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

Remove All Inaccurate Information from my Credit Reports. ( Warning!!!! ) I received a copy of my credit report and found you are reporting incorrect information to the credit bureaus!! 
Under federal law, as a furnisher of information to consumer reporting agencies, you must conduct a reasonable investigation of my dispute and you must complete this investigation within 30 days of receipt of this letter. I demand that this information be investigated and either verified or removed from my report. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general. ( You Have Been Warned!!!! ) Please send me confirmation the information has been removed from my credit files ASAP!!
Product: Debt collection

On XX/XX/2021, a Collection Account came up on my credit report saying I owe XXXX XXXX {$1700.00} for an account I have no affliation with. I have a personal XXXX account which I have never missed a payment on. This account was attached to my credit report by Squium Asset Solutions. I have looked up the reviews for this XXXXection Agency and this type of scenerio is happening to a lot of people. They put a fraudulent charge to your credit with hopes you will call them to pay it. This is slowly ruining my credit score. I have heard if you call them directly, they will somehow make the situation worse for you. I have filed disputes with all 3 credit bureaus ' but have not heard the results yet. Please help me resolve this and have my credit restored to which was near perfect prior to this situation. I'd like to bring down Sequium in the process and will do whatever it takes to help with that.
Product: Checking or savings account

On XX/XX/2021, opened a new checking and saving account, in connection with a promotional offer where a {$300.00} opening account bonus was said to apply if a balance of {$15000.00} was deposited within 30 days and maintained for the next 60 days. The first condition was met on XX/XX/2021, and the second condition met on XX/XX/2021. Despite having met the requirements, the new account opening bonus has not been paid.
Product: Consumer Loan

I wish to file a complaint and request a investigation of practices of Santander Consumer USA of Texas. This organization has no control of its representatives nor its vendors. The # of complaints regarding this bus business are beyond count and indicate a clear pattern of mistreatment of Consumers. XXXX
Product: Credit card or prepaid card

To whomever it may concern. 

I acquired the Chase  XXXX credit card about a year ago. The card comes with a {$45.00} annual fee which I figured is worth it for the free annual night that the card gives. 
The problem is that when I got the card, the free annual night eligible to be used at any XXXX property, but now the criteria was changed and it can only be used towards a hotel up to the value of XXXX points. 
This is very upsetting considering the fact that first of all, I was unable to use my free night yet, and I was really looking forward to having a nice vacation in an XXXX property of my choice. But now that my choices are more limited, its very frustrating because this is not what I signed up for. And second of all, To change any policy while having customers already enrolled I think is very bad customer service, and not fair at all. 

I am not sure now if I will continue my relationship with this card. 

I hope that my dissatisfaction will be taken to heart to have the policy changed back. 

Thank you for your time
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate information on my credit profile. They are remaining late payments as XXXX XXXXXXXX XXXX  days late, OXXXX XXXX XXXX days late, XXXX XXXX XXXX days lateXXXX XXXX XXXX XXXX days late, XXXX XXXX XXXX days late and XXXX XXXX XXXX days late. 

A late payment can not be reported as 120 days late in XXXX of XXXX and then reported as 90 days late in XXXX XXXX That is inaccurate reporting and a violation of my consumer rights. 

Per consumer law- 15 U.S. Code 1681- Congressional findings and statement of purpose. Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Credit reporting

There is a child support on my experian credit, which is the wrong information because i have never in my life time had to pay child support i think they may have mistaken it with my son they need to check social security number more closely.
Product: Checking or savings account

In moving documents from an office space that I used to occupy to my home office, I found stub to a Wells Fargo cashiers check payable to me from XX/XX/2017. I had accounts at Wells Fargo at the time but never received the check in question. I have now asked a banker at the Wells Fargo XXXX XXXX. XXXX branch, XXXX XXXX, to provide me with information on the amount and disposition of the check now on three occasions. Getting absolutely nothing from Mr. XXXX ( actually telling me that the check stub was only a piece of paper and asked to leave his office ) I solicited the same information from XXXX XXXX at the nearby Wells branch at XXXX and XXXX and have received no feedback from him either.
Product: Credit card

I sent you a complaint, they responded they were expediting a check. No check received. Sent email to them last Wed for tracking, no response. Sent email Fri for estimated delivery date, no response. Please do not close the case until I get reimbursed. This company is highly unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

As stated in the HIPAA law section 1681b ( g ) ( 4 ) you are not allowed to disclose any of my medical information this is clearly a violation to my privacy. I would like this be taken out of my credit report immediately. I reserve the right to sue your company for violating of my consumer rights as indicated under both the FDCPA and the FCRA. I will also seek damages from you if warranted. 

