23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against the following lender : XXXX XXXX XXXX XXXX XXXX Ft. Worth, Tx XXXX Santander Consumer is reporting a vehicle loan as charged off, showing a {$29000.00} balance on a car that was voluntarily surrendered XX/XX/XXXX. It was then sold ( supposedly ) on or around XX/XX/XXXX. This item is reporting as a charge-off, but I am disputing the accuracy of this item, because I believe the company is reporting this item in error, and it should be removed. 

The company states they sent information regarding the sale of this vehicle, but it was never received. For a situation of this nature, it would have been in their best interest to have sent it certified, to ensure that it was received properly. There was never notification that the car was being sold, when or to whom and for how much. 

The letter dated regarding the sale of the vehicle I was recently sent ( XX/XX/XXXX ), was dated for XX/XX/XXXX. The vehicle was picked up on or around this date, so how could they send a letter notifying of a sale if the car was picked up days before this letter was supposedly generated. That A " voluntary repo fee '' was assessed on XX/XX/XXXX, yet the sale of the vehicle was reportedly done around XX/XX/XXXX of XXXX. Basically, the time of voluntary repossession, notification of sale and actual sale, I believe violates my rights as a consumer. 

This company did not grant any of the following during the course of the repossession and sale of the vehicle when asked. There was no verification, or validation of why this item is being reported and how they are lawfully reporting this item on my credit report. 

*EFFECT OF ERRORS OR OMISSIONS *NOTIFICATION BEFORE DISPOSITION OF COLLATERAL *TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL *CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL I would like to have this issue investigated immediately. This is a predatory loan company and their integrity has been in question quite often over the last few years. Please investigate, as they are not being of any assistance in trying to get to the bottom of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX, and they said their system automatically put me on paperless billing, which I did not request. I was awaiting a letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and Equifax only reporting me 30 days late in XX/XX/2018. There was an error on their part. I was never 30 days late.
Product: Credit card

I have previously submitted a complaint # XXXX Comenity about this issue and they denied I was a customer. I am very much a customer and I am the ONLY one on the account. My account number with Comenity Bank/Alpheon is XXXX. This is fraudulent. I was charged {$3600.00} in interest on my balance of {$2400.00} on XX/XX/year>. I enrolled in an interest free for 24 months account through my XXXX XXXX office. I paid the amount they assigned each month. However, at the end of the period, I was suddenly charged an additional {$3600.00} in interest. I called several times and spoke to XXXX, XXXX, XXXX and XXXX from XX/XX/year> all of whom said they were " supervisors '' /senior account specialists when I asked for a supervisor. I also wrote a letter on XX/XX/year> to Comenity Bank detailing the situation and their response redirected me back to the XXXX number with no acknowledge or resolution. All to no avail. I offered to pay the balance ton the phone with XXXX the day I realized I was charged that much interest but was told I could not. just pay the balance and delete the interest. This is an illegal and unscrupulous practice and it is adversely affecting my pristine credit score and my future financial endeavors. Please advise me on how to delete this from my credit as they have already stated I am not a customer. Thank you for intervening for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To who this letter my concern my name is XXXX XXXX I have contacted XXXX XXXX and Equifax LLC credit bureaus both mail and by phone after I applied for a mortgage XXXX and discovered inquiries on my credit report that did not belong and never seen before after sending 609 letter to validate I have not received any answers. This matter is urgent. These are the only items that should be accurately reporting below!! All other inquiries need to be removed immediately! 


These lenders have accessed your credit file : USDA-FSA Federal Government Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX I Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX I Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts/inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attachment. This is the response that I received when I requested the Method of Verification for the fraudulent XXXX XXXX XXXX account. TransUnion is refusing to validate this debt. They are also updating the XXXX date each month which is also a direct violation of my FCRA consumer rights. I am hereby requesting for this fraudulent account to be removed from my account due to TransUnion 's inability to validate the account.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

After numerous phone calls requesing the account to be closeed, the last on one on XX/XX/2020, Citibank will not close my savings account which has a {$0.00} balance. 
My concern is that they will charge me a {$25.00} monthly fee.
Product: Credit reporting or other personal consumer reports

