23daVinci/CFPB_Complaints huggingface dataset:
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 confidentiality under 15 USC 1681. 
Account name : XXXX  XXXX, Account # : XXXX Account name : # XXXX XXXX XXXX. Account # : XXXX Account name : # XXXX XXXX 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 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; CHILD SUPPORT ENFORCEM 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 XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company STATE EMPLOYEES CRED U account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$8800.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an entry on my credit report associated with XXXX XXXX XXXX. The account in question reflects a " charge-off '' status, and I believe this entry is inaccurate and must be removed under federal and state laws, as outlined below. 
According to my understanding, when XXXX XXXX XXXX issued a charge-off, they declared the debt as a profit or loss for their accounting purposes. In such cases, the creditor is required to issue a Form 1099-C ( Cancellation of Debt ) to the debtor if the amount forgiven exceeds {$600.00}, as per the Internal Revenue Code Section 6050P. However, I have never received a 1099-C form from XXXX XXXX XXXX. The absence of this document suggests that no true cancellation of debt occurred or that the reporting requirements were not followed. 
Furthermore, under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, it is mandated that information reported to credit bureaus must be accurate, complete, and verifiable. Since XXXX XXXX XXXX has not provided a 1099-C, the charge-off entry on my credit report can not be considered accurate or complete. 
Additionally, some state laws require creditors to notify consumers of their intent to report charge-offs to credit reporting agencies and to ensure proper documentation of any debt cancellations. Given that no 1099-C has been issued, this entry may also violate relevant state laws concerning accurate debt reporting. 
I kindly request that XXXX investigate this matter promptly. Specifically, please contact XXXX XXXX XXXX to verify the validity of the charge-off entry and request proof of the issuance of a 1099-C. If XXXX XXXX XXXX can not provide the required documentation, I urge XXXX to remove this inaccurate entry from my credit report. 
As per the FCRA, I expect a resolution to this dispute within the legally mandated 30-day period. 
Please notify me of the results of your investigation in writing. 
I have attached a copy of my credit report highlighting the disputed entry, along with copies of my identification and proof of address, to facilitate your investigation. 
Thank you for your prompt attention to this matter. I look forward to your confirmation of receipt of this dispute and a thorough resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below listed INQUIRIES and COLLECTIONS by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Equipment Leasing Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XXXX XXXX, XXXX XXXX XXXX Bank  Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX XXXX Complete Department Stores Inquiry date : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Complete Department Stores Inquiry date : XX/XX/XXXX Collections Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1400.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$0.00} Balance updated XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed via certified mail of several documents on XX/XX/XXXX to XXXX  disputes. Included with documents were a copy of my driver 's license. This dispute is regarding the 2 fraudulent bankruptcies reporting on my credit report that I have never filed. XXXX & XXXX, filed with the XXXX  Tennessee  Bankruptcy  Court filing dates are XXXX & XX/XX/XXXX. I have a current XX/XX/XXXX XXXX report that does not show or list these bankruptcies in my file, yet I'm being told on XX/XX/XXXX, my most recent credit report by XXXX  stating, bankruptcies have been verified as accurate by XXXX. I've also received a recent letter from XXXX, stating, my documents were received, however there were no indentifying document regarding my identity, so they have disposed of the documents that I submitted. The date of this letter from XXXX  was XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bureaus have taken longer than 45 days to properly investigate my complaint and remove erroneous information from report. This is Violation of the FCRA.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

On XXXX XX/XX/2022 I received an email notification from XXXX that an application was submitted in my name to establish a credit card with Bank of America, I did not make this application. I contacted Bank of America and reported this application as fraudulent. Bank of America assigned a case ID number. From my conversation with Bank of America it would seem someone has at a minimum my date of birth, name, previous addresses, and previous phone number.
Product: Payday loan

A debt collector called and said that they are collecting from a pay day loan company that we owe money to. We informed them that it was paid off years ago and they said it was not. They said that if we give them our debt card number that they would only charge us for a smaller amount rather then the whole thing. We said no and that is when all XXXX broke loose. He told us that he was going to take our car, license, bank account, house, everything. He also gave names and phone numbers of everyone in my family and said that he was going to call all of them. He did and used different names and different debt reasons. He also said that he has had people fallow us and has surveillance of everything we have done over the last 4 years. At this time we hung up and as soon as we did he call my father, mother and sister. At that point I called FTC and they had me talk to the FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has told me that my identity has likely been compromised because of their service 's improper handling of my credit information. I am not willing to give up my legal rights in exchange for their freeze/monitoring offer. I should not have to give up my right to sue for damages in exchange for these services.
Product: Debt collection

