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

I am not attempting for the 4th time to have inaccurate accounts removed from my credit report. XXXX XXXX XXXX has not been in compliance as these companies have several inaccurate items on my report. I have requested that each of these companies validate that the debts are 100 % accurate and i " am willing to pay in full ''. Each time they have not been able to verify these accounts, i am also aware that they are inaccurate. For some reason, im getting notified that these companies need more time to investigate these claims, but it has now been 5 months and this is now becoming ridiculous. I would like the following included accounts removed from my credit file asap. This is my 4th attempt to resolve this matter through legal disputes but i am not getting anywhere. I will continue to take further actions until these inaccurate items are removed from my credit file. 

Regards, XXXX XXXX XX/XX/1981 XXXX ( SSN last 4 ) XXXX XXXX XXXX XXXX XXXX, Pa XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not address ONE concern listed in the complaint ID XXXX. 

Experian, I am aware that you provided my private personal information without my consent to third parties. You've invaded my privacy in multiple ways. Please provide me with a copy of the documentation that gave you the right to give my information away to XXXX FIN and show me where I signed something with your corporation that gave you consent to do so. You have said repeatedly that the referenced company verified the information as accurate, well, send me ALL of the documentary evidence that they have provided you that made you come to that erroneous conclusion which is your responsibility to do so under the Fair Credit Reporting Act.
Product: Checking or savings account

XX/XX/XXXX - Capital One had a supposed outage No one received notice until XX/XX/XXXX - we were told all would be solved by today ( XX/XX/XXXX ) It is now XXXX and my {$3000.00} deposit still has not been applied while having been released by the payroll processor. 

Sat on hold for 3 hrs with no answers. 

Theyve not communicated with any consumers and have been unable to resolve after 72 hours.
Product: Debt collection

I had filed bankruptcy to stop a foreclosure and filed in RI as it was closer than Ma and I had a XXXX XXXX and XXXX and could't get a ride to XXXX, the stay was not accepted due to many filings allegedly and after an emergency filing with the court and the court granting the stay the attorney XXXX XXXX of Harmon Law Offices PC refused to take the sale date down or remove the sale date, in edition a person who owns the home with me filed bankruptcy and he will not recognize his stay either. He said he is foreclosing and that is final! The judge scheduled a hearing on my emergency motion and he showed up after dropping paperwork off to my house the night before he claims he served me and he did n't my hearing was for my filing not his motion to be relived from the stay. He also asked the judge to make a decision on people living in my home without their being there to answer for themselves. He crossed the line and taking this personally.I want my stay recognized for what it 's worth as the judge stated he ca n't set a date until my appeal process is over and he XXXX states he will leave it and when appeal is over and I loose he will take my house. The is bad behavior on this attorney 's part and I am not taking this any longer.XXXX also states he delivered the paperwork to me before XXXX XXXX on X/XX/2017 and he is not telling the truth it was n't till almost XXXX XXXX that the paperwork was delivered. Also he put the foreclosure in my common law husbands name and he filed bankruptcy and owns the house and XXXX XXXX states he does n't have to recognize the stay. He is playing god with peoples lives and may even want the property as I ca n't understand why he is taking a person stance in my foreclosure. My house is nice and a lot of people want it but I built it and put down 250 K plus on my home the pick a payment loan just got to be too much. I was in the middle of a work out option I also stated the 2nd mortgage was paid in full and their is no 3rd mtg and XXXX stated to the judge that he know it to be fact that I do have a 2nd and a 3rd mortgage and why try to stop the foreclosure when I owe so much, but I worked very hard to pay off both the 2nd work out a payment plan on the 3rd and when the bankruptcy goes thru the balance to be wiped out and it 's not much XXXX XXXX. He painted a picture that was n't true. I am a single mom with XXXX boys and XXXX babies that live in my home along with an XXXX old man and I want to fight for what is right.
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please update your system, this is causing plenty of heartburn for me. Thank you.
Product: Credit card or prepaid card

To Whom It May Concern, When I applied for a Credit Card with Capital One, I was told that I did not qualify for credit despite being a customer and a natural person. My social security number ( credit card ) was used but I received NO benefit is evidence that XXXX XXXX engaged in fraudulent behavior ( unauthorized use of credit card ).
Product: Vehicle loan or lease

I have a closed account with Santander from XXXX. Im in the process of purchasing a home so I had been reviewing my credit report. On XX/XX/XXXX I noticed there was a late pay charge from XXXX that was incorrect from Santander, so I submitted a dispute online to have the late pay charge investigated and removed. Instead of investigating the late pay charge, Santander changed the status of my account with all three credit bureaus from paid as agreed to charge off. I made my last payment to Santander XX/XX/XXXX, how could my account have been in paid as agreed status for 4 years and all of a sudden its changed to charge off because I disputed a late pay charge from 5 years ago. No one in the Executive Office is able to explain to me why my closed account was recently updated to Charge Off after 4 years??? It seems like this is retaliation against me for disputing the late pay charge and possibly being solicited for the ongoing lawsuit against Santander. I feel Im being extremely mistreated and would like someone to look into this as soon as possible.
Product: Credit reporting or other personal consumer reports

I have two account with XXXX. A XXXX credit and a XXXX cashback mastercard. On the credit, I had a {$3500.00} limit. On the master card I had a {$2000.00} limit. I owed on both cards approximately 75 % balance. On the month of XX/XX/year> I completely paid both cards in its entirety. Leaving me with a XXXX balance on both. XXXX bank decided to drastically reduce my credit limit on both cards to {$100.00} which is extreme. I understand the reduction in credit but that drastic is not fair. Especially when I have not been late or delinquent with their accounts. Ive since then reached out to XXXX and synchony expressing my frustration and concern with to remedy. Id really like my limits back to where they were and more if possible because Ive shown I can run up a bill and pay it off. Its not fair the way they drastically reduced my limit. It hurt my credit.
Product: Credit card or prepaid card

My identity was stolen 3 years ago. Some one opened a XXXX credit card in my name at pnc bank on XX/XX/XXXX. Money was transferred to a person by the name of XXXX XXXX XXXX from the credit card for XXXX. I called pnc bank in the beginning of XXXX ( right around the 15 ) and told them that I did not open this account. The fraud department sent me a letter on XX/XX/XXXX and had me sign it so that there could investigate this problem. On Saturday XX/XX/XXXX I received a letter from PNC Bank stating that no such inquiry was reported to the credit bureaus. I have a copy of XXXX credit alert about the inquiry. I made a police report in XXXX after I called PNC Bank about the fraud. Police report number is XXXX.From the letter I received from PNC on XX/XX/XXXX, they think I opened this account, which I did not. I am going to contact PNC again on Tuesday due to Monday being a holiday. The inquiry was from PNC Bank in XXXX Ohio on XX/XX/XXXX. I was in California at that time. I put a credit lock on my credit for all 3 bureaus on XX/XX/XXXX. I had my credit monitored by XXXX at this time.
Product: Debt collection

A debt collect from SCRSOLUTIONS has repeatedly emailed me about an alledge debt of {$5200.00} owed from a car being towed and stored in XXXX. I was not the vehicle owner in XXXX. I sold the vehicle in XXXX. 
I've went to XXXX in Arizona several times trying to obtain vehicle history information but they wouldn't share the vehicle history with me. The debt collectot sent me a document that stated that I was the tittle holder from XXXX to XXXX yet they are still stating that I am considered the legal owner in XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Comprehensive Complaint Against TransUnion for XXXX Violations of FCRA and Demand for Immediate Rectification Dear Sir or Madam, I am writing to demand swift and decisive action against TransUnion for their willful and systematic contravention of the Fair Credit Reporting Act ( FCRA ). Their conduct amounts to what can only be described as an " Unfair Credit Reporting Act '' ( XXXX ), a perverse rendition of a system that has wreaked havoc on my financial standing and undermined the integrity of fair credit reporting. 

Enclosed herein is a list of inaccurately reported accounts, with their respective numbers, that TransUnion has failed to handle with the due diligence required by law : XXXX XXXX Credit Card, Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  Credit Card, Account # XXXXXXXX XXXX Secured Credit Card, Account # XXXXXXXX XXXX Partially Secured, Account # XXXX XXXX XXXX XXXX Collection, Account # XXXX Despite my earnest attempt to rectify my credit, evidenced by a detailed dispute letter sent on XX/XX/year>, TransUnion responded with patronizing applause, yet curiously insinuated that the dispute was not authored by me. This baseless assumption conveniently excused them from providing the proofs I requested. Nevertheless, they proceeded to dispute the XXXX account, closed it, and then, in a bewildering turn of events, reopened it, dealing a -71 point blow to my credit score. 

