23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

There is currently a student loan account reporting in error on my credit report with FM/Firstmark Serviced XXXX . I spoke with the student loan company and informed them of the error. They told me it was nothing they could do to resolve my concerns because the incorrect information showing was not reporting from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

When I received a copy of my credit report, and I noticed some accounts on my consumer report that had inconsistencies that should not be on there, I disputed them. The CRs did nothing to fix the problem. 

The list of inaccurate accounts to be 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX These accounts have too many inaccuracies like payment history, date opened, date reported, date last active, date of last payment, credit limit, and past due amount.

15 U.S. Code 1681b ( a ) ( 2 ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instr
uctions of the consumer to whom it relates.

15 U.S. Code 1681i ( 5 ) ( A ) In general, If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer The CRs have no respect for the laws that protect the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to co sign for my partner e. car and was denied. I was totally surprised because I have severe.I paid off cars on my credit. I went and pulled my credit and there e.re things on my credit that are not mines. I contacted my local police and FTC. Imm also doing this on my own behalf. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX. Please remove these items from my credit. I
Product: Credit reporting or other personal consumer reports

I opened a home depot credit card on a buy now pay later purchase. My credit want from Very Good ( which it always has been ) to Good. Can you help me fix this? As you will see from my history ; I have nearly always had perfect credit. Thanks.
Product: Debt collection

I went to a dealership to get a vehicle and was approved by Santander at XXXX XXXX XXXX with no credit history and they furnished information on my consumer report that wasn't 100 % accurate and refuses to acknowledge the grave mistake by continuing it to be allowed on my consumer report. None of the details concerning my loan are accurate across all 3 bureaus and I asked Santander to specifically send me the signed documents they have on file concerning the account. I have reached out to Santander without no prevail even though I qualified for their deficiency waiver of the lawsuit they had against them in North Carolina. I believe Santander misrepresented the auto loan given to me by using predatory and fraudulent actions and it shows in the furnishment of information given to credit reporting agencies. I am making this complaint due to Santander failing to uphold the rights of consumers and not properly handling the information given to them by me ( the consumer ) the right to properly dispute this account. Santander failed to give me enough information regarding how any deficiencies left on my auto loan would be calculated after the car were repossessed. Santander also engaged in deceptive servicing practices and actively misled me about the rights and risks of partial payments and loan extensions and added miscellaneous fees to my account after the sale of the vehicle. Santander broke several FDCPA, FCRA and XXXX laws and I want them held accountable. I will also XXXX : the attorney general XXXX XXXX about this matter. I have attached a copy of a letter that was sent to Santander.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001.
Product: Credit card

Let me start by saying clearly and plainly, we did not charge anything to this company and we have received nothing from this company. 
Now the story ; We had a Visa Signature credit card with Bank of America. When we received our XXXX statement we immediately call the bank about an unauthorized credit card purchase to someone called XXXX at XXXX. We called the company and received a text mail subscriber phone number ( which is a clear indication of a typical scammer telephone ). We left a message with this XXXX company and never heard back. We sent the company an email from the email address provided by the Bank of America and it was rejected as " ADDRESS NOT FOUND ''. 

Additionally we lodged a complaint with the credit card holder, Bank of America. On XXXX XXXX, we received a letter from Bank of America indicating our account was credited for the full {$220.00}. But on XXXX statement the charge reappeared. The bank claims they have a receipt that proves we charged it because it has our address on it. I 'm sorry but a simple XXXX search will show anyone our address. So that is n't proof at all. 

Additionally the receipt that Bank of America proved to us clearly shows the Shipping Address as " UnConfirmed ''. Obvious since we received no package from this XXXX company. 

We do not believe that we should be forced to pay for a credit charge that we did not authorize. And that the Bank of American or their associates does not have the right to come up with " bogus '' information to convince us to pay for their mistakes. 

We have all telephone calls with Bank of America recorded if you should need to listen to them. 

Also we should note that the credit card in question was replaced in XXXX for other fraudulent charges. 

It is our opinion that Bank of America is unwilling to assist us and intend to make us pay for their mistakes and inability to handle. I have attached a copy of the bogus receipt as well.
Product: Credit card

In XXXX 2015 Capital One Bank USA NA credit card balances were paid off by XXXX XXXX XXXX company in which I am paying them off in the form of a loan. The payments to the bank were considered a charge off and a zero balance exist yet they are still leaving negative comments on XXXX credit report bureaus. Because of the negative comments I am unable to get a loan or open a line of credit with my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I totaled a car purchased with a loan issued from XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX. I was unable to pay the remainder of the loan at that time. 

