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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$240.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Consumer Loan

On line loan.. Every time I log into the website onto my dashboard, I would receive an email of adverse action stating that I applied for a loan on that date, the date i visited my dashboard, and that they were not able to refinance my loan, this has happened more than 3 times, at no time did I ask to refinance my loan, I did not give them permission to pull my credit report, this alone is a violation on their part, I still have the emails of adverse action in my computer, after checking for complaints with the XXXX I have found that I am not the only one who has experienced this. On top of this Avant holds all documentation, consumers are not emailed the documents concerning their loans ... interest is compounded DAILY ... There are deceptive and unethical acts practiced by this company. Every time I complain to the " customer representative '' about what happens when I visit my dashboard I get the response that it will be reported to their IT Department, do they even have an IT Dept?. No attempt to correct this is made on their part, all one has to do is just log in to their dashboard and this will happen as soon as one logs out. This company signs your name electronically to do this, They still have to have your permission to sign electronically, this is yet another violation. This is done even when you need to change your payment date and they talk so fast so that you can not understand what is being said even when you ask them to repeat it they again will talk fast that it sounds like words are jumbled together, this is deception. The times I talked to any representatives, this would be the reaction i would get. I am looking and will be pushing this into further action.
Product: Credit reporting or other personal consumer reports

I have discovered inaccuracies in my credit report in accordance with 15 USC 16c-2. This erroneous information is affecting my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I recently applied for a credit card from by bank. My application was rejected citing that I had no score and my credit was too new.

2. I received an email from Experian today ( XX/XX/2022 ) informing me that I no longer have a FICO credit Score from them.

3. I-asked why and the person I was speaking to explain why the company refuses to assign me a credit score.

4. All of my account listed with Experian are excellent payment and credit histories. Never late and no balances. They're all paid prior to their due dates, monthly.

5. Experian 's refusal to assign me a accurate credit score is damaging my ability to operate in commerce and denies my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX [ XXXX XXXX XXXX XXXX XXXX Re : Disputing error [ s ] on credit report Dear XXXX XXXX XXXX I am writing to request a correction of the following information that appears on my [ XXXX XXXX Experian XXXX XXXX ] consumer report : Dispute Account Number or other information to identify account : XXXX XXXX XXXX XXXX, reported balance {$810.00} Dates associated with item being disputed : [ XX/XX/XXXX Explanation of item being disputed : [ Insert a detailed explanation of why the information is inaccurate. Choose one of the choices below if it fits, or add your own description. ] The report shows I currently owe money to your company that is not accurate. 

I have no knowledge of an account with your company. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Reported fraudulent XXXX charges, they have been working on the case for 2 months now. Didnt provide any updates, I provided all the information they needed. They now say after 2 months since I called them that they cant dispute. I filed this within the proper time span.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts to reason with a bank that is unreasonable, and certainly capricious in its operational practices, I insist upon explanation as to the conduct of Santander Bank with regards to both the XXXX and HELOC, the validation of both accounts, and the errors that Santander Bank has made and failed to rectify since XXXX, XXXX with regards to all accounts between myself and Santander Bank.

It has been documented, supported and admitted that " Santander dropped the ball '' in the Autumn of XXXX ; however, in the process of my attempts to rectify and relieve myself from Santander Bank, I have been met with the greatest level of discourtesy, and certainly ( XXXX )/ ' business practices, that lead me to full and complete distrust of Santander Bank . IN the present, this is most evident in the rejection of payment in a letter from Santander bank dated XX/XX/XXXX with a return of funds equal to {$500.00}, and the refusal to place policy into writing regarding the payoff and expectations of performance by Santander Bank to me in advance of full payment. It is no wonder why Santander Bank has such a poor reputation ; however, to have found such letters of inteniion from Santander Bank online lends supportive evidence to distrust. Furthermore, a healthy suit to the tune of {$10.00} XXXX dollars due to Santander 's mismanagement of fraudulent behavior regarding XXXX is a fact that is inescapable. 
I particularly draw my attention to the poor behavior and indifference as received from XXXX XXXX, XXXX XXXX, and XXXX XXXX of the Santander Collections Department. 
Furthermore, the fact that a confirmation # XXXX on XX/XX/XXXX has never been responded to by Santander Bank. " Respect '' is the last word that should ever be associated with this bank, so much so that the XXXX XXXX XXXX PA Attorney General could not resolve the matter ( XXXX ). 

