23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Santander Consumer first repossessed my vehicle after making an verbal agreement of weekly XXXX payments. Following the repossession I didn't receive any information regarding the vehicle such as : proof all of the required notices were properly and timely given, all of the allowable redemption and cure time limits were adhered to, copies of the legal notices, where to repurchase the vehicle, and proof of the commercially reasonable manner of the resale of the subject vehicle. Recently I contacted Santander for the above mentioned information which they again failed to provide to me. Santander is further violating my rights because they are inaccurately reporting different information on each credit report : Date opened, Number of terms, High credit, Date last active, and Date of last payment.
Product: Checking or savings account

I began receiving emails from Chime that referred to a bank account. I ignored them thinking it was typical spam. Then I received a debit card in the mail. I never opened the account with them. Trying to get a hold of someone in their company to block the account has been almost impossible. The options on their phone tree do not have anything for regular fraud. The closest thing was to dispute a charge on the card. I finally spoke to someone and they supposedly created a case and said I would receive an email follow up. That email follow up never came. So I emailed XXXX and received an auto reply that said click this link to live chat. I did that and that personal named " XXXX '' went round and round ultimately telling me I had to call. I told them I had already done that unsuccessfully and was very frustrated and wanted a more direct number or options to push on to get a person. They could not provide me with this information... I called the number and after getting hung up on because I presumably selected the wrong option, I finally was able to get a human named XXXX who took some info from and then proceeded to state that he would forward the information the " specialized '' department that would handle it. I feel like every minute that goes by gives the criminals more time to commit fraud. Supposedly I will receive an answer within 24 hours but they said that last week too.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information appearing on my rental history report. Specifically, my report incorrectly lists an address and eviction associated with XXXX A XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I have never lived at or been associated with this address. Despite multiple attempts to rectify this issue with your agency, the erroneous information remains on my report. These repeated failures to address and correct the inaccuracies constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that credit reporting agencies investigate and resolve disputes within 30 days. Your agencys persistent failure to correct this inaccurate information after numerous disputes represents non-compliance with these statutory obligations and is causing significant harm to me by affecting my ability to secure housing. I demand an immediate investigation and the removal of this incorrect address and eviction from my rental history report.
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am writing to address a critical issue regarding my recent disputes with your bureau. Despite filing 4 rounds of disputes and requesting thorough procedural investigations, inaccuracies remain on my credit report. My previous disputes were reportedly verified, but the following inaccuracies persist. After 4 rounds and asking for reinvestigation reporting this account, your investigations have failed to correct these inaccuracies, indicating that the investigations did not properly address or rectify the issues at hand. The continued presence of incorrect information on my credit report not only violates the Fair Credit Reporting Act but also demonstrates a lack of due diligence and fairness on your part. 
Given these unresolved issues, I demand the following actions that this account is deleted and removed from my credit report immediately! 
The failure to accurately report and correct this information impacts my credit standing and financial stability. I expect prompt and accurate resolution to this matter and will consider further actions if these inaccuracies are not deleted and removed. 
Thank you for your immediate attention to this pressing issue. I look forward to your prompt response and resolution. The credit bureaus have not did their job nor their due diligence. Theyre not being fair and theyre not being accurate in the reporting of my credit report. Heres the following inaccuracy that exists in this reporting and Im DEMANDING a DELETION of this account from my report. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitation You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX Account number : XXXX XXXX. Account is repeating Charge off as if the debt is new and open 2. Reporting different payments date and missing payment dates Sincerely, XXXX XXXX XXXX
Product: Mortgage

Loan modification was to be completed XX/XX/2021. Company put incorrect interest rate. restarted modification. Loan was sold to a new party. Loan modification not completed. Credit report was hit as they moved all my payments to a separate loan for the new loan.
Product: Debt collection

I recieved a letter stating that i owe this debt i called .the people at the agency kept transferring to different departments when i did get a whole of someone im telling them i paid this .they were rude saying i need to pay i told them i have proof. The lady said with a attitude well its not my debt. After i tried and tried to reach out no answer. Im very upset because i settle this through a settlement with XXXX XXXX
Product: Credit card or prepaid card

I have contacted FNBO several times in the past in regards to a dispute on my credit card for services not rendered. I also indicated, if there was any questions and/or clarification to please contact me. On XX/XX/2023, I received a letter from FNBO stating that they sided with the merchant due to the contract that was provided from the merchant. I contacted FNBO customer service at XXXXXXXX XXXX to inform them that the contract provided to them was not signed by me ( fraudulent ) and I was informed by customer representative, XXXX after a lengthy hold that a supervisor is not available. I called back at XXXX and once again requested a supervisor with customer representative XXXX XXXX After a lengthy hold with no supervisor, I disconnected. After working in management in a call center, I find it extremely difficult for no supervisors and/or managers to be available! I see that FNBO has a 1 star on the XXXX website from multiple consumers, now I clearly understand as to why that is!! 