On XX/XX/XXXX the loan was charged off. My financial circumstances have changed dramatically since then, and in XXXX of XXXX, I called them and arranged to pay the remainder of the debt. They told me they would update the credit bureaus ( they reported the loan to XXXX  and Experian ). 

They reported incorrect data to the credit bureaus. As of now, it states that I was 60 days late in XXXX of XXXX and that the debt was charged off in XXXX of XXXX. This is incorrect as the debt was charged off in XXXX of XXXX and I paid the outstanding balance in XXXX of XXXX. 

I have made frequent attempts at contacting the company itself and disputing the charge with both Experian and XXXX. Per my understanding of the FCRA, this should be removed for incorrect information. Any help or advice would be appreciated. 

XXXX XXXX XXXX
Product: Vehicle loan or lease

This account was in collections since XXXX, and then XX/XX/XXXX this account showed up on my report as active. Then every month it says I've missed a payment. The company has never contacted me telling me a payment amount due, they've never said anything about when the payments are due each month, if they are going to reopen the case then they should have at least contacted me about making payments or anything.
Product: Checking or savings account

I sent a wire payment to what I thought was a legitimate property manager / owner to secure an apartment in XXXX DC. I became suspisious after sending the XXXX $ and IMMEDIATELY contacted Citibank. They barely seemed concerned and took some information over the phone. I called again noting that a dispute had not appeared in my banking profile against this transaction. I was assured that Citi was investigating it and that I would be recieving a letter asking for further evidence ( of which i had plenty, including the name, phone number, address, routing and banking account info, email, and proof that a specific person had defrauded me and had, indeed recieved the money ). I have a police report as well. I just recieved a letter from Citi stating that the transfer was made from my account and that it was legitimate ( not fraudulent ). I literally had all of the evidence they needed to investigate and likely prosecute the scammer. THEY DID NOTHING. They never contacted XXXX XXXX to verify the transfer. They did not look into the IP address, or any further information they could have, to help me. They simply told me it was legitimate- a transaction that I repeatedly reported was fraudulent. I filed a complaint with the FBI and I plan to file every grievance against this bank that is available to me. I have been with this bank ( credit cards included ) since 2005. I had a mortgage through them as well. They had no financial liablility and ; therefore, had no impetus to protect me as their banking customer. This is abhorrent. I had all of the information they would have needed to investigate and substantiate what I had reported. And to get my money back! They simply didn't care and basically told me it was my problem.
Product: Student loan

I settled XXXX CitiBank accounts with XXXX XXXX XXXX back in XXXX 2007. I attached proof of the settlement. But every time I dispute the balance on my credit report, it comes back verified. Therefore, I need this account to be deleted from my credit report for reporting inaccurate information that was clearly not verified or an investigation done. I am including a screen shot of what my credit report looks like on XXXX through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information on my credit report with transunion. checking my file ive noticed alot of invalid information. please update all information submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA law, if the credit agencies do not provide documentation of an disputed account or accounts then them accounts shall be removed. I have repeatedly fought the following accounts due to the fact they're not mines .The following accounts I'm asking to be blocked from my report. ( 1 ) XXXX XXXX , and XXXX XXXX XXXX  {$950.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Original complaint # XXXX In the original complaint I asked for one thing : Remove or explain an incorrect address. 

The response I received : " In your correspondence, you advised us that we are reporting an incorrect address to the credit reporting agencies. Unfortunately, I can not substantiate this claim. '' So where did the address come from, and why couldn't it be removed? 

If there was no supporting documentation to substantiate the address, wouldn't an easy fix to be remove it? Instead of hours of time and $ $ spent by XXXX, their fraud department, XXXX XXXX, CFPB, and myself ( although I'm not on the clock and getting paid for this exercise in futility ), the address was never substantiated. 

