23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I deposited a check into my citi checking account on XX/XX/2024 next dsy i see thst citi put a hold on the funds. after calling their fraud dept they then tell me my account is beung closed and i wont have access to my funds until XXXX  days after my account hsve since been closed. I was nit provided a reason as to why this is happening as the check deposited is cashiers check that XXXX XXXX issued me after i had closed my account with them, i even called XXXX  and was told the check was valid i did nothing wrong in this situation and having my account wrongfully closed
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018 I received my annual credit report from XXXX XXXX which contained a number of items that did not belong to me and was seriously affecting my credit score. Among the accounts reported in error that did not belong to myself was from AFNI ( ACCT XXXX ) in the amount {$270.00}, for a XXXX Account I never had. 

On or about XX/XX/2018 I drafted a letter to XXXX XXXX directing the wrongfully reported items be removed pursuant to 15 USC 1681 ( i ) including that of AFNI. Said letter was send via facsimile to XXXX XXXX XXXX with confirmation of fax received. ( A true and accurate copy of letter and fax confirmation are attached to this complaint ). On or about XX/XX/2018 I received a completed dispute notice from XXXX XXXX in which they removed most of the disputed items, however AFNI remained, claiming it was verified. On that same date, I also contacted AFNI and demanded any contractual documentation from the original creditor and anything with my signature, or the assignment contract from the alleged original creditor to AFNI giving them authority. AFNI has never responded, because the information regarding myself does not exist. 

On XX/XX/2018, I drafted a second dispute letter to XXXX XXXX directing them to remove the AFNI account as it is not mine and any verification of same would be fraudulent. XXXX XXXX again did not remove the AFNI account. 

OnXX/XX/XXXXI faxed to XXXX XXXX a Request For Method Of Verification pursuant to FCRA 611 ( a ) and FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) for the AFNI account ( copy attached and fax confirmation attached ) to which they have fifteen days to respond under the statute. As of XX/XX/2018, XXXX XXXX has not responded in any fashion therefore on that basis alone the account must be removed. 

It is not my responsibility to do what is deemed XXXX XXXX 's responsibility under the FCRA as it the credit reporting agency 's legal obligation to make sure that what they are reporting is truthful and accurate. When a consumer informs the agency that the reporting is in error or fraudulent, the credit reporting agency as a heightened duty under the statute to do a proper and complete investigation. All XXXX XXXX would have to do is demand from AFNI any original contractual documentation by and between myself and the original creditor, which they would then find out it does not exist. Also, as the account is not mine, I can not give them any supporting documentation as there is none to give. 

Because I have disputed his claim 3 times with XXXX XXXX as well as the collection agency, and because I have received nothing by way of supporting documentation from either, the AFNI account must be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported an account opened fraudulently to Santander Bank using my personal information in XXXX of XXXX. I completed their fraud packet, returned all the materials, and have been following up with them monthly and they have not corrected the information being reported to XXXX XXXX or XXXX, nor removed the accounts from these reports as they were opened fraudulently
Product: Debt collection

In XX/XX/2024, I discovered a XXXX utility bill had been opened and placed in my name without my authorization. I did not open this account, did not reside at the service address, and have no knowledge of who did. This appears to be a case of identity theft or unauthorized use of my personal information. 

I contacted XXXX and explained the situation, but the account remains in my name and was reported to collections, negatively impacting my credit report. I requested proof of service, a signed application, or documentation that I authorized the account, but was not provided any. 

This account is fraudulent and I am not responsible for the charges. I am requesting that it be fully investigated and removed from my credit report.
Product: Checking or savings account

Good afternoon, Someone got into my car and stole my bag with my personal items In it along with my daughters medicine. I called my bank to inform them because I immediately noticed charged to my debit card, I called them with enough time for them to block charges but was told to wait a few day only for them to tell me they are taking my debit card privileges and no reason. I asked for an appeal which they said someone will call me with in 48 hours and nothing yet. I have been unable to use my card or XXXX XXXX. And they said this is for 12 months. Please help me. They havent even given me my provisional credit
Product: Debt collection

STAFFORD GROUP ASSOCIA is reporting an account in the amount of {$2300.00} on my consumer credit report. I do Not know this company. I have NEVER done business with this company. I have never signed a contract with this company for anything. I have NEVER given permission to anyone verbally or in writing to pass my information to this 3rd party company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a copy of all outstanding, outdated information along with unauthorized inquiries to Experian, XXXX  and XXXX XXXX requesting the removal of the above items and it's been thirty days and I haven't received any reply or letter back from any of the agencies in a timely manner based on the CFPB reqirements under the law I reviewed my credit report and came upon and some alleged Inquires. I do not recognize the accounts/cases names for what it is. Therefore, I am demanding under the FCRA # 604 you provide me the following : Proof I initiated the inquiry, Permissible Purpose, Written Authorization ...
Product: Credit reporting

