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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor. Please repair/correct the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Santander Consumer USA is taking advantage of the XXXX. Santander is charging excessive interest and fees to their consumers. They also coerce their consumers into buying products that are not required. They would constantly call multiple times a day. If you do n't answer the phone for a period of time to " Keep In Contact '' they will do " research '' and find friends and relatives and call them to get you to call them back. The payments that you make barely touch the principle balance on your loan, especially if your late on your payment. When you make your payment they charge a processing fee which we were not informed of when signing the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX
Product: Credit reporting

I have made several attempts to have my XXXX accounts removed from the Equifax report due to the discrepancies ' in the payment history they are reflecting. This has gone no where, instead of removing the inaccurate information, they updated inaccurate information and they are reflecting a higher balance than what I owe. 
XXXX XXXX ok- XXXX XXXX XXXX XXXX XXXX ok- XXXX XXXX XXXX XXXX ok- XXXX XXXX XXXX XXXX ok- XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit reporting agencies have had old and outdate information as well as debts that do not belong to me, and old alias names that I have never used and public record information that is over 7 years old and outdated. I have tried for many years to resolve the outdated information on my credit reports to no avail or resolution. I have also been breached by XXXX credit reporting of leaking my credit file and they have never resolve this as well. I tried to have them resolve it and they ignored my request. I was part of the XXXX breach. And they have taken no responsibility to clear my credit report. I have disputed items on the credit report and they have ignored the request. The credit reporting agencies have received no solid evidence as to my signatures on credit inquires as well because of the breach my credit file has been through. I have been severely damaged because of old and outdated information on the three credit agencies. Also I wanted to mention XXXX XXXX, they have inflicted dame on me as well. They have put a fraud alert on my credit report and I am not able to get passed that. They also have ruined my credit report. The credit reporting agencies are XXXX, XXXX and Transunion. Also I have only been able to receive on report over the past XXXX years, from my free reports and that is from XXXX. They will not provide any other credit reports. I have been breached and they have ruined my credit. They do nothing to address what they have done to my credit. And they have received no legal signatures of credit inquires from the business that have been reporting it to the credit agencies. Also there is out dated information of my previous address names phone numbers, location and names that have never been used. Also there are alleged debts that are not mine at all. And they have not verified with written documentation of my legal signature of the debts. I need this to be resolved and they do nothing. And just by asking them to take care of this dose not resolve the problem. I need someone to follow up on all my credit reports to have them check from the consumer financial protection bureau that the dispute and complaint has been resolved. I have put in complaints here in the past and nothing has been resolved. Trusting that the credit agencies will do anything will produce nothing. There has to be enforcement and follow up. And if can not do this, then please tell me how to have this addressed. I will work with you in anything that you need. But there must be follow up on your agency to enforce what they have to do to resolve the issue. All I am asking is that you enforce and regulate these credit agencies as requested. But if you are not able to do this, then just please tell me where I am able to go to resolve this. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with a representative of Experian, about fraudulent items that where on my credit report, as well as wrong names, addresses and employers. I was told to send in a dispute, which i did, and it came back verified. This isn't possible, i've already file a police report, spoke with the creditors about the accounts, placed a freeze and fraud alert on my credit report, and file a FTC report. They aren't being very cooperative, i just want to protect myself from any further damage, and gets these accounts of my report which has cost me denial of credit and higher rates when i did get approved. I was totally clueless of this account until recently in XXXX when i got my credit report.
Product: Debt collection

This is XXXX XXXX XXXX, ad Astra Recovery call to say owe debt was paid XX/XX/2018. FTC should be able to sue their real company is XXXX XXXX and not a ligenamate company that is a collection agencies. I want XXXX XXXX and XXXX XXXX XXXX in order to satisfy my difficulties. 
XXXX XXXX XXXX, XXXX ( XXXX ) XXXX mobile
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  continues to report that I still owe on a closed paid off secured loan. The report is contra status. They claim to have investigated the dispute and validated their reporting. This company continues to hurt my credit ratings. Are they a legitimate credit reporting company? 