When did I question the validity of the account? That was thoroughly researched but was never questioned to my knowledge. The false statements or downright lies on behalf of XXXX by your representatives provided in the original complaint were just fyi. In case anyone cared how the employees talk to ( current, former, or future ) customers.
Product: Credit card or prepaid card

Hello my name is XXXX XXXX. I have a usbank reliacard. My card was locked XX/XX/XXXX. I have been contacting relicard customer service to get this fixed, I was told to fax a copy of my ID, drivers license and the reliacard number. I did all that and waited two weeks. Called them back and they said there was no fax ever received. So then I uploaded the documents on their website. I was told my an agent that the documents are now attached to my account and that it would take 5 business days for them to review it an unlock my account. It has been 5 business days and I am now being told my account is not unlocked an could take up to a month. I have bills to pay. I will loose my home. This account has already been locked for over a month. Please help. Usbank reliacard has  been given all the proof of my information. Every agent I talk to makes up more lies an just says to wait. I cant keep waiting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time writing equifax about items that are misleading and false reporting on my credit report and they have failed to respond back to me in a timely manner. According to Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), The credit bureaus may be liable for their willful non-compliance. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Im asking for the CFPB to please hold them accountable for not following the laws. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. They received my second as proof on this XX/XX/XXXX which means they now have 15 more days to finish their investigation. Which means they must delete every account they can not verify. 

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX FL XXXX 2. Validate Account XXXX Account Number : XXXX Please removed this inaccurate unverifiable information from my credit report. 

3. Validate Account XXXX XXXX Account Number : XXXX Please removed this inaccurate unverifiable information from my credit report. 

4. Validate Account XXXX XXXX Account Number : XXXX Please removed this inaccurate unverifiable information from my credit report.
Product: Debt collection

Received letter notifying me of wage garnishments ( not working, I am retired ) and bank levies. 
XX/XX/XXXX They also placed a lien on a property I do not own. 

XX/XX/XXXX - In communications, they have insisted I owe this debt to XXXX- the debt is now owned by a collection company in concert with an attorney 's office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX on XX/XX/2019 for auto purchase and explored options for Auto Loan. They asked me to give my social security number for best rate, which I gave ( and any normal person will also give ). 

Between XX/XX/XXXX ( Friday ) and XX/XX/XXXX ( Monday ), I recieved 11 hard enquiries on my credit report by banks. Moreover there multiple banks ( XXXX XXXX, XXXX XXXX XXXX ) who made multiple hard enquiries for same reason within span of 1 working day. 

My whole credit history was screwed up by them. 

I spoke to XXXX XXXX, they refused to me to remove any enquiry ( though both were made within 1 business day ) and asked me to speak to Transunion. 

I further called up transunion and they informed that XXXX  XXXX can make even hundreds of enquiry on any bank multiple times and there is no obligation to stop them. I have recordings of my conversation and can provide them to authorities if required. 

I feel I have been badly deceived by XXXX XXXX, XXXX XXXX XXXX ( for multiple enquiries for same reason ), XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX ( for making hard enquiries with explicit approval from me ) and Transunion for not hiding wrong doing by them and not removing incorrect, duplicate and unknown hard enquiries ).
Product: Credit reporting, credit repair services, or other personal consumer reports

It's a {$170000.00} loan my ex wife has thru our divorce. I signed the house over in the divorce. I've tried putting in a dispute when i saw it on my credit report. I have no ties to that house. I did try contacting the creditor, left a voicemail and still haven't gotten any responses. It's thru nationstar/ mr Cooper XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX I just want it off my credit report. Like i said, i signed the house over in XX/XX/2010.
Product: Debt collection

XXXX XXXX XXXX XXXX, account XXXX, I paid this debt with XXXX XXXX XXXX XXXX XXXX on XX/XX/year>, after this debt was paid, XXXX XXXX XXXX continues to sell this to other debt collectors. They gave this to XXXX  I disputed this debt with them and now I am receiving letters from I.C Systems. I have contacted XXXX XXXX XXXX  and they advise that they no longer have my account. I am requesting guidance how to avoid this ongoing issue as it has been resolved. Attached is my payment made to XXXX XXXX which also list the last for of the account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX, XXXX and TransUnion are furnishing the alleged Bankruptcy XXXX, negative accounts, and hard inquires to my credit report. My federally protected consumer rights are being violated by a variety of entities, including but not limited to the three main credit reporting agencies and minors such as XXXX XXXX, XXXX XXXX, and XXXX. In addition to this breach, they are also committing fraud, as these alleged companies claim to have verified and investigated this bankruptcy, negative accounts and, hard inquires, but your sources contradict their claims ( see attached documents ). I DID NOT give them neither direct nor indirect permission to furnish my information. This is unfair to me because I was never notified when this inaccurate information was provided, and I was never notified when you were going to report this information during the company 's initial investigation.These companies has ruined my reputation, and adversely affected my credit worthiness.