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

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

During XXXX XXXX  I bought a XXXX XXXX Financing was done through XXXX XXXX. However, the offer provided required direct debit for monthly payments. Debits were to be done at my XXXX XXXX personal account. Therefore, since my XXXX XXXX XXXX account always had enough balance to make this car loan payments, nothing was required from my end for the loan to be paid on time. Nevertheless, since I did not find the corresponding debits of XXXX and XX/XX/ XXXX I called XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, who explained to me that the loan had not been originated. Hence, he suggested that I pay directly to the dealer until XXXX XXXX could completed the due process, and I did. Since there was no active loan, I gave him a two-month payment in favor of the XXXX XXXX XXXX 

I believe that since XXXXXXXX XXXX had the lowest car loan interest rate at that time, the XXXXXXXX XXXX official in charge of the transaction was too busy at the moment and had to delay the due process. In fact, my credit report shows a credit request from XXXXXXXX XXXX  during XX/XX/2019, which I authorized, and another during XX/XX/, which I did not authorized. Therefore, since the car loan paperwork was done during XXXX XXXX  first payment was due in XX/XX/. Therefore, no payment delays apply. Moreover, I gave a two-month payment to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, hence, there was no payment delayed. In addition, I was never notified by letter or e-mail by XXXX XXXX of the payments delayed, because there was none! There was no active loan. How can I be delayed in a loan that does not exist and has direct debit? It is absurd! It was a direct account debit payment and XXXXXXXX XXXX couldnt proceed accordingly because there was a delay in loan origination. How can I be responsible for XXXXXXXX XXXX  official due process delay? 

You can contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and he will confirm these information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards accounts being reported by XXXX, XXXX and Equifax. I sent a letter back in XXXX to all three companies asking for all unverified and inaccurate accounts to be removed. I've only received a reply from XXXX in which they said the accounts were verified, however I've never signed off or consented to any verifications. I am still awaiting replies from XXXX and Equifax. I will be replying to them with a follow up letter this upcoming week. 

I've also been receiving an increase of unsolicited calls and letters from creditors since my initial contact with the bureaus. I found this quite unusual being as though my information was never given to them directly.
Product: Credit reporting or other personal consumer reports

I've filed a complaint on the on going inquires that's on my Experian report and haven't gotten them removed. i also filed a FTC report and haven't gotten a response from Experian yet i wish to have this matter resolved in prompt fashion due to it hindering my Credit Report Score.
Product: Credit reporting

I originally submitted dispute XXXX in reference to taking more than 30 days to respond to a dispute that I sent to Equifax. In my original dispute I submitted documentation to support my claim showing that Equifax did indeed exceed the 30 day window. Per my rights as a consumer, I must receive some type of response within 30 days. I did not receive a free credit report so therefore they should have been able to return the report within 30 days. They did not mail to a physical address, they submitted it to my email which should have been quite simple and quick. If they were finished on time, it should have been submitted back to my email with no problems. I am disputing the reason that they need 60 days to determine that they did not complete within 30 days and am possibly looking at pursuing legal action against Equifax because of their unprofessional conduct.
Product: Debt collection

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX XXXX XXXXXXXX Account Number : XXXX XXXX : {$160.00} XXXX XXXX XXXXXXXX Account Number : XXXX XXXX : {$160.00} XXXX. XXXX XXXX Account Number : XXXX Bal : {$180.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Bal : {$500.00} XXXX XXXX XXXX XXXX Account Number : XXXX Bal : {$250.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Bal : {$820.00}
Product: Credit card

On XX/XX/year>2024 I wrote to SYNCB/AMAZON XXXX via USPS Certified Mail , `XXXX requesting validation, made pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( section 1692g ) and the Fair Credit Reporting Act, along with XXXX XXXX XXXX Administrative Code ( section 20-493.2 ). XXXX XXXX XXXX regulations require all debt XXXX to send specific written documentation validating the debt. Under section 2-190 of the Rules of the City of New York , validation requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge. 

SYNCB/AMAZON XXXX received my letter and signed for it at XXXX XXXX  on XXXX XXXX, 2024 ( see USPS Tracking printout attached ) to which I received no reply. 

On XX/XX/year>2024 I wrote to SYNCB/AMAZON XXXX for the 2nd time via USPS Certified Mail, informing them of their failure to place a notice of dispute on my account within 30 days as required by federal law, citing the FCRA and FDCPA laws and even enclosing a printout of 623 - 15 U.S.C 1681s-2 clearly defining a data furnishers duty to provide notice of dispute within 30 days. 

