originated with them in 2013 and over the term of the loan there are XXXX instances where they did not apply any of my payment to principal at all and countless other months they only applied very little. I pulled a simple amortization schedule with my loan terms and for the entirety of my loan contract of 6 years not a single payment was applied according to my contract. 
This has caused them to report incorrect balance owed of {$9000.00} plus after making all of my amortized payments. In addition, they repossesed my vehicle causing damage to the interior door locks and windows which now don't work causing thousands in damages to my car. After reporting it they have done nothing to rectify the damage or the invalid application of my payments. In addition XXXX FDCPA violations where they have failed to provide me debt validations notices required by law. They have lost XXXX of the largest class action lawsuits in history XXXX brought on by XXXX states and are still are violating the law now because no one is holding them accountable or auditing them.
Product: Credit reporting or other personal consumer reports

I discovered inaccurate accounts on my credit report this morning, and Im completely baffled about how they got there. When I checked my credit report, as I routinely do, I was shocked to find these discrepancies. I even tried refreshing my browser, thinking it might just be a technical glitch, but nothing changed. The inaccuracies remained, and now Im left feeling helpless. Im pleading for the documents Ive submitted to be reviewed carefully so I can finally put this nightmare behind me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I requested my free Annual Credit report from Equifax via the Phone at XXXX where my request was accepted, specifying that the request would be processed within 15 Days. I submitted that request using my Home Phone Number from my Home both of which have been the same for the last 16 years. As of XX/XX/2019, I received no response from Equifax. Therefore, I submitted my request online at XXXX where, after answering questions regarding credit activity that never took place, Equifax informed me that my credit report was not available online and I would have to send additional documents to them physically to obtain my credit report. There was no indication why I could not view my Free Annual Credit Report which they are required to provide by law. 
I need that Credit Report so that I can review it for any potential problems. Please advise. 

Regards.
Product: Credit reporting or other personal consumer reports

XXXX  Opened XX/XX/2024 Open Balance {$130.00}. I have no knowledge of this account! I have no contract with this company. This had affected my credit score.
Product: Debt collection

This company is reporting false information to the credit bureaus. I do not own this company any money because I never did business with this company. I have contacted this company multiple times and yet they can not provide me with proof of me owning them anything. Yet I do not owe this company anything they are continuing to report to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my mortgage with XXXX XXXX on XX/XX/2019, their system had issues and when I finally got to pay it was after XXXX. I noticed a couple of days later that a credit monitoring report said I have a payment 30 days late on my mortgage. I called XXXX and was told that it was a mistake and would get corrected by a letter getting sent to the credit beaura. When I called to follow up weeks later I was told because I made the payment on XX/XX/2019 after XXXX it's like I paid in the XXXX. I think this us unfair because 1 the rep told me that it would be corrected, 2 I never knew about if a payment was made after XXXX it was for the next day, and 3 i actually paid on the XXXX which actually is a day before the XXXX. But they will not remove the negative report.
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/2023 to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than XXXX business days. Ive already included this in my previous complaint & I am including it again. The following items are listed below : XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX : {$480.00}
Product: Bank account or service

Check was issued to payee, money was deducted from checking acct, however payee never received moneys and check was never endorsed by payee. Transaction happened XXXX, XXXX XXXX XXXX XXXX Signature Bank, XXXX. XXXX, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

all ftc violations sent previously company attached : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all accounts XXXX XXXX XXXX  The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in 1970 to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies.
Product: Money transfer, virtual currency, or money service