As of XX/XX/2023 my complaint with the BBB has been ignored from FNBO.
Product: Debt collection

XXXX XXXX bill {$2700.00} Jefferson capital has put this on my credit and XXXX XXXX keeps sending me collections letters to collect a debt that is not mine.. I have tried several times for years to dispute this matter and they will not remove it from my credit reports.. this debt is not mine and I never had service with XXXX I have been a XXXX customer for over a decade .. please help me get this resolved and removed from my name the name on the bill is wrong as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I never lived at this address : XXXX XXXX XXXX # XXXX XXXX, FL XXXX I tried to remove the address from my report but the company refused to remove the incorrect information.

15 usc 1681i
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00}
Product: Checking or savings account

Chase Bank Private Client Checking Account # XXXX I reported my private client debit card as lost/stolen on XX/XX/XXXX on the phone with an agent from the claims department. 
There were many transaction on the card that I reported as unauthorized, however, unfortunately, the following XXXX had already been posted onto my account : - Non-Chase ATM Withdraw XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} - Non-Chase ATM Withdraw XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} On XX/XX/XXXX, I received temporary credit for these transactions. 
On XX/XX/XXXX, I received a letter from chase that the transactions were processed according to the information I provided or were authorized, and that the temporary credits will be reversed This is absolutely unacceptable : Since XX/XX/XXXX that I reported the unauthorized activity on my account, I never received a call/letter from JPM Chase Bank XXXX requesting additional information, prior to my claim being denied. To solidify my case, please note that I have also filed the police report # XXXX, XXXX XXXX, XXXX # XXXX. 

According to laws and regulations, for any unauthorized charges made on my debit card, if reported promptly, I must not be held liable. If the bank decides to deny my claim, I must be provided with an explanation that sets forth the reasons for the banks belief that the billing error alleged by me is incorrect, in whole, or in part, and I must also be provided with copies of documentary evidence that was used by the bank in determining my indebtedness. 

Given the police report that has been filed ( under the penalty of perjury ), as well as the prompt reporting of the unauthorized charges on my debit card, I would appreciate it, if JPM Chase Bank could reconsider its decision, re-open my fraud claim, and reimburse me for the fraudulent charges that has occurred on my debit card. 

If JPM Chase Bank still decides to deny my claim, with all the new information that has been provided here, I, hereby, request the bank to provide me with the documentary evidence used in making this conclusion. Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2021 {$6000.00} From XX/XX/2021 I have been receiving payment but till now I didnt receive the debit card.
Product: Credit card

XX/XX/ : I make a reservation using Citi Thank You points for a hotel in XXXX XXXX, CA for XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX  : due to a tropical storm, I call the hotel to cancel the reservation. They confirm I will be fully refunded in 24-48 hours. 

XXXX XX/XX/ : I call Citi and am directed to their Travel Rewards team. They tell me to call back in 5 business days. 

XX/XX/ : I call Citi again and they explain the delay is because the reservation must be canceled manually. They assure me this is done, then send me an email confirming the cancellation will be processed in 7-10 business days. 

XX/XX/ : I call Citi again. They explain the reservation is canceled and I will see my points refunded in 24-48 hours. If not, they say, I should call back. I ask for a supervisor. They tell me a supervisor is not available, but one will call me in two hours. This call never comes. I receive another email confirming the reservation is canceled and a refund is in process. 

XX/XX/XXXX XXXX XXXX  : I call Citi again. They explain that the reservation was not actually canceled before but it has been canceled now. I should check back in 5-7 days. I receive a third email confirming the reservation is canceled. I ask to speak to a supervisor. Im told no supervisor is available now, but they will call me shortly. They call me a day later at XXXX. I miss this call. 

XX/XX/ : I call Citi again and explain the issues Im having and ask to speak to a supervisor. They confirm no refund has been processed yet and agree to connect me to a supervisor. I am put on hold for 25 minutes, then they hang up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is the only credit reporting agency of the "  XXXX   XXXX  '' that simply refuses to provide my credit information ; and my wife 's credit information ; online. Each time we get our credit reports, the other  XXXX  credit reporting agencies quickly and easily provide our information online while Equifax requires us to scan documents, fill out forms, mail envelopes and wait for the mail. This has been happening for many, many years and I think it 's about time someone complained about Equifax 's non-compliance with the SPIRIT of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I checked my personal credit report, which I acquired from XXXX and Equifax organization on XX/XX/2021 and I noticed that this unauthorized inquiry had been made : I am unaware of these inquires from XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX }. I am unaware of these inquires from Equifax ( 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 ) I contacted every creditor who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Dispute of lnaccurate lnformation and Failure to Correct Errors in Violation of the FCRA To Whom lt MaY Concern, I am following up on my dispute letter regarding the inaccurate information on my credit report ' which Experian has improperly verified. Despite providing my government-issued lD and proof of address, Experian has failed to remove the following inaccuracies : - lnquiry from XXXX XXXX XXXX XXXX XXXX XXXX - lncorrect Addresses : - XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX - XXXX XXXX XXXX XXXX ; XXXX, FL XXXX - lncorrect Names : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX. XXXX, the court ruled that credit reporting agencies are required to conduct a reasonable reinvestigation of disputed items ' The reporting agency in that case failed to do so by relying solely on the creditor 's information ' Experian is similarly violating 1.5 U.S.C. 168Li by failing to remove the inaccuracies in my report ' despite having provided evidence of my true identity and address ' Additionally, Pintos v. Pacific Creditors Association ( 605 F 3d 665, gth Cir ' 2010 ) makes it clear that credit inquiries must have a permissible purpose under the FCRA ' The inquiry from XXXX XXXX XXXX was unauthorized and is in violation of 15 U'S'C ' 1681b ' I did not apply for credit from this company or authorize this inquiry. The unauthorized inquiry is a clear violation of the FCRA and must be removed immediately.