There are some wrong information on my credit report and they are not belong to me!
Product: Credit reporting

I was a victim of identity theft and requested that TransUnion place a security freeze on my consumer credit report. I sent TransUnion my request along with documentation of my identity and status as a victim of identity theft that satisfied the statutory requirements of my state of residence, Nevada. TransUnion would not place the security freeze on my report, stating that my documentation was insufficient. TransUnion was and still is incorrect in their assertion, as in my previous complaint, it was clearly outlined what the statutory requirements were to be considered a victim of identity theft in the State of Nevada and all documentation submitted to TransUnion complied with Nevada Revised Statutes for having a security freeze placed on my consumer credit report. Furthermore, as a victim of identity theft, TransUnion is barred from charging me a fee to place the security freeze, to temporarily lift the security freeze, or to remove the security freeze. However, when I attempt to temporarily lift the security freeze from my TransUnion report, TransUnion is requiring I pay a {$10.00} fee, in violation of Nevada Revised Statutes. 

TransUnion only complied with the law requiring them to place the security freeze because of a CFPB complaint. However, TransUnion is still violating Nevada Law by attempting to charge me a {$10.00} fee to have the security freeze temporarily removed. 

As I have stated to TransUnion and in my CFPB complaint, my documentation fully complies with the requirements of the laws of the State of Nevada. TransUnion has yet to respond directly to my messages and complaints, or to point out which Nevada Revised Statute with which my previously submitted documentation fails to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union has refused to update my credit history with XXXX XXXX the balance is paid in full.
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX  continually violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act. XXXX XXXX XXXX contacted my in XX/XX/XXXX though the telephone, stating that I owe them money based off a collection account I had with XXXX XXXX. I instantly told them that I was in the process of paying this debt off with XXXX XXXX XXXX. I had disputed this account with XXXX XXXX in XX/XX/XXXX and they furnished account verification within 30 days. I setup a payment agreement and completed it.

After speaking with XXXX XXXX in XX/XX/XXXX, I emailed them the information they requested on XX/XX/XXXX on my payment agreement with XXXX XXXX, and I requested account verification from them. The company never responded to the email or furnished account verification to this day.

They proceeded to place a collection account through all 3 credit bureaus. I instantly disputed the accounts and they were removed. They again were placed there in XX/XX/XXXX and I disputed the account again. I contacted XXXX XXXX XXXX  on XX/XX/XXXX and furnished the payoff letter from XXXX XXXX The account was removed again, only to be placed back on there multiple more times since.

XXXX XXXX XXXX has violated my rights under the Fair Debt Collection Practices Act : 1. They continue to try to collect a debt they have knowledge has been paid and is not owed to them.

2. Threatened legal action against me 3. Furnish false information to the credit bureaus ; XXXX, XXXX, XXXX. XXXX XXXX XXXX has violated my rights under the Fair Collection Practices Act : Fair Debt Collection Practices Act Section 809. Validation of debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX XXXX, is required by federal law to verify through the physical verification of the original signed certified consumer contract of all accounts I request to be posted and or reported on a credit report.

I have submitted multiple complaints through the Consumer Financial Protection Bureau to no avail. How can a company continue to operate outside the law and violate my rights afforded to me though the above mentioned laws?
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


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Product: Debt collection

XXXX XXXX XXXX- {$2000.00} - XX/XX/24 - disputed with the credit bureaus and company for debt validation - informed them that this was not me and was a victim of identity theft with a copy of the report attached and they refused to take it off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity : that do not belong to me. Please remove this from my credit report immediately as this is poor judgement on my credit worthiness. Please assist me in remove these items from my report.

DEPT OF ED/XXXX Reported : XX/XX/XXXX DEPT OF ED/XXXX Reported : XX/XX/XXXX {$13000.00} US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPT. OF EDUCATIO Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1400.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX {$190.00} ETC : Please see attached FTC reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bankruptcy report on my credit report that don't belong to me. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.
Product: Vehicle loan or lease

A coalition of 34 attorneys general led by Illinois Attorney General XXXX XXXX, announced on XX/XX/XXXX, a settlement with Santander Consumer USA Inc. ( Santander ) that includes approximately {$550.00} XXXX in relief for consumers with even more relief in additional deficiency waivers expected. The settlement resolves allegations that Santander violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default. 

The XX/XX/XXXX settlement stems from a multistate investigation of Santanders subprime lending practices. In XX/XX/XXXX, the Illinois Attorney Generals office led the coalition in opening the investigation into the largest subprime auto financing company in the country after receiving an increase in consumer complaints related to subprime auto loans. 