I am requesting immediate resolution regarding my inability to access my TransUnion online account to manage my security freeze. My credit report was initially frozen as a minor. Now that I am no longer a minor, I have been attempting to set up an online account, but I continue to encounter persistent issues. 
Summary of Actions Taken : Early XX/XX/year> : I contacted TransUnion support after the website displayed an error while attempting to create an account. I was informed that my account had a lock, which was then lifted. However, this did not resolve the issue. 
Following Call to Consumer Relations : I was advised to submit identity verification documents to TUIFulfillment. 
XX/XX/year> : I received confirmation that my identity was verified, my service was active, and I was provided with a temporary password. However, upon attempting to log in, I encountered the same website error. 
XX/XX/year> : I spoke with a supervisor in Customer Relations who stated that my account needed to be deleted and advised me to re-register after a short period. 
XX/XX/year> : I attempted to register again and received the error message : " Online Authentication System Unavailable. '' Required Resolution : This ongoing issue is preventing me from managing my security freeze. Please investigate and take the necessary steps to fully resolve this matter. If my account requires further action, I need clear instructions on what is required to successfully access my account. 

I expect prompt action and a direct resolution. Please confirm receipt of this request and provide a timeline for resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ********* ( copied from the affidavit attached ) *********
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect Information on my credit report. 
Fraudulent accounts : Bank of America XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a VICTIM of Transunion inquiry issue, customer service would not help and take care of the negative inquiries reporting on my credit report, I sent them a certified letter to remove the inquiries and made two phone calls, these inquiries was previously moved off my report and when they had their issues with the inquiries showing back up on credit reports it caused my credit score to go down and I was not notified of this issue and by law they are required to notify me. I addressed this issue with Transunion and they still will not remove these inquires.
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XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
Product: Debt collection

I have attempted to settle a debt that was owed several times. All of my attempts were either ignored or rejected. I was sued for a much higher amount than I owed because they kept on accruing interest after I had made several attempts to settle or to arrange a monthly payment plan that I can afford. They brought me to court and I had no representation and did not know what I was doing at all. They bamboozled me into accepting a monthly payment plan based on an inflated figure and the payment is more than I can afford per month. I will be paying this debt forever while they collect money on a debt that I do not owe the full amount for. It is wrong and deceptive.
Product: Money transfer, virtual currency, or money service

I sent {$500.00} with Zelle and the money was never received but was taken out of my account
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding accounts that I did not recognize over the course of 1 year. I have received multiple notices of companies that have had data breaches and wanted to resolve these issues listed on my credit. 1 in particular was an identity theft account in which I filed on this website the account was removed then place back on my credit report, without any prior notification in which I believe is another violation of FCRA. I called the fraud department and I was told it was verified. Experian has failed to conduct legitimate investigations to protect the consumer. This entity is for profit not compliance with the law
Product: Credit reporting or other personal consumer reports

I contacted Bmw financial to change my account from derogatory to current.There is a late payment showing in XXXX, however, the vehicle was refinanced on XX/XX/XXXX and Bmw received payment on XXXX XXXX payment would have been due on XX/XX/XXXX, the day they received the payment. 

This has impacted my credit score tremendously.BMW is refusing to change the status and am asking for your assistance.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, which transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed the three credit bureaus XXXX, Equifax, XXXX. That I was a victim of identity theft however, they still have not removed them from my report.
Product: Checking or savings account

Money was deposited into my Paypay account. The Home page has box at the top with the balance and " Transfer '' option. When you select this option to transfer your funds to another bank you are routed to a page that offers you option to deposit funds but no option to access/transfer your funds. Very deceptive.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
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
Product: Money transfer, virtual currency, or money service

