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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened fraudulently I have reached out directly to XXXX and was told on XX/XX/XXXX XXXX they responded back to credit bureaus to stop reporting this account but it is still negatively reporting on my report which is preventing me from being approved for different services.
Product: Vehicle loan or lease

My account number with Chrysler Capital is XXXX. I got this loan in XXXX and had a 7 year loan and still have not paid this car off. My loan had an additional year of payments which they said was due to fees and deferments. I was out of deferments years ago but still have a non principal balance due. They said I was 40 days late and delinquent by {$3.00} which was likely reported on credit. I paid the {$3.00} and have over {$1100.00} due according to XXXX statements and {$1800.00} due when I request a balance online. The original car costs was {$36000.00} and I pay {$650.00} each month. It has been almost 10 years. I think they owe me money at this point.
Product: Credit reporting or other personal consumer reports

I am writing to express my utmost dissatisfaction and frustration regarding the ongoing attempts to remove fraudulent items. As a concerned stakeholder, I believe it is imperative to address this matter promptly and transparently to ensure the integrity and fairness of the process. 

Despite multiple attempts to address these concerns in previous rounds, it is disheartening to witness the persistence of fraudulent activities, which not only undermine the credibility of the process but also jeopardize the trust and confidence of all stakeholders involved. 

Therefore, I urge you to take immediate and decisive action to rectify this situation. It is essential to implement robust measures to identify and eliminate fraudulent items effectively, thereby upholding the principles of fairness and integrity. 

Furthermore, I request regular updates and transparent communication regarding the steps taken to address these concerns. With this, I am asking for your assistance to remove othese fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX # XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of 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 to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

CAPITAL ONE 360, Account # : XXXX Open Date : XX/XX/2022. Account closed and reported under my name on Early Warning Systems. This account has been opened under my name without my authorization or permission. I have reached out o the bank and nothing was resolved. I have pure rights and am entitled for my name to be secured without being tampered with. I have no knowledge of this account. Attached is the FTC Report, Police Report,
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

XXXX - XXXX - {$3700.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute of Credit Reporting Civil Liability for Negligence under FCRA Section 1681O Dear XXXX I am writing to formally dispute the information reported in my credit file with your agency, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681O, which provides for civil liability for negligence. 

Upon reviewing my credit report, I have identified Transworld system inc. for the inaccuracy of reporting on my credit report. I believe that this information was reported negligently and does not accurately reflect my credit history, which has caused harm to my credit score and reputation. 

Under Section 1681O, I am entitled to seek damages for negligence in the reporting of information that is either inaccurate or incomplete. The information reported by your agency fails to meet the reasonable standard required under the FCRA, and as such, I am holding your agency accountable for this oversight. 

Please conduct a thorough investigation into this matter and correct or remove the inaccurate information from my credit file at your earliest convenience. I expect a prompt resolution, as the negligence in this reporting has caused significant damage to my financial standing. 

I request that you provide me with written confirmation of the actions taken to resolve this dispute and any updates to my credit report within the time frame required by the FCRA. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

I cant belive the govern ment require you to use direct depost so whenn usa miss used my funds and the complint file i thought it would do do something after the vets was during as instructed to do the credit union chargring you twrice for the same bill pay items i know i am not the only one with issue usaa action is costing me my home how in the would can you have reversed payments with the assessing a return check fee i was never notice fieed field usaa took out two times for the same item and increase the cost of the item I never got notice of returned check s instead usaa kept the funds in a pending account and never no notification of such why we meet goverment requirement we got no help and know now i was not the only one they got no help either i am about to lose my home behind this bs you are not seeing twice you are being charged two times usaa used my funds to meet their responsability and cover up wrong during Their security is so good but others got in my bill pay added names of a mortgage another mortgage company whom was paid monthly
Product: Debt collection

