23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I deposited a check from my outside business account. The account was shared with a business partner who stated he did not receive the check as it took several months to receive the check from the bank. The check was for {$5500.00}. After communication, the business partner explained he made the claim in error due to documents sent to multiple different addresses as we live in different areas and the bank taking an extended time to send the check from the account. This was due to the business account being closed for inactivity. He expressed this to the claiming bank and the claim was not continued with that bank. This was communicated to XXXX XXXX XXXX and immediately the bank closed my account. The timing of my account being closed was directly after receiving my direct deposit from work. I attempted to use my card XX/XX/year> and my card was declined. Shortly after, I called the bank and was told that my account had a hold on it for investigation. After the phone call, I received an email stating what I was told. I called back about this email and then was told my account would be closed. This is less than XXXX minutes in time. I have been waiting for further communication and did not receive any correspondence since XX/XX/year>. This email stated the account will be closed and they have concluded their final review. I called capital one again on XX/XX/XXXX and was told they can not give any information. I called again on the XXXX as I am not really stressed due to not having my funds. I have not been able to pay my rent and am currently in a space where I soon will be evicted. The information given to me in the final call was that the investigator is still investigating and they want to determine whether or not they are going to use the funds to send back to the bank claiming fraud. They will not let me know when I will see my money if at all in their words. Beyond the fact that they are unhelpful, they have been extremely rude and have no sympathy for the situation I am in. I really need the funds in my account which would be {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed an XXXX XXXX account several years ago MYSELF and Transunion just now reported that THEY closed it and reduced my score XXXX POINTS! 
Again, this is willful violation of the FCRA and going in my lawsuit against the three CRA.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Company refuses to remove late payments from credit reporting.

Not providing statements 21 days prior to .due date as required by law, violation of 15 US Code 1666b ( e ).

Company sent email response admitting the violation.

Picture of email attached.
Product: Credit reporting

Please be advised this our FOURTH time we are trying to seek justice in this matter. On three separate occasions, we requested to have a release and withdrawn lien removed from our Equifax credit report per the Internal Revenue Service release and withdrawal. The documentation from the IRS stating that the lien has been released and withdrawn is attached. In each instance, Equifax has provided confusing and insufficient explanations as to why you it chooses to continue listing a withdrawn lien on our credit report. XXXX and XXXX have removed the lien based upon the IRS documentation. As further evidence supporting our position, please see the attached email documentation from XXXX XXXX XXXX a Tax Specialist with the XXXX Office of the Chief Financial Officer of Taxation and Revenue indicating that there is " no indication of a lien filed in the XXXX '' on me and/or my wife XXXX XXXX. 
Based upon the documents, we have Equifax through a formal dispute to respond to the the following questions : 1 ) Please provide to us the Equifax policy regarding removal of withdrawn liens from credit reports. 
2 ) Please advise whether your failure to remove an IRS withdrawn lien from a credit report is Exquifax policy. 
3 ) Please advise whether the above Equifax policy is consistent with Fair Credit Reporting Act, as the other XXXX agencies have subsequently removed the lien. 
4 ) Please explain how your policy specifically has a bearing on our credit worthiness. As the Internal Revenue Service saw fit to remove, we believe your failure to follow suit constitutes an unfair business practice and is harmful to consumers. 
XXXX XXXX XXXX, XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX )
Product: Vehicle loan or lease

In XXXX  I took out a loan for a used vehicle with a shady dealership no longer in business that had me sign multiple blank documents stating that they needed to submit multiple offers to multiple banks. The price was changed from XXXX to XXXX without my knowledge. 
I was young, XXXX, XXXX and single mother living in public housing. 
I was a victim of predatory subprime lending. I do not believe Santander gave my information to include me in settlement. In addition to this I recently asked for a copy of my payment history and noticed every month I was charged late payment fees even though I paid full amount on auto payments monthly and biweekly through my bank. These late payment charges were also compounded by interest they were charging. Lastly when the car was totaled my insurance paid full market value of the vehicle and I was told it was settled and paid off. Santander continued to add charges and fees and are reporting balance of over XXXX despite 3yrs of payments and a lump sum insurance payment. They have also altered the first late payment by several months to keep on my report additional time.
Product: Credit reporting or other personal consumer reports