My name is XXXX and Im one of the many victims of the XXXX XXXX XXXX scam. On XX/XX/XXXX XXXX was selling a sofa-bed on the XXXX. A prospective buyer messaged me requesting to pay using XXXX. I wasnt familiar with this form of payment, but I remembered that I had seen it on my PNC app. The fact that XXXX was offered on my bank app gave me a false sense of security that brought my guard down. The buyer asked for my email address to send the payment. I received a fake email appearing to be from XXXX XXXX XXXX the buyer had paid using XXXX business account and that I must upgrade to the business account too. The buyer then contacted me directly claiming that he received the same email from XXXX and, to make things easy, he sent me money to cover the purchase and the upgrading fee. Then the scammer asked to be reimbursed for the upgrading fee. And this went on with XXXX transactions ( claiming problems with the XXXX system ) with a total loss of {$1700.00} ( {$200.00} + {$500.00} + {$1000.00} ), almost all the money I had in my PNC account. I reported the scam immediately, within minutes, to PNC. After 10 days from filing the dispute, PNC sent me a letter of denial, stating that the XXXX transactions were not fraudulent because I had authorized them, even though I had been tricked into doing so. I believe that since XXXX is embedded in the PNC app, PNC should feel in part responsible for these scams. If I had to download XXXX and create an account myself, I would have probably had the time to think about what I was doing and get suspicious. Also, banks get away with denying these claims because federal Regulation E requires banks to cover only unauthorized transactions and these scams trick people into making the transfers themselves. I believe that since I was duped into making these transactions, they should be considered unauthorized. 
Thank you for listening to me. Please, let me know what I can do to make this right. Any suggestion will be greatly appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see Please see enclosed documents
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$3300.00}, {$240.00}, {$890.00}, {$510.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOANS OR LEASES 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$240.00} -This is not my account. 

4. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

5. XX/XX/XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$510.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

I initially filed a complaint with Early Warning Services , LLC regarding their handling of my account. In response, they informed me that the issue had been resolved. However, this statement is not accurate. Despite their claims, I am still unable to enroll my phone number or email address with Zelle through XXXX XXXXXXXX XXXX When I attempt to do so, I receive an error message stating that I can not enroll and must contact my bank. Upon contacting XXXX XXXXXXXX XXXX, I was informed that Zelle is the party restricting my account. 

This situation has caused me significant frustration and stress. I rely on Zelle for financial transactions, and the inability to resolve this issue has created unnecessary complications in my daily life. I find it unacceptable that this problem persists despite repeated attempts to address it directly with Early Warning Services , LLC and Zelle. 

I am requesting your assistance in investigating this matter and ensuring that Early Warning Services , LLC and Zelle take the necessary steps to resolve this issue promptly. I also ask that they provide a clear explanation of the actions taken to prevent similar situations from occurring in the future. 

Please let me know if additional information or documentation is needed to assist with your investigation. I greatly appreciate your time and attention to this matter.
Product: Debt collection

On XX/XX/22, I received the results of a previous complaint that I filed via the CFPB on XX/XX/22 regarding a collections account balance. Sequium Asset Solutions responded, stating the account was closed as fraud and deleted. The dispute was settled. I was then instructed by a CFPB representative ( who confirmed the account was deleted ) to submit this information to XXXX, XXXX, and XXXX so that could be reflected on my credit score. I did so on XX/XX/22. Today, XX/XX/22, they have completed my disputes and said that the debt is still owed on my account according to XXXX XXXX XXXX who has verified that it belongs to me. This can not be correct as it directly contradicts the results I received from the CFPB last month.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Trans Union LLC Consumer Dispute XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, unverified or fraudulent accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
Fraudulent Account Company 's Name 1-XXXX XXXX XXXX XXXX 2-XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX  enacted XXXX Metro 2 COMPLIANCE regulations , I demand that these above mentioned derogatory items be investigated and permanently removed from my report.as they are Fraudulent account. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with yo. certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting the account that I had with them inaccurately. XXXX is reporting that the account opened on XX/XX/XXXX which is a relatively minor issue as I read through my report I noticed that the date the account was last paid is documented as XX/XX/XXXX per their records mailed to me however on my credit report it reflects the dates XX/XX/XXXX ( TransUnion ) and XX/XX/XXXX ( XXXX ) which is another inaccuracy.

The terms according to our agreement is a 72 month contract however on my credit report it states that the terms are 74 months. The worst part of this inaccurate reporting is that the balance according to their record is {$8700.00} as of XX/XX/XXXX but they are reporting a balance of {$9800.00} on my credit report.

Clearly this account has some issues and needs to be audited, however, as of today I simply request that they remove the account from my credit report. I have tried to resolve this issue with the credit bureau 's in which I did not receive response.