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

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
NXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

The following is a chronicled sequence of what happened between us and the Santander Bank ( the page numbers refer to the page numbers of the attached PDF files we submitted and received from the Santander Bank as evidence ) : 1 ) We were notified a couple of months ago that Santander Bank is going to close our neighborhood branch, and we started to look into our deposit of over $ XXXX with them in XXXX XXXX XXXX Savings and Checking accounts ( Page 1 ). 
2 ) After we realized that our over $ XXXX savings at Santander Bank were only earning a monthly interest of less than {$10.00}, we stopped by a Santander branch on XX/XX/, to close the accounts. One branch representative told us that they were offering an interest rate of 4.25 % APY to our type of savings account, but only to new customers, so she is going to request that rate for us in order for us to keep the accounts open, and told us it would take 3-5 business days for the new rate to be in effect ( Page 5 ). 
3 ) We followed up at a Santander Bank on XX/XX/XXXX and then on XX/XX/, only to be told that the 4.25 % APY rate was not going to be applied to our accounts. We decided to close the accounts on XX/XX/2023, and the bank representative cut us a close-out bank check without any disclosure ( Page 2 and 3 ). 
4 ) When I compared the close-out bank check amount with my XX/XX/2023, statement ( Page 4 ), I realized that Santander Bank did not pay me any interest earned from XX/XX/2023 to XX/XX/2023, which would be paid automatically by any bank we closed out accounts before. 
5 ) When we called the Santander Bank customer service about this issue, we were told that they wont pay any interest of our $ XXXX, since our statement cycle is not closed until XX/XX/2023, and we closed the accounts on XX/XX/2023, citing their XXXX  Page 7, Section B5, which was not made aware to us when we closed the accounts, and did not sound legal to us in terms of fair customer protection. 
6 ) We think Santander Bank is deceiving and disserving customers by two ways : a ) Not paying the nearly whole month of interest on our $ XXXX without disclosing when we closed out the accounts. 
b ) Not paying the same interest rate on our $ XXXX deposit for several months while their rate is about 50 times higher for the same type of accounts for new customers. 

In summary, we think a ) legally they need to pay us the fair market interest owed to our bank accounts of $ XXXX for XXXX, and b ) Attorney Generals office should be made aware of their deceiving business malpractice toward customers.
Product: Mortgage

At the end of XXXX I received a goodbye servicing transfer statement. On XX/XX/XXXX I received a just kidding email saying they were no longer transferring my servicing. I canceled my autodraft and made a one time paymentto ensure it was still on time. They ignored my request, took my one time payment and then took my cancelled autodraft payment as well. To prevent them from collecting on both payments ( I was current and only due for XXXX ), I put a stop payment through my bank. The bank charged me a fee to do so. Now, HomesideXXXX refuses to refund me the fee that I had to incur as a result of their inability to properly service a mortgage. They are not protecting their consumers, they are neglecting them.
Product: Debt collection

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Product: Credit reporting

The agents I spoke from equifax were not helpful at all. I received my credit report by mail and most of the inquiries were from companies I 've never contacted or tried to open any accounts with. I never used my social security number or any of my information with them. These companies that show on my credit report are : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX services. I have never contacted or been involved or have gave any authorization to them with my information to run my credit or open accounts with these companies. Equifax agent told me to call these companies and tell them to get me removed from my credit report. I called each one of these companies and they all said I have no open accounts with them and they have n't ran my credit or anything with my social security number or name so there is no way they can remove inquiries when there is no open accounts under my information. These companies told me to contact equifax again and let them know that they have never ran my credit or have any accounts open. So I did called equifax and they told me that it does show that these companies ran my credit. At this point i do n't know what to do. I spoked to XXXX agents from equifax and they were n't helpful at all. This is very stressful. And I need someone to help me and get these inquiries removed from my credit report. If these companies and equifax ca n't remove the inquiries who can?. It is frustrating because I never got involved or contacted any of these companies to even be on my credit report. The reason why I wanted my credit report was because I was barely going to start with my credit. Thinking I was going to be accepted because I 've never have had any credit anywhere with no one. I wanted to start my credit at XXXX. I was n't accepted for credit. the reason why was either I 've had a delinquent past or open /active accounts that Have n't been paid. I have never had any accounts with any companies, or have gotten any loans from no XXXX in my 24 years of life and definitely no delinquent past. When I saw the inQuiries from these companies I was shocked because I 've never had anything to do with them. I thought I was a victim of identity theft or maybe I am. I 'm thinking maybe someone is using my identity, using my information, opening accounts with my information. Messing up my credit. But where can I find out? Who do I go to or call? Equifax was n't helpful. It is frustrating. I need someone to help me clear this out.
Product: Mortgage

