23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Equifax Team, My First & Last name are as follows : XXXX XXXX XXXX. 

My XXXX XXXX Address are as follows:XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  After reviewing my credit report, I have found inaccurate names and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations, and I demand, as my lawful right for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue. 

**Incorrect Names : ** The report includes an incorrect names of : XXXX XXXX Please delete and remove these incorrect names : My First & Last name are as follows : XXXX XXXX XXXX **Incorrect Address : ** The report includes an incorrect address ofXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX The addresses listed above I have not resided in. My Current Street Address are as follows:XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  These names and addresses has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 15 USC 1681eb they are 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. 16815-2 ( AX1 ) 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.

I request that you investigate these discrepancies and update my credit report with accurate information as soon as possible. Enclosed are copies of documents verifying my correct name and current address : Please send me a copy of my updated credit report once the corrections have been made. 

I appreciate your prompt attention to this matter, as it is crucial for my financial well-being. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report nor verify any fraudulent information.

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections were eliminated and not verified by other bureaus. I dont understand how they usually say that these accounts are mine.

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score, XXXX XXXX XXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXate of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XX/XX/year> XXXX XXXXXXXX XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to an auto loan thats currently reporting on all three credit reporting agencies, XXXX, XXXX, and XXXX, report. This account belongs to my father XXXX XXXX XXXX, and My mother ( co-signer ) XXXX XXXX XXXX. I have never signed, applied, and or co-signed for an auto loan with a credit acceptance corporation. 


This crossed reference of our personal information has caused me to be in a dire straits situation because both of use inhabitants in the same household and have the same name. Ive never relinquished my credit information, nor have Ive signed documents with credit acceptance corporation. 

Fax the letter, application, and copy of my driver 's license and the other 2 documents to the fax number that was given to me on XX/XX/2022 Mail documents to : Credit Acceptance Corporation Attn : Credit Reporting Department XXXX XXXX  XXXX XXXX, XXXX  XXXX Tracking number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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

I sent dispute letters via mail in online to XXXX Transunion and XXXX, each of them the sent me results with in five days saying investigation is complete but I do n't understand how you can complete a ingestion with in 5 days. I was apart of the XXXX data breach in it is a lot of stuff on my credit report that does n't belong to me. in the following is as listed XXXX XXXX 's XXXX XXXX XXXX XXXX and also XXXX XXXX
Product: Vehicle loan or lease

On or about the month of XXXX of XXXX I reached out to Santander in reference to a payment the company misplaced and failed to notify me when they supplied the negative credit information to all three major credit bureaus. The company refused to give me feedback in reference the payment. I was hung on by multiple representatives when I requested to speak with management. I continued to make my regular monthly payments, however I requested a due date change. Although, via phone calls throughout the years I was told I could not change my due date due to delinquent account. Once in XX/XX/XXXX when I requested a due date change I was not delinquent and still was denied. In XX/XX/XXXX my brother passed away. I immediately contacted Santander and notified them as I entered a financial hardship and request to pay a portion of my loan due to the unforeseen circumstances. I was informed by a representative that it was ok but instead get an extension. When I reviewed my credit final I had two late payments reporting, which I knew nothing about. I was told I qualified for an extension for the two reported late months. Santander engaged in deceptive servicing practice and actively misled me about my rights, and risks of the partial payment and loan extension risk. Santander was aware of their actions would cause harm to me, but went ahead and did it anyway. Santander went on to continue to give reporting agencies inaccurate information about me from XX/XX/XXXX to today XX/XX/XXXX along with the previous months. I've disputed with All three major credit bureaus who directed me to SANTANDER in reference to the inacurate information. I disputed with Santander on multiple occasions. Santander failed to follow guidelines for handling disputes. I never received any call backs in reference to my disputes. Santander did not note my disputed debt nor did the company correct any of the wrong information. Through my most recent dispute to XXXX, Santander submitted incorrect information even though it had been reported. I disputed my account with XXXX on XX/XX/XXXX and Santander updated the account as open with a balance of {$13000.00}. Santander knew I paid my loan in full as my pay-off letter states XX/XX/XXXX via check certified mail. Ultimately the company failed to conduct an internal investigation of my disputes within 30 days on multiple occasions nor provided a reasonable procedure to submit a written dispute. Santander failed to exercise proper care or take action that a reasonable person would not regard to my credit information. Santander also exposed me to unnecessarily high levels of risk through high loan to value ratios, significant backend fees, and high payment to income to income ratios. Santander also violated my consumer protection by exposing me to high levels of risk and knowingling placed me into an auto loan with a high probably of default. After contacting Santander for the last time in the month of XXXX to go over my account. I was told by a representative to call my attorney general. I then asked about the fees on my account and the high interest rate I was told contact my attorney general.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Equifax Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Product: Debt collection

First of all I am not sure if this is identity theft of just a debt that is not mine. I received a transmittal fro m Transworld Systems Inc. date d  XXXX / XXXX / 17  for  XXXX  from a client named  XXXX   XXXX   XXXX    XXXX   XXXX   in  XXXX  ME. I called transworld on  XXXX / XXXX / 17  and was advised to contact  XXXX  directly. I called  XXXX  on  XXXX  and spoke to  XXXX  at  XXXX  and she informed me that the identity did not match and that she would n otify Transworld .  I received a letter from Transworld on  XXXX / XXXX / 17  stating that they would like to apologize for sent me a collection letter in error.and to be assured that this had been corrected. Today  XXXX  I received a letter from  XXXX   XXXX   XXXX   XXXX  in  XXXX  ME with the same account number but for  XXXX ! I called  XXXX   XXXX   and they said we did not send the letter, Transworld did. I then called Transworld and we went round and round again and they denied sending a letter saying that it wa s an error and could not explain both the difference in the amount owed and also the difference in the original biller. I spoke to  XXXX  the first time and he hung up on me then I called back and got  XXXX  again and asked for a manager  XXXX  and she could not make any sense out of it other than to blame the original billers!!  XXXX   XXXX   also  denied me having a bill for  XXXX . This has been happening to me over the last year and not just medical bills but also credit card bills. Several charges appeared on my credit cards that I did not make. I am so not sure what to do about this problem. The account number with Transworld is  XXXX
Product: Checking or savings account

