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

Dear CRA/CFPB ; XXXX XXXX XXXX ; ***see attachments*** I was going through my credit report again this morning, and Im so sad, depressed, stressed out on the way this account from Santander XXXX XXXX XXXX XXXX XXXX ( # XXXX ) is still reporting on my credit report, and it looks like you completely ignored my previous request to investigate and delete due to several violations, inaccuracies and inconsistencies but yet, you sent me an random genetic letter saying that you VERIFIED as accurate. 

I believe I have the right under consumer laws, such as FCRA to request as such. Ive attached and circled some factual errors on this account ; such as inconsistencies with payment history, payment status, dates of last active are so different between XXXX, XXXX  & Equifax, XXXX, XXXX, etc, different dates of last payment, different dates opened, different last reported, questionable balance, responsibility status, questionable HIGH balance, etc.

This is obviously errors and violations and demand an immediate deletion from all the 3 major credit bureaus, because Its impossible that this account can be investigated as being accurate due to it being misleading, inconsistent, inaccurate, incomplete, and unverifiable, and therefore its not in compliance with the consumer laws.
Product: Mortgage

Divorce decree required me to remove spouse from loan documents, I had until XX/XX/XXXX. That date has come and passed. Luckily for me I suppose my ex is not pressing me with enforcement of decree at this time. Original application with lender submitted in XXXX, I was told loan was being transferred to another lender and would need to wait until loan was fully " received '' received or processed at new servicer, even thought hey are the same companies '' XXXX and Newrez. 

XX/XX/XXXX : Submitted application for Assumption XX/XX/XXXX : emailed a request that application had been received and what to expect. 
XX/XX/XXXX : received an email from " XXXX '' at lender stating a team member would be in contact. 
XX/XX/XXXX : Emailed lender " All good thanks '' Multiple undocumented phone calls to service center in the interim XX/XX/XXXX : Emailed again request for information XX/XX/XXXX : Called at XXXX request for information the agent stated they do not have any way to communicate with Assumptions department and gave me an email address to contact for info. I informed the agent I intended on filing complaint with CFPB and she then said she would file internal complaint XXXX XXXX
Product: Checking or savings account

I found a charge on my debit card for {$150.00} It said XXXX XXXX ( deleted ) XXXX I called the Bank and submitted a fraud report. 
I found out the money was received by a XXXX XXXX XXXX 65 miles east in XXXX Ca. The bank suggested I call them, the bank gave me their number, they were closed. 
They have no branch in XXXX XXXX. They have a bad reputation in their industry. 
Citi bank credited my account then sent me a letter saying I was responsible as the card and PIN were present at transaction! They took my {$150.00} out of my account which caused me to be overdrawn, I took care of that depositing more money. I went to my branch and asked for help. We ( a very nice teller and assistant branch manager at the end ) spent close to two hours with their fraud department, rude and not caring. Supervisor wouldnt budge, I have no business with any home health care at all. I was in XXXX XXXX and XXXX all day including an oil change at ( name available ) I asked if the had contacted The recipients of my money in XXXX? 
She ( the supervisor ) said no to which I asked what was your investigation comprised of? She would not allow us to talk to back office where decision was made, they dont take calls. 

I was shocked, it is very plain to see this was NOT in my Spending Pattern they didnt bother to do anything to investigate, these people could be an organized fraud ring, Im not in the capacity to do an investigation myself, it could be dangerous. 
Some how, my Card was compromised and they got my PIN. The tire place did have my card out of my sight. Thats the only theory I have. 
They ( fraud department ) would not listen to my very sound reasoning. The branch was great but unable to help, assistant branch manager said wait a few days to get your money redeposited. I have heard Nothing from them since. The first investigation I was getting frequent messages ( emails ) with updates. 
Now nothing. It is obviously a fraud ring of some sort and they do not care. Other people are being victimized Im sure. Citi bank fraud department does not care. Small potatoes to them but stiff the customer fraud victim ( me ) with the obvious theft. 

The Fraud department is lazy and ineffective. 
Citi Bank should be ashamed. 