My XXXX account was hacked so i called XXXX XXXX about XXXX i XXXX  XXXX  customer service and called the number listed ( sent picture of what i called on XXXX ) .the so call XXXX tech said he could help me . He asked me to download XXXXXXXX XXXX XXXX  so he could help me on the phone.he said someone was trying to buy off XXXX using my XXXX XXXX and he said he could secure it.so he had me go to XXXX XXXX and asked if my wife had XXXX XXXX  i said yes.he said to put these numbers in XXXX and transfer from hers to mine, this was about XXXX XXXX and he said it looks good. Now put in XXXX and transfer from hers to mine again and it worked. So he told me to take my bank card out and put these numbers in..i forget but the last 4 waXXXX XXXXof card from XXXX XXXXXXXX XXXX He tried but it sent alert to wells fargo about high daily withdrawal limit so he had me change it, which i had no ideawhat was going on.i got text from wells fargo and he said to text y, actually i was accepting to change daily limits.so he said to put {$7300.00} and hit instant transfer which he would pay the {$52.00} for the instant transfer.he said that looks secure, then said to put in {$3000.00} and did instant again and he said dont worry Ill transfer your money back.then he said for my wife to put in {$2900.00} and transfer to my XXXX XXXX then to put this number in under card # ( dont remember any of the # s ), he said it worked.so now he took about $ 13000.in between he transferred {$990.00} and {$1900.00} but failed thats when he changed credit limits, also other amounts that failed.i guess to make it look good. I included pictures of transfers.so then he said he was going to refund me {$15000.00} for fees and everything but he was having trouble doing it he said.he said hell call me back tomorrow XXXXat this time i figured i got scammed. He told me to write down these phone numbers and save in my contacts under his name XXXX XXXX the numbers are ( XXXX ) XXXX and ( XXXX ) XXXX and so call ID # XXXX. I included these screenshots.he did call back next day and said to download XXXX again to help me on my phone and i said no.just XXXX XXXX my money back he said he couldnt without downloading XXXX.so i hung up and called wells fargo fraud and filed claim.. the {$10000.00} claim number is XXXX that goes to large claims department and claim for $ {$2900.00} # is XXXX. They denied the {$10000.00} claim and still supposely working on other.then i cancelled my debit cards and got new ones.i reported to XXXX XXXX but they denied my claim also.i filed police report the # is XXXX from XXXX XXXX XXXX filed FTC complant ( complaint # XXXX ) .. i reported it to FBI on their website.the police and bank said if they contact you again to not to respond they trying to get more money.the next day XXXX he texted again but i didnt reply. I included the text messages.i call wells fargo to reconsider the {$10000.00} claimbut they said they cant. So i asked if i can appeal but they said theres no way to appeal.i sent them the info but theres no way to tell if they received it or not for their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint on XX/XX/XXXX I have 3 fraud inquiries that I have disputed several times and they have not removed. Not only have I disputed them but XXXX XXXX XXXX contacted them twice to let them know to remove the inquiry dated on XX/XX/XXXX due to fraud and they still haven't removed it. I advised them that the XXXX XXXX inquiry from XX/XX/XXXX is fraudelent and the XX/XX/XXXX from XX/XX/XXXX is fraudelent and they haven't removed any of them. I also sent in a letter from XXXX stating that it was fraud, they have done nothing. I also have a collection account that I paid to delete for XXXX XXXX XX/XX/XXXXand sent in Proof of Payment and the information stated the account would be deleted and this hasn't been removed either. It like they simply ignore any valid information and leave the delinquent information on your credit report even though they know its not supposed to be there. It is simply against the regulations.
Product: Credit card or prepaid card

To Whom It May Concern, I purchased an airline ticket with XXXX on XX/XX/2020 using my Chase Visa credit card. I did this because I believed ( apparently incorrectly ) that there are consumer protections when using a credit card. 

The day before the flight was scheduled to depart, XXXX cancelled the flight. They also cancelled every flight for the month of XXXX, XXXX, and I still think into the future. I disputed the charge with Chase, because I wanted my money back. After many follow-ups with Chase ( months, now, actually ), including my providing them with evidence of the flight cancellation, the contract that XXXX posted on its website showing if they cancelled a flight I was entitled to a refund, Chase finally called me today ( XX/XX/2020 ). I spoke with a supervisor named " XXXX '' who told me that they considered that the merchant had provided me with the services I paid for, by giving me a voucher. I explained : 1 ). I knew nothing about the voucher, and didn't want it. I needed to fly on a particular day, was ready to fly, and that the airline chose to cancel the flight ; 2 ). I did not pay for a " voucher '' -- I paid for a ticket, to carry me from one location to another ; 3 ). There were no other flights for that same week, month, or the months going forward ; 4 ). The airline has now filed for bankruptcy in US Court. The Chase representative then informed me that Chase determined the voucher was the equivalent service that I had paid for ( I'm not sure how, since none of us may ever  travel again, everything 's been closed for months, may still be, and I may not have the need to fly between those specific cities again [ and the airline may not even exist in the future ] ). I then engaged in a back and forth with the Chase representative -- if I order oranges and get apples, Chase can then say I received what I paid for? The Chase Representative asked me where it said in the cardmember agreement ( which I requested and read ) that I was entitled to a refund. I said, I guess we live in a different time where you can pay for things and not get what you paid for. I then asked the Chase representative, " Where does it say in the card member agreement that you can decide to change what I contracted/paid for, in other words a ticket between specific locations and that a voucher for a time, place, future that may never exists, is your right? '' His response : If we put in all the terms and conditions in the member agreement it would be 1,000 pages long. I said, then that is what I expect. Otherwise I have no idea what to expect, anticipate, or comply with. I said, at the end of the day, all I want is my money back ( {$200.00} ). He said, Chase had made its determination that I got what I paid for. End of story. 