I have sent several factual disputes to each bureaus informing them of the inconsistencies and violations of the FCRA with how this account is reporting on my credit profile. It is my understanding that the FCRA requires that all credit bureaus are reporting the same information across the board, and that information has to be consistent, if not its a violation. Theres several violations with this report such as, the inconsistent date is open, stating the account is not being disputed when it is, Transunion reporting this account as open and XXXX and XXXX reporting it as closed!
Product: Credit reporting or other personal consumer reports

There are numerous credit inquiries that I did not authorize on all three credit agencies XXXX, Equifax, and XXXX. I have attached a fraud report with all the listed credit inquiries in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 USC 1681 a number 3. You assumed this role without permission not only that you did not have my consent. Under 15 USC 1681 a number 4. You did not exercise your grave responsibility you were unfair, you were partial and you did not respect my right to privacy. You never had a permissible purpose Under 1681 b number 2. I never instructed you to furnish this report or to create this report. I never consented to this report in the first place. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX : 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 a account without my written instruction. Please delete the late payments of XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017 and report that my account is paid satisfactory as my rights have been violated.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address multiple inaccuracies in my credit reports across Experian, XXXX, and XXXX. These inaccuracies stem from identity theft, which has resulted in fraudulent accounts and derogatory information being reported under my name without my consent or knowledge. Despite prior disputes directly with the bureaus, the inaccuracies remain unresolved, prompting this formal request for assistance from the CFPB. 

Accounts in Dispute : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX Santander Consumer USA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : XXXX Account Balance : {$15000.00} It is apparent that you have overlooked or ignored my request to settle the above mentioned account. The settlement letter was sent XX/XX/20 via certified mail with the tracking number XXXX XXXX XXXX XXXX XXXX XXXX. Per USPS this letter was received by your company. I have taken the liberty to attach the original letter, a second notice for settlement, as well as a cease and desist letter to this complaint. My first settlement letter specifically states that I am to be contacted by mail only however, your company has chosen to ignore that request. I am more than willing to join the many participants who have taken legal action against Santander Consumer USA for call violations. This is my last attempt to inform Santander Consumer USA of the option to settle this alleged debt. Please see my responses that I have attached. I will again remind Santander Consumer USA that the only form of communication between myself and their company is to be had via CFPB Portal or mail. Please do not overlook this communication. If you do I will assume that the alleged debt that your company is associating with me has been forgiven.
Product: Student loan

AES is reporting I am 90 days late on my credit reports when clearly on XXXX XXXX XXXX 's website it states that all student loans are suspended at this time. This is harming my credit and credit score. 
Student Loan Payment Pause Extended Through XX/XX/XXXX On XXXX XXXX, XXXX, the U.S. Department of Education ( ED ) extended COVID-19 emergency relief for student loans through XX/XX/XXXX. The emergency relief includes the following measures for eligible loans : a suspension of loan payments a 0 % interest rate stopped collections on defaulted loans Have questions? Find out what loans qualify and get additional information about the COVID-19 emergency relief for student loans.
Product: Credit card or prepaid card

I spoke with a customer service representative in Mid XX/XX/XXXX about the excessive fees charge to my account, and she said that she removed about {$70.00} from the account and I paid off the balance in the card. Yesterday, XX/XX/XXXX, I received another bill with a balance of {$140.00}. When I called the company another customer service representative told the previous representative did not or could not really do that even though the transaction was noted in my account. He practically told me I have to pay about {$200.00} fees into my account. Second the company added a fee to the account on XX/XX/2019 when I received the bill on XX/XX/2019. 
In XX/XX/XXXX, not certain of the date another customer representative told me the same thing.
Product: Checking or savings account

