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

I filed disputes on several different dates for Santander Consumer, XXXX, and XXXX XXXX  card. These items were removed once before and now they reappeared on my report. Items are incorrect and talked to XXXX and they stated they will be removed again. Now items are keep updating to the current date. Items should have been removed and they are bringing my scores down tremendously.
Product: Checking or savings account

Citibank NA wrotena letter to me they will be closing both my checking and savings account on XX/XX/2021. I have called several depts and their XXXX dept but there is no reason being given on why my accounts are being closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the companies listed have violated my rights. 

XXXX XXXX Account # XXXX Reporting to Experian and XXXX Only! They are violating my rights! 

XXXX XXXX Account # XXXX Reporting inaccurate information to all 3 credit bureaus. Reporting different amounts and dates! They are violating my rights! 

XXXX XXXX XXXX XXXX  Account # XXXX Reporting inaccurate information to Experian and XXXX ! They are violating my rights! 

XXXX Account # XXXX Reporting to XXXX XXXXnd Experian Only! Violating my rights! 

XXXX Account # XXXX Reporting to XXXX  Only! Violating my rights! 

XXXX Account # XXXX Reporting to all 3 credit bureaus! Violating my rights! 

XXXX Account # XXXX XXXX to XXXX  Only! Violating my rights! 

XXXX XXXX Account # XXXX Reporting to XXXX and XXXX Only! Violating my rights! 

XXXXXXXX XXXX XXXXXXXX Account # XXXX Reporting inaccurate information to Experian and XXXX XXXX They are violating my rights! 

Untitled {, Collection/Chargeoff, Consumer disputes this account information Medical Subject has not satisfied debt. } Account # XXXX Company is untitled and does not have a name! Reporting to XXXX OnlyThey are in violation of my rights! 

Untitled {, Collection/Chargeoff, Consumer disputes this account information Medical Subject has not satisfied debt. } Account # XXXX Company is untitled and does not have a name! Reporting to XXXX OnlyThey are in violation of my rights! 

XXXX XXXX XXXX Account # XXXX Reporting inaccurate information to Experian and XXXX XXXX They are violating 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 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this, as well as this incorrect information on my personal profile but still youre not taking any actions. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. Please find the ATTACHED of identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge off and collections, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, NY XXXX, XXXX XXXX  XXXX  XXXX XXXX NY XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was paid in full on XX/XX/XXXX however the account status with XXXX is still incorrectly shows charge-off. I have disputed this twice, the most recent updated on XX/XX/XXXX, and only the remarks have been updated to show account paid for less than full balance, paid charge off. I would like for XXXX to delete this misinformation from credit report or update it paid in full.
Product: Credit card or prepaid card

I entered my new mailing address on the bank ; s website, but it rejects it as invalid. I tried doing so several time over many days. But, the USPS delivers my mail to this new address, and all other entities had no problem updating my address. Customer service states that the data base the bank uses rejected it because my new address is not in the data base the bank uses. Clearly, the bank is incompetent. I no longer receive statements and can not use my card because of this. The bank 's cavalier attitude is not in the public interest. Its IT executives should be fired!
Product: Credit reporting or other personal consumer reports

XXXX is reporting inaccurate information on my consumer report. They are also reporting medical information which is prohibited by the FCRA. I am a consumer, and I don ' t have an account with these following companies as defined under 15 U.S.C. 1681a ( r ) ( 4 ). These accounts : Merchants & Medical, and XXXX XXXX  XXXX need to be hard deleted from my file immediately as they have no permissible purpose to do such, also the inaccurate reporting of these accounts have caused me harm and injury to my credit reputation. These accounts were previously disputed and XXXX failed to conduct a reasonable reinvestigation and update my account to maintain the maximum possible accuracy of information as the FCRA requires.
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 XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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

Unfortunately, I am a victim of identity theft.
Product: Credit card

I had fraud in my card for more that {$1000.00}. I reported this immediately but they charged me anyway. Never sent me a replacement and never contacted me back. The fraud was clear but citi is not taken care of this. Customer service on the phone is not supporting.
Product: Vehicle loan or lease