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

I applied for a PayPal credit account on XX/XX/2017 and was approved for a credit line of {$400.00}. Shortly after, and without notice, my credit line was rescinded by the creditor, PayPal Credit ( DBA XXXX XXXX XXXX ). However, they still allowed me to pay back the amount used ti purchase the air fare, which was {$270.00}. I have paid the balance in full but noticed this account has not been reported to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion will not remove closed or paid accounts by lenders that are paid off.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to TransUnion requesting an investigation into inaccurate items on my credit report. In my dispute letter, I explicitly requested that TransUnion provide specific information on how they verified the accuracy of the disputed items, including : The date they contacted the creditor/furnisher. 
Contact information for the creditor/furnisher. 
Name of the person who verified the item. 
Method of communication used to verify the information ( phone, email, mail ). 
Whether the creditor provided my SSN, address, and date of birth. 
To facilitate this process, I included a copy of my photo ID, social security card, and a recent bill with my current address to help TransUnion verify my identity and address. 

However, TransUnion refused to conduct the investigation. 

I received a response back from TransUnion dated XX/XX/year> stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

Additionally, the bureau is required to provide the consumer with the results of the investigation, including specific details on the verification process if requested. 

TransUnions refusal to conduct the investigation and provide the requested verification details is a violation of the FCRA. As a consumer, I have the right to accurate information in my credit report and to receive a thorough investigation into any disputed items.

I am including a copy of my dispute letter sent to TransUnion, along with TransUnions response as proof.
Product: Credit card or prepaid card

This is about the Chase company. I have two credit cards with Chase. Both of them, I have a cash advance. I want to clarify if theres an exception on Credit card act of 2009 that with the highest interest the payment should go first with the highest interest that is to my cash advance. Both of my cash advances Balance Subject to Interest Rate. is increasing the amount. One of the card {$180.00} last XX/XX/2019 statement now {$190.00}. The other card {$270.00} XX/XX/2019 statement now up to XXXX which is subject to variable higher interest than regular purchase. Per chase customer service, they can not manually control it since Im just paying minimum.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian about the following incorrect information on my credit report. To this date they have not responded. 

I am disputing the accuracy of the XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5100.00} ) account that you are reporting on my credit report. The reported balance of {$5100.00} is not accurate, and I remember the amount to be lower. I request that you delete the information regarding the Past Due amount, which should not be reported because this account is closed and charged-off. As my credit score is impacted by the information on my credit report, I request that you mark this account as disputed so that it will not negatively impact my credit score.
Product: Credit reporting or other personal consumer reports

Revolving account missing from credit report on transunon and XXXX,, Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner - Account Type REVOLVING Creditor Classification - Loan Type FLEXIBLE_CREDIT_CARD Original Creditor Name - Months Reviewed XXXX Activity Designator - Terms Frequency MONTHLY Term Duration - Purchased From - Sold To - Balance and Amounts Balance {$1100.00} Credit Limit {$15000.00} High Credit {$2100.00} Available Credit {$13000.00} Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date of First Delinquency - Comments and Contact For questions regarding this account please contact : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Product: Debt collection

DISCOVER BANK
XXXX  Dispute
Account Information
Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Phone XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I was not able to speak with a real live agent while addressing a dispute on the account.
Product: Debt collection

I returned a leased XXXX vehicle in XX/XX/XXXX to the dealer and they closed the account with a XXXX  balance. They then reopened the account a month later and claimed the balance was $ 3800+ for  damage that they claimed I left from the lease that the dealer did not see. The damage was a few small scratches that we did not make. They threatened to damage my credit report which they have done if I did not pay. I requested that they take me to court over the matter and they refuse. 


account Number XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX