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

I am writing to file a formal complaint against SANTANDER, XXXX and XXXX regarding the inaccurate and harmful reporting of my credit account details. Specifically, I demand immediate action to correct the following : 1. Late Payments 2. Collections 3. Charge-Off Status
Product: Student loan

I was awarded several TEACH Grants which some have not been converted to loans. One in XX/XX/XXXX and one in XX/XX/XXXX. I have contacted the Lenders that originated the grant, which now have been bought out by XXXX. They claim that they can not check into any documentation that may have been provided and therefore can not change the conversion of the grant. This has caused me to owe more toward my student loans and I feel it is unfair and misrepresented the intent of the grant. I am still working in the special education field and have satisfied my requirements towards the grants. They should have never been converted to loans.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding the inaccurate reporting of a late payment by this creditor to TransUnion. Their records incorrectly show a payment as late when, in fact, it was made on time. Despite this being an obvious error, the incorrect information remains on my credit report, negatively impacting my credit score. This false reporting is unacceptable and must be corrected immediately.
Product: Money transfer, virtual currency, or money service

I received a phone call from a citizens bank number on XX/XX/23, about fraudulent charges and them wanting me to authorize them. I said the charges were not made by me so they told me they were going to cancel my card, send me a new one and freeze my mobile banking as it looked like scammer had gained access. Not knowing it was fraud - caller ID said citizens bank and he did and asked everything they do- I gave my information and {$500.00} was taken from my account. My online banking, debit card and credit card were all compromised. Citizens bank denied my claim and reimbursement because it appears I approved the money transfer - because I was following directions of the fake customer service employee.
Product: Credit reporting or other personal consumer reports

Ive just been informed of me being a victim of the XXXX Data Breach Settlement my claim number is XXXX. On XX/XX/2024 Ive requested for the following accounts to be removed based off the Fair Credit Report Act. The XXXX account # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX has violated my rights. XXXX has already removed the following accounts that I am requesting Experian to do. My current number is XXXX XXXX XXXX. 

15 USC 1681 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 604 A SECTION 2 STATES CONSUMER REPORTING AGENCIES CAN NOT FURNISH ACCOUNTS WITHOUT MY CONSENT IF YOU GAVE ANY QUESTIONS OR CONCERNS I CAN BE REACHED AT XXXX XXXX XXXX
Product: Debt collection

Water damage took place in my house located XXXX XXXX XXXX XXXX XXXX WA XXXX. 
I received two checks from XXXX XXXX XXXX for total amount of {$73000.00} by my name and provident funding ( the mortgage company ) I endorsed the checks and mailed to the provident company on XX/XX/2019, after I got a promise from one of their employee through a phone call to get a check from them in five days. After repeated phone calls and a time when 75 % of the repair was completed I received a check # XXXX dated XX/XX/2019 for {$10000.00} with a letter stated that '' a final inspection is required on your claim to verify that your property has been restored to the original condition or better. 
A final inspection was done by provident funding inspector on or around XX/XX/2019 showing that 99 % of the repair was completed on a better condition. Since then several phone calls with funding company agent were made requesting the release the remainder of the fund ( {$62000.00} ) failed. un reasonable reasons and demanding unnecessary documentations not required by the loan documents ( Page 5of 13 paragraph 5 '', Attached. A certified letter was send to them, they received it on XX/XX/2019 requesting the release of the reminder fund, no respond
Product: Checking or savings account