I was in a accident XX/XX/XXXX, I was hit going to my daughter apartment. XXXX XXXX totaled the XXXX XXXX XXXX XXXX. I got this vehicle XX/XX/XXXX, from Carhop. I should have never got a vehicle because I had a XXXX XXXX first and when I took it too get a oil change they told us that we didn't have a drive shaft because the XXXX  can't be a AWD without the driveshaft. Carhop let me exchange the vehicle and I picked the XXXX XXXX. My payments were {$420.00} a month I made XXXX payments and on the XX/XX/XXXX XXXX XXXX  sent Carhop {$5500.00} and they still asking for more money, I been reaching out to them since the accident asking them what can they do for us. All I got was a email for a late payment and I don't know why they would keep having me pay on a vehicle we don't have. I was spending my whole government benefits to pay for that vehicle. Now I don't have a vehicle and now they are going to mess me and my daughters credit up.
Product: Debt collection

AFNI is claiming that I owe them {$69.00} with an Account Number:XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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.
Product: Debt collection

Reference CFPB complaint # XXXX. I received attached letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX, waited for XXXX XXXX XXXX response on their complaint submitted XX/XX/XXXX, however no response. Theyre probably waiting until the court trial management conference set for XX/XX/XXXX. Anyway this letter states both lawsuits dismissed per plaintiff for financial hardship. First off YOU ARE A XXXX. They are still active. NEVER discussed any financial hardship or made any such request. If i did why would I be complaining? Bank XXXX XXXX, as stated several times advised me they reassigned accounts to XXXX XX/XX/XXXX. XXXX XXXX XXXXXXXX however courts shows no such thing. In fact they filed trial documents as well. 
Other fraud committed by this business as well but Ill save that for trial. Lets see if XXXX  XXXX XXXX and XXXX and XXXX wan na get on the stand and tell this lie. 
You dont have that license to practice in XXXX yet do you? Yet you served summons XXXX of XXXX. And XX/XX/XXXX. Perpetuaters!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus XXXX, XXXX, TransUnion. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX at XXXX XXXX on XX/XX/XXXX. Inaccurate address, inaccurate accounts, unauthorized inquiries. 
A : ERRORS INACCURATE ACCOUNTS 1. XXXX XXXX XX/XX/XXXX 2.  XXXX XXXX XX/XX/XXXX 3. XXXX XXXX 4. XXXX XXXX XX/XX/XXXX 5.  XXXX XXXX XXXX XXXX B : UNAUTHORIZED INQUIRIES 1. XXXX 2.  XXXX XXXX
Product: Mortgage

During my loan assumption with Flagstar Bank, I realized that my home owners insurance had not been automatically paid due to a clerical error by them adding a incorrect number at the end of my insurance policy therefore causing the payment to not be automatically paid as it was the year prior. I received zero notice, and upon discovering I contact Flagstar and my insurance company to resolve to ensure I had no lapsing coverage. Flagstar charged me an additional {$750.00} dollars causing my mortgage payment to increase, I even paid an addition {$800.00} to escrow and they have continued to tell me my claim for their error will be resolved with a continually moving timeline, resolution should have occurred in XXXX and I was now told mid XXXX. This is unacceptable due to no error of mine and during a very difficult divorce leading up to all documentation be approved for my loan assumption and all payment history on time. They have no way to reach a supervisor and Ive been told they would file a complaint, also told to send an email with no response to an automated system, and been disconnected numerous times in their chat help feature. Zero way to reach them by all the avenues their representatives have told me. I am being treated extremely unfair as this should be a simple resolution to refund they {$750.00} they charged me due to their error.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX. 
Account NumberXXXX Account Name : XXXX XXXXccount XXXX Account Name : XXXXXXXX XXXX Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXXXX/XX/year> Equifax 15 U.S.C 1681 secti

on 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

This is my one of my numerous 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  Please delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

I value your help too remove a portion of the data on my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on XXXX. 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. 
XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In contacting all three credit bureaus in order to place a Freeze on my credit profile, all three have blocking methods, or asking for {$10.00} in order to do so. Equifax simply stopped me from initiating a security freeze, and makes it impossible to email or call for assistance. XXXX XXXX is the same way, asking for credit card information and {$10.00} but no link to contact, just a loop of FAQs. XXXX also asks for {$10.00} and my credit card information. I have a security alert on all three bureaus however there are still several inquiries that have occurred and are newly placed on these bureaus so it is not benefitting me or any other consumer. I provided the police report and agency information to all three bureaus, and still they refuse to place my credit on freeze unless I pay. That is completely unfair since Equifax 's breach started this in the first place. There are still issues with Equifax not removing inquiries even when I received letters from Equifax and the disputed companies that the inquiries would be removed.
Product: Debt collection

