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

I opened a loan with Santander in  XXXX   XXXX , it is now  XXXX   XXXX  and they are still reporting this on my credit report. They are reporting different information to all  XXXX  credit bureaus. To my knowledge the statue of limitations for this reporting on my personal credit report has long pass. I would like for them to provide me with an explanation to why this account is still showing on my report. And if this account is outdated, I need for it to immediately taken off my credit report and updated reports sent to me reflecting any changes made.
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 15U.S.C 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, U.S. Bankruptcy 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is 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 remove these files. 


XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; 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 Balance : {$79.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed two disputes with Equifax. They are reporting 4 of my accounts with wrong balances and have said they have verified it. This is the only reporting agency reporting them inaccurately. The balances are with XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I contacted the four companies and they assure me that they are not reporting what Equifax is stating. Equifax is also reporting a card that was reported lost in XX/XX/2017 as a charge off, as charges were continued to be allowed after card was reported missing. They will not accurately update anything and it is causing great harm to my score.
Product: Debt collection

I have been disputing this collection for the past couple months. Equifax has stated that this account was verified, but has failed to provide verification. The collector only provided me with an itemized statement of charges. They did not provide me with any original contract bearing my signature proving this debt. 

XXXX ACCT # XXXX Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX  XXXX/XXXX  XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXX Balance XXXX {$26000.00} XXXX/XXXX  XXXX  XXXX Balance : {$270.00} XXXX XXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX/XXXX XXXX Balance : {$270.00}
Product: Debt collection

My son had insurance with XXXX XXXX which in now XXXX XXXX. He was fully covered at the time. Then I noticed that a charge for {$620.00} was on my credit report regarding a charge that was covered by his insurance.
Product: Checking or savings account

My car was reposted due to Wells Fargo continuously blocking automated payments from my dealership
Product: Credit reporting, credit repair services, or other personal consumer reports

I called customer service from TransUnion and they refuse to take care of the credit inquires that were unauthorized. I called the creditors and said it doesn't show on there end and it's the error with transition since it doesn't show that they pulled my credit on their end. I believe I am a victim of there inquires issues. I asked if I can dispute it and said they don't have a dispute process like the other credit bureaus that you can call or dispute online wrong information on your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this inaccurate bankruptcy & items associated with bankruptcy since XXXX of 2020, and after each dispute the 3 credit bureaus, XXXX, TransUnion, & XXXX  stated that the information was verified and obtained accurate information from a third party vendor XXXX and that I should contact the vendor directly. I have contacted XXXX who sent me a response stating they are unable to locate a file sufficiently matching the data that the bureaus, XXXX, TransUnion, & XXXX  are reporting on my credit profile.
Product: Debt collection

Hello and Thank you for review my complaint, As of early XX/XX/2020 we were sent a collection stating that we owed a balence of about {$12.00} grand to XXXX XXXX XXXX, this notice was sent from IQ data international. We had contacted to Comapny asking why it is this amount when the apartment agreed to do rent responsibility till someone had moved in we would be notified and ask for a payment. Instead they had sent it to collection with out notifying me till late of XX/XX/2020. We sent the revision to the collection company and they did not adjust the price till XX/XX/2020. During this time XXXX we tried working with them explain I am unemployed living off my fiance at the times income. I explained to Iqdata that we had left because I was being harrassed by a tenet who was selling drugs in front of our gate where our apartment was right in front of. While ontop of that, the gate was always broken even though we were suppose to be in a gated community because this XXXX had always opened Manually breaking the gate. The apartment had verbally told me that they would address this and contact legal, I've never heard back. Complaints were repeatedly made to the office and the police. I had told the iqdatatech, I was scared because I wish not to be XXXX again, the tech responded " that's your fault ''. So, as you can understand I yelled back ; being told it is my fault for being XXXX is 100 % wrong. The next day I had apologized tell her I am stress, suffering from XXXX XXXX, XXXX, and XXXX. To avoid further issues my fiance at the time, now husband, XXXX XXXX had called to try arrange a affordable arrangement, they disagreed and told him we now have a vendetta against you and will make your lives difficult. Then our 3 lease signers XXXX XXXX had contacted them to make arrangements and they told her if she had paid XXXX grand and the other lease signers again XXXX, XXXX, and XXXX XXXX agree they will take her off the lease. Which we wrote a letter agreeing with our signatures. She called and ask to start th ed process and they told her " No.Why would we, when you have the highest score? '' She asked for other options and they had screamed at her saying " that the have a vendetta ''. We sent another letter asking for a payment arrangement again explaining we are now affected by XXXX and furloughed from the district XXXX and XXXX. They contacted us again and only asked us to pay, and we asked did you receive our letter and they responded " yes, that's why we changed it to the revision the apartments made ''. This company has been rude, had lied, and had went ahead and added the collection and diluquent on our credit score after stating we were affected by XXXX they put it on our score. As the law stated during pandemic they are not allowing collections to be added to scores.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I never lived there at above address and the XXXX, XXXX, Trans Union would not remove it some reason I even submitted the documents to approve it and I also noticed the Trans Union and XXXX are not updating there XXXX scores XXXX Equally if they are getting XXXX scores from XXXX it should be the same I dont understand Equafax is XXXX but trans union is XXXX and XXXX is XXXX XXXX believe scoring module reported unfairly.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a late payment report for the account referenced above, which I believe is inconsistent with the provisions outlined in 15 U.S.C. 1666 ( b ) of the Truth in Lending Act ( TILA ). Under this statute, creditors are required to report accurate and timely information regarding consumer payments and can not report a late payment until a certain period of time has elapsed, and certain procedures are followed. 