Additionally, as I understand it, the fact that Santander remains placing this " charge off '' on the record after this considerably lengthy time period is likely in violation of certain provisions of the consumer protection law.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, I went to XXXX XXXX Texas with the address XXXX XXXX Texas XXXX, XXXX, TX XXXX. I bought a Refrigerator for the amount of XXXX. I Have explain to the sales person that I wanted to pay this as soon as possible and I asked if the have any offer to pay with no interest, He have told me there is an option of paying in 120 days with no interest with American First Finance. When we make the agreement, he asked me for my debit card and also told me he will make everything ready for me so we will have automatically payment for approx. 4 month and also told that I don't need to worry about anything else. 
I never received the contract as apparently the sales guy wrote my email incorrectly. 
4 days ago I have notice that American first finance keep charging me monthly and I start to find put what is going on. 
So Sales guy make everything on the computer but he put a minimum amount of paying monthly. Now American First Finance is charging an amount of XXXX dollars for the refrigerator, 4 times the real cost. 
I have contacted an attorney and he told me my first step is to make a complain in here. 
I will attach the contract. 
also we have been paying so far XXXX to American First Finance .
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft accounts are not accurate and the accounts are not mines.they are damaging my consumer reports.
Product: Debt collection

I disputed the amount 2 years ago because ( XXXX/AdAstra ) they reported it during COVID when I was having financial issues and I had told them that. 

They then went and debited my account for this money in full ( {$3500.00} ), but it caused me to overdraft and then the money was reversed and I was charged an overdraft fee. I had to close that account and bank elsewhere. That was also illegal. But they did it. We had no food. I communicated my situation and then they overdraft me causing me more money loss and hardship in the middle of COVID.

They did this without consent and billed my old debit card for 2 accounts. One went through for a few hundred dollars. This one did not. They did not have consent on either. I had PAID this off in interest too. But the interest rate was SO HIGH it wasn't going down. So, they are really not out any money. It's predatory lending. 

Each MONTH they update the old debt and make it look like it is a current late payment. It shows this under " status date '' and " balance date '' and each month on the XXXX it is reported LATE again and AGAIN. I disputed it and they did it again. 
They won't stop. It's illegal and reading my debt. It makes this old debt look like NEW DEBT and it hits my score again and again each month. 

It has damaged my credit and this is OLD. It's NOT NEW It caused me to not be able to take out a Federal Parent Plus Loan, this past month for my for my daughter 's education because they have reported monthly to the credit bureau like it's a payment I miss montly, Federal loans say you can not have any new collections in 2 years. This was years ago but they have re-aged the account. They keep re-aging the account. 

Finally, just a few months ago they had to put the original date on the credit report. But still report monthly like it's a late account. This is OLD DEBT. And when they report late each month its doesn't matter they show XX/XX/2019 because it is still reported each 4 weeks to the bureaus. I have nothing else derogatory on my credit so because of this my scores won't go able XXXX. It is so upsetting. 

This is against Fair Debt Collection Act and illegal. Additionally, they call my cell when I told them to not call again. Most recently they have twice, again after I disputed this again with XXXX. They said they debt was current and it is not. It should be uncollectible as it is now too old. I live in CA. They have the wrong date also on this. It was earlier than XX/XX/2019. 

They should not be able to report to credit bureaus. They had my e-mail and have only been calling despite me telling them to never call again. I have screenshot of one of recent calls from a XXXX number after XXXX XXXX at night. It is harassment and they have raged my account monthly for 24 MONTHS since they started reporting this!!!!
Product: Debt collection

I specific told them please do n't call my family member for my personal debts account, they call my brother and told them I must called them back regarding my debt and the amount, my brother told them they had the wrong number and to contact the right person but instead she kept insisting to give my debt information.
Product: Consumer Loan

I am a veteran and have sought out VA Home loan financing. I was advised because GE capital retail bank is reporting a Walmart charge off collection account in my name and so is SYNCB/Walmart reporting the same account as a duplicate that my credit score has dropped significantly so the funding has been suspended till this error gets corrected. I called Syncb bank # XXXX manager XXXX XXXX. I was told that GE and Syncb is the same company they just changed there names to Syncb. I was advised that they would be submitting a e-oscar to delete the GE capital collection trade. Today XXXX/XXXX/2016 when I called to follow up I was told they were n't doing anything and that the duplicate reporting will stand.
Product: Credit card

Dispute number XXXX Attached are the evidence for this dispute case. 