My consumer report contains identity theft-linked accounts I never authorized in writing or by wet signature. I recently notified you about this and now formally demand these accounts be blocked and removed from my report immediately. These false entries are causing me major distress and misrepresent my credit history. I'll pursue legal action if this isn't fixed promptly. These fraudulent items have prevented me from reaching important financial goals like buying a home and supporting my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third complaint to the CFPB and I have also written to the Credit reporting agencies indicating that my credit file is inundated with inaccuracies. However, the credit reporting agencies have repeatedly stated that these items were validated as being accurate. Clearly, this can't be the case when there are clear instances of inaccurate reporting on my credit file.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting or other personal consumer reports

My credit report is negatively affected because the agency XXXX XXXX XXXX failed to warn me that I was owning {$570.00}. I paid off my car loan on XX/XX/XXXX but it wasn't until XXXX of XXXX  that the company informed me that I was behind on the said {$570.00} bill. When I settled my account on XX/XX/XXXX, I was assured that my bill with XXXX XXXX XXXX had been fully paid and that there was no balance. 
I paid off my loan with XXXX XXXX XXXX XXXXXXXX in XXXX  but the credit union waited until XX/XX/XXXX to close the account and reported me to the credit bureau. In fact everything on my credit report is wrong and I want it removed.
Product: Debt collection

Barclay has reported a negative erroneous account to my consumer credit report which is result in Identity Theft. I have no knowledge of this account. I've disputed this account countless time & their validating the debt as accurate. The account is now in collection & own by a different company recently after I disputed the account for verification. I called that company on XX/XX/2019 where it was sold too & was told that Barclay took the account back moments after. However they have yet to prove verification. Under FCRA 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 they're required to promptly DELETE off all credit bureaus ( XXXX, XXXX  & XXXX  ). This action has hinder me negatively, not only myself but, my family as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

The letter I sent to XXXX XXXX XXXX XXXX was returned to me yesterday. It has an invalid mailing address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I A M SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
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 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

Experian should be closed down. I am at the end of my rope with them. I had some fraud through my bank and they recommended a freeze or fraud alert on my credit bureaus. I did this. In XX/XX/XXXX I was trying to trade my truck in for less expensive vehicle. Two different dealerships tried to help me get through to experian. The only options are to record fraud or order credit report. We tried for two months. I finally sent a  written request along with copy of my drivers license. Instead of someone calling to help I received a letter in mail about a month later telling me to send another request in writing and also include a copy of a bill. XX/XX/XXXX I applied for a card while at XXXX XXXX. Someone called and said they were from credit bureau and needed to ask me some questions to verify my identity. I received a card the next week. When I called to activate card I was told it had been cancelled by experian because it was reported as stolen and fraud. I was so furious. Not only did my credit get hit to open the account now it has a closed account. Closed against my wishes. Not one time did anyone contact me and ask if I opened this card. I am having trouble getting the card reissued. The only phone number anyone has for experian is XXXX. This number does nothing to help. I not only lost chance to trade in my vehicle for a more economical one, I had my card cancelled and am flagged with the creditor as fraudulent opening of credit card. I tried calling experian again this morning and recording said it could not help me at this time and hung up on me
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$10000.00}. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$2100.00} XXXX XXXX XXXX Balance {$870.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX 'XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX 2021
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, which has resulted in the fraudulent use of my personal information. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following fraudulent account and inquiry be blocked and deleted from my credit report immediately : Fraudulent Account : XXXX - XXXX - XX/XX/year> - {$7900.00} Fraudulent Inquiry : XXXX XXXX - XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER SEVERAL INVESTIGATIONS, EXPERIAN CONTINUES TO REPORT & REFUSE TO DELETE INACCURATE INFORMATION 15 U.S. Code 1681i - Procedure in case of disputed accuracy requires, ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if AFTER AN RE-INVESTIGATION under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material  On XX/XX/XXXX, a response from XXXX  ( XXXX XXXX ) for XXXX Smart Connect - Account # ending in XXXX - CFPB Case # XXXX-XXXX states in their response that " On XX/XX/XXXX, the above account was " charged-off '' and sold to " XXXX XXXX XXXX '' on XX/XX/XXXX. On my credit report, XXXX XXXX - Acct # XXXX is the debt buyer being reported for XXXX SMART CONNECT account on my credit file -- NOT XXXX XXXX XXXX. Based upon the response from the " original creditor, '' the information being reported under the name of XXXX XXXX is NOT my account and should, therefore, be DELETED. This matter has been repeatedly reinvestigated since XX/XX/XXXX until NOW and has caused substantial harm to my credit rating. I DO NOT WISH FOR ANY MODIFICATON AT THIS POINT. Clearly based upon the documentation by the original creditor IT IS ERRONEOUS. I WOULD LIKE IT DELETED IN ITS ENTIRETY.
Product: Checking or savings account