I received a reply from SYNCB/AMAZON XXXX on or around XX/XX/scrub>, 2024, stating " no physical copy of the application is available ... '' and that the account was " charged off as a loss... and sold off to XXXX ... since [ SYNCB/AMAZON XXXX ] have reported accurate... are unable to delete or modify the status as reported '' totally ignoring their violation of Federal law which compels them, as a data furnisher, to add a notice of dispute within the timeframe required by law. This appears to be gross negligence and disregard for the law and for affected consumers like myself nationwide. If they are unwilling to cooperate, hopefully the CFPB and US Attorney General can induce a correction of their behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$17000.00}, Bankruptcy : Discharged XXXX Filed on XX/XX/XXXX Reference number : XXXX Court : XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX - XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX
Product: Debt collection

Dear [ Collection Agency Representative ], I am writing to request validation of the debt you are attempting to collect from me. I received a notice from XXXX your agency on [ XX/XX/year> ] stating that I owe [ Insert Amount ] on account number [ Insert Account Number?

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide me with the following information to validate debt : IS XXXX. The amount of the debt ; XXXX. The name and address of the original creditor ; XXXX. The date of the last payment ; XXXX. The date of the default ; XXXX. A copy of the original contract or agreement ; XXXX. A detailed accounting of all fees and interest added to the debt ; XXXX. Proof that the statute of limitations has not expired. 
Please provide this information within 30 days from the date of this letter. If I do not receive a response or if the information provided is incomplete, I will assume that the debt is invalid and may take further action to protect my rights. 
Please note that I am not admitting to owing this de ' and am only seeking validation of the debt as requing by law. 
+ Sincerely, XXXX XXXX
Product: Credit card

Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Credit - ATM Partial Non-Dispense Date Error Reported : XXXX Claim Amount : {$360.00} Dear XXXX XXXX, XXXX completed our investigation of your billing inquiry, and weve determined that no billing error occurred. 

As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. 

The disputed amount, {$360.00} will be included in the payment amount due on your next statement as of XXXX. 

We apologize for any inconvenience you may have experienced. If you have any additional questions or need further assistance, feel free to contact us at any time. 

Sincerely, Chime Disputes Team Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Credit - ATM Partial Non-Dispense Date Error Reported : XXXX Claim Amount : {$360.00} Dear XXXX XXXX, XXXX completed our investigation of your billing inquiry, and weve determined that no billing error occurred. 

As part of our investigation, a review of our systems was performed in addition to information provided during the claim fili Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Credit - ATM Partial Non-Dispense Date Error Reported : XXXX Claim Amount : {$380.00} Dear XXXX XXXX, XXXX completed our investigation of your billing inquiry, and weve determined that no billing error occurred. 

As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. 

The disputed amount, {$380.00} will be included in the payment amount due on your next statement as of XXXX. 

We apologize for any inconvenience you may have experienced. If you have any additional questions or need further assistance, feel free to contact us at any time. 

Sincerely, Chime Disputes Team Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Credit - ATM Partial Non-Dispense Date Error Reported : XXXX Claim Amount : {$5.00} Dear XXXX XXXX, Weve completed our investigation of your billing inquiry, and weve determined that no billing error occurred. 

As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. 

The disputed amount, {$5.00} will be included in the payment amount due on your next statement as of XXXX. 

We apologize for any inconvenience you may have experienced. If you have any additional questions or need further assistance, feel free to contact us at any time. 

Sincerely, Chime Disputes Team
Product: Debt collection

LVN funding has never responded when asked about documents. 
XXXX XXXX I have never opened this loan. 
XXXX XXXX has never sent documents regarding this loan XXXX has opened fraudulent information on my credit
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I received info from XXXX stating that the information on my credit report is accurate from Westlake Financial services, however when I spoke to the person who collected my last payment he made it clear to me that it will be removed, now its showing as charged off / settled for {$290.00} which us another lie because I paid {$300.00} because of this back in forth I have no other option than to sue this company.
Product: Vehicle loan or lease

On XX/XX/XXXX I wrote a letter to Santander board of directors and management team letting them know that they are reporting and attempting to collect an alleged {$16000.00} deficiency balance. I told them that I am disputing the legal validity of the alleged deficiency balance. I also told them that they are attempting to collect a deficiency balance that I am not obligated to pay. They have not provided me with the required notices before disposition of collateral and explanation of calculation of deficiency as required under the law. I told them to cease and desist all collection activity, including all credit reporting. I also requested the deletion of all any credit reporting to credit reporting agencies. I told them to write or email me to confirm their compliance with my demand within 14 days. As of today XX/XX/XXXX. I have not receive any correspondence or communication from them. 