According to TILA, creditors must issue a billing statement that provides a clear due date for payment. Additionally, they are prohibited from reporting a payment as late if it is made within a reasonable timeframe from the due date and after the billing statement has been properly issued and received
Product: Mortgage

Mr. Cooper is the Servicer on my Mortgage and have raised my monthly mortgage payment XXXX without sending any Notice by Mail before raising my payments. They have sent a ( Cease and Desist letter placing it on my Mortgage Account. I have NO CONTRACT with Mr. Cooper and they have NO RIGHT to Raise my monthly payments or put a CEASE AND DESIST ON MY ACCOUNT. This raise in my monthly payments are putting a stress on my ability to make my normal payments of XXXX. I feel if Mr. Cooper continues to force this XXXX Fee I should be able to take legal action against them and seek compensation for the stress it is causing on me. This Company has numerous Complaints filed against it already for various violations against people..
Product: Credit card

I have XXXX credit lines with Capital one all were on ACH. For some reason - XXXX of my cards is n't on ACH all of a sudden and then I received an email this morning relating that I missed a payment ( Discovered later on my own - Capital one CS could n't explain this to me ). No calls or emails were sent indicating i missed my late fee until just now, which was stating i was n't eligible for a credit line increase for 6 months. They also charged me a XXXX fee. When I called the customer service line and indicated that I made my payment through the application she just continued over and over to ask if I wanted to make the payment. I indicated to her that I had ACH and wanted to understand why they did n't draft and that all my accounts were on ACH and that I pay much more than the minimum monthly ( Just paid XXXX on another capital one card last week ). She continued to just ask me if I wanted to make a payment and that they could n't retrieve my funds ... I continued over and over to ask " WHY '' you could n't retrieve my funds. There was more than enough for the minimum payment to draft from my financial institution. Again she said that she did n't know and if I wanted to make a payment. Clearly I was becoming frustrated so I asked for a supervisor. She transferred me to a phone line that indicated they were closed ( Calling Monday XXXX XXXX 2015 @ XXXX XXXX EST ). The rep just xfered me over and the line states to call back after XXXX Est when they are open.
Product: Mortgage

I paid the {$500.00} deposit to refinance my home to XXXX on XX/XX/XXXX. I was told the process would take approx. 6-8 weeks. I agreed to a 2.5 % rate with total closing points at {$3600.00}. I received notification that the loan was closing on XX/XX/XXXX and that I needed to review the closing disclosure. I did so but heard nothing for weeks about signing with the title co. I called my loan officer several times and was told they were working on a few items but that this would close soon. I called the title company and they said they were all set to close, waiting on the lender Amerisave. I received another closing disclosure on XX/XX/XXXX from Amerisave which increased the closing costs to {$13000.00}. I was told they continued to work on closing but for some unexplained reason they were unable to close. I complained about the change in closing costs and they ( XXXX XXXX and his boss XXXX XXXX XXXX said they were working on a {$4000.00} credit for me. I asked for daily updates which I received occasionally saying they were still working on it and it would close within a day or two. So here I am on XX/XX/XXXX ; they ( XXXX and XXXX XXXX claim they have not received a payout amount from my current mortgage company XXXX. I called XXXX and they assured me the payoff amount was sent to the requested fax # on XX/XX/XXXX. After a conversation with XXXX XXXX who claimed they have not recieved this information I called XXXX back and asked them to send the payoff quote to XXXX XXXX directly. Best scenario would be to close the loan I originally agreed with- disclosure XX/XX/2021.
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and will not help me with getting it back up and going, I am not sure if this is some mistake as I assume it has to be I have not been able to get help from them for months but i remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used Paypal quite frequently. My email linked to my paypal is XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 I found that there were 2 checks written on my account with out of sequence numbers, clearly forged signatures, not my handwriting and written and cashed by the same individual. The checks were for {$10000.00} and {$6200.00}. I immediately reported this to Northern Trust and my wife and I sent in drivers license copies, affidavits affirming the counterfeit checks and all other information requested within a couple of weeks. I have numerous email correspondence with them and was told that it would take 90 days before any money would be returned and that it was all dependent upon the bank that accepted the counterfeit checks before Northern Trust would refund my money.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