several months ago i received a card and checks from hancock whitney bank XXXX  XXXX XXXX 
i called them to dispute the account. They told me that XXXX accounts were started but the second one was stopped inhouse before it was issued. They canceled the one i called about. At that time we discussed the fact that i wanted absolutely no account with that bank, they assured me that no accounts were open and none would be oppened in my name. I contacted federal id theft and filed a complaint with them, and also notified all three credit reporting agencies and froze my credit with them. 
Today i received a bill from the bank for XXXX for checks written on an account # XXXX. 
Today I called the bank and was told that this account was the second account. The one they flagged and did not open. I contacted XXXX, they told me that they have no record of this bank on my credit report, The reason for this compliant is the bank would not tell me how to contact their fraud dept. directly. I have never had a bank honor XXXX of my checks for an amount this large without money in the account. to cover at least the first XXXX but XXXX? 
per the bank no active accounts cover large checks not connecting me to the department i asked for on the call to the bank today i spoke to XXXX call reference # XXXX Please investigate this bank and the way they issue accounts on line and help me resolve my issues with them. 
thank you XXXX XXXX thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ACCOUNT NUMBER XXXX  IS APPEARING ON MY XXXX, TRANSUNION AND XXXX CREDIT REPORTS.

XXXX XXXX XXXX IN RESPOMNDING TO THE CFPB ON XX/XX/2019, SAYS '' THE ACCOUNT IS NOT THEIRS '' AND IN THIS CASE SHOULD NOT BE REPORTING ON ALL OF MY CREDIT FILES.I HAVE ATTACHED NATIONAL CREDIT SYSTEM 'S RESPONSE TO THE CFPB IN COMPLAINT NUMBER XXXX.

IN ADDITION, XXXX 'S UPLOAD SYSTEM DOES NOT FUNCTION..AND XXXX  REFUSES TO RE-INVESTIGATE CALLING THE DISPUTE '' FRIVOLOUS ''.
Product: Credit card

My complaint is about the Military Star card. I missed an XXXX payment, but made my payment again XXXX XXXX. Before that, I made a payment in XXXX for {$180.00}, and XXXX payments in XXXX for a total of {$400.00}. I am able to get bank statements to show payments made. The company says I owe over {$500.00} and keep reporting me to the credit bureaus as 30 days late. They said my minimum due is {$180.00} and since my last payment was for {$120.00}, I did not meet the requirements. However, I have been making the {$180.00} payments, and even double it in XXXX. They continue reporting me as late. When I tell them that I 've been making payments, they say I have n't. My last statement says I am XXXX payments past due. If they are doing this to me, I am sure they are doing this to many more veterans. Please help.
Product: Debt collection

A collection account reported negative on my credit. The agency is I Q DATA INT. This agency is not legal to collect in my State. I sent via certified mail a request to validate the debt. They won't respond. Each week they add more money to the debt.This agency is in violation of the FTC AND TX FINANCE CODE
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft  has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Debt collection

There is something on my credit for Amica. I dont know who that is. I didnt authorize them to put anything on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate bankruptcy in my credit report. Recently I dispute the bankruptcy with XXXX XXXX and they have removed the item from my credit file. XXXX XXXX suggested I notify all 3 credit bureaus to remove the bankruptcy. This is your notification to remove the inaccurate bankruptcy
Product: Credit reporting or other personal consumer reports

I was checking my credit report and I saw several charges listed as in collection when I called the collection agencies they told me a name that was linked to my SSN. They said I had bills from XXXX & XXXX from XXXX visits at XXXX XXXX XXXX XXXX XXXX XXXX from an XXXX doctor with XXXX XXXX XXXX. I tried to call the hospital but they said they employ no such group and when I tried to call the group all the numbers provided no answering service either said please continue to wait or leave a message but never once was the group name voiced on the automated call. In XXXX reviews this is a scam & several people have been scammed by this fake physician group. I also think the collection agencies are in on it because when I called XXXX XXXX XXXX they gave me the number to Cascade Capital Funding who is there head company & that number was not real either. They wanted to collect a debt from me that I did not owe. My SSN is attached to a person who is not me and my credit is being ruined by bills that are fake & not mine. The collection agencies are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Cascade Capital Funding LLC XXXX all of which have received bills from XXXX XXXX XXXX
Product: Credit card or prepaid card

To the extent that a creditor considers credit history in evaluating the creditworthiness of similarly qualified applicants for a similar type and amount of credit, in evaluating an applicant 's creditworthiness a creditor shall consider : On the applicant 's request, any information the applicant may present that tends to indicate the credit history being considered by the creditor does not accurately reflect the applicant 's creditworthiness. 