Also Santander settled a class action lawsuit with over 34 different states and part of that settlement was for them to delete erroneous inaccurate information from of the customers they took advantage of, credit report. I am one of those customers. As of XX/XX/XXXX Santander is still reporting erroneous inaccurate information on my credit report. Please see details of the class action lawsuit settlement here https : //santandermultistateagsettlement.com/Home/portalid/0 Santander continues to violate the fair credit report act even after the consent order you issued against them back in XX/XX/XXXX https : //www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-settles-with-santander-consumer-usa-inc-for-credit-reporting-violations-in-connection-with-its-auto-loans/
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX partial acct # XXXX which I voluntarily CLOSED which acct is listed as CLOSED on its web page but my acct is still inaccurately reported as OPEN on my Experian, XXXX and XXXX XXXX credit reports despite my CFPB disputes. In fact, on XX/XX/2023, Experian sent me a report stating XXXX XXXX XXXXXXXX XXXXOutcome : Remains - The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. My account is CLOSED and continual reporting of my account inaccurately as OPEN and false certifications constitutes willful violations of the FCRA and Metro 2 compliance protocols subjecting violators to {$1000.00} statutory damages per willful violation. Kindly reinvestigate and either promptly report my account as CLOSED at consumers request or permanently delete my account and block access to the violating furnisher. The FCRA and Metro 2 protocols require prompt and immediate mid cycle reporting an account as Closed when requested by the consumer by phone or otherwise. False certifications and sloppy investigations shall not be tolerated. Similarly, as if XX/XX/2023, my XXXX and XXXX XXXX reports continue to inaccurately report my account as OPEN.
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 under 15 U.S.C 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 recods of convictions of crimes which antendates the report by more than 7 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 th
at the information is innacurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 then records of convictions of crimes which antedates the report by more then 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: Checking or savings account

Hi, I am reopening a prior complaint XXXX Citibank failed to properly codify the Tax Status in my Savings Account. As a result the began to wrongfully withhold taxes. I spent an entire month resubmitting the documentation and calling Citibank to correct this error. Citibank kept ignoring me and claiming they had not received any documentation for the entire month. 

I opened the complaint mentioned above, and Citibank quickly found and processed my requests. Thy responded as part of the resolution they would be refunding me back the taxes that were wrongfully withheld. 

But now that they complaint is closed, they are not complying with their commitment or resolution. In their response they agreed to refund me back by XX/XX/19. No refund has been received. I have been calling them daily to inquire about this matter. But they keep mentioning I must wait until next year and request the reimbursement from the IRS. This is illogical. I am a XXXX XXXX resident and do not have the requirement to file a tax return with the IRS.
Product: Debt collection

LendKey will not allow you to make a payment on your student loan towards the principal and interest unless they have generated an invoice for that month 's payment. On XX/XX/2021, LendKey generated an invoice on my account for the XX/XX/2021 payment. On XX/XX/2021, I made a payment on that invoice. On XX/XX/XXXX, I received a delinquent notice for that invoice. I contacted Lendkey immediately and spoke with XXXX who is a supervisor. He said the payment must have registered before the invoice which does not make sense because the invoice was already on my account before I made the payment. XXXX said he would have LendKey apply the XX/XX/XXXX payment to the XX/XX/XXXX invoice. I checked my account today, and instead of applying the payment on XX/XX/XXXX, the date that I made the payment, Lendkey applied that payment on XX/XX/XXXX which is 27 days AFTER I MADE THE ACTUAL PAYMENT. This is grossly unfair because I should not have to incur 27 days of interest when I made this payment on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for a credit freeze with Experian. However, anyone can recover my PIN : https : XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Money transfer, virtual currency, or money service

Starting with dates and amounts. XX/XX/XXXX {$97.00}, XX/XX/XXXX {$93.00}, XX/XX/XXXX {$30.00}, XX/XX/XXXX {$13.00}, {$3.00}, {$110.00}, XX/XX/XXXX {$130.00}, {$20.00}, XX/XX/XXXX XXXX, {$8.00}, XX/XX/XXXX {$95.00}, {$57.00}, {$54.00}, {$50.00}, {$95.00}, {$95.00} again, {$30.00}, {$360.00}, XX/XX/XXXX {$72.00}, {$95.00}, XX/XX/XXXX {$50.00}, XX/XX/XXXX {$45.00}, {$30.00}, XX/XX/XXXX {$95.00}, {$30.00}, {$140.00}, {$66.00}, Saturday {$100.00}, Sunday {$320.00}, Monday {$130.00}. I contacted cash app and filed a dispute for each and every transaction but I was denied because of my camera quality not being able to fully verify my ID due to blurriness, which me being denied also got my cash app card closed so now I can't order a cash app card use my old cash app card or use a virtual card. I can only send, receive, add cash and withdrawal funds. I legit don't know what else I can do because I had everything on cash app I just recently opened a bank account once I got back from My brother 's funeral, that is where I was for a full month was in Michigan with family because my older brother passed away due to XXXX XXXX, and my portion of the funeral funds were stolen. My phone was stolen 4 days before I left XXXX  to go to the funeral, but getting a new phone was the very last thing on my mind considering my brother had just died. I even went out my way and provided proof of family photos, and obituary, and a picture of the new phone that I have, cause on cash app you can see what devices were logged in.