I am so tired of dealing with XXXX  with their multiple outdated data reporting, not willing to investigate, verify and fix errors. Most of their disputes take an average of 7 days to investigate and never fixes the problem. They claim the XXXX XXXX  credit and secured loan are adverse accounts, but when I reached out to original bank, they say they they sent accurate report that both my accounts are closed and paid off, to the contrary in reporting on XXXX. This is so unfair.
Product: Debt collection

XXXX XXXX failed multiple times to properly suspend my account due to me being on XXXX XXXX military orders. Now it is in the hands of debt collectors once again. In XXXX of XXXX l have reached out to XXXX to me being contacted by a debt collector agency. I sent a copy of my XXXX XXXX  through email once again and supposedly the issue would be resolved and the account would be disputed. The collection account stopped appearing on my credit report but as of XX/XX/XXXX it is appearing again. 
XXXX still hasn't suspended the account and I ended up losing my phone number. Reached out as of today, XXXX and XXXX basically told me they can't do anything about it since it with debt collectors now. Debt collector company is XXXX XXXX. And XXXX put it back on my credit report without my acknowledgement which goes against 15. U.S.C. 1692C.
Product: Payday loan, title loan, or personal loan

The loan is paid in full but stilling show a balance
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX, Experian, and XXXX to file a dispute regarding the information on my credit report. I disputed a bankruptcy and hard inquiries. I asked for information on how the credit bureau verified the information they were reporting and they declined to provide that. I requested the credite bureau remove the information they are reporting regaring a bankruptcy and 4 hard inquiries from my report since they can not provide documentation of how the information was verified
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX  I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Product: Debt or credit management

XXXX XXXX is a collected that created when I was overseas at an address I never lived at. However, the account was paid and its still reporting on my credit report as a negative item. It is affecting me from getting a mortgage loan. Ive filed an identity theft and police report, but they refuse to remove it from my credit report.
Product: Payday loan, title loan, or personal loan

I applied for a personal  XXXX  XXXX  XXXX  around  X/XX/17    beginning with their prequalification application. I was contacted by   XXXX   XXXX   to complete the application. Once I spoke to someone a verified the interest rate/apr I emailed  XXXX   XXXX  stating I will not be moving forward with the loan application at this time. From that point forward I began getting an overwhelming amount of autodialer and human operated phone calls to complete the loan application as well as emails ( multiple calls & emails daily ) from  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . I have my phone records and emails for reference if needed to confirm these allegations. Because I was still in need of locating a personal loan I contacted   XXXX   XXXX    via  Chat  messaging to complete the next step in the application and have my credit pulled. I completed and provided everything required as I was pre-qualified. I was later informed by  XXXX   XXXX  that my loan was declined due my  XXXX  bank account bot being open 90 days, I was  2  weeks short of 90 days. I let her know I have an open  XXXX   XXXX  account and that I was currently transitioning from  XXXX   XXXX  to Chase. Immediately once she discovered I was declined she stopped responding to my emails so I had to call her multiple times to get a response. She advised for me to try and apply after  X/XX/17   . My adverse action letter stated I was declined due to serious delinquency, collection filed, revolving ratios & proportions, length of time legal item filed. This is not at all why I was explained I did not qualify. If you have to have an open bank account with direct deposit for 90 days should n't that be part of the pre-qualification prior to pulling someones credit and causing a inquiry and potential decrease in score? I feel  XXXX  needs to re-evaluate their pre-qualification and final approval/decline procedures to be consumer driven so consumer are not under the impression they are approved based on all factors except for a bank account open date. Keep in mind  XXXX  wanted 135 % + in interest/apr and I was able to obtain a personal loan from another lender with rate of 35 %. I have since been receiving emails from  XXXX  from  XXXX   XXXX  to contact her to reapply. How would this make sense If my adverse action letter states I have multiple reasons I was not approved yet the same company wants me to apply for a loan 3 weeks later with understanding I would be approved.
Product: Debt collection

XX/XX/2023, and months on end, I have sent the company Ford Motor letters by certified mail requesting validation of this account without avail. The company actions has been dishonorable.
Product: Credit card or prepaid card

A fraudulent invoice was sent to me through paypal.com. This triggered an official email from paypal to be delivered to me which included a seller 's note which was the scammer 's number. After I was unable to dispute the charge through paypal app and paypal.com I called the number on the seller 's note which began the process of identity theft. Believing I was on the phone with customer service, I followed their instructions which was to first download the XXXX XXXX  and then gave them remote access to my cellphone. They told me someone had opened credit cards on my account and that I would need to start the process of opening up a credit card to cancel all fraudulent activity. A card was then opened through the Venmo mobile app ( card issued by Synchrony Bank ) and the scammer pretended to cancel fraudulent charges by sending money to themselves. This was about an hour on the phone, then the scammer instructed me to send money through other XXXX XXXX XXXX. We signed up for an account on XXXX to begin the scam cancellation of wire transfers and we also sent money through XXXXXXXX XXXX XXXX  on the chase mobile app. By this time I had already given the scammers my full information including my name, address, account numbers, card numbers and social security since all that was necessary in issuing the credit card. 