I was over charged for over draft fees on my bank accounts.
Product: Consumer Loan

I had a personal loan with HFC beneficial. This loan had an extremely high interest rate. In XX/XX/XXXX I was XXXX. Due to medical bills an inability to work I fell behind in payments. I tried to negotiate a lower payment and make arrangements to pay with the creditor and they refused to help me. Prior to this time payments were made in a timely fashion even when they closed the brach that I usually made payments at. They continued to add fee after fee and added XXXX more years to this loan. This was a predatory loan. They used to charge {$12.00} just to make a payment online. Now my credit report is ruined because of the unfair billing practices of this company. Eventually I think this loan was transferred to XXXX XXXX. This loan was paid in full in XX/XX/XXXX. 2 years after it was originally supposed to be paid off. No explanation was ever given to the additional charges and I believe I was forced to pay fees that were undue. This company preyed on people who were desperate and then overcharged them.
Product: Credit reporting, credit repair services, 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. 

XXXXXXXX XXXX : # 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 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

In accordance with the Fair Credit Reporting act. The list of account ( s ) below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of ed/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX US dept of educatio XXXX XXXX XXXX XXXX XXXX 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 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 consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The consumer reporting agency also violated my federal rights by running a credit check on me multiple times from each of the consumers listed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is still showing on my credit report, this account was settled and an old account. It is 7 years old, it is hurting my XXXXredit score and I need it deleted so I can purchase a home for myself and XXXX children.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer pulled my consumer report and notice some unauthorized inquiries on my report. I called TransUnion, XXXX, and XXXX  stating that the following inquiries were unauthorized. These companies are in violation of 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. No consent is identity theft. Pursuant to 15 U.S. Code 1681c-2 this information should be blocked as it is a result from identity theft. Pursuant to 15 U.S. Code 1681n ( 1 ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; meaning I the consumer am owed XXXX per inquiry as each inquiry is a violation. 
I did not consent to, authorize nor benefit from any of the following inquiries. Please block and remove the following inquiries from each bureau. 
TransUnion XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

To whom it may concern : I have two credit cards with Chase. In XX/XX/XXXX, I have recently learned about XXXX interest benefits on credits card going back to XX/XX/XXXX, as per SCRA. I submitted my AD orders and got both cards down to 4 %. My issues are, XXXX XXXX was open in XXXX and XXXX XXXX was open in XXXX. I served from XX/XX/XXXX to XX/XX/XXXX, got released, and join the XXXX the same day. On XX/XX/XXXX, I volunteered for AD orders and am still on orders today. ( XXXX from XXXX XXXX XXXX XXXX Since learning about XXXX in XX/XX/XXXX, I send them my most recent orders from XX/XX/XXXX. Chase has honored the interest benefits starting only from XX/XX/XXXX. Today, I sent them my XXXX showing my AD service from XXXX and was informed that those 11 years of service can not be honored because they were not notified 9 months after I was XXXX. My complaint is, XXXX is the only legitimate government document we have to prove for VA benefits XXXX state benefits, housing benefits, student loans benefits, and jobs... but it is not good enough for the banks, i.e. CHASE to honor our time served " because they were not notified within a timeframe. '' XXXX the timeline! XXXX does not have a timeline! It does not matter if I just found out today or found out after 20 years with a pension, I believe AD members should get the differences in interest rates refunded for ANY of the time while they were on orders. My XXXX should be sufficient regardless of the timeline and when notified. I believe this should be fixed. I believe the clause to notify the banks within 180 days or 9 months should be looked at. Unbelievable. 

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

The Credit Bureaus stated that my account was properly investigated, but that cant be possible because there are multiple inaccuracies on my report including : Date Opened, High Credit, Date Last Reported, Date Last Active, Date of Last Payment. 15 U.S.C 1681 SECTION 602 A. States I have a 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 instruction. The following accounts are included : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2021 XXXX deposited XXXX in my account and then capitol one froze my account and said they was closing it and have not and I can't get my money until they send it back to the sender and I've tried calling and emailing and still can't seem to get no one or response at this point I don't know what else to do so my money is sitting in this account and they are collecting interest all I want them to do is return the money to XXXX and they wont do that.
Product: Money transfer, virtual currency, or money service

Hi there, I have a account in the platform for cripto currency called Coinbase Inc. I have lost my password and I can not get it to my account. I submitted a ticket tru their customer service ( ticket number - XXXX one of many ) on the XXXX of XXXX. But no response from them till XXXX th of XXXX when they reply to me. They asked me to make a new coinbase account with my new phone number so they can connect my old account with my new and they will delete the old account. Since then I do not have reply from them. I'm trying to reach the tru email, XXXX, XXXX and no reply what so ever. 
If that can help I know the address of the headquarters : Coinbase , Inc . 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX I lost my job during the coronavirus and I need to pay my bills. So really hope someone will hear me soon. I feel that no one is there to help me out. Please help me. 
Many thanks XXXX XXXX