Violations of the FCRA Experian is currently violating the following provisions of the Fair Credit Reporting Act ( FCRA ) : - FCRA 511 ( aXLXA ) - Experian is required to conduct a proper investigation once I have disputed the information, which I did, providing sufficient proof ' - FCRA 611 ( aX6XBXiii ) - Experian is obligated to provide me with the verification details or procedures that were used to confirm the accuracy of the information, which has not been done.

- FCRA 168Lb - The unauthorized inquiry by XXXX XXXX XXXX is in violation of permissible purposes under this section. 
Despite these ctear violations and my submission of sufficient identification, Experian continues to report inaccurate and fraudulent information on my credit report ' I demand the immediate removal of these inaccuracies. lf Experian fails to comply, I am prepared to take further legal action and report these violations to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to reiterate my dispute regarding the following accounts, which contain inaccurate and unverifiable information. Over the past five months, I have sent multiple dispute letters to your agency, all of which are dated and time-stamped, demonstrating a clear paper trail of my efforts to resolve these issues. My most recent correspondence, dated XX/XX/XXXX, specifically noted four disputed accounts that remain unverified by the original creditors. Below are the details of the disputed accounts and the reasons for their inaccuracy : XXXX XXXX XXXX XXXXXXXX This is not my account. I was informed that the primary owner of this account is XXXX XXXX, not me. XXXX XXXX XXXX XXXX XXXX XXXXXXXX The date last active is incorrect, and there is no balance due. The correct date last active was in XXXX. This discrepancy renders the information unreliable and must be removed immediately. XXXX XXXX XXXX XXXX The original creditor could not locate any information regarding this account, and I have no obligation to the collection agency. This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and must be removed. XXXX XXXX XXXX - XXXX The date last active and balance are both inaccurate, making this account unverifiable and subject to removal. As per the Fair Credit Reporting Act ( FCRA ) and the FDCPA, you are required to conduct a reasonable investigation and remove any information that can not be verified or is found to be inaccurate. If these accounts are not removed immediately, I will have no choice but to move forward with litigation to protect my rights. This letter serves as your final opportunity to resolve this matter before further legal action is taken.
Product: Debt collection

I have never applied for an account with this company or given them authorization to insert any accounts to my personal credit profile. I was a victim of identity theft and have submitted my information to the company several times in order to resolve this issue.
Product: Credit reporting or other personal consumer reports

I appreciate the time you've dedicated to REMOVING some of the fraudulent items in my file resulting from an alleged identity theft. However, there are still remaining ITEMS that require removal, as outlined in my FTC Report # XXXX. This marks my third communication as a victim of identity theft, wherein I dispute the items in my file associated with this crime. The contested items are unrelated to any transactions involving the acquisition of goods, services, or funds that I have initiated or authorized. Kindly proceed to remove the record of these items from my credit file, attributable to an alleged identity theft. Additionally, I have included my newly filed FTC report # XXXX for your reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXX XXXX 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 XXXX XXXX
Product: Bank account or service

Once again ( it happened once already before and was resolved ), when I made purchases through Paypal the purchases were used to open a Paypal Credit account, rather than forwarded to my credit card or bank account on file. The purchases were international so maybe that had something to do with it, but probably not ( see below ). As I was unaware of these charges sitting on the Paypal Credit account ( I do n't religiously check my email ; if they tried to send notification that way, I was unaware of it ), having thought they were already paid off through being forwarded to either of the XXXX accounts I have linked to Paypal on file, they accrued a late fee. I called up, complained, paid off the outstanding charge and was told the late fee will be rescinded and the account closed ( again ). I asked specifically if it was necessary to use Paypal Credit when making an international purchase, rather than Paypal ( and the linked accounts ), and was told no, it is not necessary. They could have been made solely through Paypal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a 30 day demand letter on verification of data furnisher reporting on my file and method of verification. I obtained a letter from the reporting data furnisher stating that they do not report information to the credit bureau reporting the information and the credit bureau sent a item verified letter from a reporting company that i had my files suppressed and froze via a certified letter from LexisNexis. see attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX 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 719tXXXX 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 XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.