The same cavalier approach was taken with my XXXX XXXX account. No dispute was expected, yet they took it upon themselves to verify it and annotate 'consumer disagrees, ' demonstrating blatant disregard for my rights under the FCRA XXXX This is not mere negligence ; it is a pattern of punitive actions that flout the protections intended to safeguard consumers. 
This treatment is a flagrant violation of the following FCRA provisions : 15 U.S.C. 1681i : TransUnion 's failure to conduct a proper reinvestigation within the statutory 30-day window. 
15 U.S.C. 1681a : Their reporting of information they should know to be inaccurate.

15 U.S.C. 1681s-2 : Negligence in failing to correct or delete unverified information upon a consumer 's dispute. 
TransUnion 's actionsor lack thereofhave not only resulted in the direct and material detriment to my creditworthiness but have also profoundly impeded my entrepreneurial aspirations and pursuit of financial stability. 

I hereby demand the immediate removal of all disputed accounts due to TransUnion 's breach of the FCRA. Failure to comply should result in severe penalties, including but not limited to, punitive damages for the willful neglect that has characterized their responses to my disputes. 

The time for accountability is now. I urge the CFPB to act with the authority vested in them and deliver justice for the years of unwarranted hardship that TransUnion 's XXXX has imposed on me. 

I await your prompt and corrective response. 

Sincerely, XXXX Enclosures : Evidence of Discrepancies, Documentation of Financial Harm, Certified Mail Receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear to whom it may concern, My name is " XXXX XXXX '', I'm writing request inaccurate items in my credit report need to be removed. According to the Fair Credit Reporting Act, I expect you to complete this verification withins 30 days. 
" Name reported '' _ XXXX XXXX XXXX  Opened Date XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Student loans** _XXXX XXXX XXXX Opened Date XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
**Student loans** _ XXXX XXXX XXXX  Opened Date XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Credit Card** _XXXX XXXX XXXX Opened Date XX/XX/XXXX How there can be XXXX $ monthly payment in a closed account. There are high balance of {$1000.00} when the Amount past due is {$360.00}. This account need to be removed immediately, there is no need to reinvestigate. 
**Credit Card** _XXXX XXXX Opened Date XX/XX/XXXX I never have any financial obligation with this company. Please delete it!!!! 
**Credit Card** XXXX XXXX Opened Date XX/XX/XXXX how there can be $ XXXX  monthly payment in a collection charge off account. This account need to be removed immediately. There is no need to reinvestigate!!!

**Credit card** XXXX XXXX  XXXX Opened Date XX/XX/XXXX How there can be $ XXXX   monthly payment in a charge off account. The account balance is XXXX $ when the amount past due is XXXX . Delete it immediately!!! 
**Credit card** XXXX XXXX Opened Date XXXX XXXX, XXXX This charge off account is not mine. Someone intended to put them in my credit report in order to make me pay for something I don't own. In addition, The amount past due is XXXX $ and the account balance is {$770.00}. DELETE IT IMMEDIATELY!!! 
**Student loans** US DEPT OF ED/XXXX  XXXX XXXX XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
**Student loans** US DEPT . OF EDUCATIO Opened Date XX/XX/XXXX This account is not belong to me. I have never receipted any mailed disclosure and early notice before this is listed on my credit report. Please provide payment agree and full documentation about this account or you must delete it in time frame of 30 days.
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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have noticed that ELAN FINANCIAL SERVICES have placed an inquiry on my XXXX credit file dated XX/XX/2020. On multiple occasions I requested ELAN FINANCIAL SERVICES and XXXX to verify these inquiries. They have yet to do so.
Product: Checking or savings account

I opened checking account with citi Bank in XXXX XX/XX/2022 and they offer if you maintain {$50000.00} for two months citi bank will give bonus of {$700.00} after 90 says. And I maintained XXXX $ in account more than 2 months and after that I withdraw XXXX from my account and they froze my account. Now they are not giving me the answer why they are going to close my account. And I need my money for medical purpose but they are not giving my XXXX $ back. Because they froze my account.
Product: Debt collection

I do not owe this money I had and still have medical insurance. I was never notified that I had any debt or money owed they did not give me the opportunity to dispute or even provide them with another copy of my insurance card. The waited and sent it to collections. The are billing incorrectly I consider this fraud.
Product: Student loan

Trying to get through to change the loan repayment date with Nelnet 's customer service is comical. I have been on wait for over 3 hours, and this is not the first time I have attempted to get through. The last time I was on hold for so long I gave up. 

