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

On XX/XX/XXXX I called Santander Consumer USA regarding my auto loan. There was incorrect information being reported to the credit bureaus. It showed that I was 30 days delinquent on my auto loan when I was not. I spoke to a representative and she acknowledged the incorrect reporting and stated she would be submitting a ticket to fix the reporting error. She indicated it would be resolved in three business days. 

It is now XX/XX/XXXX and the reporting has not changed. I called in again and the representative said that all they did was waive my late fee but no ticket was submitted to fix the incorrect negative reporting. They stated there was nothing they could do on their end to fix the issue and that the original representative had given me incorrect information.
Product: Debt collection

I never received notification from Southwest Credit Systems for the XXXX accounts they are now reporting on my XXXX credit report. These accounts were also on XXXX and XXXX, but after disputing they were removed. I have requested debt validation regarding the XXXX accounts. All I received was an incomplete " statement '' XXXX attached ). I requested proof that the Statute of Limitations has not expired on either debt as well as proof that this agency is licensed to collect debt in my state. Also, a signed contract proving I owe Southwest Credit Systems was never received. I do not know who these people are. I looked them up on the BBB website and found that there are many complaints and lawsuits filed XXXX attached ). I believe this company is in violation of the FDCPA. Account # XXXX : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavors 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, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX Balance : {$19000.00} ; XXXX XXXX Balance : {$4800.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00}
Product: Checking or savings account

I placed a order on Thursday XX/XX/XXXX  to XXXX and cancelled part of the order due to shipping lead times on Saturday XX/XX/. I was told on Sunday that the cancellation had been processed and refund issued for the part I cancelled. I reached out to Cash App 's support and was told to reach out to the merchant. I reached out to XXXX support and was informed that I was only charged {$10.00} for the part that shipped out even through I still had a hold on my account in the amount of {$120.00}. I reached back out to CashApp support and was told again that they can not do anything and to again reach out to the merchant and that the charge would drop off in 7-10 business days if there was no further activity on the merchants end. I waited to contact them again until today Tuesday XX/XX/XXXX  to give it time to complete processing from the weekend. As there is still a {$120.00} hold on my account. I again reached back out to both companies that continue to put it back on the other. CashApp still states that there is nothing they can or will do regarding the hold and refuse to release the difference I was charged in the amount of {$110.00}.
Product: Credit reporting or other personal consumer reports

I have previously disputed A XXXX Bankruptcy that is on my Experian Credit Report, and in response, Experian verified the item as accurate, stating that Experian has verified the information with the court or a 3rd party. 

I contacted the court, and their response is attached. 

It is clear the Court does not report to Experian or any Credit Bureau for that matter ; therefore, Experian 's initial response verifying the item with the court was either an error or a lie. 

Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediately. 

In accordance with the Fair Credit Reporting act. The Bankruptcy listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX BANKRUPTCY/Reference XXXX 15 U.S.C 1681 section 602A. States I have the right to privacy. 

And according to 15 USC 1681eb Experian is supposed to ensure this. 

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

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

Id like to dispute a late mortgage payment from XX/XX/2015, a XXXX card and XXXX   card all from the end of XX/XX/XXXX.

I made these payments through the XXXX XXXX XXXX   portal like I do all of my bills and for some reason they did not post within the correct timeframe. I did contact XXXX XXXX XXXX and they informed me that they werent aware of portal issues but that because I called they would effect my credit. I just learned that it has affected my credit through a credit report.

Im not sure what to do since Ive just become aware of this. Im not sure XXXX XXXX XXXX  records their calls but if they do then thats the only proof I have.

I dont have bad credit since my score is XXXX  but I would like to have these marks corrected.

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

I've contacted XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on XX/XX/19 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late date from this account : XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

RE : Dispute of Unvalidated Debt Account Number : XXXX ( XXXX XXXX XXXX XXXX , I am writing to formally dispute the accuracy of an entry on my credit report. The entry in question pertains to an alleged debt reported by XXXX XXXX XXXX on behalf of XXXX, referenced by account number XXXX. 

After requesting validation of the debt from XXXX XXXX XXXX, I have found that they failed to provide sufficient evidence that the debt is valid. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ), a debt collector must cease collection efforts if they are unable to validate the debt, which includes reporting the debt to credit bureaus. 