XXXX5 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
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 : XXXXXXXX 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: Prepaid card

My identity was stolen while I was XXXXXXXX  and unauthorized charges was made on my account and I provided the company with police reports filled out all of there documentation they need and they have XXXX business days by law to provide me with a provisional credit and have not done so at all
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently I have been reporting fraud on my XXXX XXXX account. I keep being charged by XXXX XXXX XXXX on Behalf Of XXXX XXXX, XXXX XXXX XXXX. I have never opened any type of account with either Company, I did report this many times to XXXX And Trans Union Many... Many Times but they keep putting this back on and deleting stuff that I actually owe They recently took XXXX off my Account When I actually do own that account I personally walked in and opened that XXXX account to start my Credit when I was younger I only stayed XXXX because I was letting you guys know I had existing accounts that were actually mine with debt and I wasnt complaining about it I dont know who is responsible but they took that the wrong way I Need XXXX XXXX  On My Account Im only reporting fraud On The accounts XXXX XXXX XXXX keep bothering me about ( XXXX XXXX XXXX ) which are accounts that were open fraudulently My car was stollen from the front of my house on XXXX XXXX XXXX in XXXX on XXXX  I just found out these accounts were open around XXXX and they have a address in the same city of XXXX on The account that isnt mine I received this info by an employee due to a call I had made to the XXXX XXXX XXXX to complain ... I also just received the police report of my car being stolen from the front of my house!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I was reviewing my credit report from Transunion and XXXX  I notice a hard Inquire that I didn't give permission to have. I would like this item to be removed. from both Transunion and XXXX. and a letter stating that is have been removed.
Product: Debt collection

I sent out a letter to Receivable Performance Management on XXXX XXXX, 2022, requesting that they cease and desist from communicating with me about an alleged debt, I have attached the letter that I sent. 
I have not received any response and it has been over 30 days, under the FDCPA. This debt collector has failed to comply with the provisions of this subchapter, 15 USC 1692.
Product: Debt collection

Diversified consultants purchased my old account from XXXX XXXX. My service ended with them three years ago. I never received information from the provider. I provided the company with a forwarding address and phone number. The creditor confirmed they just received the collection account XXXX 2017, I was charged for equipment and terminaion fees. I have excellent credit and no derogatory accounts. Diversified CONSULTANTS immediately posted this account to my credit report prior to contacting me by mail on X/XX/2017. I received a telephone call from Diversified Consultants from an extremely aggressive and unprofessional representative. The rep. Provided no information concerning the account, I asked what information he could provide me and was only provided a balance due. My name is spelled incorrectly on the notice and i am a bit aprehensive. The rep. Continued calling and demanding payment after i advised to stop calling. I reached out to XXXX XXXX and initiated payment. I am requesting both companies be held respnsible and all derogatory remarks removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify through physical verification of the original signed consumer contract any and all accounts email in a fraudulent account. Experian has failed to show me verifiable proof of my documents ( see documents below ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th 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, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MD XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$420.00}
Product: Checking or savings account

I received an email inviting me to open a business checking account deposit {$10000.00}, keep the balance above {$10000.00} for XXXX days, and complete XXXX transactions in order to qualify for a {$600.00} bonus. I called to inquire about this and reviewed the details with the rep told them I planned to deposit {$10000.00} at account opening and will leave at least {$10000.00} in the account until I get the {$600.00} bonus. I made an appointment and went into a branch deposited {$10000.00} told the banker my intention was to qualify for the {$600.00} bonus and they agreed I would meet the terms as long I completed XXXX transactions and my balance did not fall below XXXX. My balance never fell below XXXX for XXXX days just like the terms stated but they only gave me a bonus of {$400.00} not {$600.00} as promised. I have met all the terms to qualify for the full {$600.00} but that bank has not credited the difference. Please help.
Product: Debt collection

I sent a debt validation letter via certified mail that they received on XXXXThis company has failed to validate my debt instead. please delete this information from my credit file and cease all collection activities immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting XXXX/Comenity in amount of {$330.00}. It appears that XXXX XXXX XXXX is also attempting to collect a delinquent amount for Comenity.