SANTANDER CONSUMER USA is attempting to collect a debt that I have previously tried to settle upon proof of claim.On XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX, SANTANDER CONSUMER USA received a Debt Settlement Offer each time giving 10 days to provide documents that prove I owe a debt.On XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX SANTANDER CONSUMER USA received a Request For Admission & Affadavit Of Fact each time giving 10 days to rebut and respond. On XX/XX/XXXX SANTANDER CONSUMER USA received a Notice of Default and Estoppel followed by an Affadavit of Default and Estoppel received XX/XX/XXXX. SANTANDER CONSUMER USA has yet to respond to the forementioned to provide proof of claim and has defaulted but continues to pursue collection activities via Credit reporting agencies, phone calls, and sending a payment request to my home address and not to my XXXX XXXX as requested and I marked " return to sender '' due to no proof of claim. It was received by SANTANDER on XX/XX/XXXX. SANTANDER CONSUMER USA continues to harass me and is causing my family and myself stress as I am unable to purchase a home due to this alleged account on my credit report. I have never spoken with anyone at this company nor have I entered into any contract ( s ) with this company and they refused to provide any wet ink signature, original document ( s ), two party contract, rebuttal of affidavit, or any of the items requested which will be attached documents included in this complaint as well as proof my mail was received by SANTANDER CONSUMER USA. I have given SANTANDER CONSUMER USA six ( 6 ) opportunities to provide proof of claim and after 9 mailings have dishonored and defaulted in this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 a XXXX  money wire in the amount of {$700.00} was sent to a unidentified individual. Account was hacked and money was transfered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a paying member of Trans Union Credit. I have access to all 3 credit reporting agencies. I have in the last 90 days filed disputes per their process. I had an installment loan with XXXX loan # XXXX which I paid off two months ago. Trans Union 's credit report shows the balance of {$16000.00} is now XXXX. However, When I check all three agencies reports it still shows a balance due of {$16000.00}. When I tried to file a new dispute and went through the online process I get a messages back " We are sorry, but we are unable to to full fill your request your request at time '' Then a message, " what to do Now ''. 
I paged through this information and finally found a phone number to call customer service, I was placed ON HOLD for 1 hour and 15 minutes and when answered it was a lady in XXXX. She told me that the XXXX account showed XXXX  on balance. So I walked her through going to all 3 agencies reports and that there it shows the account is still open and the NOT paid off which is wrong. She acknowledged that she agreed with this. However, that the dispute and technical depts. were having difficulties and she could not do anything about it. I ask her, I have been working on this for 2 weeks and are no closer to getting someone to resolve it. She said she could file the dispute manually and I would get a confirmation email that this was done. She verified my account and email with Trans Union. To date I NEVER received the confirmation. For me this is very frustrating and I consider it Harassment and nobody at Trans Union cares because they do not have to take care of this our satisfy my disputes and to think I paid them {$29.00} for the privilege of getting screwed. I thought the U.S. Government had taken action to prevent these credit reporting agencies from hassling, delaying and not servicing the American Public ... .my experiences are nothing has changed, HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA provided to FCPB incorrect and inconsistance inormation. on their letter they sent it to you the monthy payment was {$390.00} as on the sale contract too. but on my XXXX report the monthey payment is {$390.00}. 
Also the terms on the letter & on the contract are 60 months but on my experian report 62 months. 
The address on the sale contract was incorrect. That wasn't my previous address which was XXXX XXXX XXXX XXXX NY XXXX.
Product: Money transfer, virtual currency, or money service

I have contacted GDAX and COINBASE multiple times over the last 6-8 weeks and I have gotten nothing done.Even after contacting the CFPB. nothing has changed, My assets are still locked in the GDAX account and I am not able to access them or have yet to receive any explanation why my assets have been frozen and are unaccessable. I want to know why I am not getting any response and why my account is still locked. I got 2 emails saying they are working on it but nothing has been done in over a month. Can someone tell me whats going on. this company will not tell me what I did wrong or what the next step is. I'm getting completely ignored by them.I want to be able to trade again and I would like my account opened and accessable to the money I put in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed items that do not belong to me. I submitted a police report and FTC report. These accounts have not been verified as belonging to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

American Express has caused an adverse effect their error led to a poor reflection of my credit history. How can they claim that its an internal system error, and choose not to inform the consumer? They claimed there was a letter was in the mail on XX/XX/2019 with an explanation ; the letter arrived today, XX/XX/2019, and is dated XX/XX/2019, after my initial complaint. Various attempts to get an answer were disregarded. XXXX ( # XXXX ) contacted the back office who outright refused to discuss this issue with me. This egregious behavior is outlined in the Dodd-Frank act : UDAAP. 