I am trying to get the money in my account transferred to another account. I don't know the password because my estranged husband won't tell me what it is. The people at the bank don't speak or understand enough XXXX to help me take care of this. I am ill and desperately need this money moved to my new bank so I can pay rent, buy food, etc. I've been trying to get this done for at least a month, but no luck. Aren't they required to hire people who speak or understand XXXX? 
I am XXXX XXXX XXXX and, as I said, ill. Aren't banks required to hire people so can communicate with their customers? 
I consider this exploitation or maybe even elder abuse!
Product: Vehicle loan or lease

I made a payment back in XXXX, overage I thought but it wasn't applied to my regular payment schedule as I thought it would be. 
Next in XXXX right before a payment was due, I lost a second job helping with my expenditures for the summer as I have been able to try and maintain since a separation of my husband and myself. ( XXXX ). 
One payment was placed to the rear of the plan and I was able to catch up. 
I have been reading a bit of the payment information online and how they can help in life 's emergencies. I found other employment in XXXX, but trying to get back on track has been/ is hard. 
What's unacceptable and extremely hard to take are the DAILY/NIGHTLY calls they make even if I've given my paydates and every attempt to keep them informed or pay something. 
I know the vehicles are GPS equipped ... but let me walk in my house first before you call. Let me have an evening to myself after XXXX. These type aggressive approaches aren't necessary and I don't respond to harassing aggression and overly negative tones the caller usually have. 
Next, my husband and I purchased the vehicle XXXX. I haven't had too many issues just some days floated past the agreed upon due date but paid non the less, just now with the employment break and finding a new one has put me behind a couple of payments and husband and I have separated again so no extra help. 
Just the practices and thought of them calling references ESPECIALLY after we've talked and I haven't left the area breathes impatient unwarranted harassment. References spoke to people ( family ) known. Nothing their responsible for. 
Please check into the XXXX, Texas, or XXXX XXXX, Texas locations, etc and see if we can reach a medium. 
Thank you.
Product: Debt collection

XXXX XXXX XXXX, XXXX Hours of Operation ( EST ) : XXXX to XXXX Mon-Fri., XXXX to XXXX Sat., XXXX to XXXX Sun. Company Address : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, VA XXXX Disputes : Call XXXX or write to : XXXX XXXX XXXX, XXXX, Disputes Department, XXXX XXXX XXXX, XXXX, VA XXXX Disputes E-Mail address : XXXX This company continues to harass, has contacted employers like XXXX XXXX XXXX in XXXX XXXX, VT costing me a job. While serving in the Vermont XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX this company held up my security clearance due to Account Number : XXXX Seller : XXXX XXXX XXXX XXXX XXXX. Merchant : XXXX Original Creditor : XXXX  XXXX XXXX XXXX XXXX. Creditor to whom Debt is Owed : XXXX XXXX XXXX, XXXX Current Balance Due : {$900.00} by paying XXXX or XXXX pay by mail - checks n payment to : XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, VA XXXX Offering Single Payment *pay {$310.00} and save {$580.00} if payment received by XX/XX/2018, this harassment has cost me several {$25000.00} to {$170000.00} XXXX   XXXX, XXXX XXXX, XXXX XXXX, it caused the lost of a relationship and XXXX  children. I want the harassment to stop, reported this company to the Vermont Attorney Generals Offices throughout Vermont, was serving in the US Military when then pulled an illegal court date while I was out XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. This is a case of identity theft, they keep doing this around certain dates of birthdays with men with our names, many with my name have been contacted and told about this debt, this debt goes from {$1600.00} to {$900.00} to the offer of 1 time payment {$310.00} to pay it all off. I have paid more than that amount, have lost well over the amount this company, these scam artist attorneys or they claim that while sending out threats to employers, friend, men with similar names and I want this stopped immediately please. This debt is insecure credit card debt and in no way after what I have tried to clear this debt and have lost will it ever get paid.