{$500.00} total was sent through XXXX XXXX pay on the chase mobile app which directly came from my account. {$740.00} total was sent through Venmo for the Synchrony Bank card.
Product: Debt collection

I have a medical collection showing on my credit report from RSH and Associates LLC. From what I can see from my credit report, this debt is over two years old and for the amount of {$2500.00} To be specific, this debt is actually from XX/XX/XXXX. 
My first issue with this account : I didn't get any paperwork or a letter from this collection company whey then this account was placed with their office. My second issue : I requested a proper validation of this debt in XX/XX/2020 when I found this debt out about this debt. The collection company sends me a letter stating that I don't have the right to request a validation of the debt because my time to dispute it has ran out, but they demanded payment in full anyways. I sent a request again, and the second letter states that they verified the debt with XXXX XXXX XXXX. ( Don't have a clue who this XXXX  center is ) and it's accurate. So pay them. I contact the original creditor, and they direct me back to the collection company. 
My third issue : This collection company is reporting inaccurately on my credit report. Per my financial and credit advisor, this debt shows no last day of activity on the account, which means that this debt could be re-aged at any time. So if this company wants, they could update this account to keep it on my credit longer then the seven years, and they have responded to my disputes with the credit reporting companies twice now without updating the last day of activity on the account. How is it possible that a collection company can demand payment on a debt with reporting it properly or providing any documentation regarding what they claim I owe.
Product: Credit reporting or other personal consumer reports

This is my personal statement that the inquires hat i have listed are fraudulent and must be deleted within four business days or your receipt of this report pursuant to 15 USC 1681c-2 on clear grounds of identity theft. Also pursuant to 15 USC 1681e ( b ) all of my personal information must be 100 % accurate with in my credit file. please update my personal information to reflect accurate within my credit file.

see attached identity theft report.
Product: Credit card or prepaid card

I got an fraudlent charge Merchant : XXXX XXXX AmountXXXX Date : XX/XX/XXXX I used my card at the merchant mentioned and used my chime credit builder card for the amount of {$38.00}. I returned to the merchant the next day for a service check, however no service was performed, yet my card ( same card that I used to pay with the day before ) was charged a new amount of {$140.00}. 
I contacted the merchant with no response, then I proceeded to contact Chime and report the erroneous charge. 
Chime opened a dispute claim, only to deny it a few days later. 
I requested the dispute documentation and the explanation provided by them was derisory to say the least, ( file attached ). They claimed my card was used at the same merchant the day before ( precious piece of information, I was fully aware of, since I was the one who made such a charge ) and besides that I had used that card on same day at other merchants ( Please not at no point and time I attempted to charge back any other transactions I was responsible for during that particular day ). 
Their statement outlines the limited investigation method used by this institution : if I was in possession of my card therefore the claim is not valid. Shouldn't they consider that the fact I had the card in my posession, does not stop individuals or businesses that have my information on their file ( through different methods ) to place such charges? Their customer service is extremely unsatisfactory, they handle these charges investigations with an utmost incompetence
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act, the list of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Pacer Record type Bankruptcy XXXX XXXXdischarged XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States - I have a right to privacy.

15 U.S.C 1681 section 602 A section 2 states - a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code Subchapter III 1681 : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code Subchapter III 1681b : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code Subchapter III 1681c : ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S. Code Subchapter III 1681s-2 : ( a ) Duty of furnishers of information to provide accurate information ( A ) Reporting information with actual knowledge of errors 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: Student loan

I have graduated XX/XX/2017, I have been making my loan payments on time every month and have tried several times to lower my interest rate on my colleg loan or consolidate/refinance the loans so my payment will actually help lower my loans. I have been turned down every time due to the fact that my debt to income ratio is too low. How am I supposed to get these loans lowered when my monthly payment that I can afford is only going to the interest? My private student loan have now reached over {$120000.00} and I am only making {$15.00} an hour until I can get more experience in my field. My interest rates on my Discover private loans range from 5.615 % to 9 %. and XXXX XXXX is 6-9 %
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX