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

I have contacted SANTANDER XXXX several times to get my credit reporting corrected. This was a loan for a vehicle that my ex wife kept possession of, and also took responsibility of the loan. Per marital settlement. She had stopped paying on the loan without my knowledge and all of my info was removed from the account address, phone numbers, and email address was all removed from the loan without my knowledge, and no way of knowing this. I have escalated all the way up SANTANDER XXXX and they said they would not do anything to assist. I was told they did not care about the documentation or anything. This has been going on since XX/XX/2022.
Product: Credit card or prepaid card

1. American Express website was difficult to navigate in terms of disputing transactions in previous billing cycles. 

2. XXXX charged me the same transaction of XXXX thirty times. 

3. I would like 29 of those transactions refunded.
Product: Credit reporting or other personal consumer reports

The following accounts and inquires are listed on my credit report inaccurately according to the FCRA these accounts and inquiries must be investigated and removed withing 15 days please investigate the following accounts and please provide the following information the person you spoke with the original credit the original account numbers and any payments made on this account or these DEBT can not be validated the following accounts are lited as 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 ANY OTHER ADDRESS SHOULD BE REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 
I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate!
Product: Checking or savings account

I have a checking account with Bank Of America I deposited a check on New years day at the atm. The bank is holding the check and giving zero funds availabilty for 11 days even thought hey have received the funds on the first day. I spoke to the operations manager in person at the bofa branch to request the minimum funds availability of XXXX on the first day after deposit and she would not release funds until 11 days have passed. Meanwhile they have my XXXX and I can not pay my car payment on time without being charged overdraft fees. It is unfair for bank of america to withhold my funds for 11 days. I suspect they are using this money in a pool of funds to earn interest at my expense. I consider this lack of regard for small account holder to be a breech of trust and therefore my only recourse is to close my account at bank of america and deny them my business of 10 years of fees. I would fine them in a class action as I know this practice is common and widespread.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXX Balance : {$5200.00}
Product: Credit card or prepaid card

I purchased in my vanilla card and added approximate {$250.00} To the card. There was some kind of miscommunication regarding the ownership between my mother and I we both called in and claimed we both use the card. My vanilla gift card would not finished her ongoing investigation until I called yesterday the XXXX only to find out that the funds are no longer valid. The company is retaining possession of the funds I put on the card
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX Balance Owed : {$990.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$25000.00} 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

Equifax XXXX and XXXX have accounts on my credit profile that is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dept of education XXXX XXXX XXXX These are not my accounts
Product: Credit card

I received a letter from XXXX XXXX regarding my account- the letter stated that my account would be closed due to recently updated information on my credit report. I called the creditor and asked what was going on. The lady who I spoke to explained that my account was being closed due to a late payment from a different creditor being updated as 30 days late- I explained to the lady that the late payment from the different creditor was incorrect, it was a system error and it's being updated soon- I also explained I had documentation to prove it. I explained that if she reviewed my credit report holistically that she would see the dispute and the remarks. She became rude and said " Well, okay- the account would have still closed because the credit usage is high '' - I then explained, it's high because my credit limit was dropped by their company and that I haven't paid the balance off because I am on a promotional plan. She became VERY aggressive and short with me saying that NO MATTER WHAT the account was going to be closed because I am a " risk ''. I explained that I have had my account with the company for YEARS, I have never paid LATE, and I have made several purchases with my card and I have NEVER had these issues until the late payment ( Which is NOW removed and updated on my report ) was added. She refused to listen- she did not attempt to assist me with an appeal of anything. PLEASE PULL THIS CALL. - The rep 's name I spoke to was XXXX ID # XXXX. Please be sure to coach her on customer service, relating, and just overall checking for understanding.
Product: Credit reporting or other personal consumer reports

My account with XXXX AND XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I attempted to fix with the rental property because they stated that did not provide 60 days notice to vacate in writing which was provided. As I was in the process of my last week they stated that they did not have a 60 day notice and I had to provide another and pay for another month. the rental property was provided key and a additional notice to vacate. I attempted to work this out with the apartment but I had provided documentation and spoke with a agent regarding my 60 day notice and had to go to my new home. I was not aware of the debt until pulling credit report on XXXX XXXX. It also stated that I had a eviction on record regarding this however i provided 60 day notice and was gone before the day of the end of my 12 month lease. I am getting calls from TRANSWORLD SYSTEM INCXXXX this is not the original creditor XXXX XXXX XXXX XXXX My security deposit was also taken due to damages, that werent all a result of my residence there.
Product: Student loan