On XX/XX/XXXX I inquired about a refinance loan with Loan Depot. I own a condominium in a flood zone and have learned that most lenders wo n't approve a loan unless the HOA has a master flood policy. Mine does not. I specifically told the loan agent that I was not interested in beginning the application process unless I was assured that the lack of the master flood policy would not be an issue. On Sunday XX/XX/XXXX I received an email from LoanDepot thanking me for my application and advising me that my disclosures were available. That afternoon I forwarded the email to the loan agent reminding him that I was n't interested in an application unless I could be assured that flood insurance was not an issue. On Monday XX/XX/XXXX the loan agent forwarded me an email the Director of Transactional Management issued on XX/XX/XXXX stating hat they could not accept a loan with me because the HOA did not have sufficient coverage. I acknowledged receipt.
On XX/XX/XXXX I received a package in the mail containing a fully completed application with all my financial history and credit reports from the three bureaus. I did not authorize any of this. I was shocked and furious that my sensitive financial information was floating through the U.S. postal service and that my credit was pulled without my approval.
Product: Credit reporting or other personal consumer reports

This account is dated back since XXXX. They don't wqmt to work with you on any kind of payments. They keep reporting negative on me and it's hurting my credit bad. I'm on permanent XXXX and I tried explaining this. But this is not acceptable to them. They startee dropping my score in last 2 months since contacting them and updating my personal information l, which is wrong. My score dropped XXXX points just in a month due to them
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXXXXXX XXXX PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX - Balance : {$5000.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX - Balance : {$6900.00} XXXXXXXX XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX - Balance : {$21000.00} XXXX XXXX # XXXXXX XX/XX/XXXX - Balance : {$21000.00} XXXXXXXX XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1000.00} XXXXXXXX XXXX # XXXXXX XX/XX/XXXX - Balance : {$1100.00} XXXXXXXX XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX - Balance : {$4500.00} XXXXXXXX XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX - Balance : {$4500.00} XXXXXXXX XXXX # XXXXXX XX/XX/XXXX - Balance : {$4500.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to demand the immediate removal of incorrect information from my credit report. Despite contacting the credit bureaus multiple times, inaccurate details persist, which violates the Fair Credit Reporting Act ( FCRA ). 

Incorrect Information to be Removed : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations of the Fair Credit Reporting Act ( FCRA ) : Accuracy Requirement : The FCRA mandates that credit reporting agencies ensure the accuracy and completeness of information on credit reports. The incorrect addresses and employer information clearly violate this provision. 

Right to Dispute : As a consumer, I have exercised my right to dispute inaccuracies multiple times. The credit bureaus are required to investigate and correct these errors within 30 days, which has not occurred. 

Obligations of Furnishers : Furnishers of credit information must provide accurate data. The continued presence of incorrect information indicates a failure to comply with FCRA obligations. 

Timely Corrections and Notifications : The credit bureaus and furnishers must correct any inaccuracies and notify me promptly. Despite my repeated efforts, these requirements have not been met. 

I request the immediate removal of all incorrect information from my credit report. I am providing my correct information below for your reference : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, GA XXXX Employer : XXXX XXXX I expect your prompt attention to this matter. Please confirm receipt of this letter and the actions taken to resolve these issues. 

Thank you for your immediate attention to this matter. 