XXXX, the phone operator can not understand XXXX language, as in literally. She could not even write an error free XXXX sentence. The call lasted over one hour, only to lodge a simple dispute. I have concerns over the notes XXXX has put in the dispute case. I want to immediately discuss my dispute case and the attached notes over the phone with the executive office of Capital One.
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 Number : XXXX Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX 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.
Product: Credit reporting or other personal consumer reports

I am writing this letter as my third attempt to dispute and rectify the inaccurate negative items listed on my credit report with XXXX and Experian. Despite my previous disputes, these errors remain unresolved, and it is unacceptable that you have failed to act accordingly.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXXXXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 4. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation TARGET/TD Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 6. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 7. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 9. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation MIDLANDCRE Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Product: Credit card

My husband, XXXX was seriously injured in an accident on XXXX XXXX, 2016. He is still recuperating from the resulting XXXX and other injuries and has been unable to work. We do not have the funds to make full payments on our accounts at this time. We are currently working with XXXX XXXX XXXX XXXX, a non-profit agency in our home town. XXXX is not charging us any fees. All our other creditors have been willing to work with them and we are making payments to keep those accounts current. Chase has refused to work with the XXXX, saying they ( the XXXX ) are a " Debt Settlement Company '', even though we 've been trying to set up something with them ( Chase ) since shortly after the accident. Even when I called directly to try to negotiate, Chase refused to speak to me, and instead referred me to XXXX of their Credit Counseling Referral Lines. Although the initial recording said I would hear a list of agencies serving our area code, my call was immediately transferred to someone who identified herself as " XXXX '' at " XXXX XXXX XXXX XXXX. '' XXXX stated that she was in XXXX and did not have offices in XXXX. XXXX boasted that XXXX XXXX was XXXX of only XXXX credit counseling agencies that Chase refers customers to. Without knowing any of our personal or financial information, XXXX right away offered XXXX solution which she called " XXXX XXXX XXXX '' where XXXX XXXX would make our payments for us and charge us a {$50.00} setup fee and up to {$55.00} per month fees on top of what we owe to our creditors. Why would they refer us to a company that sounds exactly like the type of service they are warning us against? I do n't understand why Chase would refuse to communicate with the local non-profit agency who are already helping us and instead coerce us to deal with an unknown " debt management service '' that will charge us setup and monthly fees on top of our debts. Chase is in effect creating a monopoly by referring us to XXXX of their in-house credit counseling agencies, which will cost us to use, generating more income for the Chase brand. Additionally, the " negotiated settlement '' payment is actually higher than the minimum payment we 've been billed. Our other creditors have already worked with XXXX to help us set up hardship payment plans. Chase 's refusal to cooperate with us is causing undue stress. Please respond quickly to help us resolve this situation.
Product: Mortgage

My mortgage holder 5/3 bank erroneously paid the ( previous home owners insurance company ) with my Escrow account resulting in {$1200.00} shortage in my account. I had paid my insurance in full for the year prior to them dispensing funds from my escrow account to someone else 's account. This has raised my house payment an additional XXXX per month. They also failed to pay my property taxes and I have receives a tax lien/ sheriff sale threat against my property from the County Treasurer. I have been trying for months to get the resolved by 5/3 and the Manager will not even return my phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to this company seeking that they validate the debt. They have failed to do so. This company sent 1 statement which does not itemize the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports.I have contacted this company as well as the credit bureaus ( XXXX, XXXX, and XXXX ) seeking debt validation ( see attached ). This company continues to report this inaccurate, erroneous item to the credit bureaus. Why are they reporting that this account has terms of 1 month. Where is the proof that I agreed to terms of 1 month with this company? This company is violating my consumer rights as well as the mandates of the FDCPA.
Product: Credit reporting or other personal consumer reports

An unauthorized " New Credit Inquiry '' from or at the " XXXX XXXX XXXX XXXX XXXX '' was made on XX/XX/2024 I have contacted XXXX, XXXX AND EQUIFAX and made filed a fraud alert with each of these credit reporting companies.
Product: Mortgage

When going to pay my mortgage today I was told I could not make a partial payment. My partner and I have been making partial payments ( half and half ) on this exact mortgage for over two years since their online services were so messy. Now I'm told I have to visit a branch to make a partial payment ... I live in Iowa, there are no branches here. 

Previously, in XXXX of 2021, they accidentally double charged me and resolved it by wiring back in the second payment, incurring a {$10.00} domestic wire fee with my bank. After multiple attempts to be reimbursed for this charge, the bank has continued to do nothing to fix it. This has been an issue since XXXX.