I applied for a card and was denied. Then I called and let them know that there are arbitration provisions in their own agreements that can be considered as additional information of that my credit report isn't indicative of my actual creditworthiness. I told them to consider that and applied again. I was denied again. 

So ... XXXX it. If I can't use it, one of you people who might read this and actually be able to do something with it can. XXXX it. I'm putting all of this XXXX out for the public. XXXX... it. 

It looks like they can't trade your information on new accounts per their privacy policy because probably qualified as a 1031 exchange of real property under the tax code. It's all XXXX. I'll be back after I try another credit card application because XXXX this XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly a collection in the amount of {$7400.00} on the XXXX partial account number XXXX. ( Please see page 24 of the attached credit report. ) The original amount owed was {$2000.00}. I have tried to make a payment plan on what I owe however, I have still not been provided with any itemization and/or any documentation as to what the additional {$5400.00} is for. This false reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to Experian and XXXX  regarding an account being reported by XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ). 

The letters were informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. I later realized that these medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

These letters were sent to both the credit reporting agencies and the collections agencies. XXXX  responded that the account was unable to be verified and deleted it from my credit report but Experian and XXXX failed respond to any of my complaints and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report. to this day the information is still being reported inaccurate and false information is being reported.
Product: Debt collection

I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Money transfer, virtual currency, or money service

ALLOW ME TO TRANSFER MONEY THROUGH XXXX
Product: Credit reporting or other personal consumer reports

Good evening, This is my second attempt to fix all remarks below regarding each account. The account listed below have been linked to my credit report fraudulently. I have requested verification and validation under the laws of the FCRA and your office has failed to provide me those documents. At this time I would like to inform you that I have also contacted each company and they have also failed to verify these accounts. Regarding my last dispute your office stated that the accounts were Verified. However, who verified these accounts? 

Please see the fraud collections below Account name XXXX XXXX XXXX XXXX- Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account numberXXXX Account name XXXXXXXX XXXX XXXX Account numberXXXX Account name XXXXXXXX XXXX XXXX  Account numberXXXX  Account namXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

ATTACHED IS A COPY OF MY FTC REPORT REGARDING EACH ACCOUNT!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I send this complaint to inform you that this is the several time I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.8 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.
Product: Mortgage

I had a Wells Fargo mortgage from the period of XXXX. I believe I am in the class action lawsuit for how Wells Fargo treated mortgage accounts. Inwas never notified. A couple weeks ago I got a letter from them saying that there had been an error on my account back then and to call about it. I did and was told that this had nothing to do with the class action settlement for mortgages but that they made an error on my mortgage escrow account back then. I spoke to XXXX in mediation and she was not very happy with me asking about the class action suit which makes me think with timing and what happened I may be a claimant in it. I also have reached it to wellsfargo corporate and have not heard anything back yet and emailed them saying a believe I am in the settlement group but have not heard anything during that period wf kept turning me down for refinancing my loan after I applie multiple times and they kept misplacing paperwork my home almost went into foreclosure. When they did offer me a product it was a bad product with a balloon payment that I did not get out of till 6 years and many fees later. I read that this group helps people who believe they are in settlement group .my addres is XXXX XXXX XXXX XXXX, XXXX ga XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This in response to a previous dispute response from PNC. I spoke with XXXX XXXX, XXXX XXXX Relations. PNC XXXX XXXX XXXX. For starters, she specified per their policy starting in XXXX, states that they dont report to credit bureaus if a bankruptcy is on file. She also stated not all their calls are recorded but their reps specify when you call that all their calls are recorded when you talk to PNC reps on the phone. Per my rights, and to recap ; PNC was reporting on my credit until XX/XX/XXXX. PNC appeared on my credit starting XX/XX/XXXX when they bought out BBVA. Under my rights, I still was not notified that PNC would stop reporting to the credit bureaus due to my bankruptcy. I never received a disclosure for this policy and due to the error on PNCs end and lack of documentation provided to me, this hindered my credit score. I was told via phone call from the credit bureau representative from your credit bureau investigation department that all they would need was the reaffirmation letter to start reporting back to my credit. I demand this phone call be reviewed and acknowledged as I was told all calls are recorded anytime I call PNC. I demand that call to be reviewed because I was provided this information from these reps. Overall, I was never informed that PNC was not going to continue reporting and caused my credit score to take a hit which resulted in a hardship for my livelihood. I need know where and when this disclosure was provided to me that PNC would not report to the credit bureaus because of the bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to American Express around XX/XX/XXXX through XX/XX/XXXX about and inaccurate information that XXXX had listed on my credit report, that I'm missing a payment with them. American Express had assured me that they have accurately updated my account with the credit bureaus so I should give them some time to update my credit file. I have reached out to XXXX  many times about this inaccurate data they are reporting but they refuse to resolve this issue.
Product: Credit reporting or other personal consumer reports

