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

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


Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXXXXXX # XXXX Account NamXXXX XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided all the proof needed to show Santander Consumer USA was chasing me for a debt from the fraudster who used my social security number for years until my wife passed away back in 2018. I contacted this company and they told me they were denying my claim, even with a stamped certified, notarized police report that this was NOT me, and I was a victim. This company lied its XXXX off in reply to my other complaint. I am including that letter of lies from them, and a shot of the account on MY CREDIT FILE, even though the fraudster had a different name, state, and address than me. Plus different work info. This company lies and placed that account back into my file after I gave this company my correct information. That is ILLEGAL. Taking my info after my ID THEFT claim, and putting it into the FRAUDULENT account. Stop them, demand this company to remove that fraud account from my SOCIAL SECURITY number innediately.
Product: Credit card or prepaid card

I have had my credit card with BancorpSouth Bank in XXXX, MS for quite sometime. I pay my balance in full every month. I use the card for online grocery purchases, gas and some other occasional online purchases. 
On Monday, XX/XX/XXXX, I was notified through XXXX  that my authorized subscription for {$5.00} was declined by BancorpSouth Bank and that I needed to provide another form of payment. I knew this had to be a mistake. On Wednesday, XX/XX/XXXX, I used my BancorpSouth card at XXXX and at the gas station. Late Wednesday night, I created an online grocery order to XXXX. When I tried to use this credit card to pay, it was again declined. I thought maybe their system was down so I attempted again. 
During banking hours on Wednesday, I sent an email to BancorpSouth Customer Service to inquire what was going on with my credit card account. I received a response that I would be contacted within 24 hours. 
At XXXX XXXX  on XX/XX/XXXX, BancorpSouth Fraud and Risk Management Department contacted me and asked me to return their call. I called them back and spoke with XXXX. He immediately asked me for my card number. I refused to provide. In this day and time with all of the fraudulent transactions, I could not believe they asked for my card number. There has to be other ways to verify your identity. He said my card was placed on hold on XX/XX/XXXX and wanted to review some transactions with me. I asked him why it took 4 DAYS to contact me and that I had several transactions declined because of their hold. He provided no explanation for the delay in trying to reach me. This is very embarrassing! XXXX will no longer accept my BancorpSouth Bank credit card as a source of payment because they think I was past due or over my credit limit. What if I had been on vacation with this credit card as my only source of payment??? 
It is very obvious to be there is no standard of care or customer service at this bank. I still have not received a call from their customer service and it has been well over 24 hours mentioned in their email.
Product: Vehicle loan or lease

On XX/XX/XXXX I financed a vehicle from XXXX. The terms were supposed to be 36 months due to me rebuilding my credit. The original payoff date was XXXX 
XXXX XXXX XXXX, I called the finance company for assistance with a payment I was not able to make on time. The finance company offered to charge me a fee to put the payment at the end of the loan. The representative confirmed the changes and informed me that my new payoff date would be XX/XX/XXXX as two payments were pushed back to bring the account current. 
Fast forward to last week, I called the finance company to make a payment and to get the updated payoff information. This representative informed me that all of the 29 payments I've made to the finance company for three years totally {$15000.00}, only {$1000.00} was applied to the loan. He said that my payoff balance was now {$17000.00}. He stated that due to interest on my loan, I had a new balance. When I tried to explain to the representative that didn't make any sense. He simply informed me to check my contract. I checked the documents that I have and the total amount financed was {$17000.00}. When I asked the representative for a copy of my contract he said that their systems were down and he was unable to confirm the status. 
Certified mail was sent by my attorney but the car was repossessed today XXXX
Product: Credit reporting

Equifax is reporting a mortgage that is not mine and it has negatively impacted my credit and ability to receive loans. I have asked them to expedite the dispute but they refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : SELF EMPLOYED XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX. I did not authorize these inquiries XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. I did not authorize these inquiries XXXXL Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX
Product: Debt collection

Explained to the company that I did not open this account online and its not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX  Account # : XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U. S. C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency make make any consumer report containing any of the following items of information. Any other adverse items of information, other than 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: Student loan

I contacted XXXX for a second time on XX/XX/XXXX, requesting information on what I need to do to remove the cosigner from my loan. They responded XX/XX/XXXX that they would need 7-10 business days to review that I had made 24 on time payments, which I have and an additional 3 to send a form. As of XX/XX/XXXX, I have received nothing from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to transition on several occasions. I reached out in writing in XXXX and again in XXXX. Transition is still reporting incorrect information. Compared to my other credit scores, transunion is a much as 40 points off. That is a significant difference caused by them not removing paid items or other items that they have not sent me the requested documentation for.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Experian in XX/XX/2023 for Experian to correct the balance on my student loans. 