This should be an option on the website, as it was with Great Lakes ( who my loan was with before it was transferred ). I do not know why my payment due date was moved to the XXXX of the month. How does a payment on the XXXX of a month make even a little sense? All I want to do is move the payment to the beginning or end of the month and I do not see why this is a complicated change to make. As stated prior, this should be an option on the website. 

To add insult to injury, I have sent them multiple emails with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5600.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$5500.00}, XXXX XXXX XXXX XXXX Balance XXXX {$2900.00}XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1600.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$1500.00}, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2017 I was the victim of an online XXXX scam. I purchased 2 tickets for {$350.00} to a XXXX concert in XXXX XXXX. I emailed " XXXX XXXX '' back and forth with over 40 emails in the tread. I was scammed using the application XXXX. I have been with my Capital one back over 14 years and noticed the send money option on my online banking application. I had no idea that it was a third party application. I sent her the money at about XXXX XXXX Friday and she sent me some obviously fake tickets. By the time I called the bank it was too late as the money had cleared the bank. My request was quickly denied by Capital One. I called XXXX immediately and they pretty much laughed at me. I told them I wanted to speak to a supervisor but every time I called he was conveniently on the other line with another customer. I also filed a police report with XXXX, a complaint with the FTC, and next will be contacting the BBB. I believe XXXX is very misleading and there should be some type of protection plan. Never use XXXX to send money unless it 's with someone you know. I 'm also very upset that I told them the account was being used in a scam and they did n't seem to care. I sent the money to XXXXXXXXXXXX and corresponded with XXXXXXXXXXXX. 
Looking back there were several red flags during this transaction. But I have a XXXX and a XXXX I was juggling while I was completing this transaction. I want others to be careful and take the proper precautions when buying things online and to NEVER EVER use XXXX. And know that it IS NOT backed by your bank. XXXX would not tell me anything about his account other than it was active. I eventually found him on instagram and sent him a series of emails but no response. I also flagged all of his posts on craigslist as I found he had several listings in several cities.
Product: Credit card

I called Chase Travel on XX/XX/2024 at XXXX to determine if the seat selection was included with the fare shown in the chase travel app. Chase Travel Agent advised seat selection was included and that I should go off what the fare showed on the chase travel app. I paid more for this fare compared to other fares offered by the same airline to have the seat selection option as the chase travel agent confirmed twice that seat selection was included. Once booking was complete I went to select my seat on XX/XX/2024 only to have to pay {$560.00} to select seats of the same fare class. The chase travel representative did not understand products and passed bad knowledge onto me as a customer and as a result I suffered financial harm. Chase travel needs to investigate this practice and needs to issue me some type of compensation for their failure to accurately display whats included in the air fare shown through the travel portal and needs to retrain staff to let customers know they will have to repay for this fare. I am now out {$560.00} due to this failure with no help from chase to correct these deceptive acts.
Product: Mortgage

We had our Mortgage Loan transferred to Valon XXXX  XXXX. We made our payment on XX/XX/year> and it was processed on XX/XX/year>. 

I spoke with XXXX XXXX, and they confirmed the payment was processed on XX/XX/XXXX and they ( Valon XXXX  ) received the payment on XX/XX/year>. 

Valon XXXX  threatened to charge me a late fee in the future. I will not play there games. I have no control on how long it takes Valon XXXX  to process a payment XXXX XXXX  provided the following transaction number XXXX stating the payment was received on their end. 

The Mortgage was transferred over to Valon XXXX  and it was past the first of XX/XX/year> when the letter was received. 

Our previous Mortgage company failed to provide the required 15 day notice that they were transferring the mortgage to Valon  XXXX. 

The letter from our previous mortgage company was dated XX/XX/year> and post marked on XX/XX/year>. We all know it takes many days to recieve a letter coming from Colorado going to XXXX, Oregon. They failed to provide the required 15 day notice.
Product: Debt collection

I was a victim of identity theft and the original owner of the debt refused to acknowledge the theft.