Please let me know any other info that is needed.
Product: Payday loan, title loan, or personal loan

Per review of XXXX credit report from XX/XX/2018 I discovered a payday loan account that I had no knowledge of and a validation letter was sent out requesting more information. On XX/XX/2018 I reviewed my credit report again and noticed that the account was updated to reflect as disputed however requested validation information had never been received and a 2nd validation letter was sent out. On XX/XX/2018 credit report was reviewed once more and the account remains on my credit report, affects me negatively and I still have not received any validation.
Product: Checking or savings account

On XX/XX/2022, I mailed a check to Citi deposit department to deposit a check of XXXX from my XXXX  account. XX/XX/2022, the check was not cashed and I called Citi. Citi agents told me they did not receive my check, so I requested them to close my account. XX/XX/2022, the check was posted from my XXXX account and the transaction date was XX/XX/2022. I called Citi and asked where is my XXXX. They told me my account was closed on XX/XX/2022, so the check was not processed successfully and suggested me asking XXXX where is the money. I called XXXX on XX/XX/2022 and went to XXXX branch on XX/XX/2022, I was provided the document that money was cleared and released to Citi bank. I kept calling Citi from XXXX asking for the money. I was told my check was never deposited successfully. I got a statement on XX/XX/2022 dated XXXX, with XXXX balance and no transaction. I recoreded XXXX of the agents names I talked to XXXX, XXXX id # XXXX, Ref # XXXX, and XXXX claim # XXXX.
Product: Credit reporting

I checked my credit report on Experian XXXX weeks ago and noticed that they are reporting negative remarks on XXXX of my student loan accounts almost XXXX years AFTER it was paid in full and closed. It was paid in full and closed in XXXX of XXXX, but on my report they had an updated remark stating that it was a " collection '' as of XXXX, which is not accurate. I felt it was hurting my score so I disputed it as incorrect information. 

When the dispute came back Experian updated it as a " collection '' current as of XXXX of XXXX, and because of that my credit score took a XXXX point drop after the result of the dispute of the XXXX accounts. In the eyes of FICO, this is considered a new negative account. As of now I 'm paying, from a credit score prospective, for these negative accounts XXXX! They are not set to fall off until XXXX, so it 's not fair I get hit with score penalties XXXX. I 've come a long way and to be penalized a XXXX time is not fair, but more importantly, not accurate. 

So out of frustration I called Experian and spoke to a lady who said that is incorrect on my report and that they ca n't report an account as a collection XXXX years later after it was paid and closed. She stated that she would re-dispute the accounts because that is not correct. She assured me it would be fixed this go around in disputes. She did also say the reason it was being reported as such is because that is all the information they have ( which again is not true per my report from XXXX ). So I called XXXX and spoke with their credit reporting department and a gentleman told me that he will send correct information to Experian to alleviate this error. 

This morning the XXXX round of disputes came back and my scores took another XXXX point drop. This is beyond frustrating because this is now a XXXX time I 'm paying, score wise, for a negative account which accounts for a XXXX point drop in my FICO score for an error. It 's simply not correct. I 've exhausted all avenues with both the loan provider and Experian ( XXXX ) to correctly report my accounts without resolve. There is nothing more frustrating than having proof that this is incorrect and nobody does anything to help correct it. I 'm hoping this with get resolved with CFPB. 

I am uploading the current report that I received from the dispute as of this morning ( XXXX/XXXX/XXXX ), along with my report from XXXX of XXXX showing the accounts were paid and closed at that point in time, and also a letter directly from XXXX as of last year ( XXXX ) stating the same exact thing as my XXXX credit report. Experian did not take any regard to this letter, or their own report I sent them from XXXX. 

As far as the outcome I 'd like it to be reported correctly. In other words have all XXXX accounts last reporting mark as of XXXX and nothing on my report for the last XXXX years. 

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

There are incorrect addresses on my record. I tried resolving this issue with the company, but they said that ID information did not match. They asked for creditors with whom I have loans and the most recent payments. That information was given and I was told it did not match what they have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Opened savings account with Western Alliance Bank on XX/XX/year>. 
APY was to be 5.11 %. Today XX/XX/year> my funds are still pending in the account not posted. Their website today states 5.11 % but when you go to open account the APY is now 5.01 %. False advertising! 
My funds will now go down to 5.01 as of today and they are not even in the account yet. I deposited {$500.00} minimum but was going to add an additional {$100000.00}, but had to wait until XX/XX/year> to do that. 

The Deposit Account Agreement ( page 8 ) that I signed states that the account can be joint but when I opened it online you could only set up a beneficiary. They told me joint accounts don't start until end of year. Why is it in the agreement. Deceptive account opening agreement. 