XXXX. They are not complying to my request to validate the debt. Also, they have failed sending any documentation bearing my signature that I have legal obligation to pay them. The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) states that you are required by federal law to send the wet ink contract bearing my signature you should send to me the original signed contract 2. They are Identifying me as Mr. XXXX on their response, My name is : XXXX XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX XXXX. FDCPA Section 807 ( 8 ) You have failed to validate the debt, this is misleading/false reporting. It must be remove from my credit report right away. 

XXXX. The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611 ( A ) ( i ) promptly delete the item if the information is found to be inaccurate or incomplete or can not be verified. You must request the credit reporting agencies to remove inaccurate and incorrect information and delete it from my credit report IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX have taken over XXXX business days after I notified them of alleged identity theft. The date of receipt was on XX/XX/2024. I sent certified tracking to make sure : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX I am requesting for the block and delete of the affected accounts on my consumer report. I have already provided the following : ( 1 ) appropriate proof of the identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information; and ( 4 ) a statement that the information is not information relating to any transaction by me. This is not an error on my part to block and delete this information. I never gave consent for my information to be shared or used with these accounts. There is also no material misrepresentation of fact by me, the consumer relevant to the request to block. I am in urgent need of my consumer report to be corrected asap and am exercising my right under 605b. Please comply with my rights as a consumer. I am a business owner and consumer and you can imagine that this can be damaging to me if this persists.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 the collection company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX  send me to collection for a bill of {$480.00} from XXXX XXXX, account # XXXX that was not paid. I never lived at the address where this account was opened and I never open this account. I contacted them about this charge and they acknowledge that was not mine. I disputed this with all XXXX Credit Companies all of them removed this from my credit file back in XX/XX/XXXX. But this keep showing up on my XXXX Credit report. This been happening for the pass couple months and I'm getting tired about this charge.This is a new collection Co trying to collect the same account and this charge keep showing up on my Experian Credit report. This been happening for the pass couple months and I'm getting tired about this charge. I will appreciate that Experian remove this from my credit file permanent. Thank you.
Product: Credit reporting or other personal consumer reports

I had a Federal Perkins Loan while attending XXXX XXXX XXXX 

I became XXXX with life-ending conditions. I submitted a Total and Permanent Discharge to XXXX which was approved on XX/XX/2023. 

XXXX sent notification to XXXX XXXX XXXX for they and University Accounting Services were handling the Federal Perkins Loan. 

XXXX and XXXX received notice from XXXX on XX/XX/2023 notifying them that a TPD discharge of federal loans had been approved and to 1. Discharge the Debt on their end or 2. Return the loan to XXXX and they would discharge it themselves. 

Because of various complications, this item has been appearing/disappearing from my credit reports for 6 months, and every time it reports my credit score plummets. Sometimes it shows the account open, sometimes closed, other times with many, many negative/derogatory marks, sometimes in deferment ( which it isnt ), its discharged. 


As of today, XX/XX/XXXX, I was notified by the CRA that I had a series of seriously delinquent late payments on my report. 

I have 5x120 day lates, multiple 30, 60, 90 day lates as well. 

Ive tried taking care of this matter but it seems futile. 

My health is extremely poor, and I have XXXX XXXXXXXX including an XXXX which will at some point XXXX XXXX XXXX  suddenly. 

Im not asking for sympathy, but perhaps some empathy. My credit reports and scores are the first thing Ive been waking up to everyday, and its the worst feeling ever.
Product: Credit card or prepaid card

Hello Citi World - Wide, I am suffering from Bereavement from the Homicide of my mother and I was diagnosed with XXXX after being a victim of ongoing hate crimes created by XXXX, XXXX and Department of Education Scams which misinformed my XXXX XXXX XXXX and United States XXXX XXXX XXXX at the Time, I would like to know what remedies as far as XXXX Discharge you may offer in times of hardship such as I experienced upon having to live on my own after 2 years at Private University and being under paid by my bosses by atleast XXXX or XXXX thousand dollars a year, also I will advise you I have had to represent suing multiple of your companies for Felony Charges after I was XXXX by a XXXX XXXX  and Members of XXXX  making any sort of agreement to be impossible between us, I need to know if the credit amount has been discharged or if it has been sent to another company to handle.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A PayPal credit card was fraudulently opened in my name and appeared on my credit report. It was issued through Synchrony Bank/Paypal . I have never used PayPal. This is a case of fraud and police report is being filed today. Neither PayPal fraud department or Synchrony bank have been of any help with this situation at all, and they both informed me that it was not their problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  US Dept ED # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

We purchased the house, the lending company we got the loan through gave the wrong contact information to the insurance agency. They say they tried to contact my wife who was not the borrower on the loan, I was. I was never contacted about a dangerous dog form which led to them cancelling my insurance policy in XX/XX/XXXX. I never received notice from the insurance company or the mortgage company that my home insurance cancelled. The refund check for the insurance was stolen and my signature forged. The mortgage company sent me a letter in XX/XX/XXXX ( 8 months later ) saying that I had no insurance and were back dating and retroactively placing force placed on my house. my initial policy for the year was {$1100.00}. The mortgage company 's force placed policy was more than {$4000.00}. I have explained, and the insurance agency even wrote a letter describing my circumstances and asked for them to waive the insurance policy since the insurance was not used because no damage or claim was filed and they refused. the lending company, the insurance agency, and the mortgage company all three are not taking responsibility for the mishandling in the situation which caused me to incur such a huge increase in charges, and also the extremely over priced force placed policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