PlusFour Inc is reporting something for an XXXX company. I was not transported anywhere in XXXX XXXX or any time in XXXX Please help me this makes no sense
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX, I attempted to open a bank account with XXXX XXXX Bank Texas. As part of their due diligence, they check my credit and other records and rejected by application to open an account. I was referred to XXXX. XXXX sent me a report and indicated I had mishandled/reported for cause and/other outstanding debts. 
That reports indicated that I had opened an account with US Bank sometime in the fall of XXXX and they closed it for account abuse. 

US Bank did not provide a phone number to dispute this report. I have had issues with my accounts being stolen and I need to get US Bank to remove this info. Their website is not at all customer friendly and very confusing. 

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

State Farm Bank has had incorrect contact information for me for years, making it so that I have NEVER ONCE been contacted about any past due payments, collections, etc. The company has also been giving my financial information to another person without my knowledge or consent. I contacted them to update my contact info over a year ago and nothing was changed
Product: Student loan

I have previously sent that there are payments missing to my account. I have recently found over XXXX XXXX dollars worth of missing payments now. please see the message i sent to edfinancial along with the ach payments- i have all bank statements as well. 
I NEED HELP- WHERE IS THIS MONEY AT??????? MY LOAN SHOULD BE ALMOST PAID OFF!!!!!!!!! Which account is XXXX? which account is XXXX? 
XXXX XXXX, XXXX DEPT EDUCATION XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$110.00} XX/XX/XXXX DEPT EDUCATION XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$110.00} XX/XX/XXXX DEPT EDUCATION XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$250.00} XX/XX/XXXX DEPT EDUCATION XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$200.00} XX/XX/XXXX DEPT EDUCATION XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$250.00} XX/XX/XXXX DEPT EDUCATION XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$200.00} XX/XX/XXXX DEPT EDUCATION XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$360.00} XX/XX/XXXX DEPT EDUCATION XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$1500.00} XX/XX/XXXX DEPT EDUCATION XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$800.00} XX/XX/XXXX DEPT EDUCATION XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$200.00} XX/XX/XXXX DEPT EDUCATION XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$220.00} XX/XX/XXXX DEPT EDUCATION XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$500.00} XX/XX/XXXX DEPT EDUCATION XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$500.00} XX/XX/XXXX DEPT EDUCATION XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$100.00}
Product: Mortgage

I requested a Broker Price Opinion that I paid for XX/XX/XXXX. A BPO was issued for my house and a woman came to my house, came inside and took pictures on XX/XX/XXXX. She sent the information off and said for me to wait 10 days. Its been more than 10 days or 10 business days and I do not have anything from Pennymac. 

The lady who submitted the BPO said its out of her online 3rd party system, so Pennymac has the information and are not willing to share it, have lost it, or don't care. If I am told 10 days, I expect 10 days. 

I paid {$190.00} for Pennymac to determine if my home had appreciated enough to remove the PMI. As my loan sits now it is at 90 % valuation, so I only needed 10 % more. I have been in my house for almost 3 years so I am sure that the PMI can be removed, but I can not get a copy of something I paid for to verify it.
Product: Checking or savings account

I opened up this checking account on XX/XX/XXXX, for the bonus promotion. I deposited {$50000.00} 2 weeks later and held the deposit in there for over 60 days ( which was required to get the bonus ). I should have received a {$1000.00} bonus per the terms and conditions of the bonus but I have not received anything yet. Please credit my {$1000.00} bonus as the terms stated.

I contacted Citibank and they said that I did not have a W-9 on file. I submitted it again on XX/XX/XXXX through my Business banker XXXX XXXX. Today is XX/XX/XXXX and I still have not received it. Please credit me the {$1000.00} and please waive the next statement 's checking fee since I have a low balance ( due to the fact that the bonus should have been paid already ).