I was not told I was going to be recorded, but the team member did tell me I was when I asked. True or False?
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to get a mortgage loan. The company I used says they used XXXX to pull all 3 reports. I was tod that that Experian report was locked because I was XXXX military. It also showed my date of birth as XXXX, my date of birth is XX/XX/XXXX. It had many other mistake as wll. Every time I found a new issue it would start the clock over on their system to update. I made at 10 calls to correct issues. Finally on XX/XX/XXXX I was told everything was corrected. I checked today and still can not access my score, and information is incoreect. I don't want to call them again because they will start a new dispute and the clock stars over again. I've never been in the military. I called Experian and was told that these issues were corrected and it would take about 30 to 45 days to reflect my report. I don't know what else to do. Interest rates are going up. PLEASE HELP. 
The other 2 bureaus are showing updated accounts.
Product: Mortgage

We had our home mortage with Capital One Bank and when we got ready to sell we got a pay off from them. we were suppose to close on the XXXX of XXXX and so they sent pay off to title company. When we found out we were going to close on XXXX of XXXX instead we called them and asked for another pay off. We did have a account with Capital One and had closed our account around XXXX of XXXX. Anyway they said on the phone everything was ok and so they sent new pay off to title company for XXXX XXXX. The agent at title company sent extra since the XXXX was a holiday and knew it would not get to bank til XXXX. On the XXXX of XXXX. I got a call from bank telling me that we owed another XXXX because the house loan was not paid off. I went and tried to pay the payment but was told first they would take cash then told they could n't take cash they needed a bank account which at that time I gave them. Then I was told it was now XXXX because of interest. When I got home I called the title company and they said they got both pay offs and went by the latest one. They sent what the bank reported to them and I did n't owe them because it was the banks mistake. The bank says my XXXX payment was not made and that was the reason. My payment was due on XXXX of XXXX but had 15 days grace and since we were paying off on XXXX they were told no payment was being made. My problem is when the title company and I called the bank they said they only up date and send new payoffs when asked. We had already gotten XXXX payoffs and they made the mistake and yet we were suppose to pay for them not doing their job The bank was called because they had loan and it is their job to figure out what is owed in order to close loan out.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX  Original Creditors - ( XXXX XXXX ) Account name : XXXX XXXX XXXX  - Original Creditors ( XXXX XXXX ) Account name : XXXX XXXX XXXX  Original Creditors- ( XXXX XXXX XXXX XXXX XXXXXXXX ) Account name : XXXX. XXXX XXXX XXXX Original Creditors- ( XXXX XXXX ) However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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.

15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 604 A states a consumer reporting agency can not furnish a accont without my written instructions.
Product: Credit card

My credit card was stolen and used for multiple transaction in different cities, states, and countries. I have asked Navy Federal multiple times to file a fraudulent report. the transactions were refunded, but then reversed again by navy federal. I filed a report with the FEDERAL TRADE COMMISSION and attache the identity theft report along with a copy of my drivers license.
Product: Debt collection

I received a notice in the mail regarding a debt for utilities for a property I lived in ove r two years ago. I called CBE to let them know that I had no outstanding debt with my utility company and that thi s is the first hearing about it since I moved. They told me they were the third company to receive the collection. Again, this is the first collection attempt I have received and I have not moved since. Not only that, but there is n't anything regarding this " collection '' on my credit report. Not now, not at any point in th e past two an d a half years. They told me to mail them a dispute letter in the mail, but it will probably be ineffective since they are the third company to receive my " debt ''.
Product: Credit card or prepaid card

I started a dispute on XX/XX/XXXX with Discover credit cards because I was charged by XXXX XXXX {$1300.00}. As of today XX/XX/XXXX, Discover said there is nothing they can do to assist in the remediation nor will they offer a credit. 

Background On XX/XX/XXXX, I made a purchase from XXXX XXXX for a suspension for my car. I received the wrong parts, they admitted this in writing ( attached ). I reached out to XXXX  multiple times to get an RMA or exchange so I could send the parts back for a refund. They ignored all of emails for the request which I made on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX along with multiple phone calls. 

Discover said that their hands are tied and I need to pursue other avenues to remediate. My question is " what other avenues ''? I've tried everything.. 

All of the documents attached have been reviewed by Discover in making their decsion My request is for Discover to issue a credit for {$1300.00} along with accompanying interest on that amount, {$46.00}.
Product: Credit reporting or other personal consumer reports

I sending my dispute letters several times and receiving email from the bureaus saying I'm not the one who send out letters. which is definitely wrong because I'm the one who create and send my letters please take an action regarding my concern delete this accounts asap! 