I had student loans taken out in XXXX. Navient bought out Sallie Mae, my servicer. Navient has not submitted information to XXXX XXXX ( DOE ) that payments were made prior to them buying Sallie Mae. Navient has that information because I can see it when I log into my payment history. It shows XXXX to XXXX. But what was submitted to XXXX was XXXX on. I can not get my XXXX qualifying payments because not enough exist at XXXX. It's been a full year since requested and Navient has not sent on my full payment history. 

My loans from XXXX should also count but those were with DirectLoans, and XXXX and XXXX but those put me far over so I don't need them as much as I need the ones from Sallie Mae and Navient. 

At no time did I request changes in servicers, the switching was at their business end selling my loans.
Product: Credit card or prepaid card

I have contacted Zales/Comenity Bank several times on their unfair credit practices. As explained before I did not sign a contract which stated I would have 18 months interest free deferred. I was told by my the sales person I had free interest for 18 months, otherwise I would not have purchased a XXXX ring from this company. My ending balance with the company when the 18 months were over was XXXX when the " promotion '' ( XXXX didnt agree on ) was over by new balance was nearly XXXX once again. I have attempted to fix this with the company for over a year. They attempted to fix it last month but refused to correct the balance. I have attempted to fix this issue with the bank for over a year now. I would like for them to do the right thing and correct it to the original balance of XXXX, I will gladly make payments and pay interest on the corrected balance. I would also like to see the contract " I signed. '' I never signed this promotion nor did I receive a copy. If not then I will have to seek professional advice. I made payments while they were fixing the issue in good faith, only to be given the uncorrected balance once again. I have stopped making payments once again due to the unfair credit practices the company is practicing I do not agree with the balance they are reporting nor did I sign this contract. I made payments on time every month always above the minimum balance. I have been an excellent consumer to the company, until the issue came about and they refused to clarify or fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved a copy of my background check. The information below in not correct. I have never lived in XXXX County. I have only ever lived in XXXX County. Someone must have used my name or information. Please remove this from my criminal background check. 


Date of Search XX/XX/XXXX Search Period XX/XX/XXXX - XX/XX/XXXX Address Covered XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address City Covered XXXX Address County Covered XXXX Address State Covered MN Location XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX COUNTY Given Name Searched XXXX XXXX XXXX Source Status History Status Date Description XX/XX/XXXX XXXX XXXX Search in progress. Estimated completion by XX/XX/XXXX Order Process History Date Description XX/XX/XXXX XXXX XXXX Search In Progress. 
XX/XX/XXXX  XXXX XXXX Search In Progress. 
XX/XX/XXXX XXXX XXXX Record Judged. 
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Product: Debt collection

I have received a couple phone calls from a company named Proficio Financial services regarding a debt of {$500.00}, plus some additional fees. I am currently out of town, and intend to request proof of the validity of this debt as I have no record of owing this amount, nor does it show on my credit report. 

Today, XX/XX/2018, I received a call from them at XXXX but was unable to answer at that time. They then called again at XXXX and the representative claimed to know my grandmother, including using her correct name, and said they would call her to see if we were related, or I could return their call. 

I sent an email through their contact us page on their website stating that I will not be taking any of their calls at this point, all contact with me must be done by email, and that I am filing a complaint regarding their actions.
Product: Checking or savings account

On or about XX/XX/year> I submitted an online application to open a " Smart Advantage Checking '' account with BMO Harris Bank online. I did this as I was closing out my online account with XXXX XXXX XXXX and wanted a bank that had a local branch available. BMO Harris Bank does have a branch in XXXX XXXX, Mo. 
After completion of application I was notified via email that my account was open and my opening deposit of {$40.00} was approved and in my account. I also was able to set up my online banking at that time with a username and password. 