Got a call from a stranger ab out 2 weeks ago saying  that he can view all my business account information. I thought that it was just a scam but then he emailed me screenshots with all the transactions I have but under his login page. The I called Bank of America and after talking to the customer service for more than an hour, they finally found that my account is " mis-linked '' to someone that I have never met before!!! The lady told me that the case will pass to   " Privacy Department '' and they will investigate and get back to me soon.
As you can guess by reading this message, nothing has happened. All of my account transactions are  XXXX  in f  ront of someone I did not authorize to is bad. What 's even worse, that customer service lady is longer taking/returning my call despite of the few follow-up messages I left for her in the past few weeks ...
Product: Credit reporting or other personal consumer reports

I entered into a repayment plan with XXXX XXXX as part of an agreement to bring the amount due to XXXX. 

The payments were done monthly as a agreed via my XXXX Account. 

In total the agreement was 48 monthly payments. 

XXXX payments later, or XXXX months before the account was to be paid full, I received notice that my account was now in collections. 

I contacted XXXX XXXX and indicated that I was just XXXX months away from paying the account off in full, and they agreed by phone to continue accepting the payments and then to report it as such-and in good standing. 

I noticed on my credit report that it has been listed as settle for less than paid in full, last month. I contacted XXXX XXXX to inform them the account was paid in full as agreed and the representative told me she would update the account accordingly. 

I also filed a dispute with the XXXX credit bureaus regarding the incorrect reporting by XXXX XXXX. 

Now on my credit report is has been updated to a charge off. When I paid as agreed. Have proof of payments via my XXXX statements, and an email from XXXX XXXX indicating successful receipt of payments. 

It's unfortunate and disappointing how XXXX XXXX went about doing business. Even more so, to lead clients on regarding payment plans and credit reporting when done as agreed to then give the harshest report when it was repaid as agreed. 

It is not worth the effort to negotiate a full repayment with XXXX XXXX if as agreed it is identified as a charge off. It's best to not repay, let it go to collections and then offer to settle at pennies on the XXXX-for the impact a full repayment plan listed as charge off can impact your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX FST XXXX  XXXX XXXX COMM XXXX XXXX XXXX XXXX FIN XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX SER XX/XX/2021 XXXX CARDS XXXX XX/XX/2021 XXXX SER XX/XX/2021 XXXX CARDS XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Debt collection

Both accounts were opened fraudulently. I was XXXXXXXX in an Illinois state XXXX  XX/XX/XXXX thru XX/XX/XXXX Case number XXXX. Due to These fraudulent accounts reporting, I'm unable to move forward in life. Also, unable to compensate the amount. My identity was stolen while incarcerated I have no Knowledge on how. I'm Requesting these Accounts be removed. 

Navy Fed card XXXX - XX/XX/XXXX amount {$16000.00} Navy Fed card XXXX - XXXX XXXX XXXX amount {$830.00}
Product: Mortgage

PLEASE BE AWARE MY PHONE NUMBER IS NOW XXXX. THE XXXX NUMBER IS NO LONGER IN USE. 

My home had a hailstorm claim from XX/XX/2023. I was in the process of trying to find out what remaining items a insurance claim check were required. At the start of the call, NewRez ( servicer ) has an automated " your call is being recorded for quality and training purposes ''. I, too, used my XXXX 's call recording function. As Michigan is a two-party state, I disclosed that I, too, was recording the call for my own quality and training purposes. Actually, to make sure I had a record equal to theirs to track the status of a {$12000.00}. This claim started prior to NewRez 's taking over servicing and was following the prior company 's process. 
The Customer Service Representative ( CSR ) demanded I stop recording or he would hang up on me. I told him I would not and need to speak to his supervisor. The call was XXXX of my trying to move past the demand that I stop recording while his was allowed to continue. At the end, he hung up. 

Currently, they have an unendorsed check ( attached ) and I have no idea what the status is. I called a second time to another party. That call just dropped. A callback came during a third attempt. I dropped the third attempt to return to the callback ... which dropped. 

I never got the customer support question answered and they have an unendorsed check for {$12000.00} sitting in their possession which I need to pay off the repairs already started and nearly complete ( exterior painting ). 

One last thing : The links from their correspondence - that should let you link into the portal- are broken ( see attachment with broken link ). 

Loan # XXXX Claim : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/20 I sent a letter to Equifax and XXXX  regarding failure to respond deletion regarding account XXXX XXXX   and as of today neither company has responded nor provided proof of this debt