Account Name : XXXX XXXX Balance : {$800.00} Account Number : XXXX Date Balance : XX/XX/XXXX Account Name : XXXX XXXX CO XXXX : {$15000.00} Date Balance : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$11000.00} Date Balance : XX/XX/XXXX XXXX XXXX XXXX Account XXXX Balance : XX/XX/XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

Complaint against Fidelity National Financial , Inc ( FNF ) XXXX XXXX XXXX XXXX XXXX dba ServiceLink ( various shell corporations ) for fraud and impersonation as " XXXX XXXX '' ; " VA '' and " FEMA '' I am a victim of XXXX XXXX 's criminal enterprise FNF operated by several people who created numerous shell corporations acting under names of XXXX XXXX XXXX XXXX ( former XXXX XXXX XXXX, inc/DocX, LLC ) and ServiceLink which are incorporated by FNF trusted XXXX XXXX XXXX XXXX XXXX lawyer who holds about 724 jobs in various FNF shell corporations ; XXXX XXXX XXXX lawyer who holds about 487 jobs in various FNF shell corporations ; lawyer XXXX XXXX XXXX holds 607 jobs in various FNF shell corporations ; XXXX XXXX XXXX XXXX XXXX XXXX jobs in various FNFshell corporations ; lawyer XXXX XXXX XXXX holds 10 jobs ; XXXX XXXX XXXX 55 jobs ; and XXXX XXXX 607 positions. These six people, all employees of FNF, registered and operate 15 various ServiceLink companies in California alone My entire transaction called " VA Loan '' with alleged " Lender '' XXXX XXXX  was originated and processed by XXXX XXXX 's FNF in California, XXXX where his employees acting as XXXX XXXX ServiceLink posed as FEMA to place me under forced Flood Insurance to cause financial hardship and VA on whose behalf XXXX XXXX XXXX employees sent me various Notices and letter. 

XXXX XXXX 's FNF is also a claim processing agent for First American Title ( FAM ) - who deceptively sell bogus " Title Insurance Policies '' to homeowners via chain of sham conduits like Bell Title- which neither FAM or FNF are not going to adhere. 

On XX/XX/2022 someone sent me flagrantly fake " VA Partial l Claim " and " Modification '' acting as FNF 's ServiceLink in XXXX XXXX XXXX XXXX XXXX Ca. 

I submitted my Complaint with CFPB against ServiceLink demanding explanations and validation of this " VA Partial Claim '' To my surprise, this complaint made a detour to Fidelity National Financial , Inc. before it was purportedly submitted to ServiceLink.

On XXXX XXXX XXXX someone responded me purportedly from ServiceLink with absurd runaround. 

FNF repeatedly said that my Complaint does not belong to them XXXX XXXX and his FNF must explain to me and CFPB why my complain does not belong to them if ALL manipulations with my fake " VA loan '' ; fake FEMA Insurance ; fake " Servicing '' by Caliber and PennyMac ; and fake " Modification '' and " Partial VA Claim '' are all done by XXXX XXXX ; XXXX FNF and its six trusted employees XXXX, XXXX, XXXX, XXXX, and XXXX who send instructions to various XXXX XXXX  via secured messages from secured message which documents they need to send me; under glimpse of " XXXX '' and its " employee '' XXXX XXXX '' who is likely a ficitious name for someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Identity was stolen from a data breach. When I was notified by XXXX 's Fraud department that I had fraudulent credit inquiries for attempted credit cards, I started creating account with the three credit bureaus to freeze my credit. The person attempting to use my credit already created an account with Experian, with his/her email address, so any attempt to open an Experian account sends a username/password change to them. All attempts to speak to a representative with Experian have failed. The automated service doesn't allow to report fraudulent Experian accounts. Any action to correct the situation is timely, allowing continued fraudulent attempts to open accounts in my name.
Product: Student loan

The company shows that I am making a {$26000.00} per month payment. I am not making that payment. The account was turned over to a collection agency, but it is not show as discharged with the original company.
Product: Payday loan, title loan, or personal loan

I needed {$5000.00} in a hurry and I took a loan with Net Credit processed through XXXX XXXX. I paid {$2500.00} and went to pay the loan and they told me that I still owed {$4700.00}. The interest rate charged was 65 %. Kentucky dept. of financial institutions suggested that I contact you to make you aware of this fee. It appears that XXXX has the appropriate disclosures and does present the terms of the loan in their Truth and Lending Disclosure, including the interest rate. While I signed the attached contract, I was planning on paying it off in XXXX, then the pandemic hit and was unable to pay it because of financial restrictions of The Pandemic. I want to pay this loan off asap. Please advise XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Updated; Rating. Here is how this account appears on your credit report following our investigation. 

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