I had a checking account and savings account with E TRADE Financial and after setting up direct deposit with my employer and funds were available in my checking account, E-Trade Financial placed a block on my account and asked me to send in documents to verify my identity to release the block on my account. After sending in requested documents over and over again, because everytime I'd call in to check status of my account a new representative would ask me to send in the same documents over and over. Finally after calling for several weeks I was advised that my accounts have been closed and at first I was advised that I would not be able to access my funds. Then after escalation I was advised again to send in the same verifying documents to be able to change the account to withdraw status only so they could send me a check of the balance in my account. I called again on XX/XX/23 and the rep that I spoke with again stated that he is unable to locate any of the documents I've sent in and I would have to send them in again. I've been going on over a month now where I have not been able to access the funds in the account that are from my employer. This has tremendously impacted my life in many different aspects as well as causing me to become late on most of my bills because of not being able to access my funds that I worked hard for, because E-Trade has a block on my funds. Everytime I call in the reps never seem to no what's going on based on notes on the account or able to find the documents that I've submitted more than enough times to verify my identity. I desperately need assistance in being able to access my funds in the account whether that's via a check or allowing me to use the debit card one last time to withdrawal the funds. I am very close to losing everything because of not having access to my funds
Product: Mortgage

Hello, The following are the details for the complaint : On XX/XX/XXXX we closed escrow on our primary residence home located in XXXX XXXX, CA Our mortgage broker XXXX XXXX ( XXXX XXXX XXXX, broker XXXX # XXXX, XXXX  # XXXX, Direct : XXXX, XXXX ), included a {$1800.00} charge for interest points that we did not authorize and before signing the escrow / mortgage closing documents, stated that the funds would be reimbursed during the week of XX/XX/XXXX. 

On XX/XX/XXXX XXXX sent us the following email communication stating that the funds would not get reimbursed until the end of XX/XX/XXXX : " As mentioned through our text communication there is a refund due of {$1800.00} to you. I had initially said it would happen this week after recording however, the due date has been changed to XX/XX/XXXX because it has come to my attention that investors are increasing occupancy audits of the files they are funding. If they find discrepancies that can not be resolved, brokers need to repay their full commission. Investors have 180 days to complete these occupancy audits. 

Therefore, if I were to reimburse you and they find an occupancy discrepancy, I would have paid you to do business with me.

I have had 6 audits so far this year with no issues, but since new material has come to light, I need to be sure I will not end up in the negative. 

As I know this is not what we both want, I need to be sure everything passes and there are no issues with my commissions. 

Please mark your calendars and your check will be paid out promptly assuming all is in order after XX/XX/XXXX. Thank you for your understanding. '' We have since further communicated with XXXX and her position is that she will not reimburse the expenses until we move into the property Would appreciate your help! 

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

Regardless of the multiple written requests, the ACCOUNTS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file : 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: Vehicle loan or lease

I used Santander Consumer for a car loan. 

My payments were roughly {$460.00} a month, in which i was paying {$500.00} a month. {$250.00} on the XXXX and {$250.00} on the XXXX. 

They wouldn't process my payment until after the XXXX claiming I was paying my payments late. 

Multiple times the company filed towards my credit that my payments were between XXXX and 90 days past due when they were not. 

The company also never called me but said they called some other number to contact me that I've never heard of. 

In XXXX I paid off the car and the manager there said she was going to fix all the negative remarks that went towards my credit.

Instead even after the car was paid off they filed that my payment was 90 days past due.

Over the period of almost 5 years that I had this car loan Santander Consumer has ruined my credit.

My credit score was almost XXXX again and now even after the car is paid off my credit is at XXXX making it impossible to get a home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a XXXX XXXX resident since year XXXX, and have been at my current address since XXXX. Someone who carries a fixed XXXX, TX address opened or constantly tried to open credit cards in my name since XXXX. This person repeatedly accesses and modifies personal information on my credit file from all three credit bureaus, online, by phone or by mailing fraudulent documents to the credit bureaus. 

Despite all the tremendous efforts I have made by filing police reports, filing FTC reports, calling creditors, calling and mailing to all three credit bureaus to dispute and add security measures to my account over the past years, in XX/XX/XXXX, this same person was able to have a few creditors access my credit report from TransUnion, and have one creditor leave a hard inquiry on my XXXX report. Upon being notified by credit monitoring services regarding these un-authorized activities, I called TransUnion to report and to get the issue resolved. As the result TransUnion added a new security question when someone phones in to try to unfreeze my credit report, while locking my online access. XXXX on the other hand explained to me that the recent hard inquiry was an attempt only and it can be removed when requested documents are provided to them. I hope my credit reports can stay secure however it will not surprise me if the fraud happens again.