That was all I was able to do. After I tried to login the next day and found suddenly my account ( oh no ) no longer existed! I called as soon as I could ( I had to borrow a friend 's phone ) and was hung up on twice.. then when I did reach someone of gumption, was told my account had been " frozen '' and I would have to go to the local branch to sort it all out. 
I did go to the local branch even though I have a severe XXXX  issue and had everything with me ( I.D ., SS card, Birth Certificate, Bills, Proof of adress ) and the bank manager asked me a bunch of background info. Took over an hour. STILL left without my debit card or money. She said ( XXXX the bank manager ) that she sent an email and was waiting for a response. 
Next day I get an email from the bank manager telling me my account is still frozen, my money is missing, and will most likely never be funded because they can't find my deposit, and I will have to go back to the branch AGAIN to unlock my account. THIS IS CRAZINESS!!! 
Now I get two debit cards in the mail today. What? Why are there two accounts opened? I need to know what is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX Debt Recovery Solutions , LLC XXXX XXXX XXXX XXXX XXXX NY XXXX To whom it may concern : I am writing to you because you are reporting inquiries on my credit report that I do not recall. 
Please see items listed below : Debt Recovery Solutions , LLC Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately. 

Sincerely, XXXX XXXX
Product: Student loan

My loan is in deferment and it shows delinquent and past due
Product: Credit reporting, credit repair services, or other personal consumer reports

They show that I owe XXXX card {$930.00} which is wrong this card/loan was paid off as of XX/XX/2023 there is a XXXX balance I have disputed this time and time again the card is telling them there is no balance again someone is not doing their job. This could have been verified with a phone call to XXXX  and TransUnion does have the number.
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. 

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 Have all 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

Bank of America reported I was overdue in payment, and reported as late payment. 
Actually, its about an autopay failure because when I changed my bank details after closing the old bank account, I was guided by Bank of America customer care how to do it. It turned out that the autopay set up with customer care wouldnt cover the first payment due under the new bank account which, if I was advised, I could have the next payment coming due. 
So I called Bank of America and was told the reason, All my credit card accounts are set up for autopay for XXXX statement balance because XXXX XXXX and want to avoid this kind of problem. 
I called Bank of America again today and was reassured theyd correct the problem with credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the accuracy of my credit report. After reviewing my report, I have identified several erroneous accounts that are negatively impacting my credit score. According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information on credit reports is accurate and up-to-date. I am requesting that you investigate these accounts and make the necessary updates to ensure that my credit report is accurate. The following accounts are erroneous and should be corrected on my credit report : XXXXXXXX XXXX XXXX XXXX Balance : {$27000.00}. I have included a copy of the dispute letter I preciously sent for your reference. I would appreciate it if you could provide me with an update on the status of my dispute within 30 days as required by the FCRA.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. ive checked my credit an noticed all info listed is reporting illegally an fraudulent information to my credit report. this has caused major delays an alot of denials. this needs to be corrected. please review an remove all information to help clear my credit asap.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT, XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS./ 15 U.S.C 1681 SECTION 602 A. STATES | 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested on XX/XX/2022 evidence to support why they maintain incorrect information in my report and you have not provided it to me for that reason and as the law says XXXX reporting agencies must correct or eliminate inaccurate information, incomplete or not verifiable. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. For this reason, I request that the accounts described above be deleted based on the FCRA
Product: Money transfer, virtual currency, or money service

a lot of money was sent out of my account that wasnt authorized by me to someone else I have reported the issue multiple times no issue was resolved I have all regulations and went the the policy there was no help from and staff member no email no nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX has noted my account as in FORBEARANCE. I have made all of my payments including additional payments. My credit score has dropped 20 points as a result of " deferred payments notation '' that I did not request. I have reached out to them to remove this immediately with no response. I Have made 2 payments of {$500.00} in a matter of one month instead of one {$100.00} payment to show I do not want any assistance. As a result of their incorrect Remark on my credit report, my credit score dropped by 20 points or so. I need this fixed asap because this is causing damages to my potential loan options for future purchases. I need this repair asap. This is an illegal practice. I have a contract with the bank and have met all of their stipulations. To dock my score illegally and force me in to a " forbearance '' is false pretense. I need this resolved immediately. Please advise me on future steps I can take. This is causing massive financial damage to my purchasing power / cost to borrow. I need this resolved.