Based on the multistate investigation, the coalition alleges that Santander, through its use of sophisticated credit scoring models to forecast default risk, knew that certain segments of its population were predicted to have a high likelihood of default. Santander exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. The coalition also alleges that Santanders aggressive pursuit of market share led it to underestimate the risk associated with loans by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Finally, the coalition alleges that Santander engaged in deceptive servicing practices and actively misled consumers about their rights, and risks of partial payments and loan extensions. 

Under the settlement, Santander is required to provide relief to consumers and, moving forward, is required to factor a consumers ability to pay the loan into its underwriting. I am a customer of this company and I am not happy about this. I seriously want out of this loan if they can do that. I am tired of the high interest rates as well. and they are not reporting my balance correctly to the credit reporting agencies. and they are reporting it as past due.
Product: Debt collection

On XX/XX/XXXX, I received a notice of an update on my XXXX credit report of a new collection account in the amount of {$1300.00}. The collection agency was listed as XXXX XXXX XXXX XXXX XXXX with no indication of the original creditor. I immediately called the creditor and was only provided the option to leave a voicemail with no indication of when a return call would be made. 

This morning, after an additional review of my XXXX and XXXX reports, it was associated with Money Key. I attempted to contact Money Key from contact information on their website and was I was on hold awaiting a response and then the line disconnected no fewer than three times. 

I was able to get into an account that I did not recall setting up under my email address and found that a loan was taken out in the amount of {$870.00} in XX/XX/XXXX. The account showed a record of cleared payments totalling {$1000.00} ( well over the amount that was funded ). Additionally, there showed a record of 4 cancelled payments in the amount of {$1000.00}, nearly the same as the amount originally showing cleared. This account should be showing as paid.
Product: Checking or savings account

I was supposed to receive my refund and didnt I would like my money back please
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  OF XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting

Tried to apply XXXX Credit Card and my Credit check was done by Experian Credit agency ( XXXX ). My application was declined by saying " Unable to verify SSN ''. 
this is not fair because my annual Income is above XXXX and I am a prompt payer of my XXXX Credit card. 
I want you to look into this matter and take action.
Product: Debt collection

Springs Oaks Capital keep calling me after XXXX every evening and its annoying, I always block them but they keep calling with another number
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a paid collection listed on my report from XXXX with XXXX XXXX as the original creditor for {$140.00}. I never sent the payment to the collection agency ( XXXX XXXX XXXX ), I paid  XXXX XXXX. XXXX XXXX sent me a letter stating that the account was pulled back from the collection agency by them and that the collection agency can no longer report it. I sent proof of the payment and the letter to XXXX, along with the other two bureaus in the form of a dispute letter. XXXX and XXXX deleted the account. XXXX   did not. 

The FCRA states that information reported must be accurate and complete ; updated and verifiable. It also provides a dispute mechanism initiated by the consumer through the consumer reporting agency and through the furnisher of information. 

As detailed above, I have disputed the information for the referenced account, with both XXXX XXXX XXXX and XXXX directly. I have exhausted all recourses provided for resolution of erroneous information and still the information remains on my XXXX consumer report. The FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violations of its provisions. 

It is evident that the information reported can not be verifed because the payment was not made to XXXX XXXX XXXX, and therefore must be deleted as required.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate and improperly reported collection account listed under account number XXXX on my credit report. Under 15 U.S. Code 1681o, I am asserting a claim of civil liability for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling and reporting of this account. 

Upon reviewing my credit report, I have found that XXXX XXXX XXXX has failed to ensure the accuracy and fairness of the information being reported, in violation of the FCRA. Specifically, I believe that : The reported information is inaccurate and/or unverifiable. 
XXXX XXXX XXXX failed to properly investigate my previous disputes, thereby acting negligently. 
The continued reporting of this account is causing financial harm, including damage to my creditworthiness. 
Under the FCRA, you are required to ensure the accuracy and integrity of the information reported to consumer reporting agencies. Your failure to comply with these legal obligations constitutes negligence, making you liable for any actual damages I have suffered as a result of this inaccurate reporting, including but not limited to denied credit applications, increased interest rates, and emotional distress. 

I demand that you immediately cease all reporting of this account to the credit bureaus or provide verifiable proof that this account is valid and was reported in full compliance with the FCRA. If this matter is not resolved promptly, I am prepared to escalate this issue, including seeking legal remedies under 15 U.S.C. 1681o, which allows for recovery of damages and legal fees due to your negligence.

Please respond to this dispute in writing within XXXX  days from the date of this letter. I request that all future communication regarding this matter be in writing. 

Sincerely, XXXX XXXX