XXXX XXXX XXXX Account number XXXX The accounts were updated on XX/XX/2023 to the correct balance. 

However on XX/XX/2023, the accounts were deleted from my credit report. 

I have spoke several times with Experian representative and they can't provide any evidence of why the good standing accounts were removed from my credit report. 

I spoke with XXXX representative, and they told me that they didn't authorize Experian to remove the accounts. 

This is in total violation of the FAIR CREDIT REPORT ACT. This has been an ongoing situation for more than 30 days and there has been any resolution. This brought my credit report down more than XXXX point to the point that is affecting me and preventing me to obtain a fair credit. 

If my account are not reinstated on my credit report on the next 5 business days I will take legal action against Experian.

Im attaching a credit report date XX/XX/XXXX, that clearly shows that XXXX provided the right information to Experian, and they decided to remove the account regardless.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer on multiple instances I have written several cerified letters to all 3 credit bureaus requesting that they update my personal information and delete all other information that's incorrect however they fail to do so, here is the letter I sent certified to all 3 credit bureaus.

XX/XX/2018 To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : ********* Please update my name to : ********* My only social security number is : *********** My only and correct date of birth is : ********** My only employer is : *********** I do not wish to have any telephone numbers on my report.

Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.

Sincerely, ************ I've Enc. Driver License, and Proof of Residence
Product: Vehicle loan or lease

XXXX days after our missed payment, they started calling repeatedly. On XXXX XXXX, we called them and told them we are filing XXXX XXXX  bankruptcy and gave them our attorney 's phone number. Today, XX/XX/XXXX, they called me XXXX times ( while I was at work ). I called them after work and again told them we are filing bankruptcy and gave them the phone number. I also said calling me XXXX times in XXXX day was harassment and he told me that is within their guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

~In XX/XX/XXXX, I submitted a request to have deletion of unverified information ( XXXX ) removed from my account ~XXXX XXXX, the information was investigated and deleted from my credit report ~On XX/XX/XXXX, I noticed that the deleted information from XXXX was reinserted on my credit report and I had not received any correspondence from the credit bureaus OR the reporting creditor, so I sent a complaint regarding the reinsertion AND I filed a complaint with the CFPB. ~On XX/XX/XXXX the collection was " re-aged '' AND added back to my Transunion credit report this is in clear violation of my consumer protection rights. 
~In XX/XX/XXXX, I noticed that I had a recent late payment reporting on my report, so I looked into this only to find out that Transunion had now shown this error is reporting as a recent account opened as of XXXX XXXX ~As I looked into past credit reports, the erroneous and previously deleted account showed an open date of XX/XX/XXXX It is plainly obvious to me that my credit is being held hostage and at a time like this, it is utterly disgusting.I have attached proof of all correspondence for you to review. I request assistance with prompt deletion of this information on my report which is harming my score and the ability to obtain credit to help myself and my family. Thank you for your time and assistance with this matter..
Product: Credit reporting or other personal consumer reports

( 1 ) XXXX XXXXXXXX # XXXX THIS ACCOUNT IS REPORTING AN INACCURRATE BALANCE AND REPORTING DATE .IT IS A CHARGE OFF. I ASKED FOR SIGNATURES AND DOCUMENTS FOR THE ORIGNAL CONTRACT. I NEVER RECEIVED ANY PROOF. IT COMES BACK VERIFIED EVERYTIME. 
( 2 ) XXXX XXXX XXXX. WITH THIS ACCOUNT I HAVE DISPUTED AND ASK FOR THE ORIGNAL CONTRACT AND THE METHOD OF VERIFICATION. MY INVESTIGATION COMES BACK VERIFIED WITH OUT ANY PROOF OF HOW IT WAS VERIFIED. 
( 3 ) BMO BANK NA- XXXXXXXX THIS ACCOUNT IS INACCURRATE AND IT WAS SOLD TO XXXX  XXXX XXXX IS A COLLECTION. BOTH OF THESE ACCOUNTS ARE REPORTING THE SAME DEBT. THE REPORTING IS INACCURRATE ON XXXX AND XXXX NOTHING MATCHES UP ON THE REPORTING. PLEASE DELETE ( 4 ) XXXX THIS ACCOUNT IS REPORTING INACCURRATE DATE OPEN. DATE OF LAST ACTIVITY ON XXXX AND XXXX EVERYTHING IS INACCURATE REPORTING NOTHING IS THE SAME. I ASK FOR THE METHOD OF VERIFICATION.I WAS NOT GRANTED ANY PROOF OF HOW THEY VERIFIED THE ACCOUNTS. ( 5 ) XXXX XXXX XXXX XXXX THIS ACCOUNT IS A CHARGE. IT IS REPORTING INACCURATE DATE OF LAST ACTIVITY. DATE OPEN WITH XXXX AND XXXX NONE OF THE REPORTING IS THE SAME. I ASK FOR ORIGINAL DOCUMENTS AND PROOF OF HOW ITS VERIFIED, THEY NEVER SEND ANYTHING. IT COMES BACK VERIFIED. IF THESE COMPANIES CAN NOT PROVIDE ANY DOCUMENTS OR ANY PROOF. I WOULD LIKE THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT.
Product: Mortgage