Despite my request, XXXX XXXX XXXX has not provided : A signed agreement or contract proving that I am responsible for the alleged debt. 
Documentation confirming their legal right to collect on behalf of XXXX. 
As this debt has not been validated in accordance with FDCPA requirements, its reporting to the credit bureaus violates 15 U.S. Code 1692e ( 8 ), which prohibits the communication of false or misleading information to third parties, including credit reporting agencies. 

I respectfully request that you immediately remove this unvalidated account from my credit report as it is inaccurate and unsubstantiated. I have attached supporting documentation, including my correspondence with XXXX XXXX XXXX, to assist in your investigation. 

Please notify me in writing once the account has been removed. I trust that you will handle this matter promptly to ensure the accuracy of my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. 

Thank you for your attention to this important matter. I look forward to your timely response. 

Sincerely, XXXX XXXX [ Enclosures : Copies of correspondence, documentation ]
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is filled with discrepancies, and unauthorized accounts inwhich I'm now disputing and have disputed. The credit reporting agencies have deemed the disputed accounts as verified but did not support this with any hard copied documents that shows ownership. I'm respectfully requesting the Method Of Verification used in process of these accounts inwhich I'm disputing, ( 1 ) XXXX XXXX XXXX {$240.00}, ( 2 ) XXXX XXXX XXXX XXXX  {$3600.00}, ( 3 ) XXXX XXXX XXXX  {$0.00}, ( 4 )  XXXX XXXX Bank {$600.00}, ( 5 ) XXXX XXXX {$3300.00}, ( 6 ) XXXX XXXX {$0.00}, ( 7 ) XXXX XXXX XXXX {$480.00}, {$290.00}, {$240.00}, {$150.00}, ( 8 )  Missouri Div Chld {$9300.00}, {$5300.00}, {$5000.00}, {$2700.00}, {$1300.00}, {$120.00}, {$94.00}. 
Please block all accounts above.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

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 or other personal consumer reports

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

I uploaded all the fraudulent accounts that was open under my name the previous years 2 car loans, one credit card account, 4 XXXX  accounts most of them are on my Experian credit report, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX : {$2500.00} XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I informed the company that I was a victim of fraud. The company claimed that they sent the three bureaus a letter to have them remove the hard inquiries from my credit report but nothing happened. Kept getting g the ru. Around by the company and the three bureaus.
Product: Credit reporting or other personal consumer reports

There is a collection account on my credit report that I do not recognize. I noticed this while pulling up may credit report after being updated that my credit score had fallen. The account name is below COLLECTION No information besides the address of the collection agency was written on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting proof to Equifax and XXXX they both continue to report a public record that has been suppressed by their public records vendor ....
Product: Checking or savings account

History of theft : On the XX/XX/XXXX statement from our bank. We noticed three preauthorized withdrawals from our checking account issued to USAA. We have no relationship with your company. We contacted both our bank and USAA. The persons at USAA would provide no information or assistance as we are not members. 
My wife & I researched these withdrawals back through our old statements. We found that the first theft started on the statement of XX/XX/XXXX in the amount of {$180.00}. The second theft amount {$200.00} appeared on the statement of XX/XX/XXXX. The third theft amount {$150.00} appeared on the statement of XX/XX/XXXX. These thefts happened every month until we had to close our account on XX/XX/XXXX. 
We filed a police report with the XXXX XXXX Ga Sheriff dept # XXXX. I contacted USAA again on XX/XX/XXXX again to attempt to get assistance as additional withdrawal requests had been sent to our old account. Again no help from USAA. 
We learned from the Sheriffs Investigator that he was having difficulty getting information from USAA. On XX/XX/XXXX I spent 56 minutes on the phone attempting to get assistance from USAA, again no help. Finally on XX/XX/XXXX I was able to talk to a USAA Investigator named XXXX at extension # XXXX. He took the case information and my contact information. 
At no time did my wife or I give USAA consent to remove moneys from our account for any purpose. We have given USAA time and multiple notifications to correct this issue. 
We sought help from the Georgia Office of Insurance. We filed a complaint and after two weeks a USAA rep called us. We were advised again that USAA would not help us as we are not customers. The young lady advised us to take this issue up with our bank. We had done this at the beginning. 
On XX/XX/XXXX USAA sent a letter to the Insurance Commissioner stating that since we are not USAA insurance customers the Insurance Dept had no jurisdiction over this matter. 
As seniors we find this lack of responsibility shameful. We need assistance to recover these funds.
Product: Money transfer, virtual currency, or money service