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

XXXX XXXX XXXX a collection agency that purchased the debt from XXXX XXXX XXXX continues to Tarnish credit report and creditworthiness. XXXX  displays debt from company. XXXX had a buyout promotion during the time. XXXX agreed to pay off XXXX XXXX XXXX. Began services with XXXX and XXXX XXXX XXXX were satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally submit a complaint to the Consumer Financial Protection Bureau concerning erroneous information present on my Equifax credit report. Despite my initial communication with Equifax on XX/XX/XXXX, I have not received any response or corrective measures up to the present date. The following outlines the inaccuracies that necessitate immediate attention and resolution : XXXX. Account Verification Request : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$440.00} I hereby request Equifax to verify the accuracy of the XXXX account ( Date Opened : XX/XX/XXXX ) due to the questionable reported balance of {$440.00}. This balance appears excessively high and does not align with my recollection of the amount owed. Furthermore, as Equifax has classified this account as closed and charged-off, the presentation of a Past Due amount is inappropriate. In light of these discrepancies, I intend to engage in direct communication with the creditor to rectify this matter. While these efforts are underway, I kindly request that Equifax mark this account as disputed, thereby preventing any further detrimental impact on my credit score. Additionally, I urge Equifax to verify the Date Opened, Date of Status, and First Reported details associated with this account. 


XXXX. Account Removal Request : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} XXXX formally request the expeditious removal of the XXXX account ( Date Opened : XX/XX/XXXX ) from my Equifax credit report, as this account is not associated with me. 


XXXX. Account Removal Request : Account Name : COLLECTION Date Opened : XX/XX/XXXX Balance : {$310.00} Additionally, I request the immediate elimination of the COLLECTION account ( Date Opened : XX/XX/XXXX ) from my Equifax credit report, as this account is not linked to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified these items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX, 2017 at around XXXX XXXX I was served with a lawsuit by a woman at my apartment, stating that I needed to appear in court. The document states, 'You must " appear '' in this case or the other side will win automatically. To " appear '' you must file with the court a legal document called a " motion '' or " answer ''. The " motion '' or " answer '' must be given to the court clerk or administrator within 30 days along with the required filing fee '. However, no court information was listed, in fact there was no contact information for the court at all and there is no official filing #. The only contact information was an attached form for an XXXX to pay by debit, check, XXXX XXXX or XXXX XXXX as well as a phone number to the offices of the company that was suing me. The company is Machol & Johannes , LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my personal residence late last year. I own a rental property with a mortgage loan as well. The closing agent ( XXXX XXXX, a Califonia Corporation ) erroneously paid the mortgage loan off that was on the rental property, though all loan documents contained the correct property address. The payoff occured on XX/XX/2020 In XX/XX/2020, I received a late payment notice on the mortgage secured by my personal residence. This notice came from XXXX XXXX XXXX in Virginia. In speaking with them, the originating lender & XXXX by phone, I was made aware of the error In XXXX of XXXX, I was also made aware by credit monitoring services that a 30 day late payment was recorded for XX/XX/2020. This resulted in a XXXX point credit score drop across all 3 reporting agencies. 

Since then, I have been in telephone contact with XXXXXXXX disputing the entry with them twice with documentation from XXXX assuming responsibility for the error. I have also disputed the entry with XXXX XXXX & TransUnion, all to no avail, as I have received confirmation from all that the error & resulting damage to my credit is uncorrectable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality un 15 U.S.C. 1681 List of accounts : Jefferson Capital Systems- Account # XXXX XXXX XXXX account # XXXX Jefferson Captial Systems- Account # 1903 According to 15 U.S. code 1681d. ( b ) ( b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.

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.

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.
Product: Debt collection

I am being called repeatedly about the debt that I owe. As of today, Monday, XXXX XXXX, this company has called me 10 times since XXXX. The voicemails that they leave do not identify the debtor, but just states that I am to call the person back as soon as possible to discuss a matter " of importance. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Nissan Motors Acceptance located in XXXX TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. 

They are reporting an account on my credit report that was opened in XXXX and charged off in XXXX, which is well past the allowed time for reporting to the credit bureaus. They have illegally re-aged this account and recently sold it to a collection agency that filed a lawsuit against me, which I hired a lawyer for and won the lawsuit, given the violation and expired statue of limitations. I have disputed directly with the credit bureaus on this account and Nissan continues to respond as account being verified, but fails to provide me with proof. 

Despite my efforts to resolve this unfortunate nightmare for several months now, Nissan Motor Acceptance, has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.