I have a mortgage loan that is six months old and serviced by Green Tree Servicing LLC. I have had nothing but problems with this company. Now they have issued my insurance premium to the wrong insurance company as of XXXX. I switched insurance carriers in XXXX, more than enough time for Green Tree to update my escrow account. They 're customer service is horrid and yields XXXX results. 

They also drafted my XXXX XXXX payment on XXXX XXXX which ignited another nightmare round with they 're lousy customer service who could n't explain why my XXXX payment would be drafted two weeks early. Needless to say the people on the phones could care less and I suffered the consequences of overdraft fees incurred by this event.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRIES WERE ADDED TO MY CREDIT REPORT AND I DID NOT AUTHORIZE THEM. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, MI, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX  XXXX - XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

This account is reporting late as reported in my 3 Credit bureaus. This account should not be showing the current status of 30 and 60 days late since its already been paid for. It seems impossible to accrue late on an account that has already been paid. Please report the payment status positive and update all late from reporting on this account. XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I have written disputes to the credit bureaus and to Arcadia directly because, I do not believe that these accounts are accurately being reported on my credit report. So to clarify the accuracy of the reporting of these accounts I formally requested the following information that is being reported : 1 ) Original Contracts to ensure the accuracy and legitimacy of the date the accounts were opened, account numbers, and terms of the interest and penalties that were originally agreed to.

2 ) Payment History of the accounts for the entire duration of the notes to review the application of payments to their proper destinations 3 ) List of charges and fees especially those assessed after the charge off status on the accounts 4 ) Date of actions taken on these accounts including but not limited to the dates of the charge off status, correspondence sent to me regarding the charge off actions, and collection activities 5 ) List of the Dispute instructions your agency provided to the credit bureaus in response to my disputes to the Credit Reporting Agencies.

Arcadia still has sent me nothing at all!
Product: Debt collection

I lost my wallet years ago as a result of that I have had fraud committed in my name several times the 1st was from XXXX the second was XXXX XXXX the third was my Checking account at XXXX. and now this a XXXX XXXX  credit card that I never heard of for the sum of XXXX Please Help Me Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I have not been checking my credit. Recently as an account with your name addresses a different Social Security numbers. The following are fraud accounts name addresses thats on my credit report. Accounts : XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : 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 XXXXXXXX Phone numbers : XXXX
Product: Credit reporting or other personal consumer reports

My federal student loan servicer is XXXX. There was a transition of XXXX so they would have more oversight by federal student loan agency. 
Now my same debt is showing up twice in my credit report. 
One reported at " federal student loan '' and once reported by " XXXX ''. 
I contacted Experian and they stated I must reach out to the company reporting directly. I contacted federal student loans dept and they stated they do not report to the credit bureau and only my servicer reports. I can only assume that XXXX was reporting and continues to report an that now under the new agency they created they are also reporting. 
My debt to income ratio is impacted as this doubles my debt prevent in g me from moving on with financial transactions that would typically be approved by a bank but are currently not. I have notified XXXX about the problem. 
XXXX is not rectifying the issue despite my account being completely transferred to their new platform 3 months ago.
Product: Debt collection

I have contacted XXXX XXXX XXXX XXXX over a dozen times explaining the Identity theft I have occurred. They have not only not granted my chargebacks on my credit card ( My money protected by the FDIC ), they have also let a fraudulent check be deposited into my account of {$40000.00}. They also call 4-5 times a day in attempt to collect the debt. I can not pay $ XXXX that another individual stole from me. I will be providing my Identity Theft Report with this complaint. This has been going on almost a year and has destroyed my life. The amount on my credit card is more than double what my credit limit is. How can that even be possible? I am not even able to login into my accounts to check what other activity is going on as well as when I call in, the representatives will not gain me access to my accounts or give me my account numbers to report to the FTC, CFPB, as well as XXXX, Transunion, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair crEdit Reporting act XXXX Accouff # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency car furnish a account without my written instructions.

11.1K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for all purpose