My Cashapp account was closed, according to an email received from a rep recently, I believe on XX/XX/XXXX. The current balance is {$25.00}, there are two pending funds transfers totaling {$74.00} which should post by XX/XX/XXXX. Once posted, the balance should come to {$100.00}. I am unable to link an external account to transfer remaining funds to, I requested a check via secure message as well as email, no reply received to date.
Product: Credit reporting or other personal consumer reports

My repeated efforts to rectify the fraudulent, inaccurate, and misleading entries on my consumer report have been ineffective. These erroneous items have severely disrupted my life, causing considerable XXXX and distress. I must emphasize that, as a victim of identity theft, I never authorized or consented to have this information associated with my identity.
Product: Checking or savings account

I opened a joint savings with Barclays with my husband. I was approved and logged into account initially and then kicked out and not able to log back in. I also received an email asking for reply with w2, ssn card, drivers license and bank statements. I called to verify authenticity and told this was standard practice. I sent the documents and heard no reply for over a week. I called twice to ask what was going on bc I was so perturbed at why they gave me an account, linked my bank accounts to it, blocked me from signing in and then had all of my highly sensitive information and would provide no update other than my account was still pending after it was already created ( hence allowed me to attach my checking account to it ). I still have no idea if I have fallen victim to a scam and will have to file a police report as a precaution. Their customer service will tell you nothing and they are not helpful.
Product: Student loan

XX/XX/XXXX my mother applied on my behalf ( I was aXX/XX/XXXX) to apply for the Federal Direct Student Loan to attend Georgia College and XXXX University, and used her credit/tax information for the original Master Promissary Note. I went to school, and then on XX/XX/XXXX paid the full entire amount of the loan, including interest, {$5900.00} paid off. I then closed the account with EdFinancial and never heard any further correspondance. 
On XX/XX/XXXX ( 4 years later ) - I received an email stating that I had an outstanding balance on my EdFinancial account. I had to create a new account to access it, and when I did, the amount of {$6100.00} was on my account. I called, and after 3 months of trying to get ahold of a supervisor, they stated that on XX/XX/XXXX at XXXX, I had called and " verbally requested '' something called " COVID Relief ''. I then asked to hear the voice recording, and was told I needed a subpoena from a judge to hear my own voice recording. They stated that because of this recording, it was a " Legal and Binding Contract '' - and that they REOPENED my ORIGINAL loan of from XXXX based on the Master Promissary Note, and the US. Treasury mailed me a check for my {$5900.00}. They tried to say I deposited the check, but I have no evidence of this in my checking account or history, and they did not have the evidence on my online account. In Fact, they DELETED my payment history of all my interest payments, the date where I paid it off. I have all the proof on my end in the form of bank statements, and I also recorded the conversation I had over the phone with the EdFinancial Supervisor. 

I NEVER Requested to reopen this loan. I do NOT believe I owe ANY money to this program or loan. This is FRAUDLENT- if I do not have WRITTEN and SIGNED contract stating that I will pay back this loan in full, when I supposedly " requested '' it in XXXX, then I will not be repaying this. EdFinancial needs to be held responsible, and take this balance off my account entirely.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card reported to the the credit Burals. ( CREDITREPORT ) That my credit card was 30 days over due.thats false! My payments are Due XXXX Of every Month. IN XXXX I paid on XX/XX/XXXX XXXX which is earlier then due date. Then This month XX/XX/XXXX XXXX I did as usual made a XXXX $ payment online. ( I have screen shot of payment ) I made two attempts the 2nd try error message said to call and I did waiting for 2 hrs no one helped! Today I made a successful payment.10 days from the XXXX and 18days from the glitch.Than I received notification from Equafax that XXXX reported 30days past due of my payment.! this is false .. My Credit Score Went Down XXXX points. I'm in the middle of buy my frist house and this a very negative thing for me Please help me ..XXXX Monthly Yearly interest are beyondeven when having a great credit score they cant keep doingthis to people. Please help this account has never been 30days over due and always been in good standing. XXXX is One of the finance company 's XXXX 's XXXX Uses. I HAVE EVIDENCE OF EVERY payment and every situation I have had.