American Express increased my available credit, notified via email, then decreased it in the same month WITHOUT any notification. They're intentionally being unclear as to why they screwed up my account and impacted my credit score.
Product: Credit reporting, credit repair services, 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and 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
Product: Money transfers

After almost 3 years of sending money to my in-laws through western union I am now being denied access to the service without explanation. Since XXXX Western Union will not allow me to send money any longer. I have contacted them several times and they say they are not allowed to tell me why my account has been closed, why my receipt history been deleted, or why I am no longer allowed to send money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against XXXX XXXXXXXX To Whom It May Concern : I am writing to file a formal complaint against XXXX  XXXX regarding their failure to remove debts included in my federal bankruptcy from my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) ( 1 ), and the automatic stay provisions under Section 362 ( a ) of the United States Bankruptcy Code, debts discharged in bankruptcy should no longer be reported as active debts. Furthermore, any attempts to report or collect these debts are prohibited immediately upon filing for bankruptcy. 

Despite my previous attempts to resolve this issue directly with XXXX XXXX, the incorrect reporting of these debts remains on my credit report. This debt is still being reported to all three credit reporting agencies, and most notably, Experian has continued to show the balance, late payments, and the debt to date. 

I request the CFPB 's assistance in resolving this matter promptly. XXXX XXXX must comply with federal law by updating my credit report to accurately reflect the discharge of these debts in bankruptcy. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX of Birth : XXXX  Last four of social : XXXX
Product: Credit card

I set up a payment with XXXX checking billpay, which uses XXXX to complete the transactions to my Target redcard cc ( in store only ). Target is using confusing and unfair billing practices when it has 2 different rules for accepting payments from XXXX. To allow XXXX have low a amount go through 1 channel of ACH, and " large amounts '' to follow another channel of mailing a physical check. when a person submits a payment to billpay it typically does not give a different scenario based on the amount your are paying the company. It is unreasonable to ask a consumer to figure this out by randomly paying different amounts, or chancing on the knowledge. I do not believe XXXX business days is enough time for a physical check to arrive and be processed, this was out of my control and specifically set up by XXXX 's client TD bank as was explained to me by the XXXX XXXX XXXXTarget is benefiting from this practice as a larger amount will result in higher interest fees and a XXXX late charge. in addition, Target was unable to communicate clearly what was happening. I was told there would be an investigation, but not about how long the fees would be paused. I called back and the phone gives you a balance, saying I owed the late charges + interest, but then conflicted and said I have nothing due, so when I asked the rep. they were unable to tell me if the fees were waiver or only temporarily waiver while under investigation. later I received 2 letters in the mail. 1 stated I would have my late charge of XXXX credited and interest owed. Payment found to be credited from bank on XXXX talked about alternative methods of payments and the importance of paying my bills on time. Found : XXXX XXXX  billpay Mailed a physical check on XX/XX/XXXX  via XXXX decisioning logic, there was no record of payment through many attempts of calling XXXX + Target. delivery was supposed to happen XX/XX/XXXX  for a XXXXXXXX  due date. it is unclear what really happened and if my past late fees had a similar issue with this logic?
Product: Credit reporting or other personal consumer reports

Wells Fargo failed to update inaccurate reporting within 30 days and did not provide proof of what they claimed was their correction XXXX XXXX claimed she did not review my reporting yet she is providing updates. She failed to correct inaccurate Account Status XXXX and XXXX show Paid and XXXX shows derogatory YET XXXX payment history shows no late payments nor charge offs. All payments show as OK since XX/XX/2019. I have attached copies of my cresit report. Delete this report immediately as it has violated my Fair Credit Report Act rights and you have failed to investigate for accuracy.
Product: Credit reporting or other personal consumer reports

I just checked my credit report as I usually do, only to find an unauthorized inquiry that I dont recognize. I dont understand how this happened, and its incredibly upsetting. At first, I thought it might be a system error and tried refreshing my browser, but the issue persisted. This is unacceptable, and I need it resolved right away. Please go through my submitted documents thoroughly to ensure this never happens again.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITYT THEFT. I HAVE BEEN A VICTIM OF SEVERAL DATA BREACHES WHERE MY INFORMATION WAS COMPROMISED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to buy a home and these things are reporting on my credit and I have had identity theft done to me already. And these things are hindering my progress and are certainly a defamation of my character. They need to removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.