I am in the process of purchasing my first home and I noticed several damaging and inaccurate information of my credit report. According to 15 U.S.C 1681, there should not be any damages on my report. This is a defamation of my character. I would request methods of how they verified certain accounts as well as inaccurate reporting on my account and my disputes would be out right ignored and the damaging accounts still remaining on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of utmost significance concerning my credit report. After a thorough review of my credit history, I have identified several accounts that have been opened without my authorization, adversely affecting my creditworthiness. I firmly believe that these accounts are a direct result of identity theft and warrant immediate attention and resolution. I suspect that my nephew may have utilized my personal information to initiate the creation of these accounts and execute these transactions without my awareness or consent. I have reason to believe that he had access to my sensitive information, including but not limited to my Social Security number, date of birth, and various identifying particulars, which may have been exploited for these fraudulent activities. I kindly request that you prioritize the resolution of this dispute, as it directly impacts my financial stability and overall well-being. 

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

I requested that Experian investigate and delete XXXX inaccurate and unverifiable accounts. Experian responded to my letter and deleted XXXX account out of the XXXX, but the others they claimed were updated. I sent another letter to Experian, asking for the method of verification or how they verified an inaccurate account and they did not respond.
Product: Student loan

My daughter attended XXXX XXXX and XXXX XXXX, NJ graduating in XXXX with a BS in geology. During this period I was employed. After suffering a XXXX XXXX and long unemployment, we were unable to make regular payments on the loads, and my daughter, while employed, makes less then {$10000.00}. Consequently we missed making loan payments. I contacted the legal department and the Office of the Chairman of Citizens bank, the lender, in XXXX XXXX in an effort to reestablish an affordable repayment plan. After several discussions in XXXX of XXXX, I was instructed in writing by the legal department to submit XXXX {$100.00} payments with the expectation that I would be subsequently billed regularly in an effort to repay the debt. I received no billing, and no further correspondence or contact until XXXX XXXX, XXXX. Starting on XXXX XXXX, XXXX, Citizens bank began dunning calls, XXXX to XXXX times a day, and began calling relatives. Then I received a letter on XXXX/XXXX/XXXX dated XXXX/XXXX/XXXX acknowledging the payments, advising that no further payments were received " since XXXX/XXXX/XXXX on the above referenced account, which you agreed to pay. '' Yes, I did agree to pay, where are the bills? Why have they immediately resumed vicious dunning tactics? Why did they not follow through with our agreement to resume billing?
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX have failed to fulfill their legal obligation under the Fair Credit Reporting Act ( FCRA ) to reasonably investigate information I disputed on my credit report, leaving inaccuracies and unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, XXXX, and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers adequately of dispute outcomes. These failures align with my experience, where Experian, XXXX, and XXXX have neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian, XXXX, and XXXX 's inaction violates federal law and my rights as a consumer.